Gulf Coast Woman August 2022

OMAN

COMPLIMENTARY

GULF COAST

Self-made women

V icki

ROSETTI-APPLEWHITE

knows her worth — and wants other women to know theirs, too

AUGUST 2022

What you need to do now for RETIREMENT Why you're LOSING YOUR HAIR

Dr. Michael J. Christie Dr. Aimee R. Watts Center for OB/GYN

BOARD CERTIFIED OB/GYNS

Michael J. Christie M.D., F.A.C.O.G.

35 YEARS COMBINED EXPERIENCE

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OCEAN SPRINGS

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2

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August 2022

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CONTRIBUTING PHOTOGRAPHERS Brandi Stage Portraiture

GRAPHIC DESIGNER Farrah Underwood

FOUNDER

Dr. Angela Bruni

OMAN GULF COAST

COMPLIMENTARY

PUBLISHER & EDITOR Dorothy P. Wilson

DIRECTOR OF BUSINESS DEVELOPMENT Sherry Moxley Seaman

Self-made women

AUGUST 2022

What you need to do now for RETIREMENT Why you're LOSING YOUR HAIR

V icki

MARKETNG DIRECTOR

ROSETTI-APPLEWHITE

knows her worth – and wants other women to know theirs, too

Crystal Scretching

ON THE COVER Photographer: Brandi Stage Portraiture Hair and makeup: Mandy Makeup Artistry Wardrobe: Grant’s for Her Vehicle: Mercedes-Benz of South Mississippi

COVER SUBJECT

Vicki Rosetti-Applewhite

CONTRIBUTING EDITOR/WRITER Jennifer Gentile

CONTACT US

CONTRIBUTING WRITERS Jasmine Ball Maria Barr Carla Biasi Karol Brandt Ariel Chamberlain Tracy Daniel-Hardy Chris Dearman Elise Deano Kelsie Dove Janera Harvey

Brittney M. Johnson Robin Killeen Dr. Philip L. Levin LaShaundra McCarty Jennifer Miller Dr. Hamza Minhas Joy Monnerjahn Alisha Johnson Perry Kathy Rogers Susie Siemiontkowski

Sherry Strother Dr. Keith Thompson Bridget Turan Darlene Underwood Kathy Brown van Zutphen Mallarie Wiese Angelyn Treutel Zeringue

38 Pass Road, Suite A, Gulfport, MS 39507 (228) 539-2422 CustomerService@gulfcoastwomanmagazine.com © 2022 Gulf Coast Woman is published 12 times per year and is available free of charge. We encourage your comments, suggestions and submissions, however, we unsolicited documents or manuscripts.

All material is copyrighted and may not be reproduced in any manner without the written permission of the publisher.

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August 2022

COMPASSIONATE

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THIS EDITION 6

August 2022

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Destiny’s Elite Girls Scholarship Finalists

Attendees refreshed minds, bodies and spirits during the recent My Journey Weekend Getaway at Centennial Plaza in Gulfport.

The hippest joint in town.

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Always by your side. Every step of the way.

Cutting edge treatments and clinical trials.

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August 2022

Home

At The Medical Oncology Group, we are proud to provide comprehensive, leading-edge care for patients in our community with cancer and blood disorders. As the longest running oncology group on the Mississippi Gulf Coast, we are dedicated to our friends, families, and neighbors. We offer four convenient clinic locations in South Mississippi, allowing you to receive top quality care close to home.

228.575.1234 TheMedicalOncologyGroup.com Accepting new patients at all locations: Diamondhead, Gulfport, Biloxi, Ocean Springs

The Most Exceptional Care Out There — Starts Here.

At Memorial Health System, we are dedicated to keeping you healthier longer by providing exceptional patient care for a life well-lived. That’s why some of South Mississippi’s leading providers can be found right here, in your neighborhood, across countless specialties. From an award-winning Cancer Center to the only Level II Trauma Center in Harrison and Hancock county — every day, we are transforming lives.

To find out more about our Exceptional Care that Transforms visit our new website WeAreMemorial.com.

HEALTH SYSTEM

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9

SAVE THE

date!

Here’s what’s happening on the Coast this month Music of the Night — The Songs of Andrew Lloyd Webber Through Aug. 7 Center Stage Biloxi As the most successful musical theatre composer of all time, Andrew Lloyd Webber will be celebrated with the Coast’s favorite performers, including Karen Abernathy, David Delk, Chet Landry, Kate Sawyer, Rick Sawyer, Haley Sliker and Wayne Stephens (others to be announced). Webber’s most iconic music, including selections from “Phantom of the Opera,” “Evita,” “Cats,” “Jesus Christ Superstar,” “Sunset Boulevard” and more will be featured.

Coast Young Professionals members.

Due to limited spacing, pre-registration and payment are required. Register at mscoastchamber.chambermaster.com/ eventregistration/register/30247.

Second Saturday Artwalk Aug. 13 4-8 p.m.

Downtown Bay St. Louis Visitors can venture into Old Town to enjoy gallery openings, shop and restaurant specials, live music and more during this monthly, family-friendly event.

While things are lively all day, the music and specials take place from 4-6 p.m.

Lighthouse BPW Woman of Achievement Aug. 17 5:30-8:30 p.m.

Hollywood Casino, Bay St. Louis

Woman of Achievement is Lighthouse Business and Professional Women’s annual awards ceremony to honor female leaders who excel in multiple categories.

Each category has finalists, as well as a winner. The prestigious award of Woman of the Year goes to the woman who stands out from the rest. Visit www. lighthousebpw.com to purchase tickets and learn more.

Mississippi Gulf Coast Chamber of Commerce’s State of the County Address Aug. 9 8-9 a.m.

Doors open at 7:30 a.m.; to learn more, contact Alexis Higgins, programing director, at alexis@mscoastchamber.com.

CYP Cultivate: “In Their Shoes” with Back Bay Mission Aug. 11 9-11:30 a.m.

Cultivate is a seminar and “handson” experience that focuses on the economic drivers affecting the Coast.

In Their Shoes is a program focused on educating about community service opportunities, specifically those centered around the homeless population and low-income families. In Their Shoes will be followed by a Lunch Bunch from 11:30 a.m. to 1 p.m. for further discussion and networking opportunities. The cost is $15 for potential members and $10 for

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August 2022

Gulfport Chamber of Commerce’s Legislative Luncheon with Senator Roger Wicker Aug. 16 Noon Gulf Coast Community College’s Hospitality and Resort Management Center U.S. Senator Roger Wicker will provide an update from Capitol Hill on federal legislation impacting Coastal Mississippi, the state and the nation. Admission is $40 for Chamber members and $50 for general admission. Register and purchase your ticket at https://mscoastchamber. com.

2022 Annual Awards Gala Salute to Business and Industry in Hancock County Aug. 25 5:30-8:30 p.m.

Reception starts at 5:30 p.m., a buffetstyle dinner and show will follow at 6:30 p.m. A silent auction will be held benefiting the Hancock County Community Development Foundation.

The event will be an opportunity to recognize outstanding citizens, businesses of the year and winners of The Industrial Award of Excellence and The Community Award of Excellence.

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ENROLL TODAY! SCAN THE QR CODE FOR MORE INFORMATION ABOUT WeLDING TECHNOLOGY AT MGCCC

SPARK YOUR CAREER this fall at mississippi gulf coast community college.

WELDING TECHNOLOGY Classes begin August 18.

Go Big. Go Gulf Coast.

MGCCC ANSWER CENTER: 228-896-2536 • QUESTIONS@MGCCC.EDU 12

August 2022

@mgcccfuturebulldogs on Facebook!

CREDIT & NONCREDIT Welding programs at Mississippi Gulf Coast Community College For students interested in a career in welding, Mississippi Gulf Coast Community College offers credit and noncredit welding programs at the Jackson County Campus in Gautier, the Perkinston Campus, the George County Center in Lucedale, the West Harrison County Center in Long Beach, and the Advanced Manufacturing and Technology Center in Gulfport.

The credit program allows students to complete a two-year associate degree program in Welding Technology. The curriculum is designed to prepare the student for entry-level employment in the field of welding and cutting, but electives are available in advanced levels of both. Plus, students can choose a level to complete or stack credentials. Students may gain a welding certificate in two semesters, a welding diploma in three semesters, or complete an Associate of Applied Science degree in four semesters and are eligible to test for the AWS D1.1 Certification.

“Students in the credit Welding Technology program can gain advanced skills that will lead to higher-paying jobs and quicker advancement,” said Dr. Jordan Sanderson, Associate Vice President of Teaching and Learning. “It does take more time as the noncredit program lasts about a semester, but the credit program will set them up for a great start to their career. Plus, universities accept these credits and students have even more expanded opportunities for careers in the field.”

MGCCC also offers 15-week noncredit welding workforce training classes for structural welding, pipe welding, and shipfitting that are preparatory for employment upon completion. While an associate of applied science is not applicable with this program, the training provides an opportunity for someone

to more quickly enter employment inro the field. Students who complete structural welding training are also eligible to test for AWS D1.1 Certification.

“Noncredit welding offers students an opportunity to gain needed skills and move into the workforce quickly,” said Dr. Erin Riggins, Associate Vice President of Workforce Solutions. “They can refine and advance skills once they are on the job or return for advanced training here at the college. This training also helps incumbent workers to retain or advance in their current jobs through upskilling.”

“Non-credit welding offers students an opportunity to gain needed skills and move into the workforce quickly,” said Dr. Erin Riggins, Associate Vice President of Workforce Solutions. “They can learn more advanced skills once they are on the job. It also helps incumbent workers to keep their current jobs through upskilling.”

Welding is an in-demand career along the Gulf Coast, but that is especially true right now with so many shipyards searching for welders to complete the government contracts they have underway.

“We have excellent partnerships with local industry, and they are definitely looking for trained welders,” said Riggins. “This is an outstanding opportunity for individuals to get first-time or advanced training in a career with great pay and excellent potential for advancement.”

For more information on MGCCC’s noncredit welding program, visit mgccc.edu/weldingworkforce-training, email workforce@mgccc.edu, or call (228) 897-4360.

For information on the credit welding program, visit mgccc.edu/weldingtechnology, email questions@mgccc.edu, or call (228) 896-2536.

“This is an outstanding opportunity for individuals to get first-time or advanced training in a career with great pay and excellent potential for advancement.”

Dr. erin riggins

At left: John Patrick of Grand Bay, Alabama, is a student in the Welding Technology program at the Jackson County Campus in Gautier.

Welding Technology

noncredit welding workforce training

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Celebrating

Years!

• Private Duty Nursing

• ID/DD Waiver Provider

• Pediatric Nursing

• Elderly and Disabled Waiver Provider

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THE END OF ROE, AND WHAT IT MEANS

Wherever you stand on the U.S. Supreme Court’s overturning of Roe vs. Wade, there’s no question the ruling has implications for women in Mississippi and throughout the nation.

Here’s what you need to know about the decision and its impact.

MISSISSIPPI PLAYED A PROMINENT ROLE.

A 2018 Mississippi law, banning nearly all abortions in the state after 15 weeks, prompted a challenge from Jackson Women’s Health Organization that was heard and decided by the Supreme Court – ultimately overturning Roe vs. Wade.

ABORTION IS NOT BANNED NATIONWIDE.

The ruling in Dobbs v. Jackson Women’s Health Organization does not institute a blanket ban on abortion throughout the U.S. Rather, it leaves the matter to be decided by the individual states.

Legislation known as trigger laws, which prohibit abortion, were set to take effect immediately or within days of the Dobbs ruling in 13 states, including Mississippi.

MISSISSIPPI’S LAST REMAINING ABORTION CLINIC HAS SHUTTERED.

As of early July, Mississippi’s last abortion clinic is no longer in operation.

Jackson Women’s Health Organization, which was at the center of the historic case that overturned Roe, was unsuccessful in its bid to block the trigger law that went into effect with the Supreme Court’s decision.

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August 2022

MISSISSIPPI’S TRIGGER LAW BANS ABORTION, BUT WITH EXCEPTIONS.

The state’s trigger law, which was set to take effect 10 days after the SCOTUS ruling and has been certified by Attorney General Lynn Fitch, outlaws abortion — which is defined as “the use or prescription of any instrument, medicine, drug or any other substance or device to terminate the pregnancy of a woman known to be pregnant ….”

The law makes exceptions when the mother’s life is endangered and in cases of rape that have been reported to law enforcement.

Under the law, anyone who performs or attempts to perform an abortion in the state will face a felony charge punishable by one to 10 years in prison.

STATE AND LOCAL ELECTED OFFICIALS’ REACTION HAS BEEN MIXED.

Not surprisingly, the end of Roe has divided opinion among leaders at all levels of government. Here is what some officials had to say: “I am so very proud that Mississippi has had a leading role in overturning Roe v. Wade, and I will continue to pray for God’s guidance over the Supreme Court and all policymakers who will now take up the abortion issue across the country.”

- U.S. Sen. Cindy Hyde-Smith “The decision on when and whether to start or grow a family is both deeply personal and deeply informed by a person’s individual situation. We believe in the freedom of Mississippians, not the state, to make decisions about their families. We believe in the dignity of Mississippians controlling their bodies and their

futures. We believe caring for each other, and our community, is required. We will not stop fighting for a world that reflects those values.”

- Mississippi House Minority Leader Robert L. Johnson Ill and Senate Minority Leader Derrick Slmmons: “The Dobbs case gives the people back the opportunity to make policy decisions about abortion. It has been held up by unelected judges for nearly 50 years. Now, the people can fully debate and enact laws that reflect their will to both empower women and promote life. I am so proud that Mississippi led the way on this case. Just a week after the Supreme Court’s decision, our law protecting equal pay for equal work took effect, our $3.5-million new tax credit for pregnancy centers was up and running and new laws to help victims of human trafficking kicked in. Our state is showing how to defend the dignity of women, children and life itself.”

- Connie Rockco - District Five Supervisor, Harrison County “In the wake of the latest decisions by the Supreme Court, many of us are left asking what can be done to protect our most basic rights. We now must look to our legislative branch to protect the rights we cherish.”

- Mississippi Democratic Party Vice Chair Jodie Brown

228.822.9870 OFFICE www.owenandco.com 2208 18th Street, Suite B Gulfport, MS 39501

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Waterfront Home located in Bayou Oaks Subdivision 1.1 ac lot. Walkway to the Bayou, pier to the water with a boat dock. Surrounded by large, beautiful Oak trees. Vaulted ceilings in living room, Dining room with wet bar and wonderful views. Master suite with study also with water views. Detached dbl garage with attached workshop, covered patio for motor home or boat. Wrought iron and brick fencing to enclose the sides and back. Security system, covered patio and porch in front and rear.

Unfinished Framed Attic Space. Did not flood in Katrina. Walking distance to Bayou Bluff Tennis Club with pool.

Gorgeous views of the Gulf located on 2 parcels! 12’ ceilings, wood flooring, fireplace.

Open floor plan - Private Study & walk in Pantry off the Kitchen. This home has front & back balconies off the upstairs bedrooms & den. Master suite is huge w/ a view of the Gulf, walk-in his & her closets. Master bath has separate shower & soaking Tub. 3 Beds upstairs all with French Doors, that opens to the large back porch w/ views of the Gulf.

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Waterfront home Located in Bayou View area. 3 levels w/ an elevator. The living room has 22’ ceilings w/ a panoramic view overlooking the Bayou Bernard. Main Kitchen has every feature Chef could ask for. 2nd level has two bedrooms w/ their own private baths, with a water view and private balcony for each. Media room, study, 3rd level has open space for play room or additional bedroom. Outside has heated Pool and Jacuzzi, Grill outside on the patio. 3 Boat slips with deep water access.

Spectacular Waterfront Home W/ 5 Acres of land and Bayou Portage access. Large Live Oaks, Lilly Ponds, and small barn. Unique home with custom features, Elevator lift, Vaulted Ceilings, open floor plan. Entry w/ Onyx flooring, fireplace w/ Brazilian RR tie mantel, sky lights throughout, Brick & Slate flooring, exposed beams, custom cabinets, stainless appliances. Second floor has an open loft bedroom with bath, built in beds at two of the Windows and vaulted ceiling. Could be 3 bedrooms upstairs.

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Krista Goodhart Realtor 228.617.6417

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4 BED, 3.5 BATH | 3,860 SQFT | $960,000

Caroline Hebert Realtor 228.323.1603

2 BED, 2.5 BATH | 3,097 SQFT | $989,500

Jennifer Davi Realtor 228.224.5337

James Musgrove Chris Martin Amy Olsen www.gcwmultimedia.com Realtor Realtor Broker Associate 228.234.2001 601.467.7890 228.697.6609

Cathy Gill 17 Realtor 228.860.2645

Destined for success

A

weekend of renewal for the mind, body and spirit culminated in recognition for winners of the Destiny’s Elite Girls Scholarship Project.

Destiny’s Elite Girls is a nonprofit, student-run service organization that strives to connect community resources with community needs. Recently, finalists for a $1,000 scholarship were invited to the My Journey Weekend Getaway, held at Centennial Plaza in Gulfport.

“Although Destiny’s Elite Girls’ Foundation is a scholarship (program), it is also a developing mentoring group,” says founder Latrina Graves McCarty.

“Some girls and ladies connected over the weekend, and some already have partnered together. We want our next generation to have the opportunity to avoid some of the pitfalls the older generations have experienced simply by not being made aware of something better.”

Attendees were encouraged to relax, network, hear from inspirational guest speakers and participate in numerous activities. Scholarship finalists, including Madison Jefferson and Chanel Howard, were honored during the retreat — receiving numerous gifts and a $100 award.

DESTINY’S ELITE GIRLS SCHOLARSHIP FINALISTS HONORED AT WEEKEND GETAWAY

BY JENNIFER GENTILE

Alana Wilson, the winner of the $1,000 scholarship, was not in attendance. She is secretary of the Class of 2022 at Jefferson County High School and a member of the Student Government Association, ACT Club and Future Business Leaders of America, as well as a recent inductee to the National Honor Society.

“Once I accomplish my goal of becoming a registered nurse,” she states in her written bio, “I want to get married, buy a house and get a puppy.”

After being accepted to college as an 11th grader and remaining on the honor roll throughout her years at Pascagoula High School, finalist Jefferson has earned a spot on the Vice President’s List, was invited to join the Phi Theta Kappa honor society and was awarded the NASA STEM Excellence Award at Mississippi Gulf Coast Community College.

“My long-term goal is to open up my own engineering law firm while working as a mechanical engineer at Google,” she writes in her bio.

