April-June 2014 Bay Biz

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BAY BIZ | APRIL - JUNE 2014


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POLITICAL PERSPECTIVE

Patronis Reflects on Four Terms in the Florida House of Representatives

DEFENSE INTEL/FEATURE

Game Changer on Tyndall Air Force Base

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TRENDS

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ECONOMIC PROFILE

Paperless: Eco-friendly tips for your business EDA Insights

8 20 EDUCATION Local Financial Institution Teaches High School Students Fiscal Responsibility

22 24 26 30 34 36 37 38

ANNUAL DINNER & AWARDS CEREMONY 2014 WORKFORCE CONNECTION BIZ LIST BYP MEMBERS TO KNOW CHAMBER EVENTS CALENDAR NEW MEMBERS MEMBER ANNIVERSARIES OUT & ABOUT

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PUBLISHER Carol Roberts EXECUTIVE EDITOR Brittany Cole

CONTRIBUTING PHOTOGRAPHERS Brittany Cole, Desiree Gardner Photography, CareerSource Gulf Coast, Tyndall Air Force Base, Innovations Federal Credit Union Photos in Trends section courtesy of Square and SoftPro

CONTRIBUTING WRITERS Brittany Cole Kim Bodine Ruthie Parker Scarlett Phaneuf Carol Roberts Sean Brosnan Neal Wade

BAY BIZ MAGAZINE c/o Bay County Chamber of Commerce 235 W. 5th Street – P.O. Box 1850 Panama City, FL 32402 850.785.5206 information@baychamberfl.com Online: www.panamacity.org facebook.com/baychamberfl twitter.com/baychamberfl

DESIGN Sean Brosnan (GORGEOUS - Strategic Branding & Design)

The Bay Biz is published quarterly by the Bay County Chamber of Commerce, P.O. Box 1850, Panama City, FL 32402 | 850.785.5206

COVER F-22 Close Up Tyndall Air Force Base

POSTMASTER send address changes to: Bay County Chamber, P.O. Box 1850, Panama City, FL 32402 or email Brittany@baychamberfl.com.

The Bay Biz welcomes story ideas from its readers. Email to Brittany@baychamberfl.com. Each Chamber Member receives one copy. To request additional copies, contact Brittany@baychamberfl.com or call 850.215.3755.

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BAY BIZ | APRIL - JUNE 2014

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Okay, so I’m done with this cold weather. When this southern girl has to climb through the passenger side of her SUV because the driver side is too thick with ice, I’m ready for a change in temperature. For the first time ever, the Bay County Chamber staff had to take a snow/ice day. What the heck? Although compared to the rest of the nation, we’ve been very fortunate. We are on the brink of summer, and I know we are all ready for it. Our year at the Chamber kicked off with a bang. If you did not attend our Annual Dinner & Awards Ceremony, you missed the event of the year. Elizabeth Smith, our Vice President of Events hit it out of the ball park with her first Annual Dinner event and 637 members in attendance. We haven’t seen these numbers in a very long time and I think it’s a sign of great things to come this year. Congratulations to all of our award winners! We have a complete story in this issue, so be sure to check it out. The first quarter is always buzzing with political activity as we prepare for the legislative session. Our new Vice President of Governmental Affairs, Theresa Moran, and I traveled to Tallahassee for the Florida Chamber of Commerce Capitol Days. It is always the place to be to meet and greet with elected officials and agency heads. This was Theresa’s first trip, so it was a great opportunity to show her around the capitol in preparation for our Governmental Affairs Committee trip that would follow the next week. At this point the surveys are done, position papers written and approved through our three level approval process, appointments are set with our elected officials and agencies and off we go back to Tallahassee on our annual visit to deliver our 2014 Legislative Agenda. Meetings were held with Speaker of the House Will Weatherford,

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Senate President Don Gaetz, Representatives Jimmy Patronis and Marti Coley, Florida Fish and Wildlife Conservation Commission and Department Of Transportation representatives on our top priorities. By design, our trips now consist of a smaller contingency with just those who are authorities on our topics. Lunch was held at the Governors Club with David Hart, Executive Vice President of the Florida Chamber, who gave us an update on the Florida Chamber priorities. My article would not be complete without mention of the honor my good friends at the Panama City Beach Chamber of Commerce bestowed upon me when they announced I received the 2013 Pioneer of the Year Award. Talk about being totally dumb founded as I sat at our table, more worried about what dressing I was going to use on my salad and partially listening to Franklin Harrison. Then he calls my good friend, Congressman Steve Southerland, to the podium who was sitting to my left at our table. I continued to listen and started picking up on some things that sounded like this person had pretty much had my same career path. I paused. Holy Cow! It was me, being announced at the Beach Chamber dinner (we can all say it, pretty much our competitor) as the recipient of their top award. I was floored and it seemed as though most of Bay County, including my staff and family, knew of this great honor. I usually do not handle surprises well as the tears will typically start to flow. But, oh my God, you never ever let them see you cry (or sweat). It took all I could do to hold back the emotions I was feeling and maintain my “tough chick” demeanor. Thank you to all who were involved in this wonderful surprise. I really never had a plan to spend my career here at the Chamber, I just woke up and it’s now 37 years later. Nothing can ever replace the wonderful memories I have. I learn and grow from the exposure to each and every Chairman of the Board that I work for, every mem-

