Business Journal 20180501

BUSINESS JOURNAL BIZBUZZ.DJOURNAL.COM

MAY 2018

N I E D A M T S A E H T R O N I P P I S S I S S I M

LANE

Reinvigorating an iconic brand

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Andrew Johnson prepares the motion assembly of a recliner at Lane Home Furnishings in Belden.

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THE NORTHEAST MISSISSIPPI

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UM graduate programs ranked; business at No. 53

OXFORD – The University of Mississippi offers 14 graduate programs ranked in the Top 100 among public institutions.

Seven programs joined the ranks of the Top 100 in the recent 2019 edition of the U.S. News & World Report Best Graduate Schools rankings, adding to seven other UM graduate programs that were previously ranked.

UM graduate programs ranked in the Top 100 are: • Pharmacy (No. 23) • History (tied for No. 38) • English (tied for No. 40) • Business (tied for No. 53) • Law (tied for No. 54) • Political science (tied for No. 59)

• Social work (tied for No. 62) • Clinical psychology (tied for No. 67) • Education (tied for No. 68) • Physics (tied for No. 83) • Mathematics (tied for No. 85) • Chemistry (tied for No. 99) Two online graduate programs at UM were ranked in the Top 100, with online MBA at No. 20 and online education tied for No. 35.

The business program performed exceptionally well in the 2019 edition of the rankings, finishing in a tie for No. 53 among public institutions.

“We are excited for the recognition of our MBA program, and this ranking is a testament to the quality of our faculty and the outstanding educational experience that we

BRIEFS

MAY 2018

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provide for our students,” said Ken Cyree, dean of the School of Business Administration.

“We continue to create opportunities for student success and offer an excellent value in the marketplace for students aspiring to receive an MBA.” Earlier this year, U.S. News & World Report named the university’s online Master of Business Administration as one of the best in the nation, ranking No. 20 nationally.

BNA Bank ranked one of top 100 community banks

NEW ALBANY – BNA Bank is ranked among the top performing banks in the U.S. with assets from $500 million to $1 billion.

BNA is ranked No 54, one of two Mississippi banks. Ranked No. 98 is 1st Bank, based in McComb.

The rankings, analyzing earnings performance from 2001-2017, were compiled by noted banking industry analyst and consultant Alex Sheshunoff.

BNA Bank is a subsidiary of BNA Bancshares Inc., and is headquartered in New Albany with branches and loan production offices in Union, Lee, and Lafayette counties.

In December, it reached a milestone by reaching $500 million in total assets as the bank closed 2017 with more than $507 million, compared to $465.7 million at the end of 2016.. The bank’s net earn-

ings for the year were $5.12 million compared to 2016’s net earnings of $6 million. Net operating income for the year was $6.45 million but BNA incurred a one-time write down of a deferred tax asset of $1.32 million due to the new tax law signed at the end of 2017.

BNA Bancshares paid a record dividend of $2.30 per share for Class A shares and $2.53 per share for Class B shares, representing a total payout of $4,069,415 to shareholders. Also, the bank paid $1,000 bonuses to all hourly wage employees and junior officers due to the new tax law.

BNA Bank has approximately 850 shareholders with branches in New Albany, Myrtle, Belden and Saltillo.

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BUSINESS JOURNAL

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BUSINESS JOURNAL

Lane: Reinvigorating an iconic brand

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approaches 450.

Larry George, the president of United, said in December after the purchase TUPELO – Furniture people making was completed that, “We are excitfurniture. ed about including the Lane brand It seems a simple enough concept, with our United Furniture and Simbut at Lane Home Furnishings, that was mons-branded products, and equally not exactly the case for several years. excited to have the Lane team join the But it was not the fault of the people United Furniture family.” working there. While the company had Lane found the perfect partner experienced and loyal employees buildUnited, which has grown to be one of ing recliners and sofas, the company the largest employers in the state. It was stagnant and failing to register with employs about 3,500 employees at its customers. facilities in Nettleton, Tupelo, Okolona, Once one of the furniture industry’s Hatley, Sherman, Vardaman and Amobiggest players, Lane has been a shadow ry; Archdale, High Point, Lexington and of what it once was.

Winston-Salem, North Carolina; and But that’s changing quickly.

Victorville, California.

THOMAS WELLS | BUY AT PHOTOS.DJOURNAL.COM Enter United Furniture Industries, “We had a strong plan of action when David Byrd assembles a recliner at the Belden plant. which bought Lane from Heritage we went in and bought Lane,” said Home Group for an undisclosed sum Quimby. “We’ve been working that plan last fall, vowing to restore the brand and the industry and the customers back to prominence. away from what we were doing but just the name. They’re also stationary, have really responded. At High Point, And it has made a big step toward enhanced it. Now we have a complete which they’ve done for a while, and we had one of our best markets in our that. good-better-best brand lineup to cover their case goods are amazing. They history. Attendance was twice what it At the recent spring market at High every product for every room at every want that quality back in their product normally was.”

Point, North Carolina, Lane products price point.” and it shows.”

Retailers and customers have told were tapped as “Best Things” by several United’s corporate office is in Verona United and Lane what they expect, and retailers.

– ironically, a former Lane facility – just are finding it, apparently.

FURNITURE Jay Quimby, executive vice president 12 miles away. That has helped in the “They want well-made, AmeriPEOPLE of sales for United, said the company transition for Lane getting integrated can-made products,” Quimby said. had a specific strategy in regards to with United, and Quimby said it has Lane, which was founded in 1912 in “What they saw is United didn’t didn’t Lane. been smooth sailing.

