Richard Hoefler's book "Will Daylight Come" includes a little story.

In the story, a little boy visiting his grandparents used his first slingshot. He practiced in the woods, but he could never hit his target. As he came back to Grandma's backyard, he spied her pet duck. On impulse he took aim and let fly. The stone hit and the duck fell dead.

The boy panicked. Desperately he hid the dead duck in the woodpile, only to look up and see his sister Sally watching. Sally had seen it all, but said nothing.

After lunch that day, Grandma said, "Sally, let's wash the dishes." But Sally said, "Johnny told me he wanted to help in the kitchen today. Didn't you, Johnny?" She quickly whispered, "Remember the duck!"

So Johnny did the dishes.

Later Grandpa asked if the children wanted to go fishing. Grandma said, "I'm sorry, but I need Sally to help make supper." Sally smiled and said, "That's all taken care of. Johnny wants to do it." And again she whispered, "Remember the duck!"

Johnny stayed while Sally went fishing.

After several days of doing both his chores and Sally's, he couldn't stand it. He confessed to Grandma that he killed the duck.

"I know, Johnny," she said, giving him a hug. "I saw the whole thing. I was angry, but because I love you, I forgave you. I was just wondering how long you would let Sally make a slave of you."

How often do you allow someone to hold over your head an error committed in the past? How long will you continuously remind yourself of a past error and beat up yourself?

Freedom from past mistakes, no matter how difficult it may seem, comes from admitting before God what you have done. It takes wisdom to ask God's forgiveness and know you have been forgiven.

You see, we cannot hide our errors from God, nor from ourselves.

Very often God waits patiently for us to confess to him so his forgiveness can be freely lavished on us. The question is, how long will you allow those past wrongs make a slave of you?

Remember, God's grace is not earned, but it is given — freely, simply and abundantly.

The Rev. Mark Broadhead is pastor at Laurel Hill Presbyterian Church and First Presbyterian Church of Crestview.

This article originally appeared on Crestview News Bulletin: Seeking forgiveness requires wisdom

I appreciate beautiful flowers and manicured yards as much as I like trees. I am not a terrific gardener, but I appreciate those who do marvelous things in their yards and I love to look at their creativity. I especially love to look at yards with a variety of colors and flowers.

If you are interested in learning more about gardening in this area of the country, the Dogwood Garden Club will have its first meeting of the 2017-2018 year 10:30 a.m. Sept. 11 at the Crestview Public Library, 1445 Commerce Drive.

Refreshments will be served at 10:15 a.m., with the meeting beginning at 10:30 a.m.

An Okaloosa Master Gardener will present this month's program topic, fall color in the garden. As one that loves the fall colors, different shades of oranges, reds, greens, golds and so on, I am looking forward to the program and I know that great gardening tips will be offered.

Subsequent meetings for the club are 10:30 a.m. the first Monday of each month in club members' homes. Dues are $25 per year, and the club meets September through May.

Call 683-0839 if you are interested in more information.

Dogwood Garden Club meetings focus on a different gardening topic each month. The topics range from subjects such as trees, to soil types and container gardening.

I enjoy using flowers in pots to brighten up our front yard. One of the many advantages to this type of gardening is that the plants can be brought in when it is cold. I have several hibiscus plants in pots; they go out for the warm weather and come in during the winter.

Mums, black-eyed Susans, pansies, phlox, asters and verbena and many of the flowers are plentiful at this time of year. They provide a variety of colors, are easy to put on the porch and really beautify the home.

Let's make Crestview the city of beautiful gardens and colorful yards.

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.

If you are interested in learning more about gardening in this area of the country, the Dogwood Garden Club will have its first meeting of the 2017-2018 year 10:30 a.m. Sept. 11 at the Crestview Public Library, 1445 Commerce Drive.

WANT TO GO?

This article originally appeared on Crestview News Bulletin: Crestview club offers local gardening information

Mother's Day and Father's Day may get more attention, but National Grandparents Day, observed on Sept. 10, has gained in popularity. If you're a grandparent, you might expect to receive some nice cards, but if you want to make the day especially meaningful, you may want to consider giving some long-lasting financial gifts to your grandchildren.

