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As a Servicemember, Can I Contribute to an IRA?

By William Blanken

You may contribute to an IRA if you’re a member of the armed forces. The rules that apply to servicemembers regarding IRA contributions and distributions generally are the same rules that apply to civilians.

You’re allowed to contribute up to $6,000 to a traditional IRA in 2021, as long as you have earned income. In addition, if you’re age 50 or older, you can make an extra “catch-up” contribution of $1,000 in 2021. You can make your annual contribution up to April 15 of the following year. Also, if you meet certain conditions, you may be able to contribute an additional $6,000 in 2021 to an IRA in your spouse’s name (plus an additional $1,000 catch-up contribution if your spouse is age 50 or older), even if your spouse has little or no income. However, whether you can deduct your traditional IRA contributions will depend on several factors, such as your income, your tax filing status, and whether you or your spouse is covered by the Thrift Savings Plan or an employer-sponsored plan. You may be able to deduct all, a portion, or none of your contribution for a given year. You may also qualify for a partial tax credit.

On the other hand, contributions to Roth IRAs are never tax deductible, but qualified distributions will be tax free. Also, even though the same dollar caps on yearly contributions apply to Roth IRAs ($6,000 in 2021, and a $1,000 catch-up contribution if age 50 or older), not everyone will qualify to take full advantage of a Roth IRA. The amount you can contribute to a Roth IRA (if anything) will be based on your income and filing status. As with traditional IRAs, you may be able to contribute to a Roth IRA on behalf of your spouse. However, your contribution to a Roth IRA for any tax year must be reduced by contributions made to other IRAs during the same year. For example, your combined annual contribution to all of your IRAs in 2021 — Roth and traditional — cannot exceed $6,000 ($7,000 if you’re age 50 or older).

In addition, members of the Armed Forces may include nontaxable combat pay as part of their taxable compensation when determining how much they can contribute to an IRA (their own or a spousal IRA). For service members with only nontaxable combat pay, Roth IRA contributions generally will make more sense than nondeductible contributions to a traditional IRA.

Blanken Management Inc. Disclosures
The investment advice provided along with the strategies suggested by Blanken Management will vary depending on each client’s specific financial situation and goals. There are risks involved while investing in securities. Considering the risks, you should fully understand the nature of the contractual relationship into which you are entering and the extent of your exposure to risk. Certain investing strategies may not be suitable for many members of the public. You should carefully consider whether the strategies employed will be appropriate for you considering your experience, objectives, financial resources, and other relevant circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

100 Men Who Care Plan to Bolster Non-Profits, Meet Sept. 21

100 Men Who Care, a nationwide network of people interested in supporting non-profit groups in their local communities through giving circles, will launch 100 Men Who Care-Emerald Coast Chapter with an inaugural meeting on Tuesday, Sept. 21, 5:30-7 p.m. at The Palms of Destin.

100 Men Who Care – Emerald Coast’s mission is to help fund charities and non-profit organizations operating in and impacting communities in Okaloosa and Walton Counties. 100 Men Who Care – Emerald Coast is part of the 100 Who Care Alliance with more than 700 chapters worldwide. Coining the phrase “The Power of 100,” each chapter meets quarterly, gathering its 100-plus members at a rotating local venue. Each member contributes $100 to a giving pool. Local charities and non-profits then have an opportunity to describe their mission, needs and plans before the membership. The evening concludes with members voting to choose one local charity to receive the proceeds. The result is a one-time donation of $10,000 or more meant to have an immediate and meaningful impact for the chosen organization.

Locals Scott Rude, management consultant and instructor with the University of Iowa’s Tippie College of Business, and Andrew McDowell, Wealth Manager with Arbor Wealth Management, are founding members of the chapter and are excited to get started after nearly a year of planning.

“Our first meeting, set for The Palms in Destin, will be a great opportunity for attendees to join as founding chapter members, network with fellow philanthropists and do a lot of good in just one hour,” says Scott. “We welcome all interested men to come out and join the new chapter.” Prospective members, and non-profit organizations wishing to pitch their charity mission at an event, as well as venues interested in hosting future events, can contact Scott and Andrew through email at 100mwcec@gmail.com or message the group’s Facebook Page.

