august 6th 7:00am · cides with the birthday of orville wright, who piloted the wright flyer. he...

AUGUST 6TH7:00amMonthly Chamber Breakfast meeting @ the Crestview Community Center

AUGUST 11TH8:30amScholarship Committee meeting @ the Crestview Chamber

AUGUST 20TH6:30pmPILOT Committee meeting location TBD

AUGUST 27TH12:00pmRibbon Cutting for Dermatology Specialists of Florida @ 550 W Resdstone Ave Suite 390

CRESTVIEW AREA CHAMBER OF COMMERCE | CRESTVIEWCHAMBER.COM Building a Strong Community, in Perfect Harmony.

THANKS TO OUR 2015 CORPORATE SPONSORS

OFFICERSMarian McBryde (Okaloosa Title & Abstract) Chairman of the Board

Dawn Mann (Legacy Insurance of Northwest Florida) Chairman-Elect

Alicia Booker (North Okaloosa Medical Center) Past Chairman of the Board

Mike Roy (Bryan Pest Control) Treasurer

Dawn Mann (Legacy Insurance of Northwest Florida, LLC) VC Membership

Ashley Rogers (Chesser & Barr, P.A.) VC Government

Craig Shaw (Shaw Moving & Storage) VC Strategic Development

Alison Broxson (Shoal Creek Rehabilitation) VC Community

Derek Lott (CCB Community Bank) VC Events

BOARD OF DIRECTORSRita Smith (CareerSource Okaloosa/ Walton)

Dale Henderson (Lee Buick GMC)

Yvonne Shanklin (Edward Jones)

Chris Daggs (Hub City Ford, Inc.)

Tom Moody (Old Warrior Ranch)

April Meier (Pawsitively Scrumptious)

Sherrell Compton (New Life International Worship Center)

Lynn Dominique (Revive Media Services)

David Colon (Fred Astaire Dance Studio)

Lynn Yort (Waste Management)

Christie Cadenhead (FNBT.COM Bank)

Ashley McCullum (Embry- Riddle Aeronautical University)

David Gaillard ( Air Care A/C & Heating Service, Inc.)

Betsy Roy (City of Crestview)

Amy Herf (Peoples Home Health)

Ryan Mabry (AXA Advisors)

STAFFValerie Lott - Office Manager

Jennifer Pierson - Executive Assistant

FOCUS is a publication of the Crestview Area Chamber of Commerce, 1447 Commerce Drive, Crestview, FL 32539, (850) 682 3212 • Fax (850) 682 7413

Published and printed by The Northwest Florida Daily News. Submit articles to the Chamber at the numbers listed above or by email at [email protected].

WAAZ/WJSB

IN THIS MONTH’S ISSUE

FROM THE CHAIRMAN OF THE BOARDby Marian K. McBryde

From the Chairman of the Board . . . . . .

Beach Community Mortgage . . . . . . . . . Page 3

Business Spotlight . . . . . . . . . . . . . . . . . Page 3

New and Renewed . . . . . . . . . . . . . . . . Page 4

August Calendar . . . . . . . . . . . . . . . . . . Page 5

America's SBDC Florida . . . . . . . . . . . . . Page 6

Okaloosa Gas District . . . . . . . . . . . . . . Page 6

Crestview Dental Center . . . . . . . . . . . . Page 7

Sponsor Page . . . . . . . . . . . . . . . . . . . . Page 8

9th Annual Community Health Fair . . . . Page 9

Healing Hoof Steps . . . . . . . . . . . . . . . Page 10

Crestview Strengthworks LLC . . . . . . . . Page 11

IF YOUR BUSINESS IS INTERESTED IN SPONSORING THE FOCUS, PLEASE CONTACT

THE CHAMBER STAFF (850) 682-3212.

THIS IS OUR MISSION

C=0 M=0 Y=0 K=60 C=0 M=0 Y=0 K=30 C=10 M=100 Y=100 K=0 C=0 M=75 Y=70 K=0

This publication is designed & paginated by Red8 Creative.

www.red8creative.com

PUBLISHING INFORMATION

Welcome to the August 2015 FOCUS Magazine. We are glad you are either read-ing this in printed format or via our web-site. Either way, please share the URL or take extra copies back to your office and share with your clientele.

The Crestview Area Chamber of Commerce has a mission. And it is not MISSION IMPOSSIBLE either! Instead it is something your Chamber has done in the past, is presently doing and will contin-ue doing long into the future by “being the premier business advocate in the Crestview area community, providing membership services and proactive leadership to pro-mote responsible economic development, business success, and a high quality of life.”

