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SEASIDE NEIGHBORHOOD SCHOOL™ is proud to announce that two of its students, Jillian Pereira (8th grade) and Emerson Blue (7th grade), won first place in the Florida Debate Initiative’s Veterans Day Speech Contest. Chloe O’Donoghue (8th grade) also placed second in her division. The contest invited students from across Florida to submit speeches on “The Importance of Civic Duty,” offering young citizens the opportunity to reflect on civic responsibility and share their unique perspectives through speechwriting.

Abraham Lopez, President of the Florida Debate Initiative, traveled to SEASIDE NEIGHBORHOOD SCHOOL™ to surprise the winners and present the awards during a special assembly on Thursday, December 19. Both Jillian and Emerson took home a $100 cash prize and Chloe took home a $75 cash prize while also earning recognition for their thoughtful speeches, which were judged on both written and oral delivery. Daisy Uhlfelder was also recognized for placing in the top ten in the 8th Grade division.

“We are incredibly proud of Jillian, Emerson, Chloe, and Daisy for this outstanding achievement,” said Kim Mixson, Principal of SEASIDE NEIGHBORHOOD SCHOOL™. “Their success highlights the importance of giving students opportunities to explore meaningful topics, develop public speaking skills, and embrace civic responsibility. They are shining examples of the leaders of tomorrow.”

The contest required students to write and deliver a speech between 4 and 6 minutes, accompanied by an audio file showcasing their delivery skills. Competing at the state level, Jillian, Emerson, Chloe, and Daisy’s work stood out for its depth, clarity, and passion.

“This is an incredible accomplishment for our students,” shared Leslie Kilpatrick, Speech and Debate Coach at SEASIDE NEIGHBORHOOD SCHOOL™. “Our students embraced the challenge with dedication and creativity. Their ability to articulate the importance of civic duty was truly inspiring.”

The Florida Debate Initiative (FDI) is dedicated to empowering Florida’s students with the transformative skills of communication, leadership, and critical thinking through competitive debate and civics education. Abraham Lopez, President of FDI emphasized the importance of the contest, “This event bridges generations, honors our veterans, and empowers students to lead with purpose. It’s a testament to how speech and debate can inspire young people to serve their communities with dedication and pride.”

The SEASIDE NEIGHBORHOOD SCHOOL™ community celebrates this exciting achievement and remains committed to offering programs, like speech and debate, that prepare students to succeed as engaged citizens and future leaders. To learn more about the SEASIDE SCHOOL™ and its programming, visit SeasideSchools.net. Lottery applications for the 2025-2026 school year open on January 8, 2025.

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Dog-Harmony opens registration today for one of their signature events, the Fifth Annual “Hops for Hounds” dog walk and after party on February 23 from 1-3 p.m. at Props Brewery in Hammock Bay, Freeport. This tail-wagging event promises fur-raising fun for pups and their humans alike!

The day will start with a picturesque, short stroll followed by a lively after-party at Props Brewery, complete with craft beer (for thirsty humans 21 and older), live music, vendors, food trucks and more. Rescue Animal Photography will also be on hand to capture the magical moments.

Tickets are $35 per entry (includes one human and one fur friend), an adult-sized t-shirt, and a digital photo of participants with their pets. Each human walker will also receive a complimentary craft beer from Props Brewery – Must be 21 years old or over to partake. To register, visit https://dog-harmony.org/hops-for-hounds-2025/. (All dogs must be current on rabies vaccinations and at least 6 months old. No prong, shock, or choke collars will be permitted.)

“I am so grateful to Props Brewery, Hammock Bay for giving this amazing event a home,” says Nancy Brown, Founder of Dog-Harmony. “Proceeds from this event are crucial to the continued success of our programs for local pups and their families.”

Event sponsorships are also available, offering businesses a unique opportunity to engage with a targeted audience while supporting a worthy cause and enjoying a fun, memorable experience. For details on sponsorship levels and pricing, please contact hello@dog-harmony.org.