What might come to mind first, of course, is helping your grandchildren pay for college. You can choose from several college savings vehicles, but you may be especially interested in a 529 savings plan. With a 529 plan, your earnings accumulate tax free, provided they are used for qualified higher education expenses, such as tuition, books, and room and board. (Keep in mind that 529 plan distributions not used for qualified expenses may be subject to federal and state income taxes and a 10 percent IRS penalty on the earnings.)

You may be eligible for a state income tax incentive for contributing to a 529 plan. Check with your tax advisor regarding these incentives, as well as all tax-related issues pertaining to 529 plans.

One benefit of using a 529 plan is contribution limits are quite generous. Plus, a 529 plan is flexible: If your grandchild decides against college, you can transfer the plan to another beneficiary.

Generally, a 529 plan owned by a grandparent won't be reported as an asset on the Free Application For Federal Student Aid, but withdrawals from the plan are treated as untaxed income to the beneficiary (i.e., your grandchild) and that has a big impact on financial aid, a much bigger impact than if the plan was listed as a parental asset.

Beginning with the 2017-2018 academic year, however, FAFSA now requires families to report income from two years before the school year starts, rather than income from the prior calendar year. Consequently, it might be beneficial, from a financial aid standpoint, for you, as a grandparent, to start paying for college expenses from a 529 plan in the year in which your grandchild becomes a junior. Contact a financial aid professional about the potential financial aid impact of any gifts you're considering.

A 529 plan isn't the only financial gift you could give to your grandchildren. You might also consider giving them shares of stock, possibly held in a custodial account, usually known as an UTMA or UGMA account. One possible drawback: You only control a custodial account until your grandchildren reach the age of majority, at which time they can use the money for whatever they want, whereas distributions from a 529 savings plan must be used for qualified higher education expenses.

Still, your grandchildren might be particularly interested in owning the stocks contained in the custodial account — most young people enjoy owning shares of companies that make familiar products. And to further interest your grandchildren in a lifetime of investing, you may want to show them how a particular stock you've owned for decades has grown over time.

Naturally, you'll also want to let them know that stocks can move up and down in the short term, and there are no guarantees of profits — but the long-term growth potential of stocks is still a compelling story.

You'd probably do whatever you could for your grandchildren — and with a smart financial gift, you can make a big difference in their lives.

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

This article originally appeared on Crestview News Bulletin: Brighten your grandchildren's financial future

The Florida Fish and Wildlife Commission and Florida Sea Grant scientists at the University of Florida Nature Coast Biological Station at Cedar Key have teamed up to assess the horseshoe crab population on Florida beaches.

The Florida Horseshoe Crab Watch survey is held twice a year, during full and new moons of the fall and spring months.

This year, the fall sampling season is Sept. 19-21, Oct. 4-7 and Oct. 18-21.

Horseshoe crabs are important in coastal areas, especially to the many shore birds and other creatures that eat their eggs. They are also used in medical testing. Their blood has a special ability to coagulate around bacteria and is used as an indicator of sterility. They typically live in the muddy sandy bottom, but head to the beaches during the spring and fall to find a mate.

The females are much larger than the males and you often find them cavorting in groups. This behavior provides an opportunity to monitor them. We don’t currently have good population numbers on these prehistoric-looking creatures, but it’s a common perception that numbers have been declining for years.

Simultaneous sampling across such a large geographic area in Florida would be impossible without the help of volunteer citizen scientists. The FWC is dedicated to collecting data on horseshoe crab nesting, but does not have anywhere near enough staff to achieve the high level of data collection the volunteers are able to complete. Information of this kind is extremely valuable for helping researchers understand population connectivity across nesting areas.

In an effort to initiate the program in Okaloosa and Walton counties, the UF Institute of Food and Agricultural Sciences Extension Marine Science program will participate in a preliminary sampling project this fall.

It will be a simple presence-absence study, with volunteers walking the shoreline on their own, noting GPS coordinates of sightings and submitting data and a picture via email to the Extension office.

If initial data warrants, the program will be expanded in the spring, collecting measurements, and perhaps doing some tagging. The long-term goal is to try and get an idea of the numbers of crabs in Choctawhatchee Bay or on our beaches. The sampling program has worked well in other areas of the state with all of the volunteers in the program agreeing to some degree that they considered themselves stewards of horseshoe crabs.