THAT IS OUR MISSION. And, I want you to Jump In – Feet First a nd enjoy by being part of our mission!

GETTING YOUR TOES WET:One of the most important type of

events held by any chamber of commerce is a networking event, where represen-tatives of member businesses can meet, exchange information, and hopefully enter into mutually beneficial relationships. Your Crestview Area Chamber of Commerce offers multitudes of way methods of net-working: Monthly Chamber Breakfast (Oh yes, it is early but what else would you be doing at 700 a.m. when you could be having a good time instead? Wake Up Sleepy Head!); Monthly Business After Hours (2nd Thursday of each month after working hours, of course, and a

great venue to meet others); Committee Meetings throughout the entire month; Special Member Luncheons, and more. Check out this Focus magazine for the dates and times.

WIGGLING THOSE TOES:Okay…are you a shy one? Well, here’s

the deal. To make the most of networking opportunities for you and your business, you cannot be a WALLFLOWER. No! No! No! Here’s what you do. The very second you walk into the room you walk right over to the first people you see and intro-duce yourself. Do not let anxiety set in for a single second. You just talk naturally and let the conversation flow naturally. And, do not focus on selling yourself or your business. You are in the business right now of developing new friendships. Take advan-tage of these Chamber events to WIGGLE THOSE TOES and get to know others.

JUMPING ALL IN THE WATER IS GREAT:

The Crestview Area Chamber of Commerce offers lots of benefits to you and your company, such as:

Place your business cards and brochures in the display case in the Chamber lobby, to reach local businesses and residents, and visitors more effectively

Participate in committees that relate to your business to meet people in your industry as well as sharing your expertise and building new relationships

• Enjoy discounts on services from other Chamber members.

• Establish credibility by incorpo-rating The Crestview Area Chamber of Commerce’s logo into your marketing material (Contact the Staff as to the rules

of use)Get involved in your chamber! Besides

getting your feet good and wet and going for a great swim, you’ll soon reap the ben-efits of being a Crestview Area Chamber of Commerce Member!

HAPPY AUGUST to you and yours ! Happy National Aviation Day -August 19, 2015 (*See Below)

Marian K. McBryde, General ManagerOKALOOSA TITLE & ABSTRACT CO. CRESTVIEW Main Office:402 N. Main StreetCrestview, Florida 32536Phone: 850.682.6171

AUGUST 19, 2015 NATIONAL AVIATION DAY: In 1939 President Franklin Roosevelt proclaimed August 19 to be National Aviation Day. The day coin-cides with the birthday of Orville Wright, who piloted the Wright Flyer. He and his brother Wilbur are given credit for building the world’s first successful airplane with air-craft controls that enabled them to steer the plane. Orville Wright made the first flight for 12 seconds and 120 feet around the site of Wright Brothers National Memorial on December 17, 1903. They were not the first to build and fly experimental aircraft but they are the first to invent aircraft controls that made fixed wing flight possible. The Wright brothers’ status as inventors of the airplane has been an issue of debate, particu-larly as there were competing claims regarding other early aviators

Marian Mcbryde

CRESTVIEW AREA CHAMBER OF COMMERCE | CRESTVIEWCHAMBER.COMBuilding a Strong Community, in Perfect Harmony.

BUSINESS SPOTLIGHT:Military Appreciation Recognition Celebration, Inc.

The Military Appreciation Recognition Celebration, Inc. is a Florida-Not-For Profit Corporation and has been since November10, 2008. The MARC is also a “Public Charity” 170 (b) (1) (A) (iv) as identified by the Department of the Treasury, Internal Revenue Service, on November 10, 2008.

The sole purpose of the MARC is to set aside one day a year, Armed Forces Day, to honor our military families both active duty as well as retired, with a gigantic picnic at Spanish Trail Park in Crestview. We serve hamburgers, hot dogs, bratwurst and bar-b-q. The Boys Scouts cook

peach, apple and blueberry cobblers on cast iron Dutch ovens in the ground. We provide Pepsi products for our beverage.

This is a family event with no alcohol beverages allowed. We provide entertainment on stage with local groups providing the music. There are military as well as commercial static displays. V. F. W., American Legion, D. A. V. and other clubs have tables set up to boost their membership and make people aware of their mission.

Local businesses donate money to put this event on each year. Our budget is approximately $9000.00 a year.