Virginia and merged with Tupelo-based change the quality in Lane. We just en“What we were really after were the “We have talented craftsmen at Lane,” Action Industries in 1972, was once hanced it. We invested and put our own people at Lane,” he said. “It was the hu- Quimby added. “The average tenure one of Northeast Mississippi’s largest foam fabrication in the plant to have man taken, the human asset and ability here is 17.2 years, and that’s experience employers at its peak, with some 3,000 consistency in our seating.” that we were looking for. It’s a great you can’t find. These people are the best workers in plants across the region.

And with United’s buying power, brand with a nice building, and we have in the world at what they do.”

Lane was a part of Furniture Brands Lane also has been able to reduce its some 450 talented people here.”

It hasn’t gone unnoticed by retailers International, which filed for Chapter price structure. Raw material costs are Quimby said Lane is at the perfect who are flocking back to Lane.

11 bankruptcy protection in 2013. Most lower, which also allows Lane to charge complement for United. Along with Lisa Hawkins, the owner of furniture of the assets of Furniture Brands were less to retailers. In some cases, prices its reclining and stationary furniture, store Room to Room in Tupelo, said she bought by KPS Capital Partners for $280 dropped some $100.

Lane’s lineup also includes case goods was excited to see the lineup the commillion, and in the aftermath, Heritage “I think people are happy to see – chests, chest of drawers or dressers, pany has unveiled.

Home Group was formed. furniture people running the company bookshelves and cabinets. Lane’s case “Lane has been a staple in the indusUnited’s purchase of Lane included again,” Quimby said. “There are a lot goods, like its industry peers, are mostly try,” she said. “They’re going back to the the global rights to the Lane brand, the of things that Lane did great. Some sysimported from overseas. way it used to be made, with the tried750,000 square-foot manufacturing tems Lane did better and some systems “If you look at a good-better-best and-true models. For example I have facility in Belden, and Lane’s 202,000 United did better. Now we’re taking the branding strategy, we feel like our customers now calling for the Alpine square-foot Royal Development recliner heritage of both companies and comUnited and Simmons brand had the recliner, which people have bought for mechanism facility in High Point, North bining the best practices of both.” good and better covered really well,” a long time and love it.

Carolina. he said. “Lane was attractive because it “Lane is not just recliners, which is Lane employed about 300 in Belden dennis.seid@journalinc.com Twitter: @dennisseid enhanced our assortment. It didn’t take what you think about when you hear at the time of the purchase, but now

BY DENNIS SEID BUSINESS JOURNAL

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MAY 2018

BUSINESS JOURNAL

1817 BREWERY: Craft beer made here

he said. “I’d never been in a brewery, I’d never seen a brewery. It got to the point where they were like, ‘Look man, you can OKOLONA – At the recent Mississippi Ale make this at your house.’”

House Brewfest in Jackson, 1817 Brewery Having peppered them with questions on won “Best Brewery,” an affirmation for how to set things up to make his own beer, brewery owner Kem Coleman.

Coleman made his first batch.

Coleman’s route to founding his own It’s what he called a “buffet beer” – grabbrewery just three years ago was unusual. bing various ingredients here and there and “When I was about 27, I really didn’t care tossing it in the beer. for beer at all,” he said. “It never had an “To say that it was less than appealing appeal to me.” would be a dramatic understatement,” After getting married and moving to Sparhe said. “It wasn’t bad, but it wasn’t good tanburg, South Carolina, in 2009 Coleman was exposed to craft beer for the first time at either.”

Six weeks and 40 bottles later, Coleman RJ Rockers Brewing.

“They had an incredible peach wheat beer finished off his first creation. Even though it wasn’t the best-thing in the world, it was his called Son of a Peach, and it was phenomvery own. enal. It was a game-changer for me,” he With a beer-making software giving him said. “I thought beer doesn’t have to taste some parameters from which to work, Colethe way I was used to it tasting, which was man’s next concoction was a hefeweizen, a incredibly unappealing.” wheat beer.

Wanting to know more about the beer “It was fantastic,” he said. and how it was made, Coleman was like a Coleman, his wife and their first child kid at a candy store. moved back to Northeast Mississippi in “I was blowing them up with questions,”

BY DENNIS SEID BUSINESS JOURNAL

THOMAS WELLS | BUY AT PHOTOS.DJOURNAL.COM

Kem Coleman, left, the owner of 1817 Brewery in Okolona, credits Adam Morgan, right, the owner of Blue Canoe in Tupelo, for giving him a jumpstart on his craft beer.

MAY 2018

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2013 to be back home near family.

Born in Greenwood and living there until he was 9, Coleman has always considered Amory home.

“I moved back to Amory, and I’m really into this craft brewing thing,” he said. “But Amory is dry. So what do you do?

Well, let’s say you do what you have to. I keep home brewing and continue to work on the recipes.”

Coleman met Charles Sisson, who had helped his mother with some electrical work for free. Sisson also was a craftbeer aficionado. Coleman wrote a letter to think him for helping his mother, and then they hit it off.

Sisson, who had attended several craft beer festivals, exposed Coleman to an even broader range of beers.

“One day, we’re sitting on my back porch, drinking my illegally made home brews, and he tells me it’s as good as anything we can get in Mississippi,” Coleman said. “’You should open a brewery’ he said.”

Coleman laughed heartily.

He was at the time a band director, and the money to start a brewery was just not there.

But Coleman didn’t dismiss the idea entirely.

“I told him I would start craft beer brewery if he started a distribution company,” Coleman said. “He sat there for a second and said, ‘OK, you find out how much it costs to start. distribution company and I’ll do it.’”

And he did.

