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Kentucky college students build Habitat for Humanity homes in Crestview (PHOTOS)

Chelsea Dietz, Dan Pherman and Maggie Waller, Habitat for Humanity volunteers from Thomas More College in Kentucky, saw boards for a Lee Avenue home on Monday in Crestview.

CRESTVIEW — While many college students head to the beach for spring break, students from Thomas More College in Kentucky are volunteering for Habitat for Humanity.   

The Okaloosa County office invited students from the school's Business Society to help construct two Crestview homes.  

PHOTOS: See 12 photos from the event>>

This week, students, under chaperons and Habitat volunteers' supervision, worked on building the wooden frame for two homes on Lee and Cobb Avenues.

Nitzi Bennett, the Okaloosa organization's president and chief executive officer, said the college and Habitat have a great working relationship. The college donated $2,500 upon arrival, she said.

Volunteers, including 21 students and four chaperons, hammered nails, sawed boards and moved mounds of clay dirt.

Each 1,600-square-foot home will have four bedrooms, Bennett said. Both locations also have occupants waiting to move in upon completion.

Joe Hageman, a junior, had no problem taking up manual labor for spring break.

"For me, the most gratifying thing is that we are providing one of the most basic needs for people," Hageman said."After food and water, housing and shelter is the most basic need for people. It feels good to help an organization, like Habitat, in helping people get back on their feet."  

Many Thomas More students continue to spend spring break volunteering for Habitat for Humanity offices across the Gulf Coast, said Joe's father, John Hageman, a biology professor at the college.  

This is the second straight year the college students have traveled to Okaloosa County. Last year, students helped build a home in Fort Walton Beach.   

During their weeklong visit, students are staying at St. Simon's Episcopal Church in Fort Walton Beach. The volunteers can visit area beaches and other attractions during their visit, John Hageman said.

"It's a combination of work and tourism, but it's spring break with a purpose," he said.

EmailNews Bulletin Staff Writer Matthew Brown, follow him on Twitteror call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Kentucky college students build Habitat for Humanity homes in Crestview (PHOTOS)

Children in Crisis golf benefit set Friday

FORT WALTON BEACH  — The 8th Annual Children in Crisis Charity Golf Classic is 11 a.m. March 14 at the Fort Walton Beach Golf Course.

Each golfer will be entered into the drawing for a chance to take the “$1 Million Shot” Challenge. Additional hole-in-one prizes, including a new car, will be offered.

The entry fee, including all amenities, is $100 per golfer. Golfers will have lunch prior to play, refreshments and food stops on the course and heavy hors d’oeuvres at the awards party immediately following play.

Individual trophies will be presented to the top three foursomes. In addition, each golfer will get a free logo golf shirt, and there will be a silent auction.

“We must raise the funds to sustain operations for the CIC Neighborhood," Ken Hair, CIC president and CEO, said. "Our annual golf tournament helps with that important challenge. Thanks to the support from our wonderful community, we’ve given a home to over 400 foster children.”

The tournament was established in 2007 to help raise sustainment funds to feed, clothe and provide a home to at-risk foster children.

Last year’s tournament raised $22,000 to help provide a home to Northwest Florida's abused, neglected and abandoned children. The winning team was David Henderson, Tracy Jernigan, Don Reese and Tommy Serigne.

This article originally appeared on Crestview News Bulletin: Children in Crisis golf benefit set Friday

Toastmasters plan March 11 open house

CRESTVIEW — The Crestview Toastmasters will have an open house from 6-7:15 p.m. March 11 at Holiday Inn Express, 125 Cracker Barrel Road.

Attendees can learn ways to calm the fear of public speaking in a friendly, supportive atmosphere. Club members can show you how to gain an advantage over tongue-tied colleagues. Refreshments will be served.

The club meets 6-7 p.m. the second and fourth Tuesdays at the Holiday Inn Express. Contact Kathy Morrow, 974-3662, to RSVP.