100 Men Who Care – Emerald Coast is a Florida 501c3 not-for-profit organization and a chapter of the 100 Who Care Alliance. The organization was formed in 2021 with the mission of connecting philanthropists and caring citizens in the Emerald Coast with the shared goal of giving meaningful support to deserving charities and non-profit organizations that impact their local community. 100 Men’s sister organization, 100 Women Who Care, based in Ft. Walton offers a networking and giving opportunity for women in the community and is also accepting new members. For more information on 100 Men Who Care-Emerald Coast, please email 100mwcec@gmail.com, like the group’s Facebook Page at https://www.facebook.com/100MWCEC/ or visit the website at www.100mwcec.com.

Top 5 Reasons Not to Hire a Grant Writer

By Michelle Jannazo

You and your team see so many grants out there and it appears your organization is eligible. So, you think you’re ready to hire a consultant and submit your application? You might consider the following reasons to hold off.

You have no money.
Despite many ‘urban’ myths, grants are not a quick fix to solve organizational problems — especially financial instability. Funders do not want to save failing organizations. They are seeking to fund successful, financially sound organizations with a proven track record and strong management. Funders choose organizations already making an impact in their community and, with their backing, will expand their reach. Granting entities are more like investors, not angels.

You’re running out of time.
You found the perfect grant and it seems to be the perfect fit for your organization. The deadline is in a week or a few days. Chances are you should probably not hire a grant consultant. An experienced consultant will likely not take the job unless it is to edit a fully prepared application. However, don’t be fooled into thinking a one-page application won’t take time. The shorter the application, the more word choice matters, and the more editing required. A quality grant application takes time.

Securing grants is a lengthy process. It might even take multiple attempts to win an award. You, your staff, or a consultant will want to research the funder thoroughly, make contact, and have a full understanding of their most recent awards recipients. If a deadline is looming and you haven’t started the application, you might be better off focusing your energy on unrestricted funding sources or better yet, on your overall strategy.

You’re not sure you can comply with the requirements.
You must be able to do what you say you’re going to do or you should not apply. If you don’t have the staff, expertise, or resources to facilitate the grant award and complete the proposed program or project, it’s advantageous to wait until you are better prepared. Of course, circumstances change. Funders understand this but it’s up to you to communicate in a clear and timely manner. Usually, mutually agreeable concessions are made. That might mean the monetary award is decreased or reporting requirements are adjusted. Keep in mind misuse of grant funds from a U.S. government agency is considered a federal felony. Whatever you do, be honest. Future funding depends on establishing a credible relationship with the funder. Take the time and make sure you’re “grant ready.”

You think you can do it.
Understand your team’s skills and know your consultant. Some consultants are skilled writers, but they do not write grant proposals. Some grant writers understand the world of philanthropy, grant seeking and nonprofits. Some consultants are subject matter experts that will work with your team to develop the strategy. Perhaps hiring a subject matter expert is a better choice. This will keep most of the proposal development in-house. There is not one set course of action to be successful with your grant programs.

You don’t have enough staff.
Keep in mind the real work begins after the grant is awarded! This includes managing the proposed project and the awarded funds. Managing a grant award requires comprehensive project documentation — collecting data, reporting, and, in some cases, specified communications. Make sure you have the staff and systems in-place for managing your grant and include this in your sustainability plan. You want to get this right the first time and maintain a strong relationship with the funder. This is the key first step to perhaps establishing a long-term relationship with the funder.

Grants are an outstanding way for your organization to improve its services, to extend your reach, establish new or enhanced programs to benefit your customers. However, before applying for grants, it’s important to reinforce and focus your strategic plan, programs, and relationships. When you know where your organization wants and needs to go, you will be ready to hire a grant writer, win that award and further your mission!

Michelle Jannazo is a partner and grant writer with Blue Door Consulting. Her experience in developing proposals for government, business, and nonprofit sectors, has helped secure funding for more than 70 organizations throughout the U.S.