THE BLUE CANOE CONNECTION

With a distribution company set up as an LLC, the next step was to find customers for the brewery, which Coleman named 1817.

Enter one of Tupelo’s most popular hotspots, Blue Canoe.

With a wide craft beer selection of its own, the Canoe was an appealing place for Coleman.

“I was here a lot and I was always here an on Adam,” Coleman said. “I was like, ‘dude, where’s the new stuff? There’s no new stuff. Why is there no

new stuff?’ I was always on him hard.”

Finally, Coleman asked Morgan if he could provide one tap handle at Blue Canoe if he started his brewery.

Morgan wasn’t sure how realistic Coleman was with his craft beer plans, but was willing to give him a chance.

“I remember we were on the back porch and it was about 10 degrees and I tried it,” Morgan said. “It was a good enough product that I was willing to try it. I knew the fact that it was hyper-local and it would take well. Visitors who come in here ask for a local beer, and we might call a beer made on the coast local simply because it’s made in Mississippi. But we really didn’t have anything local local.

“That’s the cool thing about all this, though. We know Kem, we know his story, he’s right down the street. It’s a great beer and an easy sell for us because there’s a story behind it.”

Morgan said Blue Canoe sells as many kegs of 1817 as any other brewery he has on tap.

Morgan wasn’t exactly blown away by the hefeweizen Coleman had as it lacked enough carbonation. But the flavor was spot-on, and Morgan replaced one hefeweizen tap with Coleman’s.

“We started making beer in 5-gallon buckets with one customer, Blue Canoe,” Coleman said. “And without their support – Adam’s; Miles Patton, who used to work here; and the people in the community – this couldn’t had happened. There was a lot of hardcore support for an indigenous beer, something made here.”

Coleman shifted his beer-making operations from his house to a facility in Okolona.

“I remember making a 10-gallon batch to make just two kegs to take to Blue Canoe, and I was just floored,” he said.

“And things just took off.”

The next customers also were in Tupelo – KOK, followed by Neon Pig. Coleman was concerned at the price of the kegs he was

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very promising,” he said. His hopes are to open by the end of the year or early next year.

And with the growth of 1817, other larger distributors have come calling. That would provide wider distribution not only in the region but across the state.

Getting a larger brewery will be key to that, and Coleman is eager for it to happen.

“This is beer made by Mississippians for Mississippians,” he said. “We’re the only brewery in the state to grow and use their own hops, which was incredibly hard. We’re also the only brewery to cellar our own beer.”

Like any entrepreneur, Coleman had his idea of greatness and where the business would be.

“This thing has taken off like a rocket,” he said. “I genuinely and humbly say we could be in twice he number of accounts and twice the number of taps because that’s how many we’ve been contacted by. But I have to tell people, ‘please wait.’”

Coleman nods at Morgan, giving him credit for helping him get 1817 off the ground.

He also said Morgan gave him advice he’s kept in mind.

“He said, ‘When you make it, make enough of it. Because when people get hooked on it, they get ticked when they can’t THOMAS WELLS | BUY AT PHOTOS.DJOURNAL.COM get it. As long as you supply it 1817 Brewery now offers some three dozen beers. Some are and they stay on it, that’s the best thing that can happen to seasonal, while others are carried year-round. your brand.’”

There are plenty of craft beer happened in about 18 months. selling. Being such a small choices from which people We’re at capacity now.” brewer, he essentially offered can choose, and Morgan said the kegs at the price he paid for he’s seen from experience that them. To cover that cost and GROWTH PLANS customers will move on to othto make a little profit, the beer Coleman has had plans to er beers if their favorite is not also cost a little more coming build a brewery in Tupelo, but available. out of the tap. finding the right place is key.

Morgan refuses to take credit But that was no deterrent There were tentative plans to for Coleman’s and 1817’s sucfor the customers who took to move into the historic cotton cess. They’ve earned it, and he 1817. mill, but since they haven’t looks forward to watching the In August of 2016, Coleman come to fruition, Coleman has brand grow. attracted an investor, allowing searched elsewhere.

“It’s cool to see where he’s him to leave his band director’s “It’s been a roller-coastgoing,” Morgan said. “I really job and brew beer full-time. er ride, but things like that Now 1817 is in seven cities in happen, and it’s nobody’s fault didn’t do anything special exMississippi, 35 accounts and 60 that it hasn’t happened yet,” he cept give him a shot. I know he has plans to keep it going, and taps. said. where it is in a couple of years “That’s a huge testament for He now has his eyes set on will be fun to see.”

Mississippi and for the brand,” another location, with the Coleman said. “We grew acblessing of his investor. dennis.seid@journalinc.com counts very slowly, and all this “That looks, at the moment, Twitter: @dennisseid

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BUSINESS JOURNAL

MAY 2018

MAY 2018

How US small businesses can navigate the trade wars imposed on just 30 percent of steel imports. On Monday he extended the EU’s exemption for The Trump administration another month. has so far avoided a trade fight The extension comes just as with Europe by temporarily U.S. officials travel to China exempting it from hefty steel and this week for talks on a separate aluminum tariffs. Yet the move trade dispute. also extends the uncertainty Amid all the uncertainty, here weighing on small businesses are strategies small businesses that use those materials, a much can follow to ease the blow of broader group than you might trade fights: think.