This article originally appeared on Crestview News Bulletin: Toastmasters plan March 11 open house

Four advisories issued for hazardous water

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

On March 5, Liza Jackson  and Garniers Parks in Fort Walton Beach, Poquito Park in Shalimar and Gulf Islands National Seashore on Okaloosa Island failed tests based onEPA-recommended enterococci standards.

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

For more information call689-7859 or 833-9247.

This article originally appeared on Crestview News Bulletin: Four advisories issued for hazardous water

Women's Heels & Wheels auto maintenance clinic tomorrow

CRESTVIEW — North Okaloosa Medical Center and area sponsors are hosting a hands-on auto maintenance clinic for women on March 11. The event is from 5:30-6:30 p.m. at Hub City Ford, 4060 S. Ferdon Blvd., Crestview. 

See northokaloosa.com/healthywoman or call 689-8446 to register.

This article originally appeared on Crestview News Bulletin: Women's Heels & Wheels auto maintenance clinic tomorrow

PRACTICAL MONEY SKILLS: Don't forfeit past tax refunds

Does this sound familiar? A few years back your yearly earnings were pretty low so you figured you wouldn't owe any income tax. Thus, when April 15 rolled around the following year you didn't bother filing a tax return, knowing you wouldn't be penalized.

Big mistake.

Even if your income fell below the threshold at which you'd owe anything, chances are taxes were deducted from your paycheck throughout the year. (Check your year-end W-2 form). If so, you probably left a sizeable tax refund on the table.

And you wouldn't be alone. The IRS estimates that each year close to a million people don't bother filing federal tax returns, thereby forfeiting around $1 billion in refunds they were due – refunds that average several hundred dollars apiece.

Here's the good news: The IRS generally gives you a three-year window to go back and file a past year's tax return if you want to claim an unpaid refund. For example, to collect a refund for 2010 you have until April 15, 2014, to file a 2010 return. After that, the money becomes the property of the U.S. Treasury.

You can order prior year tax forms online or by calling 800-TAX-FORM (800-829-3676). If you're missing any supplementary paperwork (e.g., W-2 or 1099 forms), you'll need to request copies from your employer, bank or other payer. If that doesn't work, file IRS Form 4506-T to request a free transcript showing information from these year-end documents.

Keep in mind that if you file to collect a refund on your 2010 taxes but have not also filed tax returns for 2011 and 2012, the IRS may hold onto the refund until you file those subsequent returns. Also, past refunds will be applied to any amounts you still owe to the IRS or your state tax agency, and may be used to offset unpaid child support or past-due federal debts, such as student loans.

Another good reason to consider going back and filing a previous year's tax return: the Earned Income Tax Credit (EITC). Chances are, if the reason you didn't file a return was because you didn't earn enough to owe taxes, you may have been eligible for the EITC, a "refundable" tax credit for low- to moderate income working taxpayers. ("Refundable" means that if you owe less in tax than your eligible credit, you not only pay no tax but also get a refund for the difference.)

As an example, for tax year 2010, a married couple filing jointly with three or more qualifying children whose adjusted gross income was less than $48,263 were eligible for an EITC of up to $5,666. To find out how EITC works and whether you qualify, consult IRS.gov.

For the rest of us, April 15 looms as the deadline for filing our 2013 taxes. At the very least you should request a filing extension by then; otherwise the penalty on any taxes you owe increases dramatically.

Typically you'll have to pay an additional 5 percent of taxes owed for each full or partial month you're late, plus interest, up to a maximum penalty of 25 percent. However, if you file your return or request an extension on time, the penalty drops tenfold to 0.5 percent per month, plus interest.

Bottom line: If you skipped filing a tax return in the last three years, go back and crunch the numbers – you may be pleasantly surprised by a hefty refund.

Jason Alderman directs Visa's financial education programs. To participate in a free, online Financial Literacy and Education Summit on April 2, 2014, go to www.practicalmoneyskills.com/summit2014.