Businesses are encouraged to help support this annual function with a sponsorship package.

THERE IS NO CHARGE FOR ANYTHING AT THE MARC EVENT.

Everyone is encouraged to set aside the third Saturday in May, Armed Forces Day, from 11:00 A M to 3:00 P M, at Spanish Trail Park in Crestview, as we demonstrate the community’s support for our military and their families.

Come join us!

The mortgage process has been daunting for some homeowners and a new rule from the Consumer Financial Protection Bureau (CFPB) is meant to allow consumers more time to review documents before closing on their transactions. In theory, slowing down the pace a bit could be beneficial to some homebuyers. The overall result, however, could increase the timelines for closing the transaction for all home loans. The process of buying a home and connecting all the moving parts, from writing the sales contract to the actual closing day where ownership is transferred, takes a collaboration of several professionals. Communication is the critical component and borrowers will play a key role in making sure that the process moves forward by providing supporting documentation to their lenders at application or immediately after. Lenders have to document everything from the ability to repay the debt (income and assets) to a history of credit patterns. Borrowers should be ready to pull out all records for the past two years to document what you tell the lender at application!

TRID is the acronym for the Truth In Lending RESPA Integrated Disclosure rule which will go into effect October 3rd 2015. Mortgage lenders and title/settlement agents are very proactive in preparing for this new regulatory process. Notable to consumers will be the combining of two traditional disclosures into one, at the initial application and at the closing itself. The traditional Good Faith Estimate and the Truth In Lending Disclosure (TIL) will now be one document titled the Loan Estimate. The HUD-1 Settlement Statement and the Final TIL, will now be called the Closing Disclosure. The language and emphasis on critical information appears to be more consumer friendly, but will take some getting used to for the industry. Possibly delays in the closing are due to a three business

day wait period for consumers to review and compare their final figures to the ones initially disclosed to them by the lender. An error in the Annual Percentage Rate(APR) of more than 1/8% on a fixed rate loan would cause an additional 3 day wait period to occur. While lenders and settlement agents strive to not have errors at closing, a borrower might change their mind about the loan product or term during this three day period and thus, we begin anew. Realtors/Sellers should expect more than 30 days in most cases to close the deal, therefore, contracts should be written with a 45 day or more timeline to close. Avoiding extensions that could be detrimental to the sale may be a great advantage to the seller.

If you are selling your real estate, you need to be prepared with your ownership records,have all liens against the property documented, locate your old survey and have your property in good shape. Repairs required by an appraisal can create issues during a loan process. Seek the guidance of a Realtor in regards to the condition of your home when you are listing it for sale.

As with any new change, lenders and settlement agents will be adjusting to the process. The penalties for not complying are severe and no lender wants to incur the wrath of the CFPB. So as they say in the traffic reports, expect delays, but know you will get where you are going safe and sound.

For more information http://www.consumerfinance.gov/knowbeforeyouowe/

Pam Woodall, PresidentBeach Community Mortgage

Buying or selling a home? Patience is a virtue!MEMBER ARTICLE Beach Community Mortgage

TERMITE - LAWN - HOUSEHOLD850-682-5553

www.bryanpestcontrol.comMike Roy Service Representative

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John Deere • Kubotoa • Stihl • Scag • Toro

I am very honored to have been selected as your Chairman-Elect . I want to thank Allen Bell and all of "Team Legacy" for supporting this opportunity . This truly is a surprise and a great honor .

If you attended the annual installation dinner you could tell right away that this year…everyone has a voice! Jump in! Join the band! Toot your own horn! Success of your business begins with YOU! I encourage you get involved this year with the Chamber . Exciting things are happening this year with the Ambassadors, Pilot, MAC and Scholarship committees . Let your voice be heard! Involve yourself and watch your business grow .

FROM THE CHAIRMAN ELECTby DawnMann


Beach Community Mortgage Kristan Howard

D. R. Horton Emily Natalio

Okaloosa County Farm Bureau Federa-tion Molly Huffman

1st Choice Cleaning Michele Gilbert

Blackstone Golf Course Ty Bilbrey

Quality Inn Teresa Davis

CCB Community Bank Derek Lott

Gulf Coast Vision Center Catherine Echols

Clifford M. Calderwood, Sr., CPA Clifford Calderwood Sr.