For example, Gary Cammack, BE INFORMED the owner of Cammack Ranch Many small businesses are Supply in Union Center, South simply unprepared for the Dakota, is worried that he will disruption that could stem from have to raise prices on steel a trade war with China, said barbed wire that he sells to area Stephan Galarneau, vice presiranchers, from $60.95 a roll to as dent for small business at Livinghigh as $67. ston International, a consulting And Erin Calvo-Bacci, firm. That’s also true for other co-owner of chocolate maker CB trade disputes, such as President Stuffers, based in Swampscott, Trump’s threats to withdraw Massachusetts, is concerned from NAFTA. that the duties will ultimately “They’re not ready for a worst lead to higher prices for the steel case scenario,” Galarneau said. tables, rolling racks and molds “You want to avoid being passive she buys. about this.”

Trump slapped 25 percent Many small companies may duties on steel and 10 percent on be more likely to get caught up aluminum in March, citing exin trade fights than they realize. cess imports that have hurt U.S. Perhaps your firm doesn’t immetals manufacturers and naport raw materials or machinery tional security concerns. Yet he from China, but what about your excluded the European Union suppliers? and six other countries, easing The U.S. has published a list the blow and leaving the tariffs of roughly 1,300 products that it

BY CHRISTOPHER RUGABER ASSOCIATED PRESS

AP

A worker checks on rolls of aluminum at a factory in Zouping county in east China’s Shandong province. Small businesses are threatened by higher costs from U.S. steel and aluminum tariffs and by a broader trade fight with China, as steel costs are already higher since the Trump administration announced a 25 percent tariff on the metal in March. has threatened to hit with tariffs as part of a trade dispute. The Trump administration argues that China forces U.S. companies to turn over technology to access China’s market and has proposed slapping duties on $150 billion of Chinese imports. China has responded by threatening to levy duties on $50

billion of U.S. goods.

Benny Andrade, senior logistics manager at Dr. Bronner’s, an organic soap company, said that machinery used to make plastic bottles was on the product list.

The company doesn’t use the machine, but he worries that the provider of its plastic bottles does, which could raise his costs.

LOOK FOR ALTERNATIVES Smaller companies may not have the staff to maintain global supplier networks, but they can still explore alternatives, Galarneau said. In many Asian markets, business relationships TURN TO TRADE, 10

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BUSINESS JOURNAL

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Three North Mississippi Health Services employees are serving in leadership positions with the Mississippi Hospital Association.

• Shane Spees, NMHS president and chief executive officer, is serving as the 2018-2019 chairman-elect of the MHA Board of Spees Governors.

• Marsha Tapscott, NMHS director of marketing and public relations, is serving as president of MHA’s Society for Healthcare Marketing and Public Relations.

The society’s membership includes Tapscott public relations and marketing professionals from hospitals throughout Mississippi. This marks her third term as the society’s president.

• Brenda Johnson, director of Human Resources for NMMCWest Point, is serving as president of MHA’s Society for Human Johnson Resources

NEWSMAKERS

Administration. Her president term began in January and will extend for two years.

was honored with an Exmark plaque during the awards banquet.

Quentin McMillian, laboratory manager for the Pathology Department, was recently named North Mississippi Medical Center’s Employee of the Month.

McMillian McMillian has been with NMMC since 2008. He has previously served as Lead Medical Laboratory Scientist for the evening shift, lead MLS in Microbiology and also as Laboratory Information Systems Coordinator.

He is a graduate of West Point High School and earned a bachelor’s degree in medical technology from Mississippi State University. McMillian earned LEAN Healthcare Certification from Belmont University in Nashville.

Justin Griffin was recently promoted first vice president and loan review officer for Renasant Bank’s Loan Review Department.

Griffin will continue his role in Loan Review, including coor- Griffin dination with Audit Committee, monitoring internal loan risk, collecting action plans and maintaining the department’s scheduling process.

Griffin is a graduate of Mississippi State University with a Bachelor of Business Administration, and he also is a graduate of the Paul W. Barret, Jr. Graduate School of Banking.

Russ Harrington, owner of 4 Seasons Equipment of Tupelo recently won a trip with his wife to Washington, D.C. for being one of the top Exmark dealers in a six-state region.

R.W. Distributors Inc., the Exmark Distributor, awarded the trip to the Harringtons for outstanding sales of Exmark mowers. Russ Harrington

Reid Bostick recently was promoted to market president in Corinth for Renasant Bank.

Bostick will be responsible for managing daily operations and loan portfolios for Renasant’s Corinth and Bostick Iuka markets. Bostick joined Renasant in 2011, having previously

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served as a banking officer.

He is a graduate of Mississippi State University with a Bachelor of Business Administration and a Masters of Public Policy and Finance.

He also is a graduate of the University of Mississippi School of Banking.

Ryan Jenkins, internal audit manager with Renasant Bank, was among 36 professionals who recently attended the Trust Audit, Compliance and Risk Management School offered by Cannon Financial Institute.

TACRM School is a three-year program consisting of 38 hours of classroom instruction Jenkins each year, and diplomas are awarded upon completion of the program. Ryan successfully completed the program with the “Honor Graduate” designation, Cannon’s highest academic distinction.

This designation is given to students who complete each level of the course with a score of 90 or above on each of the comprehensive exams given at the conclusion of each class.

Ryan is a graduate of the University of Mississippi with a Bachelor’s and Master’s degrees in accounting.

Linda McBrayer, manager of coding and reimbursement, was North Mississippi Medical McBrayer Clinics’s Employee of the Month for April.

A graduate of Shannon High School, McBrayer joined the staff in 1995 as a payment poster. The following year she was promoted to patient representative. In 1997 she became responsible for insurance follow-up, and in 1998 she became a coder.

She is a Certified Professional Coder and was promoted to her current role in 2003.

Misty Taylor, Home Health Agency preceptor and resource nurse, was recently named an Employee of the Month for North Mississippi Medical Center .