All proceeds from Hops for Hounds sponsorships and ticket sales will go to Dog-Harmony and their efforts to support the pups and programs in the community.

For More Information:
Ali Weil December 30, 2024
334.328.1568
WeilHouse Creative
ali@weilhousecreative.com

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By Randy Locklier

President at Gulf Financial

• The S&P 500 Index returned +6.0% but underperformed the Russell 2000 Index’s +11.1% return. All eleven S&P 500 sectors traded higher, with Consumer Discretionary and Financials gaining more than +10%. In contrast, defensive sectors, such as Health Care, Utilities, and Consumer Staples, underperformed the S&P 500.
• Corporate investment-grade bonds produced a +1.8% total return as Treasury yields declined, marginally outperforming corporate high-yield’s +1.6% total return.
• International stocks traded lower for a second consecutive month. The MSCI EAFE developed market stock index returned -0.3%, while the MSCI Emerging Market Index returned -2.7%.

Markets Set New All-Time Highs in November’s Post-Election Rally

The U.S. presidential election results fueled November’s stock market rally, as investors focused on the incoming administration’s policy agenda and its implications. The S&P 500 gained +6.0%, its biggest monthly return since November 2023. The index traded above the key 6,000 level and set a new all-time high. Smaller companies took center stage during the broad market rally, with the Russell 2000 surging +11.1% to set a record high. In the bond market, Treasury yields rose after the election due to concerns about increased fiscal spending, tax cuts, and large fiscal deficits under the next administration. However, later in the month, yields reversed lower, and bonds posted positive returns. With Republicans taking control of the White House, Senate, and House in January, the following section discusses key policy areas to watch, along with the potential market and economic impacts. Markets drew back sharply in late December due to The Federal Reserve’s hint of a SLOW reduction of the prime interest rate.

Key Policies to Watch in the Next Administration: Investors are monitoring two key areas: tax policy and trade. The administration is expected to focus on extending the tax cuts passed during President Trump’s first term. This could stimulate economic growth and boost corporate profits, although it could widen the fiscal deficit. On trade, the administration plans to use tariffs to advance U.S. interests in international affairs and renegotiate trade deals. However, in the near term, tariffs could disrupt supply chains, slow economic growth, and squeeze profit margins. Other critical policies include immigration and deregulation. There are concerns that tariffs, stricter immigration policies, and expansionary fiscal policy could combine to keep inflation high. If so, the Federal Reserve might need to keep interest rates higher for longer. Elsewhere, there is an expectation that deregulation could create new growth opportunities in the financial and energy sectors, while relaxed antitrust enforcement could lead to more mergers and acquisitions. Economic growth and corporate earnings will remain important long-term drivers, but in the short term, markets may be sensitive to shifting policy headlines as the new administration takes office. The question is: How does this economy affect retirees here in the Florida Panhandle?

As always, there are lots of factors to consider when we are investing for folks entering or already in retirement. No matter who is in the White House or the current state of the economy, we generally want to REDUCE RISK, CREATE INCOME, and CREATE TAX EFFICIENCY. That’s what we call the BIG THREE of retirement planning. If we can successfully navigate these challenges our retirement years will be years of peace and joy.

Don’t be fooled by the hysteria in the market and the skyrocketing returns of big tech companies. Retirement is not a time for speculation. Trust a steady hand at the wheel to guide you to safe harbor. Call Rhonda at (833) 403-4041to book your Free Consultation or visit Gulffinancialgroup.com for more details.

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By Kathleen Edge, Publicity Chair 

This month kicks off a busy second half of Green Thumb Garden Club member meetings, January through May 2025.

An important tenet of GTGC’s mission is environmental awareness.  In support of this focus, Choctawhatchee Basin Alliance will provide members and guests with an update on their activities in the immediate and surrounding area including the state of the Bay.  The meeting, with lunch included, is on January 15, 2025, at the Westwinds Conference Center, 4700 Westwinds Drive, Miramar Beach, Florida, 32550.  Check in begins at 9:30 a.m.  Cost is $30 per person.