Howard, a senior at Pass Christian High School, plans to attend the University of Southern Mississippi this fall to major in chemistry. Then, she plans to become a

licensed dental hygienist.

Success is very important to Howard, who grew up in a single-parent home with three older sisters “I plan to continue to show my mom all the sacrifices she made to take care of me were worth it in the end,” she writes.

The scholarship project was established in honor of the founder’s late husband, LaRue F. McCarty, who was an educator, coach and youth advocate. As part of the selection process, the applicants were asked to write an essay discussing a time they persisted in the face of adversity.

“We were looking for heartfelt stories that would inspire readers to move forward regardless of situations that are beyond their control,” McCarty says. “The girls’ essays will be an anthology project, which is scheduled to be available in December.”

The Destiny’s Elite Girls Scholarship Project will be awarding a $500 prize to a 2022 high school graduate; the deadline to apply is Aug. 8. To learn more, visit https:// myjourneymydestiny.com/destinys-elitegirls, and to apply, visit https://form.jotform. com/220828744989171.

PERSISTING THROUGH ADVERSITY Here’s what the scholarship finalists had to say in their essays about conquering their greatest challenges: “I am still overcoming the fact that my father does not want to be in my life. I could have given up on having a normal, happy and successful life for myself a long time ago, but instead, I chose to persist. I chose to continue loving everyone. I chose to love my neighbor as myself. I chose to treat others the way I want to be treated. I chose to continue to make good grades. I chose to continue to live my life making my mom, my late grandmother and my other family members very proud of me.

I have accepted the fact that my father is probably not going to be at my graduation. Despite this, I am still optimistic and dream big. I believe that I will become a registered nurse, and I am working very hard to do so. I want to be successful in life.”

- Alana Wilson

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August 2022

“As an overachiever, I decided to complete the ACT test again, but my score was still not high enough.

So, I decided to complete the Accuplacer test, but my score was still not high enough to be placed in certain classes. All of this was done to prove to the advisors that I was worthy of being in (the Collegiate Academy) program.

Despite that, I made the decision to not give up on myself and chose to continue with pursuing this program. Throughout this journey, I lost my connection to the high school, which caused me to not feel included as a senior. However, this experience taught me to be more independent, to always persevere and to be secure with my decisions.

Now, I find myself graduating with honors from MGCCC and graduating from Pascagoula High School in the top 10 percent of my class. I achieved every one of my goals because I believed in myself and persevered through every obstacle.”

- Madison Jefferson

Reflecting on the fourwheeler accident that caused the death of fellow Boys and Girls Clubs member Donovan Necaise: “I’d be lying if I said this still doesn’t affect me negatively now. I still find myself experiencing death anxiety very often because everything was so sudden and so unexpected. Every time my best friend and I ride four-wheelers up and down the street, it’s nearly impossible for me not to think about how what happened to him could also happen to me.

I wasn’t able to ride them until about two years ago because I was so scared, but you can’t live in constant fear of the inevitable.

So now, I focus heavily on how I want to be remembered rather than getting lost in trying to figure out the only constant in life: death. His legacy reminds me how much a simple smile can do, how much remaining positive can affect a situation and, lastly, how remaining true to yourself can help you overcome any obstacles.”

- Chanel Howard

www.gcwmultimedia.com

19

success

COVER STORY

Faithful and focused Vicki Rosetti-Applewhite knows her worth and wants other women to know theirs, too

Photography by Brandi Stage Portraiture

BY JENNIFER GENTILE

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Rosetti-Applewhite is shown here at the Walter Anderson Museum of Art, where she sits on the board of trustees.

August 2022

V

icki Rosetti-Applewhite is constantly asking “why.”

She’s especially curious about what motivates people, what keeps them up at night and what problems they’re struggling to solve.

“I am a helper and a fixer,” says the owner of Core Strategies, a sales consultancy firm, “so solution-based selling comes fairly naturally to me.”

In her early years, Rosetti-Applewhite says she was driven by ambition, comparison — “all the unhealthy things.” Now, she’s most concerned with being a good steward of her blessings and making everything she’s involved in better.

One thing she’s learned that she wants to tell other women: “You don’t need permission to pursue a dream or a goal.”

“The moment you give that power to someone, you are limiting yourself,” she says. “Women should also give one another much more grace. Everything is not equally important. Pick what matters, and stick with that. Stuck? Pick the next right thing to do … again, and again.”

MOVING UP

That strategy has served Rosetti-Applewhite well throughout her life and career, which began in Biloxi — where she attended public schools and went on to briefly attend the University of Alabama.

Upon returning home, she worked retail and sought a Mondaythrough-Friday job with regular hours — a search that landed her in the Sun Herald’s classified phone room.

“Through the grace of my supervisor, Laraine, I worked in the phone room for a little over a year before moving to outside sales,” Rosetti-Applewhite recalls. “Fifteen years, five titles and one degree from USM later, I was vice president of sales — once again through the grace of those who believed in me and promoted me.”

She flipped houses on the side until she lost her own home in Hurricane Katrina — one of the most pivotal moments of her life.

“I was grateful for the volunteers who sustained us, grateful to have a place to live after losing my home, grateful that enough of my home remained so that my wind insurance paid, grateful for the government supplying grant money to close the gap — just grateful,” she says. “In hindsight, God knew I didn’t need that house.”

During that difficult period, career opportunity knocked, and Rosetti-Applewhite changed companies and became the vice president of the Press-Register in Mobile. In 2010, Advance formed Alabama Media Group, combining the Press-Register, The Birmingham News, The Huntsville Times and AL.com under one president; Rosetti-Applewhite became vice president of sales and strategy.

After serving under three presidents, in an environment in which trust was lacking and everyone seemed to be fighting for survival, she realized in 2018 that she’d lost a sense of purpose in her job.

Simultaneously, her husband, Roger, lost his mother and son within the span of a few months.

“One morning, after a five-hour commute that began at 4 a.m. to make a 9 a.m. meeting that ended up being canceled, I walked into my boss’s office and said, ‘I am in the wrong place, at the wrong time, talking to the wrong people about the wrong topics,’” RosettiApplewhite recalls. “We agreed I would be gone by the end of the month.”

GIVING BACK

She took a year off, and with her mind free to slow down, she began to dream again. She chose a church and was baptized, putting faith at the center of her life. She started her own consulting firm advising business-to-business companies on sales strategy and execution. She read the Bible — twice — which remains an integral part of her daily routine.

“Every day, I begin with time in the Word,” Rosetti-Applewhite says. “If I need inspiration, or if I have a problem to solve, or a

concern, I ask God to speak to me through the text. I have become more peaceful and patient, so remaining focused and being positive is easier.”

She avoids watching too much television news and prioritizes exercise. She makes time for typical chores between client meetings and her many volunteer obligations, which include chairing a mission team at her church.

Todd Trenchard, executive director of the Bacot McCarty Foundation, has known Rosetti-Applewhite since her Sun Herald days and calls her an invaluable board member and confidant.

“Her skillset is on another level, and her abilities to lead and take charge of any project are without peer,” he says. “Simply, there are few, if any, who possess such a wide array of professional attributes as Vicki.”

Besides helping turn the Bacot McCarty Foundation into a Coast-wide entity, Trenchard says, Rosetti-Applewhite has helped organizations like the Walter Anderson Museum of Art rise to another level, been an invaluable proponent for the Community Care Network and championed Chamber of Commerce projects — all while becoming one of the region’s most successful female leaders.

“She is a role model because of her obvious professional success and because of her faith and God-centered beliefs,” he says. “She is truly the epitome of leadership and would be one of the first people I would think of to lead, direct or suggest the best course of action on any project.”

Rosetti-Applewhite’s favorite volunteer role is serving in the Court-Appointed Special Advocates (CASA) program, which allows her to be a voice for abused and neglected children. She professes a passion for giving people a hand up and helping others help themselves.

“More people than we realize are one bad decision or one crisis away from being without a home, or without food security,” she says. “Working to systemically end those risks is important to me.”

“More people than we realize are one bad decision or one crisis away from being without a home, or without food security. Working to systemically end those risks is important to me.”

‘YOU ONLY GO AROUND ONCE’

Rosetti-Applewhite considers herself lucky to have entered adulthood debt free, and during her time at the Sun Herald, she became well versed in the value of saving through a 401K and contributing to worthy causes. Everyone has something to give, she believes, whether that’s time, treasure, talent or prayer.

“With regard to influence, I wish I had realized how much I had, and how I could have used it better,” she says.

While planning for the unplanned is important, RosettiApplewhite maintains that if you do what you love, work is never “work,” and retirement takes on a different hue.

“I can’t really comment about the financial mistakes of others, because I have made a lot of them myself,” she says. “But at the end of the day, you only go around once – so help that person now, take the trip — and, occasionally, buy the shoes.”

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21

Building A Plan You Trust – With A Team You Trust

Bank Future on your

It’s always been more than banking.

22

August 2022

Did you know that The Peoples Bank has a department dedicated to confidentially assisting individuals with saving, investing, building wealth and planning for the future? The highly qualified team in our Asset Management and Trust Department can be your advisers to make it easier to manage money and reach your financial goals.

We understand everyone’s goals are unique, and there is no better time to start working toward those goals than now. The earlier you start, the better. Being selective, organized and timely about financial planning helps build wealth gradually. With a few of our simple financial planning tips and expert guidance, our Asset Management and Trust Department can make it easier to manage money and reach your financial goals.

Pay yourself first.

Make a goal to save 10% of your earned income in a retirement account, whether through an employer who matches or a personal Individual Retirement Account (IRA)—or both if you can. There are two widely known Individual Retirement Accounts, which are the Traditional IRA and Roth IRA. With a Traditional IRA,

Asset Management and Trust Department

eligible contributors may be able to deduct from taxable income each year. This may be an attractive option for someone in a higher tax bracket now that may be in a lower tax bracket during retirement.

A Roth IRA, however, does not allow for deductible contributions (i.e. no upfront tax break), but in retirement, withdrawals are tax-free. This may be an attractive option for those anticipating being in a higher tax bracket in retirement. Though these are two types of IRAs, there are seven types in total. Each with its own unique contribution limits, eligibility and taxation – all of which we offer!

Build a saving mentality.

Create a budget and monitor the finances coming in and going out of your household. Look for opportunities to save and put that savings away in an interest-earning account if you can. If you build a savings mentality, it will become like second nature. Making automated monthly deposits out of your paycheck to your savings is an easy way to save without thinking about it.

Get an experienced financial advisor.

Sit down with a professional and discuss your goals. From the first meeting, our Asset Management and Trust Department’s goal is to get to know you and learn what your needs and wants are to better serve you. Let us find ways to take your savings and invest for the future with a customized, diverse portfolio.

We pride ourselves on taking a team approach. Each officer and administrator works with our investment team to develop an investment strategy that best suits your needs. We regularly communicate with you to discuss developing needs and how best to adjust the investment strategy, if necessary. As life changes, it may be necessary to adjust our approach, which is something we look at with you and decide on together.

Our friendly and knowledgeable Asset Management and Trust Department is ready to assist you with all your retirement planning, trust, financial and investment management needs. Connect with us today!

THEPEOPLES.COM | (228) 435-8208 www.gcwmultimedia.com

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9

MEET

Self-made

women leading by example

A woman who is self-made has achieved wealth, status, etc., through personal effort and hard work rather than by accident of birth. Through sheer will and grit, she has risen to financial and social prominence.

According to some experts, women now own over onethird of the world’s private wealth — which is increasingly

self-generated. Here on the Coast, women business owners, CEOs, doctors, attorneys and other professionals are changing the conversation, building their own brands and charting a course for the future.

Meet nine pioneers who are paving the way and setting an example of female greatness.

Angel Myers McIlrath When she lost her daughter, Angel Myers McIlrath found her mission.

In 2017, her beloved only child, Sophia, died from diffuse intrinsic pontine glioma — a form of brain cancer — at the age of 7. In Sophia’s honor, McIlrath founded the SoSo Strong Pediatric Brain Tumor Foundation to fight this deadly disease.

A Coast native who has spent most of her life in Jackson County, McIlrath also is the first woman elected to serve as district attorney for the 19th Circuit Court District.

Her daily mantra helps her overcome life’s obstacles: “Angel, life is tough — but girl, you are tougher.”

Was there a moment when you wanted to give up? How did you push through?

“Professionally, I have never wanted to give up. I’ve been tired and beat down, but I never wanted to give up. Obviously, the death of my daughter was a pivotal moment in my life where I was faced with two choices: live or die. I chose life then and continue to do so every day, but each day is hard.

It may sound silly or simple, but just get your makeup on, put your shoes on and get out

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August 2022

and face the day. Make that first small choice to move forward, and you will handle what comes your way. You just do.

I pray and seek God’s wisdom constantly. Learning to endure, persevere and be content with life will help you push through any situation.”

What must women do to push past limitations, whether financial or otherwise?

“The force of one may be small, but the force of several can be great. As you

go through your education and career, it is important to connect with other women who inspire you, who are willing to offer guidance, support and valuable constructive criticism when needed. Don’t limit the connections to your field; some of the best connections come from chance meetings or connecting during a community event. Being willing to lead, as well as learn, will help you hone your strengths and identify opportunities that you may not see otherwise.”

What kind of legacy do you want to leave? How are you building that legacy now?

“This question pricks my heart because I wanted to leave a legacy for Sophia. I wanted my daughter to see where hard work, setting goals and perseverance would lead. I hope Sophia’s friends and other little girls will see not just me, but other women, in positions of influence and be inspired to pursue their own dreams.”

Self-made women

Angelyn Treutel Zeringue Angelyn Treutel ZeringueI is in her glory when she has too much to do.

The president of SouthGroup Insurance also is an influencer, a Christian, a grandmother, a mother, a wife, a daughter, a caregiver, a volunteer, a community leader, a speaker, a friend, a mentor, a nature lover, a self-described technology geek, a certified public accountant, a Trusted Choice Insurance Agent and much more.

Her favorite quote: “Those to whom much is given, much is expected.”

What drove you to be as successful as you’ve been?

“I have always had a spark that drives me to be the best, help the most and truly make a difference. I feel blessed to be involved in almost every local organization and initiative with the goal of making everything better. I feel that I have been very blessed throughout my life,

and I am compelled to give back with my time and treasure.”

What do you do every day to keep focused and positive?

“I begin and end each day with prayer. Throughout the day, I listen to Christian music.

I intentionally strive to always have a good day and smile through it all. I look for beauty

in every place and person I see.”

What are the barriers to women succeeding at a higher level? What must women do to push past limitations, whether financial or otherwise?

“There are no barriers, only places we don’t need to waste our time. Women are great at handling large projects and

motivating a team. Sometimes moving up is not possible, but going in a different direction is a better choice. From a financial standpoint, becoming a chronic saver at a young age will be beneficial throughout your life.

Live below your means, have fun and love, love, love.”

Dr. April Ulmer Given the emphasis that Dr. April Ulmer’s parents placed on education, it’s perhaps not surprising that they raised two future physicians and a securities broker.

In addition to heading her pediatric gastroenterology practice, Kids and Tummies LLC in Gulfport, Dr. Ulmer — known to many as “The Tummy Doctor” — also is a wife, mother and owner of The Yard Milkshake Bar of Flowood, Mississippi.

“My enterprising spirit comes from my father, who owned businesses as a young man,” she says. “My fiery independence and strong maternal instinct come from my mother.”

What drove you to be as successful as you’ve been?

“My parents taught me as a child to always move to the front of the class … of the room … of the discussion. They taught me that what I think and say are worth knowing and hearing, which has made me comfortable with leading.

I also credit resilience, which has allowed me to recover from setbacks, disappointments and slammed doors. It reminds me that no matter the obstacle, I’ve overcome worse. Even if my course is not as I planned, I still can succeed.”

What must women do to push past limitations, whether financial or otherwise?

“Say what you mean, delegate tasks and ask for what you need. Requiring assistance doesn’t mean you’re not capable. Assistance frees you up to focus on the things most critical to your success.

Always remain curious, and never stop perfecting your skillset. Seek advice from those with more experience and/or resources. Don’t underestimate your abilities. Reject imposter syndrome. Always acknowledge those who helped you along the

way, and always pay it forward.”

What kind of legacy do you want to leave? How are you building that legacy now?

“I want to leave behind a legacy of generosity and kindness. My goal is for there to be evidence of the good I did as a doctor, philanthropist and mentor that endures long after I am gone. I want my life to serve as an example for young girls like my daughters of what women can accomplish when we trust in God, work hard and believe in ourselves.

I volunteer with several

community organizations focused on improving the lives of children. I maintain an ongoing dialogue with fellow physicians and health system administrators to expand pediatric subspecialty access here on the Gulf Coast. Kids and Tummies is continually searching for new and better ways to serve our community’s healthcare needs. Our most recent endeavor to improve access to quality pediatric gastroenterology care is the addition of our second clinic location in Ocean Springs.”

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Investing in

Vacation Properties Creating Wealth One Property at a Time

H

ave you ever considered an investment in vacation properties? At first, investing in real estate may appear daunting, but you can make it happen!

There’s a way to make investing fun and easy. Let’s look at a few ways to begin, or even expand, your real estate portfolio.

Vacation real estate is more than buying a beautiful condo at the beach. A beach-front property is both tangible real property, and an investment in your family’s quality of life.

The majority of my clients tell me, “Adam, I just want to be able to go on vacation and have someone else pay the bill.” We all would like that! This is why, when focusing on vacation real estate, there is a balance between the longterm return on investment and the immediate quality time with your family.

When you rent a condo at the beach, such as a twobedroom condo in Bay Saint Louis, you can expect to spend about $4,000 for one week’s luxury experience.

Investing in a beach condo (remember, our goal is a free vacation!) would need to cover carrying costs of the property plus $4,000 (an unrealized expense) to achieve “break-even” status. Here is an example

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of a purchase price of a $679,000 beach condo. There is an estimate of $49,945 annually in rental income.

Using this example, there’s an estimate of $49,945 annually in rental income. After accounting for the annual expenses, there is a positive balance of $26,991 in income, which is that free vacation we all want.

Looking at this same example from an investment-only standpoint, the return of 3.98%, while appearing small, provides a considerably higher return than simply putting money in the bank. Additionally, you potentially will earn an additional 4% (national average) appreciation year after year.