Tourism Works FOR OKALOOSA

Local Dining, Drinks and Coffee! Sept. 2021

LJ Schooners Dockside Restaurant
Welcome to LJ Schooners Dockside Restaurant located at the spectacular Bluewater Bay Marina Complex. The restaurant is named after “LJ Schooner” (the LJ is for Lazy Jack) who was a cherished four-legged icon on Bluewater Bay Marina docks. The open air Oyster Bar and restaurant is open to serve you! Almost all seats offer a magnificent view of the water, marina and unparalleled sunset with, of course, oysters and a delicious varied menu with dinner specials such as Blackened Mahi and grilled shrimp with hollandaise, served over cheese grits!

Join L.J. Schooners for Sunday Brunch, 9 a.m. – 1 p.m. and drink your bottomless Mimosas for $10! Adults $13.95; Children 7-12 $4.50; Children under age 6 free. Call to order take-out and pick-up in the L.J. Schooners Oyster Bar or call when you arrive for curbside pick-up.

And don’t forget, now through Oct. 28, 2021, it’s the Thursday Throwdown Fun Paddle Board Race series! Bring your own or rent for $20. All ages welcome. Every Thursday at 6 p.m. Call 850.699.0045 for more information. And don’t forget the monthly Sunset Shrimp Boil.

Join LJ Schooner’s for these upcoming events:
Marina Life Photo Contest—Now through September 10, and the 14th Annual Cardboard Boat Race on Sunday, September 12.
Dine-in, Pick-up, To-Go
Open Wed.–Sun., 11 a.m.–8 p.m.
(850) 897-6400
290 Yacht Club Dr., Unit 200,
Niceville
bluewaterbaymarina.com/schooners

Brothers Kitchen
Brothers Kitchen is a casual, Southern-style restaurant, a place where you can get all your comfort food favorites. Blue Plate Specials are featured each day—meaning you choose one meat and two of many vegetable options from the daily list. And there’s so many homestyle choices such as Country Fried Steak, Pork Bar-B-Que or Smoked Chicken Breast. Or pair super fresh salads, turnip greens, fried okra, potato wedges or mac ‘n cheese with the famous Boss Burger. Nightly specials vary each evening, but can include grilled or fried fish, shrimp & grits, pasta dishes or steak specials including Brothers Top Sirloin, Delmonico, Ribeye and Queen’s Filet Mignon. Come on by and “taste” for yourself! Or checkout the Brothers Kitchen Facebook page for the daily specials and call, stop in or order ahead. Pre-order for the weekend 24 hours in advance: Smoked whole pork butt, full or half racks, barbecue smoked meatloaf, smoked wings all slow-smoked on the Big Green Egg. And don’t forget the sides! Call 850-842-2687 to place your order! All the Time: Dine In, Curbside, Pickup, Delivery, Outside Dining
Open Monday – Saturday, 11 a.m. – 9 p.m. Closed Sunday.
(850) 842-2687
4538 E. Hwy. 20, Niceville
Facebook @LoveBrothersKitchen

JoJo’s Coffee & Goodness
Owner and operator Angela “JoJo” Stevenson invites you to enter a cafe and relaxed coffee shop atmosphere for a daily dose of “goodness.” Her dream team bakes fresh breakfast and lunch daily—Tuesday-Saturday. Feel free to work on site (free WiFi) or meet up with friends or family. Stop in for Cinnamon Rolls; Scones: Cranberry Orange, Chocolate Caramel and Cheddar Thyme; Strawberry Coffee Cake; Cranberry Orange Muffins; Red Velvet Cookies; Brownies with Espresso Ganache or Caramelitas! Try a Breakfast Special with a piece of Quiche or Kolache-Hashbrown Casserole. Breakfast Burritos are rolled and ready daily! Choose from Andouille, Bacon, Chorizo or Veggie. Or tantalize your taste buds with a made-to-order Breakfast Sandwich on Croissants or Bagel with two eggs and cheese and then choose if you want to add Jojo’s homemade smoked jalapeño beef bologna, bacon, house smoked bbq or ham!

Come meet our new kitchen manager – Kiefer Adams joined our team the first of the month and is already making a HUGE impact!