ber that I meet and every staff member that I’ve worked with along the way. No one person can take credit for the success of this organization or community. It is a true team effort to grow and to develop a community that we are all proud to call home.

Carol Roberts President/CEO


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Patronis Reflects on Four Terms in the Florida House of Representatives by: Brittany Cole range from regulation of the local fishing industry to funding for a Science Technology Engineering Math (STEM) facility at Gulf Coast State College. Patronis listens intently and gives his feedback and advice. This is the last time he will hold this office and speak to the committee, as he has so many times before over the last eight years. We sat down with him at his office in Tallahassee to reflect on his time at the Florida House of Representatives.

This is your last term as Representative. What are your feelings on that? “It’s a little bittersweet. Serving in the Florida Legislature has been the greatest honor that I’ve had, at least professionally. I’ve been able to contribute to the direction of the state for the last eight years and worked with some fantastic professionals from all over the state. We kind of see ourselves as the Board of Directors for a large homeowner’s association.”

What do you feel is your greatest accomplishment while in office?

It’s a warm, sunny day in Tallahassee, Florida, and Representative Jimmy Patronis, (R)-Panama City, has already had a busy morning with committee meetings, media interviews, and meetings with various constituents. Despite the hectic day, Patronis takes time to hear the concerns of each member of the Bay County Chamber of Commerce Governmental Affairs Committee. Issues

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“I think we have made a big difference in the common sense environmental permitting policy. Over the last five years, every year, I have run a bill that has brought a lot of consensus together. The bill has not been one sweeping change over one particular area of the state, but they’ve made it fair to all. They create greater predictability when business and industry want to make a difference or invest in Florida. At the same time, the citizen’s quality of life and protection of their environment is respected. I’ve built a little bit of a reputation with my environmental policies and I have advocated for those.” said Patronis. “The one thing I would probably take more pride in than anything else is when we were starting to receive


undue mandates from the Federal Government. For example one of the mandates was over issuing a shore fishing license. They wanted us to mandate that anyone who wanted to fish from shore was required to have a Florida fishing license. At the end of the day, there’s not a lobbyist that is hired to defend against what the Federal Government is forcing upon the citizens of the State of Florida. It became a personal issue to me.”

What do you feel has been your biggest challenge? “The biggest challenge is getting ramped up and understanding issues. As an advocate of important issues to your district, it may be something you’ve never dealt with before, but you must understand them. I take a lot of pleasure responding to every e-mail I get and I focus on trying to be responsive to my constituents. I think trying to do it all is probably one of the biggest challenges. At the same time, you still want to be a good father, a good husband, and a good co-worker at your business.”

groups that provide public services, protect our children, educate our children, and protect our citizens. All of that is a lot to juggle.”

What are your plans for the future? “I love public service. I am sure I will stay visible in the public eye at home. I’m sure I will find different efforts to become an advocate and a cheering section for. I want to make sure I am not just taking the time I have spent here in Tallahassee, away from my family and away from my business, and putting it on the shelf. Most importantly I am looking forward to being a husband to Katie, and a dad to Theo and Johnny.”

You took office in 2006, and a lot has changed since then. How has this position changed you? What would you do differently? “I would have spent more time early on learning the budget process. I know the budget is important and I spent a lot of time coming to Tallahassee during the summer to meet with staff to understand the budget. We do so much with what we’ve got in our state and the only charge is that we pass a budget every year. The numbers are enormous and we have standing commitments back to every one of our municipalities, counties,

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commander. “Unfortunately, we had a delay of a year, but today we were able to successfully bring in the first wave of aircraft.”