Ready to invest in your first property? Typically, you will find more favorable terms and rates for second/vacation homes vs. investment properties. Many banks are able to do 90% loan to value (LTV) when financing a second/ vacation home. Let’s review our beach condo example, which requires a down payment of about $68,000. If you hold this property for 2.5% years, you could expect to earn back your original down payment. Even better… you could sell this vacation property and “roll” the equity from principal build-up, appreciation, and net income into your next vacation property, climbing the ladder and leveling-up your real estate portfolio. After doing this a couple times, your vacation homes can be paid in cash and you’re able to guarantee your family vacations for generations to come, creating memories for life. So, what are you waiting for?

Start today!

ADAM STAHURA is Regional Sales Manager/Broker for Christian Shane Properties.

ChristianShane.com | Adam@ChristianShane.com | (O) 504-208-5688 | (C) 850-499-2239

August 2022

FARRAGUT LOFTS brings a

New Level Of Unmatched Luxury and stylish living to Bay St. Louis.

Farragut Lofts is a haven of exclusivity & seclusion.

We are one block from Main Street and one block from Second Street shops, restaurants, & entertainment. Take a five-minute stroll to the beach, less than 3000 feet away.

PATTI FAULDER has been a New Orleans top-selling, award-winning Realtor since 2006. Her expertise in marketing luxury properties has contributed greatly to her success. Bay St. Louis is Patti’s second home, and she is excited to introduce Farragut Lofts to the Mississippi Coast Vacation Homes community.

PATTI FAULDER

Licensed in Louisiana and Mississippi

Patti@ChristianShane.com PattiFaulder.com 504-905-7473

www.gcwmultimedia.com

27

Self-made women

Geneva Dummer

One of two children raised by a single mother, Geneva Dummer also had an active, loving father.

“Both parents instilled in us the self-satisfaction that comes with a job well done,” says Dummer — who has worked since she was 10, joined the U.S. Navy at 18 and went on to receive a bachelor’s degree in molecular biology from the University of Wyoming. She continued her education at the University of Tennessee College of Medical Health Sciences, earning a Master of Science degree.

She now owns and operates The Meeting Place, a shared office facility and business incubator. Dummer also remains active in the community, having served on numerous boards of directors of nonprofit organizations “I don’t look for limitations,” she says. “I look for solutions.”

Was there a moment where you wanted to give up? How did you push through?

“Absolutely! I always find a way to accomplish the task.

Keeping a level, patient and unemotional mindset is key.

There is something to be gained from every situation, even if it didn’t go the way I thought it would, so I never mind when things take a slightly different path, or when people aren’t as

honest as they appear to be initially.

What are the barriers to women succeeding at a higher level? What must women do to push past limitations, whether financial or otherwise?

“Mindset is important. I don’t spend my time blaming other people for a solution I was unable to provide. Women typically are not as blatant

about defining their worth and refusing to take less. Use real, data-based values, not arbitrary, ‘speak-it-and it-willbe-so’ values, and be ready to define and defend them. Also, don’t be afraid to say ‘no.’”

What kind of legacy do you want to leave? How are you building that legacy now?

“I believe alternative office options can have a huge impact

on economic development, even before COVID helped make the point. I also believe everyone should learn at least one trade skill. There is no feeling like fixing something that was considered broken. I want to pass that on to our youth, and I intend to do so through a summer camp program for sixth, seventh and eighth graders here on the Mississippi Gulf Coast.”

Heather Ladner Smith A Bay St. Louis native, Heather Ladner Smith attended Mississippi State and law school at Loyola in New Orleans. A partner in Butler Snow LLP, she strives daily to make the Coast a better place to live and raise children “I knew that I wanted to come back to the Mississippi Gulf Coast to start my career and life,” Smith says. “I now live in Bay St. Louis with my wonderful husband and our three adorable (and strong-willed) children.

What drove you to be as successful as you’ve been?

“My parents and grandparents. Growing up, they always told me that I could do whatever I want and be whoever I want. ‘The sky is the limit’ was the philosophy around our house. When times get hard, my family (now including my husband) is there to remind me that life is not

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August 2022

always easy or fair, but hard work and dedication will pay off in the end.”

What are the barriers to women succeeding at a higher level? What must women do to push past limitations, whether financial or otherwise?

“Women sometimes can be the largest barrier to other women. Women need to stop

looking at other women as threats. Instead, we should work together to identify our strengths.

Also, confidence is important, and confidence should not be confused with arrogance. As women, we should always speak and deliver with confidence.”

What kind of legacy do you

want to leave? How are you building that legacy now?

“I don’t think that I am trying to build a legacy — at least, I have never thought of it in that way. I am simply trying to be a good mom, a good wife and a good attorney.

If I can accomplish that, then my parents and grandparents were right — the sky truly is the limit!”

CHERIE RIVERA WADE, ESQ.

MICHELLE TOMES BRYAN, ESQ.

As a former prosecutor, I am equipped to handle a variety of cases, whether it be complex civil litigation or defending criminal cases. As a female litigator, I bring a unique perspective to your case and will ensure your rights are protected. I also strive to ensure that clients are treated with dignity and respect and that each case is handled as efficiently as possible.

As a parent, I understand the importance of keeping families together. However, situations arise where difficult decisions must be made and I work hard to represent my clients’ interests. In addition to family law, I specialize in immigration cases, with an emphasis in family-based matters, asylum cases, and removal defense.

6 1 9 D E L M A S AV E N U E | PA S C A G O U L A , M S 3 9 5 6 7

2 2 8 - 2 0 5 - 3 9 2 1 | i n f o @ t r w l a w y e r s . c o m | w w w. t r w l a w y e r s . c o m Any description of areas of practice does not state or imply certification, specialization, or expertise in any particular area of the law. The descriptions herein are meant only to provide information about the activities and experiences of the attorneys and are not intended as any form of guarantee of any particular results on a case. www.gcwmultimedia.com 29

Self-made women

Holly Lemoine-Raymond Ask Holly Lemoine-Raymond about her background, and she replies, “What haven’t I done?”

The broker/owner of HL Raymond Properties LLC and executive producer/director of HL Raymond Productions has worked at a casino and dental office, opened her own restaurant and now heads her own real estate brokerage and film production company.

“The common thread is my love for the Gulf Coast and the people in our community,” she says. “I am busy for sure, but I always try to make time to volunteer, give back and showcase the beautiful area we call home.”

What drove you to be as successful as you’ve been?

“I have always enjoyed thinking outside of the box and pushing to not just meet expectations, but to exceed them whenever possible. My mother was an extraordinary role model. Her hard work and whatever-it-takes attitude, combined with her genuine love for people, set a great example for me. My goal was to teach my son how to be successful while

remaining humble and kind. I know I am partial, but I am so proud of the young man he is today.”

What do you do every day to stay focused and positive?

“I try to surround myself with people who are motivated and positive. I seek out encouraging and uplifting information to feed my mind and soul. I rely on my faith as well. A combination of all these things

keeps me upbeat. I truly love my profession. In real estate, there is such joy in jumping the hurdles and getting my clients to their happy place. It is very rewarding.”

power. I will identify the barrier so I can reach even higher to overcome it. Women may have more struggles at times, no doubt, but women also possess a mighty power source that they can tap into. We just have to remember to harness that strength and use it. We also must remember to turn around and help each other along the way.”

What are the barriers to women succeeding at a higher level? What must women do to push past limitations, whether financial or otherwise?

“I try to move past obstacles by not giving them too much

Jennifer Johnson Jennifer Johnson has an extensive finance background, having worked for casinos as an auditor in her early 20s before going into corporate finance, where she continued to strengthen her skills in every facet of accounting. Now, she is owner of the Three Strong Women Corporation, a female-owned-and-operated business that sells mobile data and fiber internet services throughout North and South America.

Having taken a large (and scary) leap of faith, Johnson says the company recently celebrated its first $1 million in revenue.

“My passion is working with numbers and problem solving,” she says. “I hope to continue teaching others the skills I have learned in finance so they can one day run their own company.”

What drove you to be as successful as you’ve been?

“I try to surround myself with smart people who inspire me to be better. Taking big risks and not being afraid to fail sometimes also contbutes to my success.”

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August 2022

Was there a moment where you wanted to give up? How did you push through?

“Giving up has never been an option I was willing to make.

Too many people relay on me to make smart business decisions.

I have had to learn to pivot

quickly if something didn’t go according to plan.”

What kind of legacy do you want to leave? How are you building that legacy now?

“I started this company with my daughters in mind. I want to

build an empire. They all work for me in different departments so that one day, they will be the next generation of women running this business.”

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We want to be your financial advisor. Please call for more information.

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1311 Spring Street, Suite B Gulfport, Mississippi 39507 Stifel, Nicolaus & Company, Incorporated Member SIPC & NYSE www.stifel.com

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Self-made women

Marketa Piernas After starting her career in public accounting, Marketa Piernas went on to work as an accountant for fortune 500 companies. As a certified public accountant and owner and operator of Premier Tax and Accounting Services, she helps a diverse clientele in industries ranging from film and TV to transportation and apparel.

“My mother taught me that the sky is the limit and that any and everything was attainable,” she says.

What drove you to be as successful as you’ve been?

“I grew up watching my mother work two jobs to make sure my brother and I had everything we wanted and needed. I remember working the entire summer my senior year of high school to save up $3,000 to help my mom purchase my first car. I didn’t spend any money that summer and focused on the goal that I

had set for myself. Once I had a goal in mind, I initiated the plan to achieve it. This is still my mindset today.”

Was there a moment where you wanted to give up? How did you push through?

“I can remember failing one of the four parts of the CPA exam and thinking maybe it wasn’t meant for me to become a CPA and that I had chosen the

wrong career path. However, I quickly remembered how far I had come, and I would not let this one exam defeat me.

I prayed, and my continued faith in God helped me prepare mentally to push through. I studied even harder, pushed myself to new limits and soon after passed the exam.”

What do you do every day to keep focused and positive?

“I have a quick daily prayer that I say when I open my eyes: ‘Thank you, God, for all you have done and will do, and if you never give me anything else in life, I am grateful for what I have at this very moment.’ I ask for continued guidance in my steps to walk in His light. A negative mindset will never achieve positive results.”

Yuki Northington Besides being an artist, interior designer and owner of Social Chair and Art & Interiors, Yuki Northington serves her community in Rotary, the Merchants Association and five Mardi Gras organizations. She holds degrees in art and interior design from the University of Missouri and the University of Northern Iowa, respectively, and spent her time in school serving as the social chair of her sorority, as well the University of Missouri’s first female mascot (Truman the Tiger) and as a member of the Panhellenic Board for Diversity.

“I was raised to use my talents to help others,” she says, “and that continues today.”

What drove you to be as successful as you’ve been?

“I wanted to be a strong role model for my kids, especially my daughters. It always has been important to me that my daughters know they should be able to provide for themselves. I wanted to build a business that I could pass on to them one day.

I wanted my family to respect me and my career as much as they did their dad.”

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August 2022

Was there a moment where you wanted to give up? How did you push through?

“Just like all small businesses, (mine has been challenged by) Katrina, the BP Oil Spill, recession and the COVID pandemic. I just kept going, and even on days when I had one customer, I showed up and was open. Customers have to be able to depend on you. I kept the doors open during lean times by not paying myself and

reinvesting everything back into my businesses.”

What are the barriers to women succeeding at a higher level? What must women do to push past limitations, whether financial or otherwise?

“Women have to work smarter and multitask. You have to know what you are talking about and have the confidence to stand up for yourself and know your worth. Sadly, we still

have a long way to go when it comes to being treated equally.

Women still are expected to have dinner ready and birthday parties planned.

It is crazy that I can buy my building, but the bank still has my husband’s name on the contract — same for my car, I paid cash, and his name is still on the title. You have to accept that not everyone is going to like you, but you still have to stand your ground.”

Don Blaize Area Sales Manager / Loan Officer NMLS 184888 | Branch NMLS No. 1594850 (228) 254-3067 BILOXI: 2554 Beach Blvd., Suite dblaize@cmgfi.com

CMG Financial - Mississippi Gulf Coast

A | OCEAN SPRINGS: 1216 Government St. PASS CHRISTIAN: 300 Davis Ave., Suite 101A

(228) 438-2002

www.gcwmultimedia.com WWW.CMGFI.COM

www.cmgfi.com/mysite/don-blaize

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THERE’S NO TIME LIKE

NOW

to plan for retirement Want to retire in good financial shape? Here are some tried-and-true tips from local experts Kathy Rogers and Janera Harvey.

IN YOUR

IN YOUR

Kathy: • Start saving and planning now.

• Take advantage of retirement savings plans offered by your employer, and contribute as much as it will match. If one is not offered, start your own.

• Purchase your own life insurance while you are young and healthy, even if you don’t have children or a spouse. It will cost less in the long run.

• Examine your values; what is important to you? Use those values to guide your decisions.

Doing so will help ensure your future self will have a better financial life.

Kathy: • If you haven’t yet taken the steps recommended for your 20s, start there.

• Compound interest can be your friend or your enemy. You need to save $104 more per month at age 30 than you did at age 25 if you wish to have $1 million at age 65. The difference jumps to $282 more per month at age 35.

• Without fail, review your plans and budget annually. Avoid allowing frustration and setbacks to derail you. Don’t look in the review mirror.

If you’ve gotten off track, make the necessary adjustments, and correct your course.

20s KATHY ROGERS Kathy Rogers is the vice president of Marston Rogers Group, a life planner and financial consultant.

Reach her at (228) 2065902 or Kathy@mrg.life.

JANERA HARVEY Janera Harvey is a money coach, certified credit counselor and owner of The Credit Journey LLC. Reach her at info@thecreditjourneyllc.com.

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August 2022

Janera: • Embrace the opportunity to work for an employer that offers great benefits. Take advantage of the employer’s 401(k) plan and hold onto the job. You don’t want to miss out on the employer’s contribution match.

• Consider saving in a myRA — a treasury bond that’s backed by the government and guaranteed to never decline in value. Keep in mind that if you decide to withdraw from this account, you’ll be taxed. The maximum balance for the account is $15,000; once you reach this amount, the balance can be transferred to a Roth IRA. When you reach this point, you can continue to invest in your retirement via a Roth IRA. • Open a high-yielding savings account. This will allow your money to grow over time. Having such an account allows you to earn interest on top of interest (compounding interest). The earlier you start, the greater your rate of return.

30s

Janera: • Open a traditional IRA or a Roth IRA; you can gain similar tax benefits to a 401(k) plan.

• Do an annual check of your investment and savings goals.

• Add diversity to your investments.

Remember the old saying: “Don’t put all your eggs in one basket.”

IN YOUR

IN YOUR

IN YOUR

Kathy: • Review the tips for your 20s and 30s.

Stay focused on what matters to you.

• Keep your spending in check. Just because you are making more money doesn’t mean you should spend it.

Retirement savings are just that: savings for retirement — not a piggy bank to access when you need a few dollars for a new toy.

• Understand that saving for your retirement is more important than saving for your children’s college. Do you want to be dependent on your children for financial assistance in your old age? Many grants and aid programs are available to help with college, but in old age, there’s only your savings and Social Security.

Kathy: • Take a deep dive into how much you have saved and how much you are putting away, as well as your investment strategies.

• Schedule a strategy session with your financial professional to review your retirement timeline, debts and projected retirement income.

• Check with SSA.gov and review your earnings record and potential Social Security income.

Kathy: • If you haven’t done any planning before now, you still should begin saving. However, you have lost the advantage of compound interest working in your favor.

• Schedule a strategy session with a financial professional.

• Assume you are going to live 30 years after quitting work. Will you have enough to live on? Remember inflation, market volatility and health care costs can have a huge impact on your retirement savings.

Make any necessary adjustments immediately; there is no time to delay.

• Review your Social Security earnings and determine whether you should take your benefit now or wait.

40s

Janera: • Invest in a financial planner. Life might be a little different at this stage because you have additional responsibilities.

Depending on your responsibilities, continuing to build for retirement might be challenging. You need all the support and options that a financial planner can offer.

• Minimize your debt as much as possible to free up your cash flow. The last thing you want to think about when you transition into retirement is debt. Having a money coach will help you strategize ways to minimize debt based on your needs and goals.

• No matter what, saving for retirement always should be your priority.

50s

Janera: • If you missed your opportunity to take advantage of investing during your younger years, the IRS allows you to catch up. You can invest more annually than the normal amount; this is referred to as catchup contributions.

• Continue to tackle your debt and eliminate any unnecessary expenses.

• Work on estate planning, writing your will and getting a power of attorney. Life happens, and you want to make sure that if you become incapacitated, your assets are protected and a trusted person can properly represent you.

60s

AND BEYOND

Janera • Plan and set your retirement date.

• Start planning your retirement budget because you’ll be living on a fixed income.

• Start researching your Social Security benefits and determine what’s needed for you to apply for Medicare.

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35

MARKETING MOMENT

Create income streams to keep the funds flowing media management. I loved the work and made great connections, most of whom remain active, but I made a significant error. I traded my time for money. The quickest and easiest thing

BY LASHAUNDRA MCCARTY I could think to do was sell my talent, which yielded one-off projects but didn’t grew up on Suze Orman’s books. My create residual income. mom had the collection, and on more I thankfully had yearlong contracts than one occasion, I recall watching with a few big clients. However, when Suze explain IRAs and debt reduction the clients have budgets and projects on PBS. She was my finance guru are moving forward, you don’t detect during my adolescence, which was well the change in the tides. Unfortunately, before I had any money to manage. The two of my contracts ended in close echoes of her teachings stayed with me succession due to budget constraints. in college when I took out my student Budget cuts often hit marketing loan and later when self-employment first, and at the end of 2018, I felt the made me pay acute attention to setting change. It was too fast and too deep to up my own retirement plan. She kept me withstand. The stream had dried. focused on tomorrow and less centered on immediate desires.

I

CREATING A STREAM

In 2009, to fight the recession, I started a business. My focus was graphic and web design and social

MULTIPLE STREAMS ARE STRONGER

When your business operates multiple streams, if or when one dries, profits still flow. Had I created streams,

and not just a stream, those changes would not have been as impactful.

Streams of income (or revenue) create stronger business. There are several options for additional streams, such as downloadable content, online courses and influencer content.

Generating another stream, particularly if it is passive, will allow you to earn revenue without exerting more resources, such as time and energy in the creative process. Create once. Sell infinitely.

The keys, of course, are doing solid research on what your audience wants and implementing an automated system that can lead your potential audience through a customer journey that meets or exceeds their expectations.

Another benefit of creating additional revenue streams is the opportunity to scale your business more quickly.