We have been adding new menu items but, our Cinnamon Rolls and Kaloches still hold the top spot for SELL OUTS! Back to school means change in flavors- Caramel Apple, Peach Cobbler and Almond Joy are just a few of our scone flavors this month. fall means we are back in “pumpkin” business – stop in for featured Muffins, Coffee Cake or Pound Cake which go great with our Maple Cinnamon Latte or Caramel Macchiato!

Every day is a day for freshly Roasted Coffee and great doses of goodness! Order ahead and pick up some for the office, a gathering or your next meeting!

And please tell Jojo that Bay Life says hi! Hours 7:30 a.m. – 2 p.m. Tuesday – Saturday
(850) 737-6194
4652 Hwy. 20 East, Niceville
bigorangehousedesigns.com

Cleansing: 4 Key Steps

By Bart Precourt, D.C.

One of the greatest gifts you can give yourself is the gift of health. There may be no better gift than doing a whole food cleanse. Will it be easy? Maybe, maybe not. Do you need it? Most likely. Do you deserve it? YES!

After facilitating and participating in a Whole Food Cleanse for years, my clinical and personal experience tells me that everyone would benefit from cleansing. This is a quick overview of how to prepare for success.

Set your goals and have a plan
Setting realistic goals is extremely important when making decisions regarding cleansing your body. Often weight loss is a primary goal, yet it needs to be realistic. If you’re doing a 10 day cleanse, don’t expect to lose 20 lbs. Usually men lose weight at a much more rapid pace than women, yet we all will lose weight and get to our ideal size when we sustain healthy eating habits. Typically with the 21-day cleanse we facilitate, men on average lose between 8-15 lbs. and women lose 5-10 lbs.

Sustaining your new health with improved eating habits should be among your goals, with weight loss being a side effect. Other realistic health goals should include reducing inflammation, joint pain, hot flashes, and even improving sleep. All are side effects of ridding our bodies of toxins and restoring our digestive and elimination systems.

Have a plan beyond “I’m going to eat better.”
A good plan includes what will you eat? How often? Real food or packaged? If you’re using supplements, which is often the key to restoring your digestive and eliminative systems, be sure they do not contain any stimulants or appetite suppressants. All your supplements should be “Whole Food” supplements.

Have support and accountability
Being part of a group, or having a coach, nutritionist, or your doctor is a great advantage. Have someone in your corner who can help keep you on track and accountable when things get challenging. Find someone with a good knowledge base and experience. Your surroundings are often a major influence on what you eat and drink. Ideally your spouse or close friends are cleansing with you so you aren’t tempted to stray off track.

I find that most adults have no idea how much power sugar and chemicals have over our bodies until we give them up. Keep in mind that simple carbohydrates like bread, alcohol, muffins, crackers all act just like sugar and will need to be avoided in any successful cleanse.

Understand your symptoms
No one said cleansing your body of toxins is easy. Symptoms are expected and should be welcomed or at least understood. Too often I hear of people bailing out of their plan because they come across some unwanted symptoms. For example, low energy at some point during your cleanse should be expected. When you eliminate simple carbs and sugars from your diet, your body will need to re-learn how to burn fat for fuel. This can take a day or two, sometimes more. During this time, symptoms of lethargy, fatigue, brain fog, and even irritability can be expected. This is your key turning point in making changes! Stay the course and power through it. Having an experienced facilitator and proven program is highly beneficial in these moments.

Knowing what is next
This has two parts. First reflect on what you just experienced. Make note of your emotions, energy, food focuses, mental focus, pain, elimination, etc.

Women who do our 21-day whole food cleanse often eliminate their hot flashes. Some sustain this benefit with good eating habits, like avoiding sugar and processed carbs. Others have their hot flashes return in direct relationship to poor eating and drinking. Second, choose to eliminate one bad habit for good! Think about this from the beginning and commit to it. Your cleanse program, at least the food options, should be sustainable. Moving forward, stick to a whole food clean eating plan and mark your next cleanse on your calendar.

Dr. Bart Precourt and his wife Kelli, opened Balance Health Studio in 2006 to offer health and fitness as a lifestyle to the 30a community and beyond. For more information, please visit www.balance30a.com.