GTGC will celebrate Arbor Day on January 17, 2025, by honoring Walton County founders and veterans with the planting of two trees at Historic Gulf Cemetery, 1466 South County 393, Santa Rosa Beach, Florida.  Local resident, Four-Star General Phillip Breedlove (retired), will lead the dedication ceremony beginning at 10 a.m.

February’s meeting will have participants flying high and landing in their own gardens.  Ron Houser from the Audubon Society of Bay County will educate us on “How to attract birds to your yard with native plants”.  Check in is 9:30 a.m. at Westwinds Conference Center.

The March meeting brings in a past GTGC Mercer Scholarship recipient, Casey McClain, to show participants how to achieve the best results from container herb gardening.

April and May meeting details are near completion and will be announced at the January 2025 meeting.

Green Thumb Garden concluded a very successful 2024 calendar year by awarding $4,000 for three Mercer scholarships and over $12,000 in donations to non-profit organizations in Walton County.  Donations included 4H Camp Timpoochee, E.O Wilson Naturalists Outdoors Camp, WCSO Santa Patrol, a Habitat Family from DeFuniak Springs, Caring & Sharing of South Walton, and other organizations.

Fundraising and donations will continue in 2025.  Please visit the Green Thumb Garden Club website to learn about our charitable mission, how to join and details on meetings, activities, and events. The website address is greenthumbgardenclubinc.org or send an email to greenthumbgardenclubinc@gmail.com.

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Benefiting Breast Cancer Patients Along the Emerald Coast 

Fore Her local nonprofit organization invites the community to “lace up” for the annual “Pink Run,” a 5K, Walk and Survivor Stroll on Saturday, February 8th, 8:30am at the Village at Baytowne Wharf in Miramar Beach. The Pink Run is one of Fore Her’s signature fundraisers, directly benefiting breast cancer survivors along the Emerald Coast in financial need while undergoing treatment.

This lively and memorable event includes a timed 5k Race, Walk, Survivor Stroll and After Party, complete with DJ, photo booth, a sampling of delectable bites, prizes and more! All participants are encouraged to “pink-out” while racing or walking with family and friends for this tremendous cause.

Early-Bird Registration for the 5K is $50 until January 15 and includes a free race t-shirt with the first 200 participants receiving a free race medal! (Registration is $60 after January 15.) Also, Fore Her offers a discounted rate of $45 for breast cancer survivors and the Survivors’ Stroll is free of charge. Visit https://PinkRunBenefitingForeHer.itsyourrace.com to register.

“If you have ever witnessed a loved one affected by cancer, you know that the hardships can reach far beyond battling the disease itself as these women often have the added financial burden of bills and expenses not covered by insurance at an already taxing time in their lives,” says Ginny Richerson, Fore Her Patient Liaison. “Participants who join the Pink Run will be walking and running to raise these essential funds that can help pay for bills like utilities, rent and other living expenses.”

Packet pick-up will be at the Village of Baytowne Wharf concert stage on Friday, February 7 starting at 5 p.m., and on the day of registration from 7-8 a.m. The 5k will start on Saturday, February 8 at 8:30 a.m.

“We are overwhelmed with gratitude to those in the community who have shown up and helped grow this event over the past three years,” says Amy Walsh, Fore Her Founder. What an impact the Pink Run has made in so many lives and will continue to do so as we grow in strides each year!”

Sponsorships are now available for this high-profile event, with numerous opportunities for local businesses and services to have maximum exposure and reach. For more information and available sponsorship opportunities, visit foreher.org/pinkrun or email  ali@weilhousecreative.com.