Tyndall Air Force Base, which provided more than $600 million in local economic impact in 2012, continues to see growth in personnel and aircraft as the long-awaited “new” aircraft landed on the runway recently. The base received the first five of 24 F-22 Raptors scheduled to transfer from Holloman Air Force Base, N.M., on January 6th as part of the new combat mission. The aircraft are now a part of the 95th Fighter Squadron, which re-activated in October 2013. “We have been talking about the arrival of this mission for a few years,” said Lt. Col. Erick Gilbert, 95th FS

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The squadron’s mission is to project unrivaled combat power in support of national military objectives and combatant commander requirements through strategic application of 5th generation air dominance fighter aircraft and personnel. “The 95th Fighter Squadron showing up represents a new era in the capability at Tyndall,” said Col. David Graff, 325th Fighter Wing commander. “No combat aviation unit has ever deployed out of Tyndall Air Force Base. Now, we will have the largest collection of F-22s in the world, and will stand ready to project air power and defend our nation’s freedom.” Base officials expressed the importance of this as the next step towards the new combat mission, responsible


for deploying a large number of Airmen and aircraft at any given time. The new mission adds to Tyndall’s current role as the home of F-22 pilot training. In total, more than 50 of the world’s most advanced aircraft will call Tyndall home, making it the largest single-base contingent of F-22s in existence. Also, the move will bring the total number of T-38 Talons, which act as adversaries to the F-22, to 20. More than 1,100 positions are associated with the new mission. “We are bringing in close to 1,100 uniformed members to Tyndall plus their families, which will bring us back to a lively state like we had a few years ago,” Gilbert said. In addition to the pilots to fly the aircraft, expert maintainers and more than $65 million in equipment will ensure the jets remain the pinnacle of Air Dominance. “These aircraft transferring from Holloman bring a whole new mission to Tyndall,” said Capt. Emily E.

striking enemy oil in Central Europe. After a long illustrious history the squadron became a Reserve F-22 unit in February 2010. “It’s really great to be in a squadron that has such an immediately recognizable legacy,” said Lt. Col. Andrew Lyons, 301st FS commander. “We’re really proud that we get to carry on the legacy of the Tuskegee Airmen. It’s an amazing Air Force tradition.”

Harris, 95th Aircraft Maintenance Unit (AMU) officer in charge. “Tyndall is no longer just a training base. The 95th AMU is excited to be part of Tyndall’s new mission, in providing the 95th Fighter Squadron with combat capable aircraft and a deployment ready maintenance unit.” “The 95th AMU will jump from 99 active duty personnel, to 192 by the end of July. The unit will also be integrated with about 30 full-time Air Reserve technicians, who will belong to the 44th Fighter Group,” said Harris. Adding to the total force integration of Tyndall and the new mission is the addition of the legendary 301st Fighter Squadron (FS). The squadron is a U.S. Air Force Reserve Command unit that is comprised of combat-ready F-22 Raptor pilots, F-22 Formal Training Unit instructors, and Adversary T-38 pilots as well as associated support personnel. The 301st FS is integrated across the 95th Fighter Squadron, 43rd Fighter Squadron and 325th Training Support Squadron along with each of their missions.

The 301st FS is part of the 44th Fighter Group, which is also moving to Tyndall from Holloman with the new combat-coded F-22s. While the squadron is made up of reservists, it functions similarly to its active duty counterparts. The squadron’s mission is to provide seamless integration with the active duty personnel in order to provide combat airpower with the F-22. The transfer of the planes and people does not come without its challenges, but base leadership is confident the base will come out on top, thanks to the help from the Airmen and civilians at Tyndall and the local community. “Bay County has not let us down in the 72 years we have been here and I know our partnership will continue to grow and prosper,” said Graff. “The sound of freedom just got a little louder over the world’s most beautiful beaches.”

The original 301st FS was one of four African-American fighter squadrons to enter combat in World War II. It was engaged in various missions, like harbor protection, convoy escort and armed reconnaissance. Later in the war, they were used to provide escort for bombers BAY BIZ | APRIL - JUNE 2014

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Where It All Began October 14, 2008: The Bay Defense Alliance (BDA) received news of the Combat Air Force restructure plan that resulted in the loss of 48 F-15s and 800 jobs from Tyndall. March 2009: The BDA “Tyndall Team” was formed and engaged a subject matter expert who helped develop, socialize and implement a plan to replace the lost mission. A Florida Military Base Protection grant administered by Enterprise Florida helped make this possible. June 22, 2009: The Secretary of the Air Force and the Air Force Chief of Staff visited Tyndall AFB, the first joint base visit of its kind. After a presentation by BDA the AF leadership met with our community and the leaders with proclamations of support from every city, the county, Chamber and other organizations. November 17, 2009: BDA members and our congressional delegation met with the Air Force Chief of Staff in Washington. BDA promised community support for an Air Force plan to consolidate Tyndall’s F-22 Fighter Training Unit with at least one operational squadron.