Taylor Taylor has been with NMMC since 2011. She is a Ripley High School graduate who earned an associate degree in nursing from Northeast Mississippi Community College in Booneville. She is currently working on her master’s degree in nursing.

Mark Stovall recently was named chief operating officer for Oxford Treatment Center.

He joined the center in March, bringing nearly 20 years experience in the Stovall coordination, development and management of inpatient chemical dependency and behavioral health programs.

Stovall is the former director of the Bureau of Alcohol and Drug Services for the Mississippi Department of Mental Health. During his eight years with the department, he led divisions including Adolescent Services, Clinical Services and Treatment Services.

Stovall joins Oxford Treatment Center from Stonewater Adolescent Recovery Center, a private treatment facility located outside Oxford.

A Mississippi native, Stovall has a Master of Education degree in Community Counseling from Delta State University.

He served as director of the Cleveland Crisis Intervention Center, an acute stabilization hospital for seriously mentally ill patients, and as director of adolescent treatment at Region I Mental Health Center-Sunflower Landing.

Stovall is a Certified Addictions Therapist and Certified Mental Health Therapist.

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BUSINESS JOURNAL

MAY 2018

Bill Smith

Shelbi McMillan D.V.M.

Chewy

4340 Mall Drive, Tupelo • 840-0006

Allergies can be a big probThe Orek Dog lem for many. Reducing Allergies in a home can require a multi-faceted approach which should include an efficient Air Purifier.

The Electro-static air Purifier uses a grid of metal plates (Oreck’s trade name is the Trueman Cell). The major advantages of the Trueman Cell is that it is able to capture smaller particles than most Hepa filters. It can capture particles that are .1 micron in size vs. .3 micron.

The biggest advantage of the Trueman Cell is that you will not have to purchase an expensive ($65 to $100) replacement filter every year or so. The Trueman Cell can be cleaned in your sink and has a lifetime warranty.

Since all Oreck products purchased at your local Oreck store have a full 30 day money-back guarantee, come and test drive one for yourself. We are located by the Barnes Crossing Mall in Tupelo and can be reached at 840-0006.

What is the advantage of an electrostatic air purifier?

HOME CLEANING

sandra.hendrix@journalinc.com

Phone (662) 678-1552

1242 South Green Street Tupelo, MS 38804

ASK A PROFESSIONAL

If you have any questions concerning you and your family, contact the advertiser or call, or write:

3353 North Gloster Tupelo, MS Wesson & Mothershed 844-3555 eye Center

Multifocal lens implants are Dr. Matt Wesson often used in cataract surgery to reduce the dependency upon glasses for both distance and near vision after the surgery is completed. As with other medical technology, not everyone will be a good candidate for this type of surgical implant.

Patients with conditions such as diabetic retinopathy, glaucoma and macular degeneration, etc. may not receive the full benefit of these lenses. Also, some patients with corneal scarring or those with significant astigmatism are not always the best candidates for these lens implants either. Your eye care professional can help determine if this lens implant option is right for you.

In orthodontics, “bonding” is Dr. Russell the process of applying orthodontic brackets to the teeth of a patient using an adhesive. The orthodontist uses these orthodontic brackets and other orthodontic materials with the goal of creating a beautiful and healthy smile.

Once these objectives are achieved, the orthodontic brackets are removed (“de-bonded”) and orthodontic retainers are made to hold the teeth in the corrected positions. Metal bands around teeth were used years ago to attach orthodontic brackets to teeth, but are rarely used now.

Currently, most orthodontic brackets are attached to teeth using the bonding method. However, the terms “banding” and “de-banding” are sometimes still used.

AMORY (662) 256-3260 COLUMBUS (662) 328-1521 TUPELO (662) 678-1028

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ORTHODONTICS

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Smoking is the leading William Calhoun, M.D. preventable risk factor for heart disease. Within 2 to 12 weeks after quitting smoking, circulation and lung function improves. After 1 year of no smoking, risk for heart disease is about 1/2 of a smoker’s. After 15 years of quitting, risk for heart disease is same as a nonsmokers. Stopping smoking at younger age adds years to your life. At age 30, you gain 10 years of life expectancy. Quitting after age 50 and you gain 6 years of life expectancy.

If you have had a heart attack, quitting smoking reduces your chance of another heart attack by 50%.

Amy Pietrowski A lawyer cannot simply state they are experts in one area of law unless they are certified as an expert. Certification requires additional continuing legal education courses approved and accredited by the Mississippi Bar Association.

On the other hand, a law firm or attorney claiming it practices or concentrates in one particular area is more generally recognized as defining that attorney’ or firm’s experience as being predominantly in that stated area of law and, is acceptable.

In 2002, the American Bar Association modified the Model Rules allowing attorneys to claim specialization as long as they did not misrepresent themselves as ‘certified specialists’.

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CARDIOLOGY

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Can lawyers claim they are experts in one area of practice?

LAW

113 S. Industrial Rd. Tupelo, MS 662.844.1560

With technology today we Jamie Gunnells have a wealth of medical R.Ph. information at our fingertips.

A quick search can lead to more information than you want to see. There are many websites for drug information but you have to sift thru a lot of information that might scare you and may or may not pertain to your situation. Pharmacists have been called the most accessible medical professional and developing a good relationship with your pharmacist is always a good thing. Your pharmacist should never be too busy to answer your questions and they can distill the information down to what’s important to you.

Bruce Welch Probiotics are live bacteria and yeasts that are good for your digestive system.

Our bodies have “good” and “bad” bacteria. “Bad” bacteria is what makes us sick, while “good” bacteria is beneficial to us. When we take antibiotics for an illness, they also kill the “good” bacteria which can cause stomach upset.