This article originally appeared on Crestview News Bulletin: PRACTICAL MONEY SKILLS: Don't forfeit past tax refunds

CHECK IT OUT: Historical fiction genre gets a boost

Interest in historical fiction has never been higher with Eleanor Catton’s 2013 Booker Prize for “The Luminaries” falling so closely on the heels of Hilary Mantel’s wins in 2009 and 2012 for “Wolf Hall” and “Bring up the Bodies.”

No longer derided as “bodice-rippers” with anachronisms or boring textbooks dressed up with poor plots, historical fiction is gaining the respect of critics and readers alike and regularly appears on bestseller lists around the world.

Definitions vary as to how far in the past the time setting must be to qualify, but Walter Scott, who is credited with “inventing” the historical novel in English during the early 19th century provides a useful criterion in the subtitle of “Waverley,” his initial historical novel, the story of Scottish life at the time of the Jacobite Rebellion of 1745: “‘Tis Sixty Years Since.” So generally this limits it to events that take place at least 60 years before publication, during a historical period with which the author has no personal experience.

The historical novelist's challenge

Historical fiction is one of the more difficult and demanding narrative forms as the author must master both verifiability and invention. The historical novelist must balance the difficulties of representing history accurately and telling a good story while imaginatively filling in the gaps and lack of historical record.

Take too much latitude with the facts of history and the illusion of authenticity is shattered; take too little and the information of history never comes to life.

The value of historical fiction authors in no way detracts from the work of historians. Though one deals with the verifiable and the other with the imagined, both play important roles in bringing the past back to life.

Yes, the historical novelist trades mainly in entertainment over instruction, but it would be wise to consider Ezra Pound’s famous definition of literature: “Literature is news that stays news.”

Bernard Cornwell is an outstanding example of a historical fiction writer with his Sharpe series set in 19th-century Europe and India; the Starbuck Chronicles set during the American Civil War; the Grail Quest novels set in mid-14th century England/Normandy; the Warlord Chronicles set in Arthurian Britain, and the Saxon series that I am currently reading set in the pre-England of Alfred the Great. “The Pagan Lord,” the seventh one in that series, has recently been on the New York Times and other best seller lists.

Other outstanding historical fiction novels are listed below. For more information check out our electronic resource “Books & Authors,” where you will find title suggestions in over 100 subgenres of historical fiction, from child-in-peril and family saga to military, political, and religious.

More outstanding historical fiction novels

•"Quo Vadis," by Henryk Sienkiewicz. A love story between a Christian woman and a Roman man during the rule of Nero.

•"I, Claudius," by Robert Graves. A fictionalized autobiography of the Roman emperor Claudius.

•"The Egyptian," by Mika Waltari. 1949 Finnish novel that was the bestselling foreign novel in the U.S. until 1983.

•"The Pillars of the Earth," by Ken Follett. Intrigue surrounds the construction of a cathedral in 12th century England.

•"Kristin Lavransdatter," by Sigrid Undset. 1928 Nobel Prize-winning trilogy depicting Norwegian life in the Middle Ages.

•"The Name of the Rose," by Umberto Eco. A highly literary murder mystery set in a 14th century Italian monastery.

•"The Hunchback of Notre-Dame," by Victor Hugo. Gothic novel that inspired a flood of tourists to Paris’s most famous cathedral.

•"The Other Boleyn Girl," by Philippa Gregory. Entertaining if inaccurate portrayal of Ann Boleyn’s sister, Mary.

•"The Three Musketeers," by Alexandre Dumas. Swashbuckling tale of d’Artagnan and the three Musketeers in 17th century France.

•"A Tale of Two Cities," by Charles Dickens. Parallel stories intersect in London and Paris during the French Revolution.

•"The Book of Negroes," by Lawrence Hill. An 18th century woman journeys from freedom in Africa, to slavery in the U.S. and back to freedom again.