With more resources to invest in your business for products, hiring and marketing, you can create a more sustainable venture.

LaShaundra McCarty is chief communication officer, LMc Communications.

Learn more and connect with her via www.lashaundramccarty.com or https://linktr.ee/lashaundra.

To view her presentation on income streams, visit: www.lashaundramccarty.com/resources.

36

August 2022

YOUR BUSINESS JUST GOT BETTER

HANCOCK CHAMBER

­ ­

You may not be able to change many of life’s problems… but you can change

How You Face Them Let’s talk about PLANNING FOR THE UNEXPECTED.

KATHY P. ROGERS, Life Planner kathy@mrg.life | cell: 228.697.0786

UNDERSTAND YOUR OPTIONS:

Business Exit Strategy | College planning Retirement Planning | Life Insurance | Business Protection

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Office: (228) 206-5902 | Fax: (228) 206-0150 15431 O’Neal Rd. Ste B | Gulfport, MS 39503

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37

WHAT AN “ID” DIVORCE IS — and isn’t

BY KATHY BROWN VAN ZUTPHEN

Most studies find that like the temperature, divorce rates spike in August — and theories abound for why this happens. Some say that instead of being a time for bonding, summer vacation emphasizes marital problems. Others speculate that parents may feel their children are more distracted in the fall when they are back in school. Still others suggest that by filing in August, couples may hope to complete the process before the holidays.

Regardless of when you file, the Mississippi legislature once again has declined to enact a true no-fault divorce procedure.

Mississippi does allow a couple to agree to get a divorce based on proof that the marriage is irretrievably broken and irreconcilable differences exist. This is known as an irreconcilable differences, or “ID,” divorce.

Under an ID divorce, the spouses must agree to get a divorce, but they do not need to plead and prove marital misconduct for the court to grant it. However, eliminating the need to allocate blame in an ID divorce does not mean all decisions regarding the divorce are now straightforward. The spouses still may disagree about the property settlement or child custody. However, even if the parties can’t agree on custody or how to resolve their financial matters,

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August 2022

if both spouses agree to get the ID divorce, they can agree to submit the disputed custody or financial matters to a judge for a decision. This could include a judgment on what is or is not a marital asset and what is an equitable division of the marital assets.

In an ID divorce situation, if a spouse refuses to agree to a divorce, he or she can’t be forced to comply without the other spouse alleging and proving fault grounds. This means if the spouse who wants the divorce can’t prove a “fault” basis or legal ground (which is usually marital misconduct) for the divorce, he or she can’t obtain it from an unwilling spouse. This can lead to a situation in which one spouse (who is faultless in the divorce) can hold out on the spouse who wants the divorce to try to secure a more favorable financial settlement.

Therefore, the main difference between an ID divorce and a true no-fault divorce, normally available in other states, is that in a true no-fault divorce, if one spouse wants to get a divorce, he or she can get it even without alleging fault against the other spouse.

Kathy Brown van Zutphen of Coastwide Law LLC is an attorney licensed to practice law in Alabama and Mississippi. She focuses on the “elder law” areas of trusts, estates and conservatorships. Additionally, she litigates lawsuits and represents small business owners as part of her legal practice. Visit https://coastwidelaw.com/ to learn more or reach her at her office: (228) 357-5227.

Caregivers, don’t neglect your financial goals FROM MISSISSIPPI HEROES

Caregivers typically keep a vast collection of exercises, therapeutics, medicines and treatments in their toolbox that they can rely on at any given moment. They meticulously plan daily routines, which revolve around their patients. That dreamed-of vacation often remains the back of their minds, just waiting to be realized if they took the time for self-care.

But if you ask them about their own wants and needs, they may feel guilty for imagining a getaway.

If this description applies to you, write those goals down. Keep a journal to track your financial progress and turn that vision into reality.

If you have a financial advisor or financially savvy friend, work with them to construct a pathway to the vacation or other self-care activity you deserve.

Most importantly, do not feel guilty about making plans for yourself.

Here are a few things you can do to realize your goals: 1. Take care of you. Caring for another is a large responsibility, especially for caregivers who are near retirement age themselves.

You should have a personal financial plan, as well as one for your loved one. A good plan includes a monthly budget, income sources, assets and debt. Furthermore, you should review health insurance plans as a reminder of what is covered and what you may need to add. Your health is as important as the person’s you care for.

2. Don’t go it alone. Get a financial planner or elder law attorney to set up an estate plan. Have a good insurance contact. Public resources are available, so talk to your local government, social security office or center for aging and ask questions until you find the right person to help you in each area. Get referrals from trusted sources to ensure you have found the right person to address your needs. One valuable resource is the National Family Caregiver Support Program, which helps relieve financial hardships for unpaid caregivers.

3. Set goals outside of caregiving. Get a journal to log your financial goals, and refer to it when you meet with your financial advisor.

Writing down your goals increases your motivation, concentrates your efforts and cements the goal, which makes you 42 percent more likely to achieve it.

4. Set up automatic payments or direct deposits. Use a program such as Mint to keep track of your activities and categorize your expenses for tax purposes. Set up autopay with your bank to take care of your monthly bills so you can focus on your other responsibilities. Check your accounts weekly for any suspicious activity.

There are many ways a person can financially automate their lives. These include setting bill payment schedules, transferring funds to savings, monitoring spending habits, rebalancing investment portfolios, selling a stock once a goal has been reached — the list goes on. Reviewing your progress with a financial advisor is always a good practice, and putting your financial goals on “autopilot” is another good way to stay on track. It doesn’t mean you ignore or neglect your money; it means you can focus on being a caretaker rather than a risk taker.

5. Anticipate and save for unforeseen expenses. If you designate your income to be divided among specific accounts monthly, make sure you put some away for emergencies.

6. Store all your important documents in one place. Keep a fireproof lock box inside your home for master copies of wills, financial documents, insurance policies, birth certificates, etc. Also make a copy to give to someone close to you, and make sure he or she knows where the originals are kept.

Mississippi Heroes recognizes, acknowledges and celebrates caregivers who choose to serve those in need on a daily, monthly and yearly basis. Learn more at https://www.mississippiheroes.org.

What philanthropy is — and why it matters more than ever Early in my career, I contemplated leaving.

Thousands of Gulf Coast families were navigating

BY ALISHA JOHNSON PERRY political unrest, a housing market crash and the unrelenting annual assault of hurricanes. Every hard-raised dollar vanished as quickly as a bead of sweat on the heads of the parents I helped support.

Henri Nouwen’s “The Spirituality of Giving” bolstered me at this time, and Tempel, Seiler and Burlingame’s “Achieving Excellence in Fundraising” also has been impactful. Both address the concept of philanthropy, defined as voluntary action, association and giving for the public good.

Philanthropy entered the English language from the Greek philos (“loving”) and anthrōpos (“human”), demonstrating an obligation to care as a means of achieving community. Today, Mississippians manifest a philanthropic concern as old as the Gulf Coastal plain where the Biloxi and Choctaw once worked, worshipped and gave.

Mississippi Alliance for Nonprofits and Philanthropy’s 2019 report indicates that nearly $100 million from 299 grantmaking foundations went to Mississippi recipients.

More than $26 million funded early and secondary education, colleges, public libraries and financial aid; $10 million supported research hospitals and medical centers. The philanthropy landscape shifted in 2020 and 2021, with $1.25 billion contributed in Coronavirus Aid, Relief and Economic Security (CARES) funding.

As we face an active hurricane season amid recession forecasts and fluctuating

COVID-19 protocols, shall we revisit our charitable goals and what’s happening in the world of philanthropy?

A great U.S. wealth transfer of $85 trillion to heirs and charities is expected by 2045 through planned gifts of stocks, IRAs, life insurance and trusts. Members of the Silent Generation and Baby Boomers are leaving legacy gifts for administration by their Gen X children, who are in their peak earning years. Gen Y and Millennials are ushering in new technology-based donor opportunities.

Meanwhile, The Children’s Foundation of Mississippi reminds us that families surmounting structural barriers to wealth need high-quality support to power up their economic, physical and educational well-being.

Financial advisors and community foundations can advise us on cash and legacy giving. Local nonprofits welcome non-cash gifts, as well as annual monetary donations, volunteerism and board service.

The benefits of giving go beyond tax incentives and include building social bonds and creating positive feelings. In times like these, couldn’t we all use a mood booster?

Join me in giving for our own wellbeing, and for the well-being of the entire Gulf Coast.

Alisha Johnson Perry, certified fundraising executive (CFRE), is director of donor programs at the Mississippi Gulf Coast Community Foundation. She is celebrating her 15th anniversary as a fundraising professional, supporting social justice and human rights organizations in the Gulf South region. Reach her ajperry@ mgccf.org.

Nonprofits need donors — and volunteers Philanthropy involves raising money through an activity or endeavor that supports a charitable cause. Community service involves hands-on service to an

BY BRIDGET organization, cause or community.

TURAN Nonprofits often rely solely or mostly on volunteers and have few, if any, paid staff members. The generosity of volunteers allows their everyday operations to run smoothly and helps nonprofits meet their philanthropic goals.

Today, philanthropy means generosity in all its forms and often is defined as giving gifts or time, talent and treasure to help make life better for others. You can practice philanthropy by making a monetary gift, such as a donation to a cause you deem worthy. There are many nonprofits on the Gulf Coast that would be happy to accept any contribution of money, time or other resources you would like to give.

Even if you volunteer your time rather than funds, this contribution helps the nonprofit meet its philanthropic goals.

I encourage everyone to get involved and serve causes that are close to their hearts.

Whether those causes are animals, children, mental health, human trafficking, etc., there most likely is a nonprofit that would love your help. It’s all about where your heart and passion lie as to where you would want to give funds or be a volunteer. Always remember that contributing time is just as important as giving monetarily.

Bridget Turan is a Women of Wisdom community liaison and former HUB directror with Gulf Coast Community Foundation. Reach her at bridget@wowcommunity.org.

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39

Cooling off in the pool?

BY ANGELYN TREUTEL ZERINGUE

Don’t forget safety

Baby, it’s hot, hot, hot! Temperatures in many areas of the nation are soaring to 90 degrees and above — so scorching that everyone just wants to relax in a pool. As enjoyable as they can be, swimming pools also present many potential hazards.

Safety always should be the top concern of anyone who owns or uses a pool because accidents can happen quickly and easily.

According to the U.S. Consumer Product Safety Commission, 390 deaths a year on average are attributed to drowning in a pool or spa. Not only is the water dangerous, but injury, and even death, can result from diving board mishaps, drain entrapment and slipand-fall accidents.

POOLS ARE ESPECIALLY DANGEROUS FOR YOUNG CHILDREN, BUT YOU CAN ENSURE SAFE FUN BY DOING THE FOLLOWING: • Empty portable pools when not in use, or cover a larger pool.

• Always supervise children in a pool.

• Teach your children to swim, float and the basics of water safety.

• Don’t leave toys in the pool because that attracts children.

• Check regularly for potential perils like glass, electronics or slipping hazards • Limit alcohol use around pools, especially during periods of excessive heat.

• Post rules for pool use and list emergency numbers.

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August 2022

As a pool owner, you should be present when anyone is using your residential pool, no matter if it’s an inflatable kiddie pool, above-ground pool or in-ground pool. This way, you are there to prevent accidents as much as possible by ensuring visitors act carefully. It’s also important to keep your pool up to date so there are no defective parts, missing safety equipment or other problems that could be hazardous to swimmers.

Even if a person is trespassing and using your pool without permission, as a homeowner, you still could be held liable for any injury resulting from an accident. If you don’t follow the laws for security and upkeep of your pool, you could be held liable for injuries caused by your negligence.

Make sure your insurance agent knows you have a pool so that liability coverage can be added to your home policy. Some insurance carriers exclude pool liability coverage, so your agent may have to help you obtain separate coverage. A good practice is to carry $300,000-$500,000 liability and additional umbrella coverage if you own a pool.

If you want to delve deeper into this subject, the Insurance Information Institute just completed its Pool Safety Campaign and offers educational videos on pool and spa safety at www.iii.org.

Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA and licensed Trusted Choice Insurance Agent. Reach her at www.southgroupgulfcoast.com, (228) 385-1177 or azeringue@southgroup.net.

ELEVATIONS BOOK SIGNING CELEBRATES MOSS POINT AUTHOR MARVIN CUNNINGHAM

AUDUBON CENTER RECEIVES MISSISSIPPI COAST NATIONAL HERITAGE AREA GRANT

The Pascagoula River Audubon Center of Moss Point was awarded a $5,747.45 grant from the Mississippi Coast National Heritage Area, which was made possible by continued funding from the Mississippi state legislature and annual congressional appropriations to the National Park Services.

This grant is a portion of the $138,642.50 in grants the Mississippi Coast National Heritage Area funds awarded in 2020 and has been used to reinstall six mileage signs and ten point-of-interest signs to the Pascagoula River Blueway and to install eight Blueway Gulf Coast National Heritage Area signs on the Escatawpa River.

NEREIDS MERMAIDS GIVE BACK TO HANCOCK ANIMAL SHELTER

The Krewe of Nereids Mermaids celebrated “The Captain Made Me Wear It!” and collected over 500 pounds of supplies to be donated to the Hancock Animal Shelter.

The animal shelter’s mission is to promote responsible pet ownership and protect the health and safety of its inhabitants, as well as the protection and humane treatment of all animals. Nereids is the original Mardi Gras krewe in Hancock County and started in the 1960s as an all-women organization devoted to giving back to the community.

SINGING RIVER HEALTH SYSTEM APPOINTS TIFFANY MURDOCK AS CHIEF EXECUTIVE OFFICER

Tiffany Murdock, who has served as interim CEO of Singing River Health System since February, has been named the first woman CEO of Singing River Health System.

“On behalf of the board of trustees, we are pleased to have Tiffany continue to lead our health system in a positive direction,” says Erich Nichols, board president.

“She has a proven track record of strategically leading the health system in a direction that is in the best interest of our staff and community while ensuring the quality of care for our patients comes first.”

Murdock began her career at Singing River as executive director of surgical operations in 2016 and was named hospital administrator for the system’s Singing River Gulfport location in 2020.

Marvin Cunningham, better known as “Bubba” to local residents, has traveled through each of the lower 48 states along two-lane roads — but the Mississippi native considers his home state to be the most beautiful and colorful.

His book, “Two Lanes,” is a pictorial collection of barns, corn cribs, houses and other vacant buildings from throughout the state. The Pascagoula River Audubon Center recently held a book-signing reception and distribution event to celebrate his work.

In the book, the photos are not labeled by location on purpose. ”I want to leave it to the readers’ imagination to wander back in a time to the stories each picture can tell,” Cunningham says.

JESMYN WARD TO RECEIVE 2022 LIBRARY OF CONGRESS PRIZE FOR AMERICAN FICTION

Jesmyn Ward has won The 2022 Library of Congress Prize for American Fiction At 45, Ward is the youngest person to receive the Library’s fiction award for her lifetime of work. The virtual prize ceremony will take place at the 2022 National Book Festival on Sept. 3 in Washington, D.C. One of only six writers to receive the National Book Award more than once, Ward is also the only woman and Black American to do so. She received a MacArthur Fellowship in 2017 and was the John and Renée Grisham Writer in Residence at the University of Mississippi for the 2010-2011 academic year. In 2018, she was named to Time Magazine’s list of 100 most influential people in the world.

Ward lives in South Mississippi and is a professor of creative writing at Tulane University.

CHAMBER OF COMMERCE FOUNDATION AWARDS $16,000 IN MINORITY SMALL BUSINESS GRANTS

The Mississippi Gulf Coast Chamber of Commerce recently awarded $16,000 in minority small business grants during a Diversity Council workshop – “Show Me the Money: Own Your Value and Negotiate Your Worth.”

The following businesses received the Mississippi Gulf Coast Chamber of Commerce/Mississippi Power Shine a Light Minority Small Business Grants for $1,000: • A & L Medical Billing and Coding • Million Prints, Gulfport Consulting, Long Beach • Pass the Juice, Gulfport • Bella & Beaux Salon, Biloxi • Rise Psychotherapy & Family • Brick N Spoon MS LLC, Biloxi Support Services, Gulfport • Gulf Coast Moms Blog LLC, • SIL Design PLLC, Biloxi Long Beach • StraightForward, Biloxi • Haus of Bonaparte Realty LLC, • Studio E Dance Co., Long Beach Gulfport • Sugar Tribe Sweets and Events, • Import Performance LLC, Ocean Springs Gulfport • White Oak Lane/The Scratch • Intriguing Beauty, Biloxi Kitchen, Ocean Springs • Johnson Paint Body & Collision Inc., Gulfport

COAST YOUNG PROFESSIONALS ANNOUNCES 2022 FOREVER YOUNG AWARD RECIPIENTS

Coast Young Professionals has announced the 10 recipients of the Forever Young Awards. Honorees were chosen based on their qualities and characteristics, as well as time spent and impact made on young professionals.

Recipients were honored at the 14th Annual Black Tie and Blue Jeans Gala July 14. This year’s recipients include: • Chris Boudreaux, Chris Boudreaux Allstate Agency • Laura Payne Breeland, Back Bay Mission • Anita Clarke, C Spire • Ryan Goldin, Florence Gardens LLC • Rachael Kiesling, Mississippi Gulf Coast Chamber of Commerce • Bill Lavers, Harrison County

Development Commission • Butch Oustalet, Butch Oustalet Autoplex • Michelle Sekul, Mississippi Gulf Coast Community College • Michael Sunderman, M2 Media Corp./South Mississippi Living Magazine • John H. Whitfield, Climb CDC

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41

home & family

Transform your home on a budget

BY JENNIFER MILLER

Jennifer Miller is a certified interior designer, professional home stager and the president of Jennuwine Design, Sophisticated Staging.

Reach her at jenn@jennuwinedesign.net.

W

e are halfway through 2022, and the real estate market is still thriving. Now is the perfect time to consider what features and renovations can maximize your property value. Potential homebuyers are looking for a place where they can transition easily between work and relaxation.

In fact, the desire “to make homes a sanctuary from the world" ranked as the number-one reason for renovations by one-third of top real estate agents in a recent survey.

Kitchens and bathrooms remain a top priority for buyers, but a home office and outdoor entertainment area have ranked almost as high in importance.

If you’re considering some renovations, you are not alone.

A Bank of America poll found that more than 70 percent of Americans undertook home improvement projects during the pandemic.

Here are the top five renovations that will increase your home's value instantly: 1.

Install smart home and solar options.