While probiotics are found in certain foods, such as yogurt, taking a probiotic supplement can help keep the digestive tract working well. They are commonly taken to treat ailments such as IBS, IBD and diarrhea.

Sunshine Health Food Store

How will I know if a new prescription is safe with current medications I am taking?

MEDICINE

What are probiotics and how are they beneficial?

HEALTH FOOD

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1655 Hwy. 45 Saltillo | 662.869.5654

Yes. Most definitely. There are several diseases the vaccines help protect against.

One of the most common is Parvo virus. This virus is stable in the environment for years.

It causes severe nausea and bloody diarrhea, possibly resulting in death if not treated quickly.

Puppies require a series of vaccinations starting at 6 weeks of age and ending near 16 weeks of age, receiving a shot every 3 weeks.

Vaccinations are one for the most important things to do for your pup.

Is it really necessary to vaccinate my puppy?

ANIMAL CLINIC

2309 Hwy 145 Saltillo, MS | 662.869.3656

Raised beds are a good choice for gardening in small areas. I encourage customers to pick out several of their favorite vegetables and start there. It is amazing what a 4x8 raised bed can produce if managed right. A good media is essential to the best production. Also, try varieties that are not running so that room can be maximized. A few squash plants combined with tomatoes and peppers are a great place to start. Give a raised bed a try, I think you will be pleasantly surprised.

I have recently purchased a new home and I am now limited on space to garden.

What can I do to still have fresh vegetables in my limited space?

LANDSCAPING

O: 662.840.3018 l C: 662.808.0269 l F: 888.212.5287

106 East Main Street | Suite A | Tupelo, MS

Financial Foundations, along with my 5-Step Process enables me to understand what is important to the client, create a personalized strategy to ensure they achieve their goals, and partner with them throughout their life to keep them on track. Only then can I give my clients the advice they need and deserve.

At Edward Jones, I use our very own, stateof-the-art, proprietary software to help deliver a more complete client experience when it comes to advice. This proprietary software, called Financial Foundations, takes into account all Trey Trapp relevant aspects of the client’s life salary, current retirement assets, 401(k) contributions, estimated retirement living expenses, future Social Security benefit, etc. -- and develops a snapshot of their current financial picture. From there, I am able to use historical models along with a multitude of varying factors such as inflation, current and future tax brackets as well as estimated rates of return and run it through numerous simulations to make sure that the advice I give to the client will align with their goals and further their progress on their journey to and through retirement.

By constantly updating this information, it allows me to offer the client the most accurate advice and a very comprehensive partnership. It also aligns with my 5-Step Process that I use to help clients define and achieve their financial goals: 1 - Where are you today?

4 - How do you get there?

2 - Where would you like to be? 5 - How do you stay on track?

3 - Can you get there?

How do you use technology to help give people financial advice?

FINANCE

505 Robins St.Tupelo, MS| 662.842.5080

I think the most important thing for children’s dental health is for the parents to be involved with the Tom Kellum, DDS children’s dental health. Limiting Dan Kellum, DDS the intake of sugar in the form of sugary drinks, sweets and even fruit juices with a high sugar content is very important, not only to dental health but to the overall health of a child.

Brushing is very important for a child and parents need to observe quality of brushing effort. It is important for the child to learn proper technique and effectiveness and the parent should be there to coach and evaluate the effort.

Fluoride exposure in tooth paste and in water helps reduce cavities. Most bottled water does not have fluoride in its contents. Pedodontists recommend fluoride before the first teeth erupt into the mouth. They also recommend having the child come to the dentist after the first primary teeth come in.

It is a good practice for a child to begin early with these recommendations to have a lifetime of healthy smiles!

• Parents involved in teeth • Limit sugar intake • Brushing most important; parents need to observe quality of brushing effort

What can my children do to improve their dental health?

DENTISTRY

PROFESSIONAL

8

Trade

ly reset prices only once a quarter, so that gives him FROM 6 some predictability and protection. take time to cultivate.

He still has to buy about “Do you know how long 15 percent of his steel on it takes to find a new, secure the open market, where provider in Vietnam?” he prices have risen by as asked. “You don’t just go on much as 26 percent, Arndt the web.” said.

Dr. Bronner’s works with a consultant to maintain at POLISH YOUR least two sources for every BRAND item it imports, said Benny When executives at Dr. Andrade, senior logistics Bronner’s heard from its manager at the soap company. It imports 80 percent Mexican distributors that of the raw materials it uses, anti-American sentiment including coconut oil, olive might hurt sales of its prodoil, and hemp oil, which it ucts, they took an original gets from Canada. approach. The company Calvo-Bacci, meanwhile, made a series of short vidhas checked with her diseos emphasizing the Mexitributor to make sure they can roots of the majority of have enough inventory for its U.S. employees, Andrade her next equipment pursaid. chase. She is also looking “You have to embrace into buying used equipyour diversity, then you are ment instead. more connected,” he said.

WORK WITH (BIGGER) PARTNERS

LOOK FOR LOOPHOLES

For small companies that are part of larger supply chains, getting multinational companies to purchase the necessary raw materials can help weather trade disruptions.

That’s what many auto makers did for their parts suppliers after the George W. Bush administration imposed tariffs on steel imports in 2002. The auto companies now use their purchasing power to negotiate longer-term steel prices that they then pass on to their suppliers.

David Arndt, President of Springfield, Ohio-based manufacturer Pentaflex, says he gets about 85 percent of his steel under contracts with auto and truck makers. They typical-

If a small business really needs a type of steel and can’t find it anywhere in the United States, it can petition for an exemption from tariffs. The White House has set up a process for companies to request exclusions from the steel and aluminum tariffs, if they can’t find what they need in the United States.