From Okaloosa Superintendent Marcus Chambers

Welcome back to a much-anticipated new school year in Okaloosa County! One of the greatest advantages of being in education is that we have the opportunity to reflect on the previous year and make improvements and changes in the new one. We learned a lot about what we are capable of achieving last year and plan to build upon that for the best year yet!

I appreciate the grace and compassion afforded by all students, parents, teachers, staff and administrators as we navigated the pandemic last year and continue to this year. Everyone had their share of challenges, but we made it through, setting an example to many across the nation of what could be done considering the circumstances. While we are not completely back to normal, I am proud of the efforts made to continue educating our students at the highest level possible. Our students continued to make gains and grow regardless of the unusual conditions in which we found ourselves. While we look forward to returning to normal, it should be a new definition of normal as we implement the things we learned from the changes we were forced to endure.

We have so many things to look forward to as we begin this year. Thanks to our community passing the half cent sales tax, we have made improvements to every school in the district and will continue to for years to come. Some schools have received safety updates with a single point of entry and protective fencing around the perimeter of the campus, which has been a priority of mine since day one. Others are getting much needed renovations to improve the quality of the environment whether that be more classrooms or a cafetorium to accommodate growing populations.

Parents, as we begin this school year, I want to thank you for helping your student through a difficult year. Your support at home is important and I would like to encourage you to extend that support to become connected to your child’s school. Volunteer through the School Advisory Council, booster clubs or the PTO. Your input is a valuable piece of the partnership between you and the school as decisions that impact your student are made.
Students, one of the biggest things we learned about you last year is that you are resilient. This is one of the most important character traits to possess and I challenge you to grow your resilience even more this year. Be persistent in pursuing your passions and communicate with your teachers and administrators how we can help you. You are the next generation of Okaloosa County Schools and you are the reason we are here!

Let’s work together to make this school year the best yet as we all continue to strive for excellence and be better every single day.

Welcome back!

Walton County School District Begins a New Year!

By Superintendent A. Russell Hughes

What an EPIC Day at Freeport High School and Freeport Middle School on Tuesday, August 2, 2021. These schools hosted WCSD’s EPIC4wRd Back to School Teacher Training COATand Empowerment Day! The semi-annual event is a time for teachers to reconnect, learn new classroom strategies and get excited about the upcoming year.

Traditionally the event is hosted at one venue, but due to an abundance of caution exercised by Superintendent A. Russell Hughes, the event occurred in two locations. Face-to-face sessions were smaller to prevent large numbers; however, virtual experiences allowed the second location to participate fully. It was a phenomenal day of Excellence, Professionalism, Innovation, and Collaboration. Teachers, administrators, and support staff from all over the District joined together to celebrate, ignite our drive to educate students, and introduce this year’s theme:  EPIC 4wRD; Recalibrated, Refocused, Ready, and Rocking!  Superintendent Hughes welcomed everyone with stirring comments about the value of all those who participate in the educational process of Walton County School District. Our “Ready” culture prompted the Superintendent to choose Red as the theme color for this year’s event!  In Superintendent Hughes’ opening address, teachers were congratulated on their work and students’ overwhelming strides during the pandemic year. “We were ready before, and we are ready now,” he said. “Walton District employees are a family; we care about students, their success, and each other,” Superintendent Hughes shared.

Special keynote speaker Kyle Schwartz, renowned educator and author, inspired listeners while instilling a greater desire to really “see” and “know” our students as we strive to help every child succeed. Ms. Schwartz challenged district employees to build community in classrooms while seeking to remove barriers that hamper students’ ability to learn. Seventy-five presenters from district schools provided informative and engaging professional development in content and choice sessions designed to support the Superintendent’s vision for WCSD.

The day closed in a rousing pep rally with prizes, uplifting comments from our Teacher of the Year Leslie Coone, and special thanks by Superintendent Hughes for all those who made the day possible.