2. Refresh your outdoor space.

3. Boost your curb appeal.

4. Create an in-home office by utilizing space you didn't realize you had.

5. Build a kitchen island or walk-in pantry.

If you’re looking to upgrade on a budget, here are some of the simplest, yet most effective changes you can make on the cheap:

PAINT

A fresh coat of paint is one of the most efficient and inexpensive ways to make over any room. It will drastically update the look and feel of any space.

CROWN MOLDING

It's astounding how much a little molding and some caulk will transform your space! It is an easy way to achieve a custom home look and immediately add to your home's value.

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August 2022

UPDATE YOUR LIGHT FIXTURES

Updating light fixtures can alter the warmth, mood and all-around appearance of any room. There are economical lighting options that can rejuvenate your space and create a more sophisticated look.

TILE BACKSPLASH

Adding a tile backsplash in your kitchen is a relatively simple and an inexpensive DIY project that will boost your home's value. Peel-and-stick options are available and offered in a variety of colors and designs.

CLEAN GROUT

WINDOW TREATMENTS

Window treatments can add character and a luxurious feel to any room. While custom window coverings can be extremely costly, there are many high-quality, affordable options on the market. A ceiling track system provides an elegant and affordable option that gives the appearance of a larger space.

CURB APPEAL

Decorative magnetic garage hinges and handles create the look of real carriage garage doors.

Solar-powered path lights are the perfect decorative outdoor lighting solution, with no electricity required.

Cleaning your tiled floors and going over each grout line with a mold-resistant grout pen will magically make it feel like an entirely new space.

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You don’t need to be an expert to build wealth through real estate

BY SUSIE SIEMIONTKOWSKI

M

any believe you either must be wealthy or an experienced Realtor to invest in the housing market. On the contrary — you don’t need to fit either of these criteria to build your net worth. When you diversify your investments with real estate, you avoid counting on the meager interest rates yielded through savings accounts or putting your portfolio at risk with the stock market's volatility.

The key to choosing the most suitable real estate investment is to consider your goals, budget and risk tolerance. A savvy real estate agent can help you find undervalued properties that will offer the most profit and/or cash flow.

The top benefits of investing in real estate are: • Financial security – Real estate generally appreciates, as we have seen dramatically over the past two years. Of course, there are

August 2022

•

•

times when home values fall, but the market typically bounces back. If you are prepared to hold your investment long term, you likely will see appreciation and greater profits when it comes time to sell. Many people use real estate as part of their retirement plans because they can sell or rent to supplement retirement income.

You're the boss – Unlike the stock market, where you rely on the company you invest in and the whims of investors, real estate lets you control rental income and how long you own the property.

Tax benefits – When you invest in real estate to buy, hold or rent, you can write off your expenses as a business owner.

FLIPPING AND RENTING

Fixer-uppers are another investment opportunity for either flipping potential or a rental income stream. Remember that you will need a budget to buy and renovate the property. Having a network of professional contractors to either

consult about the repairs or complete them is a must.

For flips, be sure you know the potential value after renovation to be sure you walk away with a profit. If you are considering rental properties, a Realtor can help you find those that are tenant-occupied, saving the step of finding occupants.

GENERATIONAL WEALTH

Sometimes referred to as family wealth or legacy wealth, generational wealth includes financial assets passed down from one generation to the next.

You can accumulate generational wealth through real estate investing. Doing so is a great benefit for all on the receiving end, especially young adults just starting out, as they can use the funds through the real estate sale or rental income to help pay for college, start a business or make a down payment on a home.

Susan Siemiontkowski is a Realtor with Coldwell Banker Alfonso Realty. Reach her at (228) 239-2621 or susiesellsthecoast@gmail.com.

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45

COASTAL GARDENING

How to make your garden a hummingbird haven

BY DARLENE UNDERWOOD

W

ho doesn’t love watching the antics of the many birds that populate Mississippi gardens? Among the most adored are hummingbirds. Luckily for us, we often see the ruby-throated hummingbird, but did you know there are more than a dozen different species west of the Mississippi?

Sightings of rufous, black-chinned and calliope species have been reported along the Gulf Coast.

Hummingbirds are migratory, and you will see more of

them during March and April as they head north and again in September when they return south. It is possible to have hummingbirds in your yard all summer, although they have strong instincts that lead them to move on at the “right” time.

Here are some tips to make your yard a hummingbird favorite: • Provide plants that produce nectar. Ideal plants have red or orange tubular flowers. This shape holds large amounts of the desired food at its base. Single-flowered blossoms have more nectar than double ones. Flowers of these plants need to be plentiful from March through October, and although nectar is an adult food, parents feed insects to their young until they leave the nest.

• Don’t place plants too close to a window to prevent accidents. Also, be careful about using pesticides, as they can destroy the insects vital to the birds and their young and may contaminate the nectar.

• Use artificial feeders to supplement major food sources. Use one-quarter cup sugar to one cup water for the food; do not use red coloring.

Make sure to clean the feeder and change the sugar water at least weekly. Use a bottle brush and vinegar or a weak bleach solution to clean. Do not use soap, as it may leave a residue that can be harmful to the birds.

• Make your yard “bird friendly” by attracting other birds to your landscape. Although the Audubon Society maintains that there’s no ideal yard, using native plants will provide the most food and shelter for all birds and wildlife.

• When adding new plants to your yard, consider potential food, shelter and nesting. Plants that provide nuts, seeds or fruits, as well as nectar, will attract wildlife and enhance your bird and wildlife viewing opportunities year around. Adding a water source will fulfill a basic need for birds.

Overall, plan your yard purposefully. Audubon At Home (www.audubon.org) offers a database of plants and trees that are valuable to specific bird species.

Happy gardening and bird watching!

Darlene Underwood is a Mississippi master gardener, national accredited flower show judge and Garden Clubs of Mississippi third vice-president. Reach her at darlene.underwood@att.net.

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47

WHY WATER PLAY IS GOOD 7 FOR YOUR LITTLE ONE – AND HOW TO DO IT

BY MALLARIE WIESE

Y

ou may find some serious sillies happening during your bedtime and or morning routine involving water.

Some days, you might enjoy the splashing and giggles, and others, you may just want to brush your teeth and get on with it.

Incorporating water play a couple times a week throughout the day will help teach baby the appropriate time to play with water while still allowing him or her to enjoy the benefits of this sensory play, like development of hand-eye coordination, motor skills, understanding of mathematical concepts and problem-solving ability, as well as sensory exploration and increased focus.

You can play with water in many ways — some big, some small. Enjoy an afternoon at the pool or the beach, or keep it

simple at home with these activities: • Make a pouring station out of random cups and pitchers.

• Stir up some citrus soup with water, oranges and lemons.

• Play with sponges and bowls • Give your toy cars a bubble bath in the sink • Find a fun Jello mold and make some ice • Grab random objects and a big bin to predict if they will sink or float No matter how you choose to incorporate water play into your routine, know that lots of learning is happening — and you get to be a part of it!

Mallarie Wiese is owner of Color Me Monti, a Montessori-inspired lifestyle and interior decorating studio born from her love of design and the Montessori method of education.

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ÜÜÜ°Ü > ÃV V«>° iÌ THE BENEFITS OF WATER PLAY FOR YOUNG CHILDREN

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" " 9ÊEÊ" -/ /, • They develop fine and gross motor skills through actions like scrubbing, splashing, stirring, pouring and squeezing.

• They develop problem-solving skills as they think creatively, observe and explore.

• They learn about science and math as they compare, measure, count and see concepts such as volume and weight demonstrated in a fun way.

• They build social and communication skills as they engage in water play with others, learning how to share, cooperate, play a role in a team and work toward a common goal.

• They enhance their ability to concentrate as they become immersed in the activity — a skill that will serve them well in the classroom.

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t may still feel like summer, but the new school year officially has arrived. From crayons and notebooks to clothes and computers, back-to-school shopping is one of the most expensive times of the year for families. Here are some suggestions for ways you can save:

TAKE STOCK OF WHAT YOU ALREADY HAVE

Before heading to the store, look around your home and check your child’s backpack to see what supplies you could use for the upcoming school year. You’ll be surprised how many items you’ll discover that still have plenty of life left.

Things like erasers, pencils, pens and notebooks don’t have a shelf life.

SHOP WITH A PLAN

Make a list and set a budget before you go shopping. Make note of how much you’re willing to spend on various items on the list and try to stick to it. If you have older children, this process can be a valuable lesson in personal finance.

WAIT TO BUY

Don’t feel pressured to get every item on your child’s supply list before the first day of school. Ask the teachers which items are needed right away and purchase any remaining supplies later. You may get better deals in September and beyond.

While you’re out checking off the school shopping list, thinking beyond school needs could save you money in the long run. Back-to-school sales aren’t the only reason to stock up on classroom essentials for your kids. You can use discount school supplies later.

Navigator Credit Union has 12 branches along the Mississippi and Alabama Gulf Coasts. Learn more at navigatorcu.org or call 800-344-3281.

COMPARE PRICES BEFORE YOU BUY

Do your research, and scour the sale papers for the best deals. Then, take your shopping list and flyers to one store and ask for a price match. Many big-box stores will match the price if it’s the same brand. This is a terrific way to save time and effort while getting the best price in town on school supplies.

TAKE ADVANTAGE OF TAX HOLIDAYS

Dozens of states hold a sales tax holiday to offer parents some relief. During these days, sales tax will not be levied on clothing, shoes, some accessories and school supplies if the sale price of a single item is less than $100. Many cities and counties also waive local sales tax during the sales tax holiday.

Get Ready for Fall with a Back-to-School Loan from Navigator!

Buying new backpacks, electronics, textbooks, a long list of supplies and new clothes can get expensive.

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When submitting an application for a Back-to-School Loan, you are authorizing Navigator Credit Union to pull credit in order to make a determination on your request. All offers are subject to credit approval and membership eligibility. Rate may vary depending on individual’s credit history and other factors Rates and product offerings are subject to change without notice. Interest accrues from loan funding. Federally insured by NCUA.

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IN-PERSON VISITS ARE BACK FOR

ADOPT A GRANDPARENT DAY

BY JENNIFER GENTILE

T

he pandemic may have forced Adopt a Grandparent Day to adapt, but the effort to visit, cherish and celebrate local seniors has rebounded stronger than ever.

Kathy Rogers, who founded the initiative in 2014 and now serves as executive director, sought to address the epidemic of loneliness among the elderly.

On Adopt a Grandparent Day, which falls on Sept. 10 this year (and always falls on the Saturday before National Grandparents Day), hundreds of volunteers visit nursing homes throughout South Mississippi.

Although in-person visits weren’t possible for the last two years, the observance went forward in a different form.

“Even when faced with something like COVID, our team did not back down,” Rogers says. “We came up with the idea for treasure boxes to continue our support.”

Volunteers stepped up to create and help deliver laminated cards, letters and drawings, as well as decorated treasure boxes stuffed with gifts and prizes for each facility. Individuals, businesses and community groups made donations from an Amazon Wish List to fill the treasure boxes with enough items for each resident.

“We were so glad to see our Gulf Coast community step up and help ensure our local seniors felt cherished and celebrated, even during a pandemic,” says Board President Kate Black.

In 2021, Adopt a Grandparent reached over 2,300 nursing home residents across 37 facilities. This year, organizers expect to serve even more. One-hour, in-person visits will resume, and the popular treasure boxes also will continue and be delivered on Sept. 10.

As Adopt a Grandparent Day becomes a two-pronged outreach, businesses and organizations are encouraged to adopt a participating facility — which involves buying, decorating, filling and delivering treasure boxes to their facility and providing volunteers for in-person visits.

The goal, Rogers explains, is that the sponsor will form a bond with the facility and continue offering support year-round.

“If we can help raise awareness, we believe people will begin to make natural connections and ‘adopt’ facilities and residents on their own,” she says. “This is how a real difference can be made.”

HOW YOU CAN HELP

Adopt a Grandparent Day falls on Saturday, Sept. 10, and is an opportunity to honor the life and value of seniors in our community. Here’s how you can contribute: 1. Create and mail cards, letters and artwork to 15431 O’Neal Road, Suite B, Gulfport, Mississippi, 39503, by Aug. 26. If you can collect multiple items, a drop-off point can be arranged. These items will be laminated and included in the treasure boxes.

2. Volunteer to help laminate.

• Laminating Day 1: Tuesday, Aug. 23,, 9 a.m.-1 p.m.

• Laminating Day 2: Tuesday Aug. 30, 9 a.m.-1 p.m.

3. Purchase and decorate a treasure box and deliver to the address above by Aug. 19.

4. Buy items from this Amazon Wish List: https://smile.amazon.com/ hz/wishlist/ls/3E08ZHU5MXJLS/ ref=cm_go_nav_hz and have them shipped directly to Adopt a Grandparent (see address above) to be received by Aug. 26.

5. Consider having your business or organization adopt a facility and accept the task of completing and delivering the treasure box yourself. Monetary donations are welcome to help purchase items for the facilities.

6. Volunteer to help fill treasure boxes at a packing party on Saturday, Sept. 3, from 10-11 a.m. at 14281 O’Neal Road, Gulfport (Northwood Church).

7. Volunteer to visit residents in person on Sept. 10. Volunteers will spend one hour with the seniors, participating in games and activities. Registration for this will open this summer.

For more information or to register for volunteer opportunities, call (228) 2065902 or visit www.adoptagrandparentday.org.

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August 2022

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Tips for teaching your children about money CREATE LEARNING OPPORTUNITIES:

BY ARIEL CHAMBERLAIN

A

s a parent, we want the best for our children. That means we must teach them about money early in life.

For many adults, discussions surrounding money, income and savings are considered taboo – which often is due to their own upbringing. In many households, you just didn’t discuss finances with your parents.

Times have changed, and studies have shown that children who lean about money at a young age grow up to be financially responsible adults. Following these simple tips can lay the foundation for your child’s financial success:

LEAD BY EXAMPLE:

Your children want to do whatever you do, so setting a positive example with your financial habits is a great start.

If you constantly are making impulse purchases, they will think this is OK and want to do the same.

TEACH THEM ABOUT SAVING:

One of the essential habits to learn early and reinforce often is saving. The easiest way to start is with a clear savings jar or piggy bank. Allowing your little ones to watch their money grow will be exciting for them. If your children are a little older, take them to the bank and open a savings account. Allowing them to make their deposits gives them a sense of independence.

SHOW THEM THAT THINGS COST MONEY:

When you are out shopping, include them in your purchasing decisions. Explain why you chose a particular item over another and how the value influenced your decision. This concept also will help them understand budgeting.

SHARE THE VALUE OF GIVING BACK:

By instilling in your children the value of helping others and contributing to worthy causes, you allow them to understand gratitude and generosity. They also will learn to be content with what they have and less likely to fall into the comparison trap.

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August 2022

Children must learn that money is earned and not given. An allowance is an easy way impart this lesson. By assigning them certain chores to complete to earn their allowance, you help your kids understand the value of money earned versus money given.

While money conversations can be intimidating, having open, honest conversations about this topic with your children is a vital part of their development. Teaching them to make smart financial decisions now sets them up for future success.

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Is hybrid learning here to stay?

FROM HUNTINGTON LEARNING CENTER

Before 2020, hybrid learning may not have been a familiar term to parents of school-age children.

Today, most families have experienced it firsthand.

But is hybrid learning — the blend of in-person classroom instruction and online learning — here to stay? Or can parents expect to see less of it in the post-COVID era?

were forced to find new ways to continue delivering quality education remotely, and one workable strategy was reducing the number of students in a room or building at one time.

Many K-12 schools have returned to full in-person learning with no intention of embracing a hybrid model again. However, a January 2022 school survey from the Institute of Education Sciences reported that 62 percent of all public schools offer hybrid learning to all students, and 38 percent offer it to some students.

IT MIGHT BECOME A CHOICE FOR STUDENTS Hybrid learning may no longer be a requirement, but it could be a preference. Students today are digital natives who have grown up with technology playing a major part in their lives. The pandemic highlighted the importance of ensuring that normal aspects of life can continue, even if not in person. That means many schools quickly moved to offer computers to all students and improve their digital tools and curriculum.

Going forward, students in some areas might continue to have remote or hybrid learning available. Because it relies on online content more heavily, it works well for students who are selfstarters and work well on their own.

WHETHER IN PERSON OR ONLINE, ENGAGED LEARNING IS ESSENTIAL HYBRID LEARNING ISN’T NEW Colleges and universities have been using hybrid learning for years, largely due to the rise of the internet and an increased demand for flexibility. Not all college students are full time, and many juggle work with work and family responsibilities. Online course offerings were once a rarity, but they now are a staple of most college course catalogs.

Many students seek the best of both worlds: an in-person learning experience with an online component. This is a win for larger colleges too, as hybrid learning allows them to stagger how many students are on campus at one time.

HYBRID HAS ENTERED THE K-12 WORLD Colleges and universities have embraced online classes and hybrid learning for a while, but the coronavirus pandemic thrust K-12 schools everywhere into this model. Administrators

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August 2022

Whether students are back in the traditional classroom or still learning via a hybrid approach, the rules of engagement are the same. Students must put in the effort and the work to keep up in school, as the expectations will be the same.

If your student wants to lay the groundwork for a strong school year in the fall, now is the time to prepare. Summer is the best opportunity for tutoring so your child can build the confidence, study skills and motivation to succeed. If there were problems last school year, summer is also a great time to address any learning gaps before a new year begins.

The Huntington Learning Center Gulfport is located at 8950 Lorraine Road, Unit E, Gulfport. Contact the center at (228) 2062353.

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CAREGIVER CORNER

HOW TO ENCOURAGE

SENIOR INDEPENDENCE – AND WHY IT’S IMPORTANT

DR. TRACY DANIEL-HARDY

S

ome may wonder why I let my parents slowly complete a task that I could accomplish much faster. In truth, I’m just helping them maintain their independence as safely as possible.

When I empty the many small trash cans around my parents’ home, I often hand momma and daddy a bag so they can help line the waste baskets. Momma immediately grabs her bag and goes about the task; she often enjoys being busy and helpful.

Daddy, on the other hand, prefers not to be bothered and doesn’t like doing chores. When I hand him a bag, he shoots me an unappreciative look. He grabs his bag with an annoyed gesture and either immediately or eventually places it in the trash can nearest him. I ignore the gesture and piercing looks, but I always express or show my appreciation. I think he secretly likes being helpful.