Still, Paul Nathanson, a lobbyist for the Precision Metalforming Association, says it can be daunting for small businesses. There are already nearly 5,000 such requests.

Nathanson recommends hiring a lawyer if possible to help navigate the process.

And “be realistic about your chances of success.”

MAY 2018

How interest rates can affect your investments how other countries dealt with such. This culminated with the Federal Reserve Act of 1913, which created the Federal Reserve Bank that was given control over interest rate policy throughout the country.

O

CHRIS COLE

ne of the great outcomes of our modern technology is that it is much easier to watch news coverage from years past.

Recently I came across a broadcast of the evening news from the 1970s, and one of the items was a short 15-second spot about how the Federal Reserve had met and raised interest rates. It was reported with no fanfare and obviously as filler to get to a commercial break.

This struck me, as only several days earlier I had seen the coverage of a recent meeting of the Federal Reserve on one of the news networks to discuss whether to raise interest rates, and it had the anticipation of a Presidential address. An argument can be made that we take the announcement too seriously now, or too apathetic back in the 1970s, but without question when the Federal Reserve raises or lowers interest rates, it has an effect on investors.

To understand how it affects investors, it is good to understand what the Federal Reserve is and where it came from. In 1907, the United States had a bank panic that caused great upheaval in the country’s economy. Many investors, including J.P. Morgan, became concerned that the lack of central control of the banking system exposed the economy to wild swings and began to study

When the Federal Reserve adjusts rates up or down, it is usually in reaction to economic conditions.

Generally, the Federal Reserve lowers rates when economic conditions are slowing so as to make conditions more favorable for borrowing.

This is accomplished by the ability to control the Federal Funds Rate, or the rate banks loan money to each other to meet reserve requirements as established by the Federal Reserve.

As a consequence, many banks established what has come to be known as the Prime Rate, or the interest rate banks charge their best clients to borrow money.

This rate has become the base of most loan products such as mortgages, car loans, and business loans. It also can have an effect on short-term, interest paying investments such as Certificates of Deposit and savings accounts.

ADJUSTING RATES

When the Federal Reserve adjusts rates up or down, it is usually in reaction to economic conditions. Generally, the

Federal Reserve lowers rates when economic conditions are slowing so as to make conditions more favorable for borrowing. It does the inverse when it senses conditions are expanding to help keep inflation from becoming a hindrance to the economy.

While the Federal Reserve is an independent entity separate from the government, it is up to the government to appoint and approve the members of the Federal Reserve Board that set interest rate policy.

The major effect on stock investors is that as interest rates rise or fall, it has an impact on the cost of borrowing by companies and can impact dramatically the balance sheet and earnings of such. For example, if a company is planning on issuing bonds to fund a project, it may have to raise or lower the interest it will pay on such to assure the issue is fully invested.

Another outcome might be that as interest rates rise, the company will need to produce a higher growth rate to make their stock appealing to a more fixed, stable rate investment such as a bond.

The debate will continue on how important interest rate policy is to the financial markets, but one thing is clear: Companies that have a track record of good interest rate management have historically been solid investments for stock investors. Maybe instead of covering the announcement of interest rate movements with such hysteria, we should also pay more attention how well companies have dealt with the swings in the past.

CHRIS COLE is a Chartered Wealth Advisor and vice president of Hilliard Lyons in Tupelo.

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BUSINESS JOURNAL

10

Made in Mississippi is as good as it gets

TY ROBINSON

W

BUSINESS JOURNAL

ith my job and with my Scouting hobby, I get to travel. While I do enjoy my trips, I always enjoy coming home. I have yet to find a place where I’d like to move.

I attended college in Atlanta. I enjoyed Atlanta.

I thought at the time that I’d like to spend the rest

of my life in Atlanta. But, jobs were tough to find in my field, so I came back to North Mississippi where I could build some experience and try Atlanta again.

I found a better life here and haven’t left.

When my parents and I moved to Tupelo when I was very young, this was to be a two-year stop for the family. That was early in the 1970s.

I hear many stories from many people who have moved to Mississippi as a stop on their career paths and decided to stay. And, yes, Mississippi has its challenges, but I’d rather stay here and work on the solutions with my friends

than to move away only to find a new set of problems to be solved.

Mississippi is a “hidden jewel.” I hear this from a lot of visitors who were apprehensive about visiting our state. We need to find a way to drop the “hidden.” Mississippi is definitely a “jewel,” and once visitors meet Mississippians, their attitude changes. But, we need to find a way to change their attitude and break our stereotype before they make their visit.

I take for granted that we’re the “Hospitality State.” Being polite and hospitable is part of our culture. Actually caring for

one another is engrained in our Southern society.

That makes us all the best sales team and customer service representatives in the country, simply because we do care and want to help. I think those who were raised outside of the South see our politeness and caring as disingenuous. I think they believe we’re trying to take advantage of them by being nice.

I’d hate to work and live in a culture that thinks that way. And, if they’d take the time to get to know us, we’d be better friends and business partners.

Although I wasn’t born here, I am a product of the Tupelo Public School

District – from kindergarten through high school.

Almost all of my life has been spent here. My closest friendships and business partners are here. Any of my friends outside the area know that Mississippi is special to me. I’ve worked with businesses here and outside the South. Businesses in Mississippi compete on a national and international level. We have a strong work ethic and a fantastic quality of life. And, having made a commute for many years in a major metropolitan area, our traffic is nothing compared to it. And, our forward-thinking local

11

government put a plan in place many years ago to deal with the expanding traffic issue.