Col. Erick Gilbert, 95th Fighter Squadron Commander, opens the cockpit of the F-22 Raptor flag ship after landing during an arrival ceremony held in honor of the incoming jets Jan.6. The jets mark the beginning of a new mission at Tyndall and are the first five of the 24 marked to call Tyndall their new home. (U.S. Air Force photo by Airman 1st Class Dustin Mullen)

July 29, 2010: The planned movement of an F-22 operational squadron from Holloman AFB to Tyndall AFB was formally announced with the aircraft scheduled to arrive beginning in late 2012. October 1, 2012: Tyndall AFB transitioned from the Air Education Training Command to the Air Combat Command in preparation for the change in mission. January 8, 2013: The Air Force formally announced a one year delay in the delivery of F-22s. July 26, 2013: 17 Bay County community leaders visited Alamogordo, New Mexico to help prepare military members and families for their move to Bay County. January 6, 2014: The first group of F-22s from Holloman AFB arrived January 6, 2014 and was the culmination of this tremendous community effort. Tyndall also has received at least 10 of the 20 T-38 aircraft promised. At the end of the day Tyndall AFB will have more F-22s than any base in the world.

Tyndall Economic Impact The impact of 1,100 airmen and their families is significant, especially at a time when many defense communities all over the country are experiencing the effects of military downsizing. The total multiplier generally used by the Air Force is 2.5x the number of jobs, so with that, we have nearly 3,000 individuals moving to our area. When taking into consideration the additional payroll, the demand for housing and day-to-day commerce with local retailers, the financial impact is bigger than anything Bay County has experienced for a long time. Another related impact is the movement of equipment and military construction on base to accommodate the aircraft and people, creating many related jobs. Another significant transition at Tyndall has quietly taken place. Air Force families associated with a combat squadron are well-aware that their loved ones could be deployed as needed to project air power in any corner of the world, at any given time. To a large extent, these families must rely on the support and understanding of the community. All of us serve as a part of the support system for these friends and neighbors, and in many cases, the employers of Air Force National Guard and Reserve members must be prepared to manage businesses and organizations without these key employees. Preparation for this growth was significant, and every Bay County citizen can be proud of the outstanding effort by the many organizations and individuals involved, including the seventeen individuals represented our community at Holloman AFB in Alamogordo, New Mexico. The outreach was just the beginning of the information flow which has followed for months. The Bay County community continues to welcome these new military members and families with open arms. We commend the efforts of everyone involved, especially the Bay Defense Alliance Board; thirty volunteers who give their time and expertise in an effort to support and strengthen our bases and their missions. Congratulations on this successful effort!

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military retirees Air Force Navy Army Marine Corps Coast Guard

5,555 1,719 1,699 197 140

Total Retirees 9,130 economic impact Total Annual Payroll

$299,469,248

Total Annual Expenditures

$259,032,335

Estimated annual Dollar Value of Jobs Created

$59,251,660

TOTAL ECONOMIC IMPACT

$617,753,243

employment TYPE OF PERSONNEL

# OF BASE JOBS

MULTIPLIER

# OF INDIRECT JOBS

Active Duty Military

3,071

.29

891

Reserve/ANG/Trainees

324

.13

42

APF Civilians

948

.43

408

Other Civilians

654

.43

281

TOTAL

4,997

1,622

Estimated Annual Pay for the Local Community $36,530


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We are all becoming more eco-friendly and conscious of our wear and tear on the environment. As we do so, we become conscious of other like-minded individuals and businesses that share our sentiments and make deliberate efforts to reduce carbon footprint. Some businesses are beginning to offer flexible work environments, letting significant portions of their workforce work from home to reduce overhead cost. There are myriad methods to reduce paper consumption while making your business more efficient and saving money in the process. While paper-free may not be an option for all businesses, utilizing some of the following time-saving and eco-friendly options should save paper consumption by nearly 50 percent. That money could be translated into another part-time employee or rent in a facility with a beach view. One of the best paper-free tools I use when collaborating and communicating with clients is Google Apps. It is more of a tool chest than one tool since it includes several productivity apps that can be used by organizations everyday. These apps include GMail for email, a calendar, an online hard drive for file sharing, and Google Docs for versioning of Microsoft Office documents. The best part is that everything within your account can be edited in real time and shared amongst your colleagues. Large organizations such as Bay Districts Schools use Google Apps to keep their staff organized and informed. Google Apps is an amazing way to help you reduce paper while collaborating and communicating, but it is not the only resource and it cannot do everything. For

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the other PAPER-HEAVY tasks in your life, you can use these other great resources:

ACCEPTING PAYMENT FOR SERVICES

Gone are the days of relying on the archaic knuckle-buster machine or a check for services, especially in the creative industry. Merchants can now accept payments wirelessly via a free app called Square (available for free on most device app stores). With Square, there is no guessing on whether or not your payment was accepted. The transaction verification is immediate. Once completed, the purchaser is able to sign with their finger and receive an email or text receipt. Businesses as well as individuals selling services, ranging from yoga to a silent auction event for a non-profit, are able to accept payments quickly on the go while eliminating paper.