Sometimes I decide to seek daddy’s assistance with opening a jar, tightening a screw or sorting out some dilemma I’m having. I usually can do those things alone but prefer getting his assistance. He often acts annoyed, but he helps his “baby girl” anyway. Then, there are things that he can do, but he doesn’t want to get up or change positions and asks me to do them instead. I usually encourage him to do them himself. Although he gives me an annoyed look and sometimes smarts off and says he’ll ask his son-in-law for help, he usually will do it himself in the end.

I don’t do this to be mean or vindictive. I want to encourage their mobility and independence as much as possible because both are important to their quality of life. I have read that having a sense of purpose helps seniors live longer with a better quality of life. We know that being physically active can reduce dependence on other people and medications and can help reduce or eliminate the impact of diabetes, hypertension, inflammation and other medical concerns.

Some days, my parents can accomplish the tasks I give them with little to no assistance, and other days, I abandon the requests altogether due to an injury, ailment, or weakness they’re experiencing. The chore list below is based on tasks they previously enjoyed or accepted as their responsibility before aging and dementia slowed them down.

• Take out the trash in the house, then bring the trash can to the curb and return it to the backyard once it has been emptied (Daddy)

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• Wash dishes (Momma) • Wash and/or fold laundry (Momma) • Replenish the refrigerator with water and soda (Momma and Daddy) • Change or help change the bed linen (Momma and Daddy) • Generate a grocery list (Momma) • Help take groceries into the kitchen and put them away (Momma and Daddy) • Take used dishes to the kitchen (Daddy) • Choose clothing to wear to appointments and events (Momma and Daddy) • Prepare or help prepare a meal (Momma) • Check the mail (Momma and Daddy) • Retrieve the newspaper (Momma and Daddy) I also encourage them to engage in activities they traditionally have enjoyed. I urge them to reach out to grandchildren, siblings and other relatives and friends to increase their cognitive and social activity. Love, engagement and sense of purpose are all important to seniors.

Encourage independence and responsibility because it is good for those in your care. It may take them longer to accomplish the task than it would if you did it yourself, but the benefits outweigh any delay.

Dr. Tracy Daniel-Hardy is the author of “The Adventures of Butch and Ruby: Chronicles of a Caregiver” and director of technology for Gulfport School District. She may be contacted at tracy@ drtracydanielhardy.com.

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August 2022

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style

Be a

sun-kissed goddess with these summer makeup essentials

Temperatures are still soaring, which means we’re relaxing at the beach, by the pool and in any body of water we can find. Summertime is all about sporting our best vacationready looks — think tanned, bronzed and glossy.

To go from poolside lounging to dinner al fresco at your favorite beachside hangout, you’re going to need some reliable products that can take the heat. Here are some items you need in your makeup tool kit for summer and beyond:

BLUSH

MOISTURIZER

BRONZER

The sun can be brutal to the skin.

Applying sunscreen and using protective products will ensure your skin stays radiant and healthy. Serums and moisturizes also are essential to achieving a natural, healthy glow. I recommend Charlotte Tilbury Magic Cream (30 ml, $64, www.sephora.com).

COMPLEXION

You can use foundation or tinted moisturizer if you like. However, I think playing on the natural pigmentation and oils in your skin maximizes the look we’re going for. NARS’s Tinted Moisturizer ($46, www.ulta.com) feels very light and airy. It evens out the skin tone while providing very light, yet consistent, coverage. Another option I like is MAC Studio Radiance Face And Body Radiant Sheer Foundation ($39, www.ulta.com). It is breathable, buildable and has a flawless finish.

BY BRITTNEY M. JOHNSON Brittney M. Johnson is an independent makeup artist based on the Mississippi Gulf Coast. Reach her at mbrittneyjohnson@ gmail.com.

Whatever the season, I love to see the skin regain its color, or get a bit of enhancement, by adding blush.

Cream-based blushes melt into the skin, creating a natural appearance.

Warm tones go well with that Havananight glow we’re trying to achieve. Add corals, peaches and berries to your collection for a bit of fun. Some blushes even have an extra layer of dimension with a pinch of shimmer and sparkle.

I recommend MAC Powder Blush in peaches ($28, www.ulta.com) or NARS Blush in orgasm ($32, www.sephora. com).

Now for the fun part — there are plenty of amazing bronzers on the market. I saw a few brands even pair theirs with a blush in their kit, such as NARS’s Summer Unrated Blush and Bronzer Duo ($45, Narscosmetics. com). Another good option is the Hoola Matte Powder Bronzer by Benefit ($32, www.ulta.com). Grab that bronzer and apply it to contour your skin for that nice, beach-ready look. Some bronzers contain shimmer while others provide a matte finish, so test several to find the one that suits you.

HIGHLIGHT

I was taught you can apply certain makeup oils to the skin, like MAC Prep + Prime Essential Oils ($28, www. nordstrom.com) to achieve that glowy, fresh-faced look.

Swipe on your favorite lipstick or gloss, and you are ready to slay the rest of the summer!

www.gcwmultimedia.com

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g n i l l i Sp her secrets SHERRY STROTHER is an Oklahoma native who relocated to

the Coast in 2018. Her career in the beauty, fashion and pageant industry spans more than 40 years and includes print modeling, television commercials, runway, numerous pageants and more. A state and international title holder, Sherry founded the MS Senior World national/international pageant, which brings together women ages 50 –79 to boost their self-confidence, have fun and showcase their accomplishments.

She’s tried a host of cosmetics, and here are some of her favorites:

‘MY GO-TO MAKEUP REMOVER’ ‘BEST FOR MY BUDGET AND As a mature woman, I need to give MY LASHES’ my skin plenty of moisture each day.

Albolene is my go-to makeup remover.

It’s extremely affordable, has a long shelf life, and I love the moisturized feel it gives.

Girlfriends, I have tried them all, seriously! The best mascara for my budget and my lashes is Maybelline Great Lash because the wand is so nice and separates your lashes.

‘MUST-HAVE FOR MY SKIN’

PAMPER YOUR LIPS

Perricone MD is an absolute musthave for my skin. I use this highpotency, face-finishing-and-firming tinted moisturizer each morning. All the wonderful antioxidants, vitamin E and kukui nut seed oil provide hydration.

MAKE A DIFF

Don’t forget your sunglasses to keep your look retro glam! DIFF Eyewear is my favorite of favorites. Did you know they have helped provide the gift of sight to over 2.7 million people in need?

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August 2022

With the Coast’s heat and humidity, my favorite lip augmenter is Image Skincare Ormedic Sheer Pink Lip Enhancement Complex. Wear it for moisture either as a gloss or over your lipstick.

SHOW YOUR SKIN SOME LOVE

We all need a great blurring and brightening primer. I really enjoy Becca Skin Love, which is infused with glow nectar brightening hydra complex. Let it set a few minutes before applying your favorite foundation or skin tint.

‘LOOK YOUR BEST WITH LITTLE EFFORT’ Yellow face powder helps conceal imperfections. YBF Neutralizing Pressed Powder reduces shine and sets your makeup so you can look your best with little effort. Wear it alone or over foundation. Plus, it’s paraben-free, of course!

‘THE BEST VALUE YOU WILL EVER FIND’

For your face, hair and nails, castor and argan oil are the best value you will ever find for your face, hair and nails. After taking off your makeup each evening before bed (Makeup removal is a must, ladies!), apply the castor and argon oils and feel your skin say, “Thank you, gorgeous!”

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Carla Biasi is a shopping and styling professional, Find her and learn more at facebook.com/carlabstyle and https://www.linkedin.com/in/carla-biasi.

#STYLEME

Maximize your look with a

maxi dress

BY CARLA BIASI

Ready to ramp up your style in one fell swoop?

Add a maxi dress to your wardrobe. Maxis are a quick, easy and stylish closet staple that’s perfect for summer. You truly can never go wrong with this trend. If you have vacation plans, maxi dresses and skirts are also great for travel — especially those in a jersey material that won’t wrinkle.

Get creative with hoop earrings. The half-moon design is very trendy.

A maxi dress, like this beauty, can elevate your look effortlessly.

Half-moon hypoallergenic earrings, Christina’s Unique and Personalized Gifts (shopchristinaballas. com) — $11.95

Stack bracelets using hinged cuffs and bangles; they are easy to remove.

Tat2 bracelets, Lee Tracy Boutique in Ocean Springs — $242-$310

Pleated halter maxi dress, White House Black Market (whbm. com) — $195

Accessorize with a statement ring that highlights the color of your dress.

Fleur de Lis diamond band, W.P. Shelton Jewelers in Ocean Springs — $6,550

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August 2022

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71

Botanical Print Lowback One Piece Swimsuit, Tabitha Brown for Target, $40; Striped Cover Up, Tabitha Brown for Target, $30

Red Ipanema OneShoulder Mini Dress, Farm Rio, $165

Macaw Leaves OneShoulder Midi Dress, Farm Rio, $275

Dopamine dressing delivers an instant

MOOD BOOST I

BY JASMINE BALL

can’t believe we’re already in August — the hottest month on the Coast. Being well aware of that fact, I already know what I’ll be wearing. Choosing looks, especially this time of year, is all about boosting your mood through fashion, and there’s even a name for it: dopamine dressing.

Dopamine dressing involves wearing colors, textures or styles that trigger a rush of the feelgood chemical dopamine.

It’s an easy, simple way to increase your energy, lift your spirits and do the same for those around you.

Friends and people I meet often ask me how I choose what to wear to certain

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August 2022

events and how I’d describe my personal style. These questions are difficult to answer, especially because I dress based on how I feel on any given day. I always try to add a fun print or a color like Kelly green or yellow to generate some positive vibes as I start my day.

A great example of soul-affirming, happy fashion is Tabitha Brown’s line for Target. The actress, vegan foodie and social media maven is so much fun and takes a lot of colorful risks, which I adore. The brightness she brings to everything she does is reflected in her pieces.

One of my favorite items from her collection is the botanical print puffsleeve mini dress. It’s so colorful in all the right ways and perfect for summer.

I have this dress, which surely will turn heads and get compliments. The whole collection is all about feeling good and embracing and expressing who you are.

The brand Farm Rio also delivers a huge dose of dopamine with its latest line. From jumpsuits to dresses, the unique prints in these pieces are showstopping. The tropical flair infused in many of the items makes you feel like you’re on vacation.

Whatever your style, this is the perfect time to try something new. You can ease into dopamine dressing gradually if you are not a person who gravitates toward bold prints, textures and colors; it’s all about wearing what makes you feel good.

Jasmine Ball is a Mississippi fashion, beauty and lifestyle blogger. Connect with her via Instagram (Miss_Ball23), her blog site (www.theball-post.com) or by email at theballpost1@gmail. com.

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FIND THE PERFECT OUTDOOR DÉCOR AT

Yard Stuff O

BY JENNIFER GENTILE

ne enduring effect of the pandemic: It changed the way we view our homes.

Holed up in our properties for weeks and months on end, many of us turned to our outdoor spaces for some respite and a change of scenery. The home improvement business boomed as people upgraded their yards, gardens and patios.

And Yard Stuff, the Gulfport business founded

by George Wilson in December of 2021, continues to meet the local demand for fun, stylish outdoor décor. After retiring from the U.S. Navy, Wilson went on to work in the commercial landscaping business for 15 years.

“I was inspired to open this store up from a store that is very similar to it back in my hometown of Tupelo,” he says.

Wilson got into landscaping because he’s always loved being outside, so owning a business that caters to other outdoor enthusiasts suits him well. When deciding what to call the business, he figured he’d keep the name simple, “so Yard Stuff it was.”

As for the location on Gulfport’s Tennessee Avenue, he says, “I chose this location because I believe this part of the Gulf Coast has a sense of community, I also know locals enjoy self-owned and local businesses.”

Yard Stuff customers can shop for all sorts of unique pieces to decorate their outdoor spaces.

The store carries a variety of furnishings, signs, chairs, swings, spinners, lawn ornaments and

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August 2022

more. Whether you’re strolling through Yard Stuff or scrolling through its Facebook page, you’ll find whimsical pieces like metal pigs and flamingoes and functional-yet-fashionable items like Adirondack and rocking chairs and wooden benches.

Much of the store’s pottery and metal work comes from Mexico, Wilson says, and most of its wooden furniture is crafted by the Amish.

“We have a better selection and better prices (than our larger competitors),” Wilson adds. “I travel to suppliers and hand select all the items.”

The biggest challenge so far, he says, has been keeping enough inventory to fill the 3,000 square-foot space. Nonetheless, Wilson plans to grow the business by offering new items and adding a full-service nursery at the same location in the fall.

“The most rewarding thing to see,” he adds, “is how happy my customers are bringing their new doodads home.”

IF YOU GO

Yard Stuff 4803 Tennessee Ave., Gulfport (228) 870-5111 Closed Monday and Tuesday, 10 a.m.-7 p.m. Wednesday through Saturday, noon7 p.m. Sunday www.facebook.com/GeorgeWilson5150

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AN UPSCALE RADIANCE SPA

SERVICES

Yoni/VSteams | Henna Brows | Lash Extensions Brow Lamination | Eyebrow Extensions | Body Cavitation Laser Lipo | Wood Therapy | Yesotherapy | Teeth Jewelry Mesotherapy | Detox Sauna Blanket | Teeth Whitening Butt & Breast Lift | PRX-T33 | Lunchtime Facelift Lash Lift | Body wraps

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August 2022

8930 Lorraine Rd. Suite F | Gulfport (228) 896-6823

Melanie Robinson Elite Mrs. Mississippi 2022, Queen of the World Pageant

Voice and Acting Instructor, Rock U 2 Performing Arts Melanie moved to the Ocean Springs area in 2021 with her husband Clark for a military move to Keesler Air Force Base. Originally from Fremont, Michigan, Melanie's life as a professional singer/actor/director has taken her around the world (Greece, Monaco, Germany) and the USA (Texas, Georgia, NY, Florida, California) and she now teaches Voice and Acting for Rock U 2 Performing Arts. She is a 2 time Elite Mrs. Mississippi (21. 22) and will compete at the international pageant Queen of the World in 2023, championing #beautyisnotasize and #beautyistimeless. Now recovered and healthy from years of disordered eating, Melanie is spreading awareness to women and girls to love their bodies at every stage.

@melaniegrayrobinsonofficial melgrayrobinson thecurvyqueenmel.com

NEW WINNERS EACH MONTH!

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ENTER TO WIN! www.gcwmultimedia.com

79

weddings

The Club at Diamondhead One of the most memorable moments of your life, the day you have always dreamed of — your wedding day —is approaching.

The most important day of your life deserves a setting as special as the day itself. At the Diamondhead Country Club, that setting lies just a bouquet’s throw from our golf course and beautiful grounds.

(228) 255-2917 diamondheadms.org

VENUE STATS

CAPACITY

200

ABOUT

The Diamondhead Country Club and Golf Academy of Diamondhead are located in the center of Diamondhead and offer two 18-hole championship golf courses, the only indoor/outdoor golf academy along the Mississippi Gulf Coast and 5,400 square feet of meeting and banquet space. In addition, our full-service restaurant features an excellent a la carte menu, chef specials, lunch and dinner specials and a fabulous Sunday brunch.

DEPOSIT

Yes

ON-SITE CATERING

Yes

We take pride in providing exceptional food, drinks, service and atmosphere. We offer a wide range of banquet selections sure to please all. Our catering specialists and chef will work with you to create a wonderful memory for you, your family and your friends.

OUTSIDE CATERING ALLOWED

No

CANCELLATION POLICY

Yes

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August 2022

Photo by Jessie Newton Photography

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August 2022

1

health

SMALL CHOICES CAN HAVE A DR. HAMZA MINHAS

BIG IMPACT ON CANCER RISK

“You are one decision away from a totally different life.” — Mark Batterson Being diagnosed and treated for cancer can be the most significant event in a person’s life. The impacts go beyond the cancer symptoms and side effects of therapy. This journey affects the lives of the patient’s family members and caretakers in varied and numerous ways.

It’s worth noting that routine habits can have a profound impact on our future. Many cancers are preventable. Basic lifestyle modifications can significantly impact the incidence of cancer. These changes not only will reduce your cancer risk, but also improve your long-term health.

SMOKING CESSATION

Smoking is the biggest preventable cause of cancer.

Unfortunately, with the incidence of smoking being so high, lung cancer is the most common cancer, except for skin cancer, in the United States. Smoking causes a staggering 30 percent of all cancer-related deaths in the United States. A smoker loses, on average, 13 years of life due to tobacco use. Smoking also is related to other cancers, including breast cancer, prostate cancer, head and neck cancers, pancreatic cancer and urinary/ bladder cancer.

Smoking cessation not only reduces the risk of cancer, but it also may improve the outcome of cancer treatment. Various resources are available to help with smoking cessation, including patches, prescription medications, support groups and

behavioral therapy. We encourage you to talk to your health care provider about smoking cessation and not give up until you have successfully quit.

DIET

Dietary choices also can affect cancer risk. Consuming large amounts of red meat has been associated with increased incidence of colorectal and advanced prostate cancer. A large study recently showed that a Mediterranean diet, rich in fruits and vegetables, whole grains, seafood, nuts and legumes, can lower cancer risk by up to 12 percent. Several studies have shown that intake of low-fat dairy products protects against breast cancer in premenopausal women.

EXERCISE

Physical activity and exercise have been linked to a reduction in the risk of colon and breast cancer. A large meta-analysis recently showed that risk of colon cancer was reduced by 24 percent in the most active individuals versus the least active individuals.

As we can see, lifestyle modifications can certainly decrease the likelihood of developing cancer. We all should make a conscious effort to ensure our lifestyle is as healthy as possible so we can enjoy life to the fullest.

Dr. Hamza Minhas is a physician with Memorial Physician Clinics specializing in hematology, internal medicine and oncology.

Reach him at (228) 575-1234.

www.gcwmultimedia.com

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Losing your hair?

HERE’S WHAT YOU SHOULD KNOW

BY DR. PHILIP L. LEVIN

“Hair brings one’s selfimage into focus; it is vanity’s proving ground.”

– Shana Alexander When a woman sees a doctor due to hair loss, aka alopecia, the physician considers many potential causes — including genetics, hormones, a medical condition, chemicals and trauma. Stress, nutrition and medications all may be contributing factors.

The normal hair follicle actively adds length to the hair for two to eight years, followed by a two-to-four-month rest period. Thus, about 90 percent of scalp hair is actively growing. Most people’s hair grows about six inches per year.

Humans have about 100,000 active scalp hair follicles and lose about 100 strands of hair each day. New ones grow to replace those lost strands, hopefully keeping a balance. As we age, the new follicles are weaker, producing thinner, more fragile hair.