A Cedar Oak Landscaping Company Peter Zegel

Passport America Ryan Simmons

Air Force Enlisted Village Scarlett Bauman

Crestview Physical Therapy Clinic Thomas Miller

Florida Pest Control & Chemical Co. Chris Powell

Gentiva Health Services Chrissy Howell

Graham Fountain Graham Fountain

Peoples Home Health Mrs. Amy Herf

Troy University Alicia Bookout

Whitworth Builders, Inc Louis Stevens

Crestview Technical Air Park, LLC (CTAP) Paul Hsu Ph.D.

Matthews & Jones, LLP Steve Sametz

Pinnacle Pointe Rental Community Ms. Beth Barron

Crestview Athletics Chris Moore

Emerald Coast Eye Institute, PA Samuel Poppell M.D.

Crestview Pharmacy Hal Densman

Mack’s Auto Tech Essie Mack

My Sister’s Closet Cynthia Harris

Shaw Moving & Storage Nathan Shaw

Tepper Aviatin, Inc. Tim Rhyne

Casbah Coffee Company Julie Drost

Adams Homes Kendra Sheikho

Anderson’s Cleaning & Restoration Steve Anderson

Allen Turner Chevrolet Jeff Henson

Samuel’s Roadhouse Charles Herrin

Crescent Park Village Meg Lawhon

Crestview Housing Authority Judy Adams

Dale Carnegie Training Len Williams

Finishline Signs and Graphics Stuart Campbell

First United Methodist Church Michael Precht

Freedom Tax Service Plus Bob Fiddler

Freedom Tax Service Plus, LLC Joanne Fiddler

Knights of Columbus #7968 George Liedel

Publix Super Markets, Inc. Timothy Bryant

Riviera Family Fitness Julie Ragas

Spears Environmental Inc. Pest Control Eric Spears

United States Postal Service John Blair

Village Profile David Harris

West Florida AHEC Penny Eubanks

Whitworth Builders Larry Hoftman

Old Warrior Ranch Tom Moody

Freedom Tax Service Plus Marcia Saranpa

CCB Community Bank Alan Wood

CCB Community Bank Tricia Gaddis

Trustmark National Bank Laurin Wheelock

Henry Company Homes Shawn Helwig

Moulton Realty Tina Hanners

Okaloosa County Airports Mike Stenson

Moulton Land Title, Inc. Jason Moulton, P.A.

Uncle Bills Family Restaurant Bill White

American Cancer Society Brittany Wade

Dermatology Specialists of Florida Kim O’Neal

Niceville Hearing Center S. Grant Williams, HAS, HIS, ACA

Coastal Vascular & Interventional, PLLC Donna Guttilla

Pleat, Perry & Ritchie, P.A. Kellyanne Bartleson

Corivas Military Living Brandon Masters

Ranch Hands Construction & Cleaning Wendy Amsden

Beach Community Mortgage Richard Harless

Love’s Travel Stop Harley Wahaley

FamiliesFirst Network Coey Borcherding

Okaloosa County School District - Assistant Superintendent of Curriculum Marcus Chambers

Ben White Productions Ben White

Jimmy L. Lundy CPA P.A. Jimmy Lundy

Simon Family Restaurant Franco Simon

Daniel A Bowers Jr. Daniel Bowers

Simple Elegant Affairs Lynn Hamlin

Uniquely Created Designs Jennifer McCurley

THANK YOU MEMBERSHIP RENEWALS

TIME TO RENEW

NEW AND RENEWEDJack of all Trades Productions John Alexander | (850) 899-6339 www.doseofjohnnyc.com

WELCOME NEW MEMBERS


AUGUST CHAMBER MEETINGS & EVENTS

AUGUST 4TH Health and Wellness Committee Meeting 8:30am @ the Crestview Chamber

AUGUST 6TH Monthly Chamber Breakfast meeting 7:00am @ the Crestview Community Center

JUNE 8TH Arts & Culture Committee Meeting 8:30am @ The Crestview Chamber

AUGUST 11TH Military Affairs Committee Meeting 11:00am @ Samuel’s Roadhouse

AUGUST 11TH Scholarship Committee meeting 8:30am @ the Crestview Chamber

AUGUST 12TH Government Issues Committee Meeting 8:30am @ The Crestview Chamber

AUGUST 20TH PILOT Committee meeting 6:30pm location TBD

AUGUST 20TH Executive Committee meeting 4:00pm @ the Crestview Chamber

AUGUST 26TH Ambassador Committee Meeting 8:30am location TBD

AUGUST 27TH Ribbon Cutting for Dermatology Specialists of Florida 12:00pm @ 550 W Resdstone Ave Suite 390