ACCOUNTING

Most business owners reading this are probably using some form of accounting software, but it may be accessible on ONE computer at the office. Modern software


applications are kept in the cloud so you can access it anywhere (including mobile devices) while helping the manufacturer eliminate their carbon footprint. Not all accounting software is created equal, but most include the basics such as invoicing and will allow you to send information electronically, preventing piles of paper. LessAccounting (available for $36/mo at lessaccounting.com) and QuickBooks (available at quickbooks.com) are two of the largest accounting software companies available for such services.

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CONTRACTS OR DOCUMENTS FOR SIGNATURE

For at least the last few years, Government agencies, realtors, and other businesses have been using products such as DocuSign (professional account for $20/ mo - available without downloading software at docusign.com) to handle the signing of contracts and documents. The service is in the cloud (like most of the paperless options discussed here); you can upload any file needing a signature, drag and drop the fields with ease, and send to recipients. If you are uncertain on your documents holding up in court, rest assured that after the eSign Act was signed into law in June 2000, there has been proven validity for electronic records and signatures.

COLLABORATING ON DOCUMENTS

If you are working on the same project with multiple colleagues, you no longer have to print out iteration paper copies ad nauseam for proofing. Use Google Docs to work on the same document (e.g., MS PowerPoint) with numerous colleagues. View live editing on conference calls while reducing the worry of this common thought: “I wonder if we all working from the same file?” Dropbox (free for basic account – available for download at dropbox.com) is another great resource for keeping everybody on the same page as far as files and folder synchronization is concerned.

STATEMENTS

This one is a no-brainer. You probably already receive electronic cell phone or bank statements, but look out for other paperless statement options. The City of Panama City’s water/sewage/trash bill can be sent via email as well as bills from cable providers and cell phone carriers.

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INSIGHTS: Bay EDA Update by: Neal Wade, Executive Director current labor statistics for Bay County

LABOR FORCE

EMPLOYED

UNEMPLOYED

UNEMPLOYED RATE

DEC 13

83,462

78,210

5,252

6.3%

NOV 13

84,202

78,703

5,499

6.5%

OCT 13

86,269

81,047

5,222

6.1%

DEC 12

86,585

79,140

7,445

8.6%

NOV 12

97,527

80,380

7,147

8.2%

OCT 12

90,938

83,979

6,959

7.7%

REALTOR SALES

MEDIAN PRICE

REALTOR SALES

MEDIAN PRICE

DEC 13

201

$171,350

19,497

S172,630

NOV 13

157

$165,000

16,620

S169,900

OCT 13

184

$160,000

18,728

$169,000

DEC 12

207

$147,308

17,959

$154,900

NOV 12

165

$147,500

16,827

$150,000

OCT 12

191

$145,000

17,593

$145,000

real estate sales

In 1987, President Reagan told Soviet President Gorbachev to “tear down this wall”, referring to the wall that separated West from East Germany. In successful economic development, that directive can help make regions and counties more successful.

EXISTING SINGLE FAMILY HOMES

CONDO - TOWNHOME SALES DEC 13

117

$200,000

8,364

$137,500

NOV 13

96

$174,500

7,576

$131,299

OCT 13

155

$216,750

8,598

$130,000

DEC 12

114

$192,500

8,581

$117,500

NOV 12

91

$159,000

8,154

$112,000

OCT 12

102

$158,500

8,341

$106,500

Bay County building permits

RESIDENTIAL

COMMERCIAL

DEC 13

23

0

NOV 13

15

0

OCT 13

48

3

DEC 12

29

3

NOV 12

46

1

OCT 12

31

0

Bay County sales tax collections

GROSS SALES

TAXABLE SALES

TAX COLLECTIONS

DEC 13

$424,903,427

$217,135,105

$13,164,473

NOV 13

$462,097,558

$242,248,774

$14,969,256

OCT 13

$558,615,360

$259,829,024

$15,916,820

DEC 12

$398,336,524

$200,813,016

$12,580,546

NOV 12

$417,124,930

$222,478,881

$13,464,888

OCT 12

$478,550,273

$237,086,139

$14,534,688

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Yes, there are city and county lines that define us to some degree. However, the ripple effect or impact of a new company or an expanding company in one community reaches across to bring a positive impact to the entire Bay County region. I heard one wise person say regarding the Hathaway Bridge, “It’s just a bridge, get over it!” The word that describes this concept is “coopetition”. It came from the auto industry when competing companies decided it was more economical to collaborate on technology than to spend millions individually on, let’s say, a new engine design. So, they cooperated on the new innovations and then competed with their individual products in the marketplace. Again, this is a great lesson for all of us. There are so many opportunities for us to collaborate and “tear down the walls” to help Bay County achieve its potential. Think regionally and we will all get our share of job creation projects.