The most common cause of female hair loss is hormonal change, such as that caused by loss of estrogen during menopause. Called androgenic alopecia, this loss of female hormones induces a gradual recession of hair along the hair parts. Half of all women will show this pattern by age 80. Other hormonal changes may result in hair loss, such as the fluctuations occurring during pregnancy, childbirth and the use of birth control pills.

Medical conditions that cause hair loss include thyroid disorders, anemia, autoimmune diseases (lupus), polycystic ovary syndrome and skin conditions such

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as psoriasis and seborrheic dermatitis. A stress-related condition called alopecia areata will create temporary circles of baldness in random patterns on the scalp.

Many medications can cause hair loss, including those used for depression, cancer, heart disease, hypertension, gout and arthritis. Check the side effects of your individual medicines to see if those could be contributing factors. Heavy metal poisoning, such as exposure to mercury or thallium, are rare causes of hair loss.

Others include scalp yeast or fungus (such as ringworm), infections causing high fever and certain diseases such as syphilis. Radiation therapy for cancer often results in alopecia.

Physical trauma can cause hair loss, too. Certain hair styles put stress on the roots, like tight cornrows. Chemicals in hair dyes or permanents can poison the hair follicles. Long-term emotional stress depresses hair growth and sometimes results in a hair-pulling disorder. Even a single stressful event, such as surgery or a severe weight loss, may cause a sudden, noticeable hair loss.

Hair is the fastest growing tissue in the body, so to maintain healthy hair,

proper nutrition is essential. Vitamin A helps skin glands make an oily substance called sebum that moisturizes the scalp and helps keep hair healthy. However, too much vitamin A causes hair loss.

Deficiency in either vitamin D or the B vitamin biotin results in hair loss. Vitamin C is needed to create the collagen found in hair. Healthy hair requires vitamin E, zinc and iron.

To maintain that healthy crown, treat your hair kindly with mild shampoos, gentle brushing and good body nutrition.

If your hair loss seems extreme, visit your physician for blood tests.

Dr. Philip L. Levin is a retired emergency medicine specialist in Gulfport. Learn more or contact him at www.Doctors-Dreams.com.

Scan here to watch Dr. Levin's video

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SPONSORED CONTENT

SCHOOL IS IN SESSION! Charles Caplis, DPM, AACFAS

A new school year is starting for everyone and with that comes a multitude of extracurricular activities for children and parents.

Sports and other activities for our children are beginning, some may attend dance, lacrosse, football, soccer, cross country running, etc. During these activities parents may get the occasional, “Mom, Dad, my toe hurts”. Now, we all know that children can be prone to “picking” or “peeling” at their toenails. This inevitably can cause ingrown toenails and infections.

The new shoe gear along with the new increased activity on their feet and mixed with the habit of “picking” at their toenails is a bad combination. This combination is a recipe for skin infections and ingrown toenails. Yet, these minor infections and ingrowing toenails can easily be treated with oral antibiotics and a minor procedure to remove the ingrown toenail.

to not pick at their toenails and always remember to cut the nails straight across to prevent ingrowing toenails.

Also, make sure that their shoe gear for whatever activity they are now participating in fits their feet and toes properly, not causing too much pressure to their nails.

If your children or (you parents) have toe or foot pain or injury be sure to reach out to us at Foot Specialists of South Mississippi - CHARLES CAPLIS , DPM, AACFAS

A lot of times children think they will have to lose their entire toenail, but that is only in specific cases. The majority of the time we can remove the offending border and keep the remaining nail intact. Patients have immediate relief once the nail is removed. This is a gratifying procedure for patient and for the provider, to be able to provide instant relief. There is some minor wound care at home following the procedure with foot soaks and application of wound ointment and a bandaid or bandage. Remember to inform your children

R EQ U EST YO U R CO N S U LTAT I O N TO DAY 86

(228) 818-2801 | www.msfootspecialists.com | 999 N. Halstead Road, Ocean Springs

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LEG VEINS?

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Going with the flow GET BACK IN BALANCE WITH THIS QUICK, EASY YOGA ROUTINE

2

BY MARIA BARR

For many of us, a new school year is starting. Maybe you're sad that summer is ending, or you’re nervous about a new journey ahead for you or your children.

Perhaps you’re ready to make the most of your extra free time now that the kids are back in class.

However you’re feeling as a new season approaches, you can slay this mini yoga flow and push away any fears. Yoga is extremely beneficial for the mind and body — building strength, balance and flexibility while relieving pain and helping you unwind.

While your body is engaged in this flow, your mind is tasked solely with finding and keeping stillness with each pose. Go through each posture on one side, repeat on the other and end with a seated meditation.

WARRIOR 2:

Stay in the starting lunge position, rotate your torso to the side, lower the arms to form a T and lengthen from the front arm through the back arm.

EXERCISES:

1

WARRIOR 1:

Stand in a lunge position, reach the arms overhead and slightly open the chest with an extension of the back. To modify, place your hands at your heart in prayer.

3 SIDE ANGLE:

Staying in the same lunge position, side bend toward the bent leg, lower your forearm to the knee (modification) or reach your hand toward the floor; bring the back arm toward your ear.

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4

WARRIOR 3 TO HALF MOON:

From the same lunge position, rotate your torso forward, lift your back leg off the ground, place your hands at your heart and hold.

Then rotate the torso to the side, place both hands onto the ground and slowly lift your top arm toward the sky while keeping your back leg on the ground. Modify by keeping both hands on the ground.

HIGH PLANK:

Place both palms and feet on the ground; straighten both arms and legs, position shoulders over the wrists, and hold. Modify by placing your knees down while keeping the hips extended.

5

6 COBRA:

From a high plank, slowly lower your hips to the ground, extend your spine and take your gaze up with your chest slightly open and lifted. Modify by taking it to your forearms.

8

7

CHILD’S POSE FROM DOWNWARD DOG:

Move back to a high plank, then shift your hips back over your heels with your palms down and arms outstretched.

DOWNWARD DOG FROM COBRA: Tuck your toes, lift your hips and drop your head between your biceps.

Maria S. Barr is a fitness instructor, educator and entrepreneur who serves as brand manager and a master trainer with Barre Intensity. Reach her at maria@barreintensity.com.

Repeat the entire series from the top on the other side, and finish with a seated meditation for one minute. Namaste!

Scan here to see Maria do the exercises.

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89

Vein care has come a long way

BY DR. KEITH THOMPSON

M

ore than half the population over the age of 50 is affected by the common, and often embarrassing, condition of varicose veins. These veins can affect the appearance of your legs and even cause more serious complications if left unaddressed.

Varicose veins typically are caused by abnormal function of the small valves inside the veins, which can lead to blood pooling in the legs and causing bulging veins and leg swelling, as well as leg heaviness and pain. Sometimes blood clots can form and damage the veins further.

Years ago, the only treatments for large varicose leg veins involved surgery whereby incisions were made and the veins were “stripped” out. This procedure was understandably painful and involved some risk. Fortunately, his surgery is now essentially obsolete. Vein treatments have come a long way in recent years, and now, most leg vein issues can be resolved with quick and simple in-office procedures.

Let’s dive into some of these office-based treatments that are essentially painless and require little to no recovery: • Laser treatment: A small laser fiber is guided by ultrasound into the varicose vein, causing the vein to collapse,

and blood is then redirected into the healthy veins deeper inside the leg.

• Sclerotherapy- Medication is injected into the spider veins to make them disappear.

• Microphlebectomy: Larger varicose veins that aren’t candidates for the above options may ultimately require removal through a few tiny microincisions in the office with local anesthetic.

People sometimes delay treating their leg veins because they dread having to go to a cold, uncomfortable medical facility. Patients often will see a physician who only treats veins part-time as a small part of his or her medical practice.

For patients to receive comprehensive vein care, it’s important to seek out a practice that is 100 percent dedicated to venous treatments.

Dr. Keith Thompson is a vein specialist, board-certified vascular surgeon and owner of the Vein Institute of South Mississippi. Reach him at (601) 336-8368.

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WORLD BREASTFEEDING WEEK: WHEN THE GOING GETS TOUGH, MOMS KEEP GOING FROM MEMORIAL HEALTH SYSTEM

T

he first week of August is World Breastfeeding Week, and many new moms have a breastfeeding story. Maybe they intended to exclusively breastfeed for the first six months or the first year or two, but a roadblock obstructed that goal. If you need support, many resources can help you get back on track.

The World Health Organization recommends that mothers breastfeed for the first two years of life, and the American Academy of Pediatrics recently announced a similar recommendation, calling for more support for breastfeeding mothers.

Tiffany Hills, international boardcertified lactation consultant, and Sandra Johnson, certified lactation consultant, offer support and guidance to moms through the Breastfeeding Center at Memorial. When asked how a working mom should prepare for returning to her job and continuing to breastfeed, Hills says, “Create a pumping routine, and research the different pumps that are

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available that are more convenient for pumping on the go. There is a learning curve to pumps, and we offer support with that. “One of my goals as a lactation consultant is to make returning to work and pumping an easier transition for the working mother, which will help extend the mother’s breastfeeding goals.”

Johnson adds, “A lot of moms will tell us that family members are worried about watching the baby because the baby is exclusively breastfed. We encourage moms to pump and leave milk with their partner or family member to support them when they need a break.”

Both experts recommend taking a breastfeeding class before the baby arrives. Hills adds, “Bring the people who will be watching your child so they know what to expect and they can support you adequately.”

Roadblocks include a lack of education about breastfeeding, unrealistic expectations about feeding patterns and how much a baby needs, limited support from family and difficulties transitioning to the workplace postpartum.

Here are some ways that expectant and new moms and their families can access help and resources: • Find out how many lactation consultant visits are covered by your insurance.

• The Breastfeeding Center offers consultations, nursing supplies,

free prenatal information, educational information, and more. Call (228) 867-4053 or visit wearememorial.com to learn more.

• If you have chosen to stop breastfeeding and want to start again, speak to a lactation consultant for guidance.

• Find your local La Leche League group to get support by visiting lllusa.org.

• Breastfeeding information is available through WIC by visiting wicbreastfeeding.fns.usda.gov.

• BabyTalk prenatal classes are available for free, except for Infant CPR. Call (228) 575-2299 or visit wearememorial.com for schedules.

• U.S. Department of Labor’s Wage and Hour Division can help you determine whether you have the right to take breaks to pump at work. Call the helpline at 1-866-4USWAGE for support.

Remember that wherever you are in your breastfeeding journey, help is available. If breastfeeding did not work for your family, let go of the guilt and remember that a fed baby is best.

Memorial offers both primary care services and virtual visits. Learn more by visiting wearememorial.com or by calling (228) 867-5000.

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Getaways are good for you, so get packing!

S

BY KAROL BRANDT

ummer is my favorite time of year!

When you hear “summer,” what comes to mind?

I think of vacationing. I see me, on the beach, relaxing and surrounded by emerald-colored water and white sand while collecting shells, paddle boarding and watching the sunset — just unplugging and recharging.

And here’s some great news: taking a vacation is good for your body, mind and spirit.

Can you buy a ticket to a better mood? Hop a flight to a healthier heart? As it turns out, yes, you can!

Numerous studies have shown taking time away from the job can have physical and psychological benefits. People who take vacations have lower stress, less risk of heart disease, a better outlook on life and more motivation to achieve goals. Across the board, there’s evidence that vacations can improve everything from blood pressure to energy levels. And that does not just apply to wellness escapes; you don’t need to splurge on a destination spa or book a trendy hotel.

Regardless of the trip’s duration, one way to amplify the upside is to spend time in nature. We are blessed with so much natural beauty on the Gulf Coast, and yes, a staycation is a fun way to unplug without having to travel far.

Need more of a nudge to take that welldeserved break? Here are some ways a vacation can improve your health and wellbeing:

INCREASING MINDFULNESS:

If you notice feeling more present, more stimulated and more tuned into the moment while away from home, it was not

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your imagination. When we travel, we usually are breaking our routine, which means we can’t operate on autopilot. That decreased familiarity allows us to be more fully present, to really “wake up.” While mindfulness can be its own reward, it also reduces stress and increases happiness.

REDUCING STRESS:

It goes without saying that vacations reduce stress, which is known to negatively impact blood pressure, cholesterol levels and other health metrics. Even knowing that a vacation is coming can keep stress at bay.

BOOSTING YOUR BRAIN:

It is well known that relaxation can amp up your creativity. Science has found that the “aha” moment usually arrives when you’re free from tension and anxiety. That is why you have your best ideas in the shower, on a walk — or on vacation.

Upon returning from vacation, workers often are more focused and productive. Time off can tune up a well-functioning brain.

LIFTING YOUR MOOD:

Psychologists call the times when it feels like you are the most present, experiencing transcendent moments of pure joy and elation, “peak human experience.” It doesn’t usually happen in the office, but it does on a vacation.

Neuroscientists have found that brain structure is altered by chronic exposure to the stress hormone cortisol, which can be a major contributing factor to anxiety and depression. Feelings of calm arise from time away, which allows the body and mind to heal in ways it could not if it were still under pressure.

Taking time away from the stresses of work and daily life can improve our health, motivation, relationships, job performance and perspective and give us the break we need to return refreshed and better equipped to manage whatever situations arise. So go ahead; book that trip. Wishing you a happy, healthy summer!

Karol Brandt is an executive host with Scarlet Pearl Casino Resort, as well as co-author of the Amazon best-seller “The Struggle is Real: Finally Break the Dieting Cycle, Transform Your Mind and Body, and Evolve into The Person You Have Always Wanted to Be” and the “30-Day Evolve Challenge Journal.” Contact Brandt by email at karol.brandt@scarletpearlcasino. com, Facebook/ The Struggle Is Real or Instagram at karolbrandtnola.

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OMAN GULF COAST

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food & fun

Treat yourself to fresh, flavorful fare at

FIELD'S STEAK & OYSTER BAR

W

ith outstanding cuisine and terrific ambiance, not to mention the charm and character of a historic building, Field’s Steak & Oyster Bar is the ideal place to enjoy steaks, seafood and other delicious specialties.

You’d be hard pressed to find a better setting for an intimate evening with someone special or a celebration with friends.

Field’s opened in March in the former Magnolia Hotel, which was built in 1847 and added to the National Register of Historic Places in 1973. After the hotel closed, it became home to the Biloxi Mardi Gras Museum before being restored

by Chef Field Nicaud and his brother, Jourdan Nicaud, to create an upscale steakhouse in the heart of Biloxi.

Chef Field opened his first restaurant in Bay St. Louis after studying at the Institute of Culinary Education in New York and working at multiple award-

BY CHRIS DEARMAN

winning restaurants. His upscale, yet casual, restaurant quickly became one of the area’s premier dining spots.

After finding success in Bay St. Louis, Chef Field had planned to try a different concept in Biloxi when acquiring the building. However, after Hurricane Zeta washed out the foundation in October 2020, a month before the new restaurant’s planned launch, he decided to stick with what worked and opened a second steak and oyster bar.

During this time, he hired his Ole Miss college friend, Baileigh Reardon — who was cooking in Charleston South Carolina, when COVID hit — to be executive chef for both restaurants.

Chef Field convinced him that bringing his cuisine to a new audience on the Gulf Coast was an opportunity he couldn’t pass up.

“We are 300 yards from the Gulf of Mexico — some of America’s best fishing

grounds,” Chef Baileigh says. “I’m an outdoorsman and fisherman, and I understand what’s in the ocean. If you know what to go after and how to treat it right, you can start to broaden guests’ horizons.”

My girlfriend, Lauryn, and I got to experience this firsthand on our recent visit. Our wonderful server, Erica Castaing, started us off with a delightful whipped ricotta and baguette with Georgia pecans, herbs, balsamic-infused olive oil and a little honey, as well as a fresh Yellowfin tuna crudo with avocado salad, pecan romesco sauce, an Italian basil-based salsa verde and house-made sourdough baguette crisps. You can’t go wrong with either of these starting your meal.

Next up was Chef Baileigh’s favorite starter, his version of shrimp scampi.

Featuring Gulf shrimp with his take on a very traditional scampi sauce, it’s topped

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with a fried softshell crab and garlic baguettes that are perfect for soaking up the juices.

It is almost obligatory to try some oysters, and the gris gris oysters were on point. In a twist on the chargrill recipe, some smoked peppers are added to the garlic butter, herbs, Crystal hot sauce, and parmesan.

For our entrees, Lauryn had the Gulf catch, which that evening was Louisiana redfish over blackened lump crab and collard rice, drizzled with remoulade sauce. Each bite provided big bursts of flavor. I went with the surf-and-turf special. Presented on a cutting board, the perfectly cooked, tender and juicy ribeye sat atop an eight-ounce crab cake and asparagus, flanked by two fried softshell crabs and topped with a mound of blackened crab meat. There was easily enough food to share, and the high-quality meat didn’t disappoint.

To end our meal, we experienced the joy of cracked pie with a side of vanilla ice cream. The brown sugar pie can best be described as the filling from pecan pie without the pecans. When baked, the top gets nice and crispy, so it cracks apart when you put your spoon through it.

We’ve already made plans to return.

“Tourists and locals who want to experience the freshest local seafood and generously seasoned steaks seared with Wagyu beef tallow in sizzling, cast-iron skillets should join us here at Field’s Steak & Oyster Bar Biloxi,” says general manager Bill Yockey. “Our goal is to blow guests away with superior flavors created with the best locally sourced ingredients.

Come enjoy a memorable experience with our family, where you’ll have the freshest

local seafood and most flavorful steaks in comfort and style.”

Besides the beautiful dining room, Field's offers balcony and porch seating for outdoor diners, and the restaurant is open Wednesday through Saturday for dinner. Sunday brunch offers half-off oysters on the half shell and $10 jumbo bloody marys and mimosas. A steak date night promotion on Wednesdays offers a $45 meal consisting of two steaks, a shared side and a salad. On Thursdays, Field’s highlights charbroiled oysters with an $8-per-half-dozen special. A Bourbon Appreciation Club is in development that will feature 70-plus bourbon selections, and a third-floor addition also is in the works to accommodate private parties of up to 30 guests. Don’t leave without seeing the dazzling bling in the mirrored tile bathrooms.

FIELD'S STEAK & OYSTER BAR 119 Rue Magnolia Biloxi, MS (228) 207-4137 www.fieldssteaks.com www.facebook.com/FieldsBiloxi

Enjoy 15% off our Gift Cards Lunch & Dinner Specials Jerk Tuesday – Wings, Chicken, Turkey Legs & Fish

Try Our Specialty Cocktails!