AUGUST 27TH Board of Directors Meeting 4:00pm @ the Crestview Chamber

AUGUST COMMUNITY MEETINGS & EVENTS

AUGUST 3RD Troy University Office Hours 10:00am-2:00pm @ the Crestview Chamber office

AUGUST 3RD Military Appreciation Recognition Celebration (MARC) meeting 1:00pm @ The Crestview Public Library

AUGUST 3RD Ukulele Jam Club 6-8pm @ The Crestview Public Library

AUGUST 4TH Revealing the Inner Beauty of Stones 10:30am @ the Crestview Public Library

AUGUST 4TH Carver Hill Museum Meeting 5:30pm @ 895 McClelland Street

AUGUST 4TH Healthy Woman presents Fit, Fierce & Fabulous 6:00pm @ the Crestview Community Center

AUGUST 5TH Crestview Kiwanis & Rotary Meeting 12:00pm @ Samuel’s Roadhouse

AUGUST 6TH Back to School Fair hosted by the Crestview Health Center 4:00pm @ the Crestview Health Center

AUGUST 6TH SBDC Business Bootcamp 1:00pm @ UWF FWB Campus Building 1 room 126


AUGUST 7TH SBDC Business Bootcamp 10:30am @ UWF FWB Campus Building 1 room 126


AUGUST 10TH City of Crestview Council Meeting 6:00pm @ City Hall

AUGUST 11TH GFWC Woman’s Club of Crestview 9:30-10:30am @ 150 Woodlawn Drive

AUGUST 11TH Poetry and Music Jam 6:00pm @ the Crestview Public Library


AUGUST 13TH SBDC Business Bootcamp 9:00am @ UWF FWB Campus Building 1 room 126



AUGUST 19TH Troy University Office Hours 10:00am-2:00pm @ the Crestview Chamber office


AUGUST 19TH RA Capozzola Lodge Sons of Italy Meeting 6:00pm @ Foxwood Country Club

AUGUST 20TH Crestview Main Street Association meeting 6:00pm @ the Crestview City Chambers

AUGUST 24TH City of Crestview Council Meeting 6pm @ City Hall

AUGUST 24TH Crestview Writers group 6:00pm@ the Crestview Public Library

AUGUST 26TH Crestview Kiwanis & Rotary Meeting 12:00pm @ Samuel’s RoadhouseFor additional information about the

events listed, please visit our website

crestviewchamber.com

A U G U S T 2 0 1 5 C A L E N D A R O F E V E N T SFOR ADDITIONAL INFORMATION ABOUT THE EVENTS LISTED, PLEASE VISIT WWW.CRESTVIEWCHAMBER.COM


Business Boot Camp Series this August

Natural Gas Safety for You and Your Family

MEMBER ARTICLE

MEMBER ARTICLE

America's SBDC Florida

Okaloosa Gas District

Check out the FSBDC at Fort Walton Beach Business Boot Camp series happening in August! Gain an understanding on how to move your business idea from concept to reality in this seven course training. Participants will learn how to plan, market, and effectively manage a business. This series is being offered at a discount rate of $99. This is a $60 savings from taking these classes individually. Call 850-586-7809 to register for the whole series or find out more details. Details are on our website at www.sbdc.uwf.edu.

BUSINESS BOOTCAMP - $99Value over $160.00

SMALL LOANS AND PEER TO PEER LENDING. - $25

Aug 6- Thur.UWF FWB Campus Bldg. 1 Room 126

1:00 pm to 3:00pm

DO YOU HAVE THE RIGHT BUSINESS MODEL? - $20

Aug 6 - Thur.UWF FWB Campus Bldg. 1 Room 126

3:30pm - 4:30 pm

CREATING WEALTH IN YOUR BUSINESS - $20

Aug 7 - Fri.UWF FWB Campus Bldg. 1 Room 126

10:30 am - 12:00 pm

MARKETING - SOCIAL MEDIA - $25Aug 7- Fri.

UWF FWB Campus Bldg. 1 Room 1261:00 pm - 4:00pm

HOW TO WRITE A BUSINESS PLANPART 1 NARRATIVE

TELL YOUR STORY - $25Aug 13 - Thur.

UWF FWB Campus, Bldg. 1, Room 1269:00 am - 11:30 amFort Walton Beach

HOW TO WRITE A BUSINESS PLAN

PART 2 FINANCIAL PROJECTION - $25Aug 13 - Thur.