I appreciate the positive people in my life – fellow Mississippians, whether native or transplanted – who help me change the “why?” into “why not?” and also ask, “What can we take away from this experience to make it better?”

I was, am and continue to be “Made in Mississippi.” And, I am a better person because of it.

TY ROBINSON is president and COO of Robinson and Associates, a Tupelo-based marketing, advertising and public relations agency.

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MAY 2018

MAY 2018

A good problem to have for entrepreneurs DAVID HENSON

A

t some point those entrepreneurs fortunate enough to have a successful business will reach the day when it is time to turn over the keys to the kingdom to a successor.

Hopefully, a succession plan has been strategically planned and orchestrated.

With owners of small family businesses, this can be especially tricky since it sometimes means

the successor is likely the child or relative of the owner. This means dealing with both entrepreneurial traits as well as family dynamics – the combination of which can make unstructured succession planning difficult. Many small business owners tend to postpone and put off developing a plan to turn over the reins.

For the entrepreneur, the idea of releasing control of the business grates against every bone in his or her body. It is important to remember that to start their business, entrepreneurs identified an opportunity, developed a plan, worked the plan and more than likely overcame tremendous resistance to grow the plan into a successful

business. Most entrepreneurs spend a lifetime investing hours (mentally and physically) into their businesses.

Entrepreneurs did not get to this place by sitting back and letting someone else run the show; that is just not how they are wired. On top of that, entrepreneurs probably have developed many significant friendships through the business, so they may feel as though they are letting go of much more than just the business. On top of that, while they may not admit it, entrepreneurs probably enjoy what they do.

I have talked with people going through a succession plan process and the owner almost always at some point uses the phrase, “This is my

A CLOSER LOOK: AFTER TOYS R US

baby … I gave birth to this business.”

Entrepreneur may resist succession planning for fear of creating tension between potential successors, but most professionals suggest those dynamics can be eliminated or at least minimized by taking a few initial steps.

It is advised that owners initiate this process well in advance of the need.

Which means earlier than most entrepreneurs might think.

If potential successors are asking about it, you are late. But not too late.

So for entrepreneurs, that means starting some dialogue on the topic at a time when things are probably going excep-

tionally well. These are all reasons why this process might be difficult for entrepreneurs, but they are not reasons not to do it. Early planning helps.

I strongly suggest that small business owners initiate the succession planning process as part of retirement discussions.

Resist the temptation to put off this discussion.

It is too easy to say, “Not now, we are just too busy.”

The emergency room is not the place to start this process. Done correctly it can be a unifying process.

Don’t start the process alone. Find support, which is step one – and do some research. I think you will find there are

people out there that have done this before and can help you navigate this important territory. I have been told the dynamics at work are both predictable and far more manageable than you might think.

If you find yourself thinking about this topic, congratulations. The need for the discussion alone is testament to success.

DAVID HENSON is the owner of Sycamore Real Estate. He grew up in a family owned furniture manufacturing business and has been successful in the industry for 40 years. Henson teaches a leadership class at Itawamba Community College focusing on family business dynamics and entrepreneurial leadership.

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BUSINESS JOURNAL

12

BUSINESS JOURNAL

POPSY

Specialty Orthopedic Group broke ground recently on its new 32,700 square-foot-facility in Tupelo. The $11.5 million, state-ofthe-art facility will include 22 exam rooms, a physical therapy exercise and treatment facility with a therapy pool, two on-site digital x-ray areas, and an outpatient surgical center with four operating rooms and four private recovery suites and is expected to open February 2019. Specialty Orthopedic specializes in orthopedic surgery of the hand, wrist, and elbow; shoulder, hip, and knee replacement; revision total joint surgery; sports medicine; and hip preservation and arthroscopy. For more information, visit specialtyorthoms. com, call (662) 767-4200, or follow them on Facebook.

13 Popsy celebrated the grand opening of its new location at 206 N Spring St., Ste. 1 in Downtown Tupelo. Featuring homemade, gourmet popsicles, healthy glow PoPsys, a juice bar and healthy smoothies, Popsy uses only locally-sourced, organic ingredients when available! Follow Popsy on Facebook or call (662) 321-9394 for more information.

SPECIALTY ORTHOPEDIC GROUP

SPRING STREET CIGARS

Spring Street Cigars celebrated its grand reopening at 208 N Spring St. with a ribbon cutting. Tupelo’s only premium cigar shop boasts Mississippi’s largest walk-in humidor featuring brands such as Eiroa, Padron, La Flor Dominicana, Caldwell Cigar Co. and more. Contact Spring Street Cigars at (662) 842-6777, springstreetcigars.com or on Facebook for more information.

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MAY 2018

MAY 2018

Business Directory A PA R T M E N T S

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(662) 447-5403 Bank of Mantee

54 1st Street • Mantee, Mississippi

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BUILDING SUPPLIES Rex & Diannah Coggins, Owners

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COMMERCIAL PLUMBING

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RH PLUMBING, INC. 224 Starlyn Ave. New Albany, MS 38652

662-534-4448

Commercial Plumbing, Gas & Industrial Piping RICHARD HANLON (662) 447-3213

P.O. BOX 417 Okolona, MS 38860

Thank you for choosing RH Plumbing. We appreciate your business

401 Elizabeth St. • Tupelo 662-842-7305

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BUSINESS JOURNAL

14

15

Business Directory G IFTS

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1242 S Green St Tupelo, MS 38804 Phone: 662-842-2611 Email: info@journalinc.com

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BUSINESS JOURNAL

MAY 2018

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