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About Fore Her: Founded by Amy Walsh after her mother and aunt lost their battle with breast cancer, Fore Her was initially conceived as an annual golf benefit to assist local women battling breast cancer with the financial burden of the disease, but as the need grew, the nonprofit expanded to host three annual events to raise funds to continue to support those affected in Northwest Florida. Funds raised are used to provide temporary assistance with bills such as mortgage or rent payments, utilities, or helping pay for auto repairs so patients can get to treatments. Fore Her offers resources, hope, compassion, and education for all who are affected by breast cancer. To find additional information about volunteering, available resources, and how you can help, visit www.ForeHer.org.

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Start your new year with a practice that will transform your life—reading the Gospel of Luke and experiencing the life of Christ daily. Read with a companion book as Every Day Jesus presents the real Jesus–who He is, what He does, and what He teaches.

This 40-Day devotional/Bible study invites you to join Luke as he unveils the pathway to knowing the living Christ daily. Empty of theological and denominational dogma, the book simply shows how to follow Jesus.

Follow Luke around as he uncovers more of the life of Jesus each day. Walk with Jesus as your friend, not just a distant deity. The book ushers you into the Lord’s inner circle of disciples.

Luke is the only Gentile author of a Bible book. We in the Western World are descendants of Greco-Roman culture. Luke wrote for us because he has the same mindset. Luke is like us. It is the most culturally relevant gospel for us who live in the Western world.

Luke speaks to believers’ discipleship needs by simply showing Christ’s life and lessons. The average reader can finish a daily devotion in less than fifteen minutes.

Every Day Jesus explains Luke Chapters 1-5 paragraph by paragraph–experience by experience. The second book, Extraordinary Jesus, picks up the next phase of Christ’s ministry in Luke 5b-9 and makes up book 2 in The Daily Jesus Series.

Absorb the scriptures daily, walk with Jesus through the stories and illustrations provided, and respond by praying according to that day’s reading. You will experience Jesus by following Him on the roads of Palestine and responding to the events of His life. This practice is the essence of Christianity and the fuel that will cause you to burn with pure passion. Come walk with Jesus Every Day through the pages of Every Day Jesus by local author, Dave Holland.

Dave Holland pastored churches for thirty-eight years before retiring in Destin, Florida. You can get a copy of this book from his website, DaveHolland.org, or at Amazon.com. Pastor Dave is available to preach and teach at churches and conferences. Contact him at DavidvHolland54@gmail.com.

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Emerald Beach Rentals, a distinguished property management firm, was founded five years ago by Roger Rietsema. Rietsema, with an impressive 25-year background in real estate sales in the Panhandle region, teamed up with Christina Nastasi, a skilled entrepreneur known for founding a top-rated cleaning business and excelling in real estate investments. Their collaboration aimed to transform the property management landscape in the Florida market, blending Reitsma’s extensive sales expertise with Nastasi’s successful business acumen.

In 1996, Nastasi relocated to Panama City Beach with her spouse, a dedicated 30-year Navy Veteran. Fate brought Ritsema and Nastasi together when they both settled in the same neighborhood during the early 2000s. Through the years, this relationship has developed into a harmonious professional partnership built on mutual respect and admiration for each other’s capabilities.

Their extensive knowledge in the real estate market, specifically focusing on homeownership in 30A and Panama City Beach, has significantly elevated the standard of rental experiences for clients. Nastasi’s foray into the realm of long-term rental services in Florida began thirty years ago, marking the inception of a journey filled with growth and innovation. Initially starting with short-term rental properties alongside Rietsema, Nastasi identified obstacles in dealing with conventional property managers, leading to the establishment of Emerald Beach Rentals.

Emerald Beach Rentals has rapidly achieved super host status across various platforms, positioning itself in the top 20% of earners on Vrbo. The company distinguishes itself by managing properties in-house and leveraging dedicated cleaning and maintenance teams to ensure high service quality. Furthermore, all linens undergo meticulous laundering on-site to uphold impeccable standards for guests.

Our operations are supported by top-tier reservation software and effective communication tools, streamlining the guest experience from online booking through stay. Positive reviews from satisfied guests not only elevate the property’s appeal but also reflect our commitment to excellence. Office Manager Andrea Amberger ensures a personalized guest experience.