UWF FWB Campus, Bldg. 1, Room 1261:00 pm - 3:00 pmFort Walton Beach

HUMAN RESOURCE MANAGEMENT - $25

1:00 pm - 4:00 pmAug 14 - Fri.

UWF FWB Campus, Bldg. 1, Room 126Fort Walton Beach

What is widely known as one of the safest, most reliable and environmentally friendly fuels in use today? If you guessed natural gas, you’re in the know. Underground pipelines bring natural gas to millions of homes, businesses and industries throughout the United States. These extraordinary underground “highways” are the nation’s safest form of energy transportation.

“Okaloosa Gas is committed to providing safe, reliable natural gas to the communities we serve,” says David Cole, Safety Director for Okaloosa Gas District. “Since natural gas pipelines exist everywhere, you need to be aware of the signs of a leak and how to respond if a leak is suspected — even if natural gas is not a source of energy in your home or business.”

Okaloosa Gas asks you to remember four simple steps — look, listen, smell and leave:

LOOK: Near a gas leak, you may notice blowing dirt, bubbling creeks or ponds, dry spots in moist areas or dead plants surrounded by green, live plants.

LISTEN: An unusual hissing sound near gas lines

or appliances may indicate a natural gas leak. SMELL: In its raw state, natural gas is odorless.

Natural gas utility companies add a harmless substance called mercaptan to create a rotten-egg-like smell. You should take action even if the odor is faint.

LEAVE: If you notice any of the above signs, leave the area immediately and contact Okaloosa Gas at 850-729-4700. If the smell of natural gas is particularly strong, also call 9-1-1.

CALL 811 BEFORE YOU DIG. IT’S FREE!Pipelines may be located anywhere, including under

streets and sidewalks. Since you are an Okaloosa Gas customer, there are most likely pipelines underground on your property. That is why it is important to know where they are before digging for any reason.

Call 811 at least two workdays before you begin. This can help avoid costly damage or injury. 811 will coordinate with Okaloosa Gas and other utilities to mark the location of buried utility-owned gas pipelines and other utility owned lines-free of charge.

Once all lines are marked, carefully use only hand

tools to dig within 24 inches of marked gas lines. NO DAMAGE IS TOO SMALL TO REPORT. Even a slight gouge, scrape or dent to a pipeline or coating may cause a dangerous break or leak in the future. If you cause what seems to be ONLY minor damage to a pipeline, OR ANY COMPONENT ATTACHED TO THE PIPELINE, you should notify us immediately by calling 729-4700.

At Okaloosa Gas -- Your Safety is our #1 Priority!


HAS YOUR BUSINESS HAD A RIBBON CUTTING?

If you would like to host a ribbon cutting for your business, please contact the Crestview Chamber

at 850.682.3212 for more information.

Getting a Head Start on Tooth DecayMEMBER ARTICLE Crestview Dental Center

6522685

FINANCING ANEWHOME CANBE CONFUSING

Andalusia334-222-2561

Opp334-493-2259

Crestview850-682-0484

Niceville850-279-3886

Our experienced Mortgage LoanOriginators will help you understandyour options, so you can choose amortgage that's right for you. In additionto the convenience of being local,

CCB offers competitive interest rates, same day pre-qualifications, andunmatched customer service. We'll help you choose from:

• Conventional Conforming Loans• Rural Housing Loans• VA Loans• FHA (Federal Housing Administration ) Loans• Construction to Permanent Loans• In-House Program• Jumbo Loans

Have questions? Contact CCB today so we can help you navigate themortgage process and show you just how easy home financing can be.

www.bankccb.com

Did you know that the American Academy of Pediatric Dentistry (AAPD) and the American Dental Association (ADA) recommend a dental visit for children by the age of one? While to some this may seem overboard, the change in recommendation from age three to one has shown to have an impact on fighting tooth decay early. A study done in the journal Pediatrics showed that children who had a dental visit before age one actually had 40 percent lower dental costs in their first five years than the children who did not, due to the cost associated with poor oral health. And while a visit this young will not necessarily result in significant findings, it will allow the child and parent to begin a relationship with the dentist.

But baby teeth aren’t important because they are going to fall out and get new ones anyway, right? This is wrong. Baby teeth are imperative for speech development, proper nutrition, as well as guiding the path for permanent teeth. Just as an adult can get a painful tooth ache, infected baby teeth can cause pain that can effect eating, learning, and sleeping. All which are crucial for development.