•"The Thousand Autumns of Jacob de Zoet," by David Mitchell. Love story between a clerk for the Dutch East India Company and a disfigured Japanese midwife.

•"War and Peace," by Leo Tolstoy. Epic masterpiece depicting the French invasion of Russia during the Napoleonic era.

•"Death Come for the Archbishop," by Willa Cather. Two priests travel 1851 New Mexico in the wake of the Mexican-American War.

•"Gone with the Wind," by Margaret Mitchell. Pulitzer Prize-winning tale of the American South during the Civil War and Reconstruction.

•"The Far Pavilions," by M. M. Kaye. This romantic epic set in 19th century India under British rule has been compared to Gone with the Wind.

•"Oscar and Lucinda," by Peter Carey. Winner of the 1988 Booker Prize, about the misadventures of two gambling misfits in 19th century Australia.

•"Alias Grace," by Margaret Atwood. Fictionalized account of a notorious 1843 murder case in pre-Confederation Toronto, Canada.

•"Cloudsplitter," by Russell Banks. Story of radical 19th century abolitionist John Brown told from the perspective of his only surviving son.

•"March," by Geraldine Brooks. Winner of the 2006 Pulitzer Prize retells ”Little Women” from the perspective of the absent Mr. March.

•"The March," by E. L. Doctorow. Sherman’s March to the Sea near the end of the American Civil War, told through a large and diverse cast of characters.

•"The Painted Girls," by Cathy Marie Buchanan. The life of the model for Edgar Degas’ “Little Dancer Aged Fourteen” is brought vividly to life.

•"The Sisters Brothers," by Patrick deWitt. Multiple award winner about two 19th century hired guns traveling from Oregon to California.

•"Caravans," by James A. Michener. Story of an American diplomat in Afghanistan following WWII.

•"The Thorn Birds," by Colleen McCullough. Melodramatic family saga of early 20th century life in the Australian outback.

•"The Poisonwood Bible," by Barbara Kingsolver. The family of a Baptist missionary adjusts to life in the Congolese jungle.

•"The Night Watch," by Sarah Waters. An evocative story of London during WWII told in reverse chronological order.

•"The Historian," by Elizabeth Kostova. An interweaving of the stories of Vlad the Impaler, Count Dracula, and a 1930s search for Vlad’s tomb.

•"Arthur & George," by Julian Barnes. Story of Sir Arthur Conan Doyle’s efforts to exonerate George Edalji, a solicitor falsely accused of a crime.

•"The Seventh Gate," by Richard Zimler. Chilling murder mystery incorporating Jewish mysticism in pre-war Berlin under Nazi rule.

•"Shanghai Girls," by Lisa See. When World War II reaches Shanghai two sisters leave a life of privilege to enter arranged marriages in the U.S.

Sandra Dreaden is the Crestview Public Library's reference librarian.

This article originally appeared on Crestview News Bulletin: CHECK IT OUT: Historical fiction genre gets a boost

PRACTICAL MONEY SKILLS: Money-saving tips for seniors

We all love a good bargain, no matter what our age. But if you're a senior citizen on a fixed income, finding discounted goods and services can mean the difference between making ends meet and going without.

The good news is that tons of senior discounts are available – often for people as young as 50. One caveat right up front: Although many senior discounts are substantial, you sometimes can find better bargains – especially on travel-related expenses like airfare, hotels and rental cars. So always do your research first before requesting the senior rate.

Here's a roundup of some of the best senior discounts I've found:

An AARP membership costs only $16 a year for anyone over age 50, including free membership for spouses or partners. AARP's discounts website features discounts on dozens of products and services including rental cars, hotels, restaurants, clothing and department store chains. AARP also offers an inexpensive driver safety course for drivers over 50 (members and nonmembers alike) that can lower auto insurance premiums by up to 10 percent or more.

Popular AARP discounts include:

•20 percent discount on installation or upgrades to ADT home security systems.