Walton Co. Democratic Women’s Club Committed to Service

In keeping with their mission of Service to Our Community, the Walton County Democratic Women’s Club (WC DWC) recently delivered gift bags to the Walton County Beach Safety Officers. The gifts were part of a series of celebrations designed to recognize the Essential Workers and Heroes who have kept us safe through the Pandemic and beyond.
Members of the WC DWC made donations, both monetary and in-kind, to fund the gifts. Susan Bowden, President of the WC DWC, along with Dr. Carolynn Zonia, Treasurer, made the delivery of the gifts on a day that included Jr. Lifeguard training. Beach Safety Director David Vaughan reported that the gifts and recognition were well received and much appreciated by the Lifeguards.

For more information about the Walton County Democratic Women’s Club, or to join, please check out our web page www.waltoncountydwc.org.

Journey Bravely: Survival Mode Recovery

By Stephenie Craig, LCSW

Have you found yourself coming out of a difficult time of crisis wondering “What do I do now?” Maybe you battled the illness and rang the bell. Maybe you moved and found yourself trying to resettle. Maybe you went through a painful loss or ending of a relationship and find yourself trying to pick up the pieces.

Your body and brain are uniquely suited for managing stress and will often automatically go into survival mode when life gets overwhelming. For a time, you can survive on less sleep, less adequate nutrition, and less than ideal coping skills. Your brain moves away from higher level thinking tasks and focuses on the next step you must take to get through the day. Survival mode is a biological gift while you’re in the midst of high stress and emotional turmoil that might otherwise take you down.

When your stress is prolonged and intense, it can be hard to figure out what you’re supposed to do when the stress subsides. It can take your body and brain time to catch up with your circumstances and return to a calmer state. So, how can you intentionally help your body and mind recover from the heightened state of survival mode?

5 Self-Kindness Practices to Promote Survival Mode Recovery:

Create space for backlogged emotions. Often during times of high stress, your brain sorts overwhelming emotions to the side to support your daily functioning. When the crisis ends, you may experience large waves of emotion pertaining to the crisis. Let yourself feel without judgement. Your emotions don’t need to be rational. They simply need pathways to escape your body to complete the release of stress. Let yourself cry, create, be athletic, journal, go to therapy, vent to a friend, punch a punching bag. Releasing emotion provides a pathway for your body to a normal state.

Create space for rest. Often during a crisis, rest falls off the priority list. When the crisis ends, you may find yourself physically and mentally exhausted. You may feel forgetful, confused, fatigued and irritable. Take naps, prioritize healthy sleep patterns, read a book for leisure, take a weekend away.

Return to healthy practices. During crisis, things like taking walks, attending small groups, yoga, deep breathing, and personal growth reading become hard to continue and often disappear entirely. When life calms, remember healthy practices that provided life-giving foundation before the crisis. Try choosing one or two healthy practices and slowly and consistently returning to them.

Be aware of numbing activities. Under intense stress, most people begin unhealthy coping skills to numb and avoid facing difficult emotions. Common numbing activities include substance abuse, eating to medicate feelings, overspending, binging shows, binging social media, engaging in unhealthy relationships. Try not to judge yourself harshly when you identify numbing. Instead show grace to yourself. You’ve been through something hard. Try acknowledging your numbing and intentionally begin substituting healthier practices and coping skills. Ask for help if your numbing has become addictive.

Pursue joy. When you’ve been through something hard, it’s not unusual to notice you’ve begun trying to protect yourself from joy. Joy can be as vulnerable as hurt and sadness, especially when faced with imagined or actual traumatic loss. Your brain might trick you into believing you will experience less pain if you avoid joy. Try telling yourself the truth that experiencing joy is not going to create more pain. In fact, avoiding joy simply robs you of joy. When hard times come, the joy you allow yourself to experience is much more likely to bring comfort than to intensify pain.

As you take steps to move from crisis to normalcy, remember to be kind and patient with yourself. Harsh words and self-criticism are unproductive and feed depression, anxiety, and discontent. With care and intentional practice, your body and mind will sync up with your life circumstances. Know you aren’t alone and survival mode recovery is a natural part of the human experience. Also, be on the lookout for increased insight that comes through suffering that may surface as you recover, as well as, a deeper compassion you may have for others going through what you’ve recently experienced. As you navigate your crisis mode recovery, remember to connect with us at journeybravely.com for support along your journey.

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