Taking your child in to see the dentist also enables the child to begin a lifelong comprehensive care program to minimize tooth decay for a lifetime. The dentist can provide parents with the information and proper oral hygiene instructions to aid in the healthy development of their child’s teeth. With 10% of children having decay by two years of age and 40% by age four, it makes great sense to have early and regular dental visits by 12 months of age.

What you should expect at the first infant age dental visit is a non-invasive, educational and informative meeting. Let the dentist get to know the child and parent while letting the child and parent get comfortable with the dentist. Ask all your questions and discuss any concerns you may have. You will want to leave feeling informed and ready to take the best possible care of your child’s beautiful smile.

Written by Dr. McKinzie Jeffery, the dentist at the newly opened Crestview Dental Center housed at 800 Hospital Drive in Crestview.

CHAMBER AMBASSADORSThe Ambassador Committee sponsors a luncheon at a different Chamber

member restaurant each month (this is a pay your own way event). What a great opportunity to show support to a fellow Chamber member and network your business or organization interests at the same time!

Next month’s luncheon will be held at Casbah Coffee Company, date to be determined. If you would like to be added to the email notification list for this monthly event, contact Anne Shaffield at (850) 689-7823, ext. 209, or email [email protected].


7 Bachelor’sDegree Programs

Among the LowestCollege Tuition in FL

Associate Degrees& Career Certificates

Collegiate High School

Continuing Education

eCampus/Distance Learning

Financial Aid Available

GED/Adult Education

Mattie Kelly Arts Center

Raider Athletics

ROTC

VetSuccesson Campus Center

NWF State College prohibits any form of discrimination on the basis of age, color, ethnicity, disability, marital status, national origin, race, religion, genetic information or gender in any of its programs, services, or activities. Beach photo by Mari Darr-Welch

Dr. Patrice Williams850-200-4142

[email protected]

For more information contact:

NWF State College805 E. James Lee Blvd.

Crestview, FL 32539

R�� L . F. S �� E�� C�� www.nwfsc.edu • (850) 678-5111

NWF Sikes Center – Brief History • Named for the late U.S. Congressman Robert L. F. Sikes.• Dedicated as the Robert L. F. Sikes Public Library in 1976.• Began serving as a site for Okaloosa-Walton Community College classes in 1982.• Purchased by NWF State College (formerly Okaloosa-Walton Community College)

from the City of Crestview on October 18, 1994.• Dedicated as a branch center of Northwest Florida State College on November 9, 1995.

NWF Sikes Center – Current Information• Houses ten traditional classrooms, two computer labs, one testing lab, faculty & staff

offices, and a student lounge.• Houses a collection of Robert L. F. Sikes memorabilia.• Offers approximately 45 general education courses each semester.• Offers GED & ESOL classes each semester.• Serves approximately 1,200 students annually.

College Highlights• Aspen Institute College Excellence Program – Top 10% of community colleges in the U.S.• Raider Men’s Basketball 2015 NJCAA Division I National Champions• Raider Baseball 2015 NJCAA Division I World Series National Champions• Purple Heart College – first in Florida, designated by Military Order of the Purple Heart• Military Friendly School – eight years consecutively, designated by Victory Media

NWF Sikes Center – Brief HistoryNWF Sikes Center – Brief History


9TH ANNUAL

COMMUNITY HEALTH FAIRSaturday, October 10th

8:00am-12:30pm

Crestview Community Center

Be looking for Sponsorship opportunities

and vendor information soon!

Brought to you by the

Crestview Area Chamber of Commerce

Health and Wellness Committee

crestviewchamber.com | 850.682.3212


1. Bank draft

2. E-check

3. Credit card payment

4. Kiosks

5. Prepaid electricity

6. Paperless billing

7. Average billing

Visit chelco.com or call (850) 892-2111 to find out more.

PAYMyWAYPick the best way to pay!

3538796

Horses have been helping humans accomplish various goals for hundreds of years. Before the communication age, they were a vital element that kept humans connected with one other. They carried us on their backs across uncharted territories, helped us to communicate with each other over long distances, and served as the muscle behind every farmer. The quiet strength of the horse has been there for humans throughout history. Even in today’s technologically crazed society, that fact remains the same!