April - June 2014 Demographic Snapshot Bay County Population: 171,903 Median Age: 40 Labor Force: 88,484 Average Wage: $32,642

Households: 74,585 Household Income: $48,225 Per Capita Income: $29,357

Bay County bed tax collections

PANAMA CITY BEACH

MEXICO BEACH

DEC 13

-----------

-----------

DEC 12

$351,168.80

$10,566.34

% CHANGE

-----------

-----------

NOV 13

$352,194.00

$11,331.00

NOV 12

$319,617.00

$13,255.52

% CHANGE

10.19%

-14.52%

OCT 13

$785,183.85

$24,815.44

OCT 12

$675,653.89

$20,695.84

% CHANGE

16.21%

19.91%

Northwest Florida Beaches International Airport passenger traffic

TOTAL PASSENGERS

COMMERCIAL OPERATIONS

DEC 13

50,982

903

NOV 13

51,712

1,039

OCT 13

66,742

1,205

DEC 12

46,622

871

NOV 12

59,674

933

OCT 12

75,065

1,151

National, state & local unemployment rate (Jan 1990 to Dec 2013) 16.0

14.0

12.0

10.0

8.0

Florida US Bay County

6.0

4.0

2.0

May-13

Jan-12

Sep-12

May-11

Jan-10

Sep-10

May-09

Jan-08

Sep-08

May-07

Jan-06

Sep-06

May-05

Jan-04

Sep-04

May-03

Jan-02

Sep-02

May-01

Jan-00

Sep-00

May-99

Jan-98

Sep-98

May-97

Jan-96

Sep-96

May-95

Jan-94

Sep-94

May-93

Jan-92

Sep-92

May-91

Jan-90

Sep-90

0.0

BAY BIZ | APRIL - JUNE 2014

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Local Financial Institution Teaches High School Students Fiscal Responsibility by: Ruthie Parker, Innovations Federal Credit Union

ance payments. Teens get an instant family and then move about the stations to purchase housing, transportation, food, clothing, household necessities, day care, and other needs. What’s included in the simulation? A mall for “wants,” a pushy car salesperson, a commission-based realtor, and the Fickle Finger of Fate. You guessed it-life happens from unexpected emergency expenses to a surprise refund check from your car insurance agency. And in addition to several other merchants, there’s Innovations Federal Credit Union for financial counseling or budgeting questions.

“If I buy an expensive car and house, I can’t afford clothes and food.” That’s the lesson learned from one teenager who participated in Mad City Money, a simulation for high school students that teaches basic money management in a safe, fun setting. “A presentation on budgeting likely will put teens to sleep,” says David Southall, Innovations Federal Credit Union President/CEO. Yet the 2 ½-hour hands-on simulation appeals to teens and gives them a taste of the real world-complete with occupation, salary, spouse, child, student loan debt, credit card debt, and medical insur-

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BAY BIZ | APRIL - JUNE 2014

Innovations wants teens to be money and budget savvy. Bottom line: they learn that erasers and calculators are important tools for creating a monthly budget. “It’s like a puzzle,” said one student. “You have to use all the pieces and they all have to fit.” If you are a teacher or administrator at a Bay County High School and are interested in the Mad City Money simulation at your school, please contact Ruthie Parker at 850-249-0768. The Mad City Money simulation was conducted with students at Arnold High School, Bozeman School, and Rutherford High School during the 2012-2013 school year, and we are looking forward to many more successful simulations during the 2013-2014 school year.



Shining a spotlight on the past year’s accomplishments, the Bay County Chamber of Commerce celebrated its Annual Dinner and Awards Ceremony on Friday, January 24th at the Edgewater Beach & Golf Resort. The 2013 Chairman of the Board, Bill Fenimore (NAI Talcor), passed the gavel to 2014 Chairman, Larry Carroll (Coldwell Banker Carroll Realty Inc.). Fenimore’s term as Chairman included continued efforts to support our local military installations, advocating for the business community through our legislative agenda, partnering with local community leaders for the betterment of the tourism and manufacturing industries and the promotion of economic growth in Bay County. The awards portion of the program began with Fenimore, who presented Claire Sherman (Lamar Advertising) with the Member of the Year Award for 2013 for her outstanding service to the Bay County Chamber of Commerce and its members. Sherman showed outstanding dedication to the organization throughout the entire year. She has been with Lamar Advertising for more than sixteen years.