Downtown Biloxi | 273 Caillavet Street, Biloxi MS 39530 bonfirerestaurant.net | 228 - 271 - 6830 Wed & Thurs 11am - 7pm | Fri 11am - 8pm | Sat 11am - 9pm | Sun 11am - 6pm

Per ez Owners, Pepe -Gollot & Lilian Per ez

10027 CENTRAL AVE, D'IBERVILLE, MS

(228) 396-0044

www.gcwmultimedia.com

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Creating the‘WOW’ factor CREATIVE ELEMENTS PRODUCTIONS SPECIALIZES IN THE SPECTACULAR

BY KELSIE DOVE

D

enise Baumann is bringing color, excitement and innovation to events and venues throughout the Southeast with her company, Creative Elements Productions.

“My company is an agency, so we book talent,” she says. “We can also do full front-to-back production of any live shows. I work with the best lighting guys, the best sound guys, the best entertainers …. Also, for about the last six years, we’ve been producing commercials, film and television.”

Baumann’s clients include several Coast casinos; she provides services ranging from costumes, hair and makeup to entertainment and headliners for the Beau Rivage, IP and Golden Nugget; dancers for the Hard Rock; and award-winning commercials and state-of-the-art food styling and photography for the Scarlett Pearl. Baumann’s company also has been entrusted with the food styling and photography for the Nicaud Food Group restaurants and the entertainment at downtown Ocean Springs bars like Rooftop Taco & Tequila Bar — among several of the local businesses she works with.

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“Everything I do, whether it’s a small or big job, is going to have the same amount of energy, love and quality put into it,” she says. “And quality is seen in layers, whether it’s a stage show, a video, a costume or a wig. You can tell the difference between, ‘I thought of this five minutes ago,’ and, ‘I thought of this five months ago.’”

This dedication to quality has been recognized with numerous accolades, including more than 25 American Advertising Federation Awards, eight Telly Awards and a 228 Award.

“At the end of the day, I want to create something cool and beautiful,” Baumann says. “People see quality, and that’s what I try to do.”

‘A TREE THAT HAS THREE BRANCHES’

She describes Creative Elements Productions as “a tree that has three branches.” The agency branch deals with entertainers — booking them, guiding them and helping them be seen and get work. The creative branch helps venues create eye-catching events through costumes, hair, makeup and professional production.

The third branch, video production, helps companies with marketing and branding. However, Baumann explained that she is working to move video production under the umbrella of her second company, Creative Elements Consulting, Branding and Marketing.

“They’re two companies, two LLCs, but they both have the same mission: to help companies be innovative and current with what they’re producing,” she says.

Whatever the event, Creative Elements can be counted on to bring the “wow” factor. Guests may be greeted by a model donning a “champagne dress” that holds 100 glasses, or by “mermaids” lounging by the pool. They also shouldn’t be surprised to see aerialists, contortionists and other talented entertainers displaying their unique skills.

“I want to create something that makes people look up and enjoy what they’re looking at and be engrossed in what they’re seeing,” she says. “And I want to create income and revenue for my clients because that’s what will keep them calling me back.”

‘WE WERE A MUSIC HOUSE’

Baumann’s love of the creative productions industry came from experiencing the varied cultures of her mom’s native South Mississippi and her dad’s native New Jersey, as well as a childhood filled with music.

“I remember in the 90s, my dad had all these huge home speakers,” she recalls. “We were always jamming to music, whether it was hip-hop or rock, the Eagles or the Quad City DJ’s. We were a music house even though he wasn’t a musician.

Music was always playing and bumping.”

These surroundings cultivated Baumann’s love of the loud, chaotic and music-filled entertainment environment.

“It just felt natural,” she says.

Baumann began working in community theater early in life, at first singing and performing. But around age 15, she found herself more interested in the backstage roles.

“I started messing around with old wigs from the thrift store,” she says. “I would get everyone’s money and go to the thrift stores to get their costumes. It’s really cool to think that I was paving the way to my actual career right then.”

After honing her craft for a few years in local theaters, Baumann had the opportunity to work with the Biloxi Grand Theater. The venue planned to host a production of “Starlight Express” and reached out to local theaters for help with costumes.

Baumann came onboard with the Grand at age 18, which marked her introduction to live theater and entertainment.

“I remember I loved it,” she recalls. “I loved the smell of the electrical burning, the hotness of the lights, the chaos — all the hot actors and the glittery costumes, the sewing machines and the glue; I just loved it. I felt like, ‘Yep, this is where I’m supposed to be.’”

Baumann worked on multiple shows at the Grand, but she set her sights on the Beau Rivage and Cirque du Soleil. She looked up the head of wardrobe in the Beau Rivage directory, asking if help was needed in the wardrobe department.

“He said, ‘Do you have a life?’” she recalls. “I said, ‘No.’ And he

said, ‘Alright, yeah, you can come work here.’”

Baumann worked with George, the wardrobe director who hired her, for nearly a decade, and he taught her more about costumes, makeup and wigs. Eventually, she helped not only with the theater productions, but also with the costumes in the nightclub and anywhere else she was needed.

Then, after several years working as an independent contractor, she founded Creative Elements Productions.

CREATING ‘SOMETHING COOL’

Today, Baumann’s companies serve clients from throughout the region, including Atlanta, Georgia; Tunica, Mississippi and Destin, Florida. She specializes in helping her clients develop and realize their visions for events, productions and marketing.

“I try to focus on what they’re trying to do and paint the picture for them, and then they go, ‘Yes, that’s exactly what I wanted,’” she says. Baumann begins the process with a conversation so she can fully understand her clients’ goals, timeframe and budget. Then, she starts offering ideas and suggestions.

“I encourage things that will go back to social media or that will be seen on the phone because I think phones are the best marketing with our day and age,” she says. “I like to create something cool that someone will want to take a picture or video of and then post — and then my client is associated with it.”

Baumann stressed that many times, small business owners may feel her services are out of their reach financially, and she hopes to dispel that idea.

“If you’re a Mississippi small business, and you feel like you have a beautiful boutique or a beautiful restaurant, don’t feel intimidated or assume you can’t afford the correct productions or marketing materials,” she says. “I would love for people to reach out and see if there’s something we can work out. I want people to feel happy and proud of what they’ve done ….”

www.gcwmultimedia.com

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Blue Dog Bistro is a place where great people come together to positively impact our guests, each other and the community we serve.

1801-A Government St. | Ocean Springs | 228-447-4023 | bluedogbistro.com bluedogbistro Golf Cart Taxi Service: 228-297-1234 |

Monday – Closed

|

Tuesday - Sunday 7am - 3pm

Private Parties/Catering and Gift Cards Available!

1301 26th Avenue | Gulfport, MS 39501 | (228) 206-2744 www.rackhousesteaks.com

Jumbo Lump Crab Imperial Filet

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Specialty Coffees

In addition to some of your favorite dishes from The Blind Tiger Restaurants, TBT Butcher Shop offers a wide variety of fresh seafood and quality meats.

TBT BUTCHER SHOP & Seafo od market 102 E Beach Blvd. | Pass Christian, MS 30571 | (228) 493-6050 | TBTButcherShop.com

ade

Food is M

Fresh Daily

Small Bites Menu Beer on Draft and in Bottle CATERING AVAILABLE for Pickup or Delivery DESSERTS Made from Scratch

Enjoy your favorite Daiquiri while the kids pile on the FroYo!

PASTRIES - SANDWICHES SALADS - SOUPS COAST ROAST COFFEE

2079 East Pass Road | Gulfport

www.nezatys.com | 228.897.1139 HOURS: Monday-Friday 7-5 | Saturday 8-2

The Pass Daq & FroYo - It’s All About Family!

Meghan Bailey, Carolyn and Chauncey Philan, Owners

125 Davis | Ste B | Pass Christian, MS 39571

228-222-4628 www.gcwmultimedia.com

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BY JOY MONNERJAHN

Joy Monnerjahn is the owner of The Bayou Belle, where you will find many Louisiana recipes. She grew up in Southern Louisiana and enjoys bringing the flavors of her home to her dishes. Learn more at https:// www.purejoyliving.net, and reach her at purejoy@purejoyliving.net.

WHAT’S FOR DINNER Cajun grilled pork chops with ginger sauce

Need a new recipe that’s perfect for the summertime and packed with flavor? Fire up the grill and try this tasty pork chop recipe from Joy Monnerjahn, The Bayou Belle:

WHAT YOU’LL NEED: • 6 thick-cut pork chops • ½ cup low sodium soy sauce • 1/3 cup lime juice • ¼ cup sugar • 2 tablespoons apple cider vinegar • 6 teaspoons grated ginger • Slap Ya Mama original blend seasoning, to season each side of the pork chop

Sauce: • ½ cup low sodium soy sauce • 1/3 cup lime juice • ¼ cup sugar • 2 tbsp apple cider vinegar • 6 teaspoons grated ginger

1 HOW TO MAKE IT: 1.

Mix your marinade and soak your pork chops overnight, flipping halfway through. If you can’t soak them overnight, at least give them about three hours to soak.

2. Heat coals (you may use gas, or a pellet grill); goal heat is about 350-400 degrees).

3. Sprinkle each side with Slap Ya Mama seasoning (or your favorite Cajun blend).

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2

4

4. Place each chop, spread out, onto a hot grill.

5. When you see the bottom closest to the hot grill becoming cooked, flip them over so the other side can cook.

6. Check the internal temperature with a thermometer before removing; goal internal temperature is 145 degrees.

Remove the meat and let it rest while you make the sauce.

7. In a nonstick pan on high heat, bring sauce ingredients to a boil. Boil for

6

7

about five minutes. It will thicken in the pan even after cooking.

8. Slice, pour sauce on top, serve and enjoy!

Scan here to watch Joy make the recipe

Scratch Kitchen on the Beach The best burgers and po-boys I’ve had in a long time…this just may be my new go-to Bay St. Louis hangout.

rvice

115 S. BEACH BLVD – BAY ST. LOUIS

te Che iva f Pr

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Chef Joe Castoro and Michelle Beauregard, at their new location on the beach in Old Town Bay St. Louis.

Offering

~ Julian Brunt, Food Critic/Sun Herald

Call 228-344-3114 for more information

ANOTHER UNCLE JOE’S OPENING SOON IN OLD TOWN BAY ST. LOUIS DEPOT DISTRICT!

The Best Authentic Mexican Cuisine and Margarita’s!

Juan Tequilas

PLEASE VISIT US AT OUR 4 LOCATIONS LONG BEACH - 306 Beach Blvd. | SAUCIER - 18369 Highway 49 WAVELAND - 485 Highway 90 | BILOXI - 1737 Pass Rd.

Celebrating 15 Years in diamondhead

16829 KAPALAMA www.gcwmultimedia.com

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ENJOY FABULOUS CUISINE AND COCKTAILS WITH STUNNING SUNSET VIEWS!

Our Executive Chef, Jean-Paul Lavalee, has been a chef for 33 years. Like many chefs, he got his inspiration from his mother, by helping in the kitchen to prepare family meals. His love of creativity in the culinary arts is what drives his passion. “One fresh ingredient and my mind goes crazy with all the possibilities,” he said. When he is not in the kitchen, he loves to mentor young chefs and those interested in the profession.

HOURS (Reservations Encouraged) TUESDAY - THURSDAY 4:00 - 9:00 | FRIDAY & SATURDAY 4:00 - 10:00 SUNDAY BRUNCH 10:00 - 3:00

217 E. Beach Blvd. • Long Beach 228-265-7086 • parrishslbms

FAMILY FRIENDLY MENU & ICE CREAM TREATS Our Upper Deck with Beach Views is ideal for Birthday Parties!

107 COURT ST. – BAY ST. LOUIS

Starfish Café where returning to the sea of life is accomplished with hands on life and restaurant job skill training. We sponsor an OTJ training program for teens 16-18.

WE SERVE FRESH HAND CRAFTED ITEMS TO SUPPORT A WELLNESS LIFESTYLE! Starfish Cafe is an outreach program of PNEUMA Winds of Hope, Inc., a non-profit incorporated in 1998.

10408 Highway 603 – Bay St. Louis – Exit 13 on I-10 112

August 2022

fill your cup

Be still and know

BY ROBIN KILLEEN

Psalms 46:10 says, “Be still and know that I am God.” Now, I must admit that I have not yet mastered some parts of this passage. While I truly love God, want to know Him more and am so thankful He saved me, I don’t love the part of this verse that says, “Be still.” That certainly is not one of my natural abilities. I find silence awkward, and I don’t enjoy sitting still. I am a work in progress.

This reminds me of the story about two sisters, Mary and Martha, from Luke Chapter 10. Mary and Martha opened their home to Jesus as he traveled with his disciples. As Martha hurries to ensure the preparations are perfect, Mary chooses to sit at Jesus’s feet.

Mary and Martha may be sisters, but their priorities are very different. While Mary soaks in the moments with Jesus, Martha can't think past the cooking and cleaning. Martha becomes irritated with all the work she is doing alone and starts complaining. Martha says to Jesus, "Lord, don't you care that my sister has left me to do all this work by myself? Tell her to help me!" Jesus replies, "Martha, Martha, you are worried about many things, but only one thing is needed.

Mary has chosen what is better, and it will not be taken away from her."

Mary treasured the time with Jesus and focused entirely on his presence. When Martha complained, He gently reminded her of what her focus should be: building a relationship with Him. Martha certainly showed amazing gifts by welcoming Jesus and his disciples, but she got lost in the distractions.

Martha’s actions in and of themselves were about hospitality and service —two honorable qualities. 1 Peter 4:9–10 describes hospitality as a spiritual gift, and Romans 12:6-8 describes service the same way. The problem with Martha’s actions weren’t that she was doing things God doesn’t value. Rather, Martha chose to concentrate on the spotlessly clean house, a beautifully set table and perfect meal instead of sitting at Jesus’s feet.

This world contains many distractions, and it can seem overwhelming. What we can do is set aside time each day to pray and read His word.

When we put first things first, He offers us peace amid chaos and concerns. His grace is sufficient, and His mercies are new every morning.

Maybe it’s time for us to stop rushing around and worrying like Martha and instead be still and know like Mary.

Robin Killeen is the founder of W.O.W. Women of Wisdom. Reach her at (228) 424-0098 and learn more at www.wowcommunity.org.

www.gcwmultimedia.com

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5 QUESTIONS WITH

Ruth’s Roots

Here we speak with Elise Deano, manager of Ruth's Roots — a community garden in Bay St. Louis.

WHAT IS THE PURPOSE AND MISSION OF RUTH’S ROOTS?

Ruth's Roots is a place of peace, education, empathy, art and compassion.

Its multi-faceted mission is to: 1) provide a free place for families to visit where there are numerous activities and things to engage visitors of all ages, 2) help fight food insecurity by providing a blessings box filled with food and a seed library for visitors, 3) immerse visitors in public art, which is everywhere: —on the fence boards, on the ground, on the walls, and 4) provide a place where people can learn about animals, plants, how they grow, the life cycle of butterflies and more.

HOW AND WHY DID RUTH’S ROOTS COME ABOUT?

Ruth's Roots began in 2016. At the time, I was the youth court judge in Hancock County and had just been awarded a juvenile drug court program. I wanted to do something different, and one day, I saw the owner of the lot next door to the courthouse mowing his grass and stopped him to ask if I could use it as a community garden. He excitedly said yes, and the rest is history. The garden grew, and every year brings new features, new plants and new art. The garden has grown far beyond my original vision because of the input of the amazing community it is in.

WHAT’S NEW AND EXCITING WITH RUTH’S ROOTS?

We are always in a state of transition, and I love that about the garden. From a gardening standpoint, this year we have added sugar cane, cotton and

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soybeans to the beds for visitors to see.

I wanted everyone, kids especially, to be able to see some of the crops grown in our area and state and learn about how they are used.

Our butterfly house is full of monarch chrysalises that will be ready to release soon, and we have added outdoor art with more coming soon. Additionally, we have outdoor musical instruments, and my goal is to add more instruments by the end of the year.

WHAT IMPACT DOES RUTH’S ROOTS HAVE ON THE COMMUNITY?

The garden always has had a steady flow of visitors. However, the numbers exploded with COVID. Parents were home with their children, looking for something safe to do, and Ruth's Roots fit the bill. It is outdoors and easy to socially distance. We had picnic tables and added handicappedaccessible tables to ensure everyone could have a great experience.

We try hard to have activities and events for families. We just had an Earth Day celebration featuring upcycled crafts for the kids and a petting zoo.

Seeing the joy in a young person’s face when they get to pet a llama is priceless.

WHAT IS THE GREATEST THING YOU HAVE LEARNED OR GAINED

BY BEING INVOLVED IN RUTH’S ROOTS?

I have learned the truth behind Margaret Mead's quote: "Never doubt that a small

group of thoughtful, committed citizens can change the world; indeed, it's the only thing that ever has." This community has been so supportive of this garden. One group that has made it their mission to keep the blessing box full.

The art community has responded in such a resounding way, and it is apparent when you visit. People donate time, food, plants, books — you name it. It’s pure magic.

We have our blessings box filled with food; a seed library stocked with seed packets; a plant exchange where people can leave plants and seedlings for others; four free little libraries; a fish pond; rabbits; hens (the eggs we collect are donated to Starfish Café, which has a mission of employing and training at-risk workers, which aligns with our mission of uplifting the community); herb gardens, complete with scissors in case you are in the middle of a pork roast and find you need rosemary; and all kinds of seasonal fruits and veggies. Whatever your talent or passion is, you can find a way to utilize it at Ruth's Roots.

BRANDI STAGE PORTRAITURE High Quality Dynamic Photography

The Brandi Stage Portraiture Team creates an extraordinary experience and stunning images for our clients.

Individual & Family Portraits Headshots Personal Branding & Content Creation Editorial & Advertising

228-344-3230 www.brandistage.com

www.gcwmultimedia.com

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Smile Gulf CoaSt Implant, Cosmetic & General Dentistry

At Smile Gulf Coast, we pride ourselves on caring for your physical and emotional well-being in a relaxing and friendly atmosphere.

In our practice, you will receive advanced and comprehensive dental care in total comfort.

Ross Buntyn, D.D.S. and “Randy” Buntyn, D.M.D. 1203 Government Street • Ocean Springs, MS 39564

228.875.3343

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email: SmileTeam@SmileGulfCoast.com August 2022 www.SmileGulfCoast.com