Send me an email at lgtiu@ufl.edu for more information about how to get involved in Florida Horseshoe Crab Watch. If you see a tagged horseshoe crab, please note the number on the tag and use the hotline, 1-888-546-8587 or www.fws.gov/crabtag, to report the number, sighting location and condition of the crab.

Laura Tiu 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: The great horseshoe crab roundup

Next week, we observe Labor Day, a celebration of the American worker. You work hard your whole life with the hope that your efforts will ultimately allow you to achieve your financial goals, such as a comfortable retirement. But for that to happen, you may need to apply some of the lessons of the workplace to your efforts as an investor.

So, what are these lessons? Here are a few to consider:

•Be consistent. The most successful workers are the ones who show up, day after day, and strive to overcome the inevitable obstacles that crop up. As an investor, you, too, need to be consistent in your habits, which means you should keep investing in all types of markets. If you take a "time out" every time the market drops, you might end up missing opportunities when the next rally begins.

•Be flexible. When good workers see that something is not going well, they change what they're doing. And when you invest, you also may need to make adjustments.

If an investment has consistently underperformed, or if you have too many others very similar to it, or if it just doesn't meet your needs anymore, you may be better off selling it and using the proceeds to invest elsewhere. This doesn't mean you should constantly be buying and selling. In fact, you'll likely be better off by purchasing quality investments and holding them for the long term. But you need to be flexible enough to make the appropriate moves at the appropriate times.

•Be informed. The best workers are those who regularly update their skills and acquire knowledge that helps them do their jobs better. As an investor, you should also keep learning about the investment world in general and about new opportunities for you to explore. And you should always understand what you are investing in and why. Even if you work with a financial professional, you need to inform yourself about every aspect of your investment portfolio. After all, it's your money and your future.

•Be farsighted. Good workers not only know what they're doing, but they also can visualize the desired outcome of each task.

And, of course, people who are in charge of a particular endeavor, or who are responsible for the fortunes of a business, have a clear view of what they want to accomplish, even if the achievement of that goal is many years in the future.

When you invest, you also need to see where you want to go. If you can constantly keep in mind your long-term goals, such as the type of retirement lifestyle you desire, you will likely find it easier to stick with an investment strategy that's appropriate for your needs and risk tolerance. Conversely, if you lose sight of your destination, you might be more prone to taking short-term detours, which could work against you.

Labor Day reminds us to appreciate the skills and dedication of all workers, and as an investor, you can put these same attributes to good use.

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

This article originally appeared on Crestview News Bulletin: Are you a "hardworking" investor?

I love trees. They are aesthetically pleasing, they provide shade, they give the birds a place to live, the squirrels a place to nest, they keep water from running off into a storm drain, they help stop wind damage and clean the air. Another fun thing about trees, one that I can no longer do, is climb them.

I found this 1993 Mike McAliney quote from about the benefit of trees to be significant: "A single mature tree can absorb carbon dioxide at a rate of 48 lbs./year and release enough oxygen back into the atmosphere to support 2 human beings." (Source: Arguments for Land Conservation: Documentation and Information Sources for Land Resources Protection, Trust for Public Land, Sacramento, CA, December 1993.

At https://www.arborday.org/trees/benefits.cfm, I found this U.s. Department of Agriculture quote. "One acre of forest absorbs six tons of carbon dioxide and puts out four tons of oxygen. This is enough to meet the annual needs of 18 people." Another benefit of trees stated on the website is, "Trees properly placed around buildings can reduce air conditioning needs by 30 percent and can save 20–50 percent in energy used for heating."

Trees, as well as being beautiful, are good for our health, since we need oxygen to live. How interesting that the trees that beautify our yards have such an effect on the temperatures in our homes. It is certainly a benefit in Crestview and Northwest Florida. We all may need to plant more trees to shade our homes.

It frustrates me greatly when I see trees cut down for shopping centers and new homes. I realize that we need progress and growth, but must they cut down the majority of the trees? It is nice to park in the shade when one is shopping, as it helps keep the car cool during the summer.

Why can't developers do some strategic planning and keep many of the trees and work around them? It seems they want to do it the easy way and not be bothered with the planning it would take to keep the trees. My mother refuses to shop at Lowe's in her hometown as they cut down all the trees in the parking lot.

Please developers, keep more trees in shopping centers. We need them to park under, and we need them to clean the air of pollutants.

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: The benefits of trees