The most prestigious award that the Chamber gives is the Lauren Merriam Memorial Award. Dr. Robert McSpadden presented the 2013 award to Hugh Roche, who was chosen for this award for his commitment to the community’s well-being, as exemplified by involvement in civic, charitable and/or endeavors contributing to the betterment of Bay County and the benefit of its citizens. The last award of the night, the Chairman’s Award, went to Bryan Taylor (United Way of NWFL) and David Powell (Innovations Federal Credit Union) for their service to the Bay County Chamber of Commerce during the 100th year anniversary. Taylor and Powell served as emcees and program authors for each First Friday program in 2013. This award has only been presented on two other occasions. Congratulations to all award winners for all they have done and still do for the Bay County Chamber of Commerce and our great community. Special thanks to all of our sponsors for making this event happen.

PLATINUM SPONSORS:

Edgewater Beach & Golf Resort, Klever Media Works, and Innovations Federal Credit Union

GOLD SPONSORS:

Barron and Redding, P.A., Coldwell Banker Carroll Realty, Gulf Coast State College, HealthSouth, Merrill Lynch, The News Herald, RockTenn, and Waste Pro. 22

BAY BIZ | APRIL - JUNE 2014


REALTORS速

Are Real People.

Familiar Faces in Familiar Places.

Bay County Association of Realtors速 Leadership Development Program

Growing Caring Citizens for our Community 14 BCAR Leadership Development Sponsored by:


CareerSource Gulf Coast: A Strong Resource for College Graduates by: Kim Bodine, Executive Director CareerSource Gulf Coast Indications of ongoing improvement in the Florida job market continue to surface, just as spring brings a new round of college graduates into the workforce. While our recovery has been slow, there are clearly reasons for optimism, according to data from the Florida Department of Economic Opportunity (DEO). Figures showed a statewide seasonally adjusted unemployment rate of 6.2 percent in December 2013. That’s an improvement of nearly 2 percentage points from a year prior. While Florida faced a difficult 3-year span of job losses, December 2013 marked the 41st consecutive month with positive annual job growth. Post-secondary education and training remain vitally important in gaining employment. Among the fastest growing job sectors in Florida are veterinary technicians, market research analysts, marketing specialists, biomedical engineers, home health care aides and medical scientists. Construction trade fields are also growing, including carpenters, brick masons, and heating/air conditioning mechanics. Setting goals is very important in helping college graduates take that first career step. It is equally important to identify tools and resources. CareerSource Gulf Coast (CSGC) may be the most comprehensive tool in your box. With unmatched service and the highest of standards, CSGC topped all 24 CareerSource Florida regions with the highest percentage of job placements

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BAY BIZ | APRIL - JUNE 2014

for the month of December, an achievement that gained public acknowledgement from Governor Rick Scott. To begin your career search in Florida, start by registering with EmployFlorida.com, the state’s official site for employment services. Used by CareerSource Gulf Coast and other one-stop career centers in the state, the Florida Marketplace offers job seekers access to thousands of employment listings. Next, connect with our one-stop career center in Panama City at 625 Highway 231 in the Mariner Plaza. The center is home to invaluable services to support your search, and open from 8 a.m. to 5 p.m. Monday through Friday. A professionally staffed resource room and dedicated career counselors are available to you, free of charge. With decades of experience and positive relationship with employers in the area, CSGC staffers are always ready to assist with job placements. A number of training sessions are also available free at the career center, including Interactive Interviewing, and Resume Building. CSGC also hosts many job fairs throughout the year, with many employers utilizing the center as their recruitment and hiring base. Have a question? Visit careersourcegc.com, email us at customerservice@careersourcegc.com, or call us today at (850) 872-4340.

MORE TIPS FOR JOB SEEKERS Most colleges have career offices with numerous resources. Make contact today. Your resume is vital. Be sure you are presenting your background in a clear, concise and


and compelling way. Tailor your resume to the job description or job posting for which you are applying. Seek feedback from your friends and professional acquaintances. Strong networking is key to your job seeking success, whether through social media or in person. Talk with professionals in your field, and seek out scheduled career events. Meet with your favorite faculty members before you graduate to find out if they have any referrals. They may be able to connect you with alumni in roles that match your interests. Use technology to your advantage. Create a comprehensive LinkedIn profile, or polish the one that you have. Remember to join groups tied to your career field where you will find more contacts that may prove beneficial. A vast majority of jobs are obtained through connections such as family, friends and others you already know.

