By Chris Balzer What does R-value mean?  R-value measures insulation’s resistance to heat flow.  It can also be referred to as “thermal resistance.”  The higher the R-value, the greater the insulating power.  All materials having the same R-value, regardless of type, thickness, or weight are equal in insulating power.  ...
Leveraging Collaboration of Students, Industry and Military  On Thursday, June 25 the HSU Educational Foundation hosted a ribbon cutting ceremony in tandem with the Greater Fort Walton Beach Chamber of Commerce’s Business After Hours event to unveil the new HSU Innovation Institute, a facility centered in the Fort Walton Beach...
By Rita L. Sherwood Community Management Associates (CMA) is an association management firm that offers customized management services to the different associations they serve. Each community is different and has differing needs. CMA provides services for HOA’s of all sizes and condominium developments as well as mixed use properties which...
By Victoria Ostrosky Janet and Sam had just enough time to hurriedly, with shaking hands, grab some framed photos, their laptops and changes of clothes. The police officer urged them to move quickly. With their adrenaline pumping like they had just run a sprint, they drove out of their subdivision,...
By Maurice Stouse, Branch Manager and Financial Advisor These days many investors are in search of income. With interest rates nearing record lows, a recent sell off in the stock market, job losses, early retirements, reduced or eliminated dividends, and income security has become even more important to many Americans....
Summer is here and this area is a honey pot for shopping for the unusual, art, sculptures, clothing, and all things funky and different. Coastin' with Carol, hosted by Carolina Sauer, covers restaurants, retail shops, and events happening on the Emerald Coast. Coastin’ with Carol brings the latest updates to the local community and provides...
Marlin Grill, located in the Village of Baytowne Wharf, gifted over $6,000 to their employees including bussers, servers, and bartenders during the wake of COVID-19 through tips from delivery and take-out orders. After closing their dining room and outdoor patio area, the restaurant offered a limited menu for delivery and...
By Grg Crosslin The Internet is a wonderful tool. There are many easily accessible forms and guidelines offered by a number of document service providers on the Internet. These companies provide a “do it yourself” approach to creating your own Estate Plan. While “fill-in-the-blank” Wills and Trusts can be tempting...
By Chris Balzer  If you are like most people when your electric bill arrives every month, you place it in the “to pay” folder and open it later.  When we do get around to opening the electric bill, we look at the amount owed; some sigh, some grunt, some grin,...
By Maurice Stouse Financial Advisor and Branch Manager These days many investors are in search of income. With interest rates nearing record lows, a recent sell off in the stock market, job losses, early retirements, reduced or eliminated dividends, income security has become even more important to many Americans. Equally important...

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