•45 percent off membership to Angie's List.

•20 percent off purchases from 1-800-FLOWERS.com.

•Up to 25 percent off car rentals from Avis and Budget.

•Up to 20 percent discount at many hotel chains including Hyatt, Hilton, Wyndham, Best Western, Days Inn and Ramada, among others.

•10 to 20 percent off at many restaurant chains, including Claim Jumper, Denny's and Outback Steakhouse.

•15 percent off many Geek Squad services from Best Buy.

•A free 45-minute consultation with an Allstate Legal Services Network attorney, as well as 20 percent off member attorneys' fees.

A quick Google search will uncover numerous other senior discount resources. One popular site is SeniorDiscounts.com, an online directory of more than 220,000 U.S. business locations that offer discounts to people over 50. Registration is free, although they also offer a $12.95/year premium that offers members-only discounts and other perks. Other good sites include Brad's Deals, Sciddy.com and Savvy Senior.

Other commonly available senior discounts include:

•A 15 percent discount on the lowest available rail fare on most Amtrak trains for travelers over age 62.

•Greyhound offers a 5 percent discount on unrestricted fares (over 62).

•Southwest Airlines offers senior fares (over 65). Although not necessarily their lowest available rates, Southwest's senior fares are fully refundable.

•The U.S. Geologic Survey senior pass (over 62) provides free lifetime access to more than 2,000 government-managed recreational sites (including national parks), as well as discounts on camping and other amenities. Senior passes cost $10 in person or $20 by mail.

•Verizon Wireless offers discounted mobile phone service for subscribers over 65.

•Both Walgreens and Rite Aid offer monthly senior discount days for members of their rewards programs when most non-prescription items are 15 to 20 percent off. Ask your neighborhood pharmacy if they offer similar programs.

In addition, many restaurants, department stores, movie theaters, museums, theme parks, banks, credit card issuers, utilities (including gas and electric, water, garbage, telephone and cable) and other businesses offer special discounts or promotions for seniors. Always ask before your purchase is rung up.

Bottom line: Abundant resources are available to help seniors save money on purchases large and small. You just have to do a little research – and ask whether senior discounts are available. Remember, 10 percent here and 20 percent there can really add up.

Jason Alderman directs Visa's financial education programs. Click here to participate in a free, online Financial Literacy and Education Summit on April 2.

This article originally appeared on Crestview News Bulletin: PRACTICAL MONEY SKILLS: Money-saving tips for seniors

Nighttime maintenance work planned on Brooks Bridge

The Brooks Bridge

CHIPLEY – Traffic on U.S. Highway 98 across the Brooks Bridge in Fort Walton Beach will encounter lane restrictions from 9 p.m. March 5 to 2 a.m. March 6 as crews replace lighting.

Drivers are reminded to pay attention to the speed limit when traveling through the work area, and to use caution when driving in work zones.

All planned maintenance activities are weather dependent and may be rescheduled in the event of inclement weather. For more information, follow the Florida Department of Transportation District Three on Twitter @MyFDOT_NWFL.

This article originally appeared on Crestview News Bulletin: Nighttime maintenance work planned on Brooks Bridge

Okaloosa Water & Sewer gets $1.2M for new water tank at Bob Sikes Airport

The Okaloosa County Water and Sewer Department has been selected to receive two Northwest Florida Water Management District grants for water supply planning.

A $1.2 million grant will help construct a 1 million gallon elevated water tank and associated facilities. This project will enhance service in the mid-county area and add inland storage for system interconnected with coastal service areas. A $144,000 grant will help provide a reclaimed water upgrade on Highway 285 in Niceville.

“We greatly appreciate the NWF Water Management District efforts and assistance from State Representatives Greg Evers and Doug Broxson," Commissioner Wayne Harris stated.

This article originally appeared on Crestview News Bulletin: Okaloosa Water & Sewer gets $1.2M for new water tank at Bob Sikes Airport

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