Just what is Equine Assisted Therapy?Equine Assisted Therapy uses horses to assist in a person’s self-improvement

goals or as part of a treatment plan for those with physical, mental, or behavioral disorders. Equine Assisted Therapy results continuously show positive results in the treatment of P.T.S.D. Autism, Anxiety, Depression, and self-esteem concerns. There are two types of Equine Assisted Therapy; activities on the ground with the horses or therapeutic riding on their backs. Neither of which require previous equine experience by the client. All client sessions with the horses are facilitated by trained professionals and healthcare providers who specialize in Equine Assisted Therapy practices.

What makes horses so ideal for helping humans therapeutically?

As a prey animal, horses possess an innate sense of awareness for their surroundings at all times. Therefore, they cannot be concerned or obsessed with the past or the future. They must live in the “now” for their survival. Humans, on the other hand, are constantly concerned or obsessed with our pasts and/or futures that we forget how to live in the moment. Conditions such as depression rely on memories of past events. While anxiety swirls in the possibilities future events that may or may not ever happen. Horses do not know neither of these things. Therefore, when humans interact with horses, we have no other choice but to ground ourselves back into the “now” part of life. Maybe it is due in part to their size and strength or maybe it’s due to the calmness that comes from their eyes. Either way, the human connection with them is inevitable. Horses do not care who

you think you are, what you think other humans think of you, they only know who you really are. That simple reminder creates the largest impact on anyone who interacts with them. “Horses are the greatest judges of human intent.”- Mark Lytle, EAGALA.

To learn more about Equine Assisted Therapy Practices or Locate A Facility, visit www.EAGALA.org, the Equine Assisted Growth and Learning Association (non-riding therapy) or visit www.pathintl.org, PATH International, for more information on therapeutic riding.

Winston Churchill said it best, “There is something about the outside of a horse that is good for the inside of a man.”

Narissa JenkinsExecutive Director, EAGALA Certified Equine SpecialistHealing Hoof Stepswww.HealingHoofSteps.org

Just What Is Equine Assisted Therapy?MEMBER ARTICLE Healing Hoof Steps

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Prevent Falls With Exercise!MEMBER ARTICLE Crestview Strengthworks LLC

According to a study conducted by the Institute of Gerontology and Center for Successful Aging at California State University (Fullerton), injuries associated with falls among the older adult population account for annual medical costs of $19 Billion in the United States. Slipping, tripping, stumbling, and loss of balance cause 83% of fall-related incidents. Furthermore, roughly 75% of falls occur either inside the home or within close proximity, such as in the driveway, sidewalk, or in the yard. Fortunately, up to 42% of falls can be prevented by an exercise program focused on building strength, balance, and mobility in movements and muscles needed to accomplish activities of daily life.

Although walking is a popular exercise regimen among older adults and provides many health benefits, a meta-analysis accomplished by the University of Sydney of 54 independent studies revealed that walking does not reduce the risk of falling. This finding should not be interpreted as a suggestion to seniors to stop walking! Rather, older adults should include multi-dimensional training to their exercise schedule at least twice per week

in order to significantly reduce the risk of falling. Multi-dimensional training involves standing posture, balance, single-leg balance, maintaining and changing direction of travel (stability and gait), and progressive resistance. Group exercise classes popular with seniors that can help improve balance and gait are Tai Chi, yoga, and dance-based aerobics.

Ideally, exercise movements in an exercise program designed to reduce risk of falls should also mimic activities of daily living by incorporating squats, lunges, pushing, pulling, and torso rotation with resistance. Dumbbells are inexpensive, effective, and efficient when used regularly in a strength training program. For beginners, canned food and water bottles also provide resistance and a challenge to improve posture, strength, balance, stability, and gait. Our muscles don’t care about the tool, they are concerned only with a resistance to apply force against. And, DID YOU KNOW that the average height of a bathtub wall and a toilet seat is 16 inches? Try to include movements requiring a person to lift one foot (don’t hurry, work up to it!) with balance,

and squat and rise to standing with control, to boost ability to live independently!

As always, safety is of paramount importance with all fitness activities. An exercise session with folks of any age who may have an increased risk of falling should always, always, ALWAYS include a sturdy chair on a non-slip surface available for each participant to assist with balance when standing and provide a platform for various strength training movements, to include taking a breather should the person feel a need to sit. Knowing one’s own limits and taking proper precautions to prevent injury ultimately increases our fitness level and quality of life. Exercisers of all ages and ability can benefit with the inclusion of fall prevention movements in their fitness programs to get stronger and live better!

J.T. BossOwner and OperatorCrestview Strengthworks LLC

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