Rietsema and Nastasi have established a strong presence in the short-term rental market, leveraging their combined expertise to optimize operations. Additionally, they have strategically expanded into the long-term rental sector, drawing upon their extensive individual experience in the field. Nastasi, in particular, boasts a solid track record of managing long-term investments for over three decades and is keen on further diversifying their portfolio by acquiring additional properties.

When you choose Emerald Beach Rentals, you are not just choosing a management company; you are gaining a reliable partner who will work tirelessly to ensure the success of your investment. Let them take care of the hard work so you can relax and enjoy the rewards of owning a property in Panama City Beach or 30A.

Contact Emerald Beach Rentals by phone (850) 708-4466, email Info@EmeraldBeach.Rentals or visit their website at  WWW.EmeraldBeach.Rentals.

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Chair Yoga Classes at the Blake in Miramar Beach– Tuesdays, January 7, 21 and February 4 at 9:45 a.m. at the Blake, 90 Ponce De Leon St. in Miramar Beach.  RSVP at (850) 650-5000 to register.

Monthly Meeting – Friday, January 17 from 11 a.m. – 1 p.m.  Moe Stouse, head of the Investment Division for The First Bank/The First Wealth Management, will speak about estate planning for seniors.  He has more than 39 years of wealth management and financial services experience. Prior to coming to The First Wealth Management, he spent three years in the Destin office of Raymond James as a financial advisor, and prior to that, had a 28-year career at Fidelity Investments. R.S.V.P. by calling (850) 280-5342 or email: coastalseniorsofsouthwalton@gmail.com.

Exercise Classes – Angela Gibson will lead classes on Tuesdays, January 7, 14, 21, 28 and February 4 at 10 a.m. and on Thursdays, January 9, 16, 23, 30 February 6 at 10 a.m., at 70 Logan Lane in Grayton Beach.  Cost is $5 per session for CSSW members and $10 for non-members.  Space is limited, please call (850) 280-5342 or email: coastalseniorsofsouthwalton@gmail.com for more information.

Art Classes  – Watercolor Painting Class – Karen Peterson will teach classes on Fridays, January 3, 10, 24, 31 and February 7 from 8:45 a.m. – Noon. Classes held at 70 Logan Lane in Grayton Beach.  Cost is $15 for CSSW members and $30 for non-members. Space is limited so call (850) 280-5342 to reserve your spot, or email: coastalseniorsofsouthwalton@gmail.com.  All supplies are included.

Pickleball  – Beginner Pickleball 101 at Walton Sports Complex courts on a date to be determined.  Registration required.  Register at www.waltonrec.com. Open to Walton County residents only. Email Sandy Gulak at sowalpickleball@gmail.com for more info and with questions.  Also join us at the Boys and Girls Club on Tuesdays, Wednesdays, and Thursdays from 9:30 a.m. – 12:30 p.m. beginning January 14. Cost is $5 per day and an initial $35 waiver fee.  Please join the SoWal 30A Pickleball Association on Facebook for more information and weekly updates and check the CSSW calendar at www.coastalseniorsofsouthwalton.org.

Seniors 50 years of age and up residing in or visiting Walton County are invited to join CSSW. Membership is $30 for individuals, $40 for family, and $75 for businesses (your business will be listed on our home webpage and our Facebook page). You can become a member via email at coastalseniorsofsouthwalton@gmail.com, or on the website at www.coastalseniorsofsouthwalton.org. Also, follow us on Facebook at Coastal Seniors of South Walton.  Coastal Seniors of South Walton, Inc. is a non-profit 501© (3) organization for active adults and we are looking for dedicated, enthusiastic persons to join our Board of Directors. Media Contact:  Jim Wilson, Director, Coastal Seniors of South Walton, Inc.   T: 404-432-6037   Email: jim_wilson@bellsouth.net

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