REAL. LOCAL. SAVINGS.

See how much you could save on car insurance today.

Jennifer Koppel | 850-785-0538 | 1314 N. Tyndall Pkwy • Panama City

∑øœ∂˚ Saving people money on more than just car insurance.®

Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Homeowners, boat, PWC and flood coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. The GEICO Personal Umbrella Policy is provided by Government Employees Insurance Company and is available to qualified Government Employees Insurance Company and GEICO General Insurance Company policyholders and other eligible persons, except in MA. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image © 1999-2013. © 2013 GEICO.

BAY BIZ | APRIL - JUNE 2014

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If you are a member of the Bay County Chamber and would like to submit your business news to be published, email a press release, logo or photo to brittany@baychamberfl.com

Carr Riggs Ingram (CRI) Carr Riggs Ingram (CRI) welcomes Ann Marie Sale to Partnership. As a partner in the Panama

City office of CRI, Ann Marie Sale, CPA, offers more than a decade of experience providing tax compliance and consulting services to businesses and their owners. She handles a wide range of tax matters for CRI clients – working primarily with C- and S-corporations, limited liability companies, individuals, and estate and gift tax areas. Man In The Sea Museum This Past October The Man in the Sea Museum delivered over 2,200

free passes to all 4th grade classes in both public and private schools

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BAY BIZ | APRIL - JUNE 2014

to promote Bay County local history. “We feel that it is important to instill a sense of local pride and accomplishment in our youth,” said Michael Zinszer, President of the Institute of Diving which operates the Man in the Sea Museum. “Bay County has been in the forefront of ocean research, diving and technology for over 60 years, but few of our residents know the impact that we have made throughout the world” said Zinszer. Copy Products Company Jason R. Pence has recently joined the Copy Products Company. Pence is poised to continue helping business gain profits by saving them money on their printing, copying, scanning, faxing and finishing needs. Jason says he has gained 75+% of all his sales and business relationships through the functions of the Bay County Chamber.

with Sonny’s Real Pit Bar-B-Q and restaurant founder Sonny Tillman. Working in conjunction with Florida State University Panama City, Gulf Coast State College, and United Way of Northwest Florida, Wayne and Gail Lindsey have committed to placing fifty percent of the profits of the first 10,000 copies of ‘Real Trophies’ into an educational endowment that will be made available to the children and families of local United Way affiliated agencies. The Natural Light

Sonny’s Real Pit Bar-B-Q Local Businessman and restaurateur, Wayne Lindsey, has recently released “The Real Trophies of the

Harvey Hollingsworth, President of The Natural Light, received the Academy of Achievement award at the International ARTS Awards in Dallas, TX. The ARTS Awards, presented each January during the Dallas Total Home & Gift Market, recognizes top manufacturers, retailers, product designers and sales representatives from across the world in 26 different categories.

Bar-B-Q Restaurant,” a biographical journey of sorts that highlights some of the lessons learned during his many years associated

Legendary Marine Legendary Marine, the Gulf Coast’s largest boat dealership with sales and service locations


ant as it reflects the breadth of services we will be adding and expanding with Maternal Fetal Medicine for high-risk pregnancies, Level III Neonatal Intensive

in Destin, Fort Walton Beach, Panama City and Gulf Shores, AL, was named “Dealer of the Year” for the second consecutive year by Boating Industry Magazine as part of its annual TOP 100 awards program. The “Dealer of the Year” award is the single most prestigious and most highly coveted recognition in North America for marine retailers and is presented annually to only one dealer at an exclusive gathering of the marine industry elite. Florida Small Business Development Center

The Florida Small Business Development Center at Gulf Coast State College and the Millaway Institute for Entrepreneurship announce the appointment of Michael A. Ross as 2014 Entrepreneur-In-Residence. The newly created Entrepreneur-In-Residence Program introduces a new dynamic into the College’s capacity to positively impact local economic development. Gulf Coast Regional Medical Center Gulf Coast Medical Center announces the hospital is changing its name to Gulf Coast Regional Medical Center. “The addition of the word “Regional” is import-

Care Unit (NICU), Pediatric Intensive Care Unit (PICU), Telemedicine and a number of pediatric sub-specialties,” said Carlton Ulmer, president and CEO at Gulf Coast Regional Medical Center. As part of the regional strategy, Gulf Coast Regional Medical Center has formed clinical affiliation partnerships with Northwest Florida Community Hospital (Chipley, FL), Doctors Memorial Hospital (Bonifay, FL) and Jackson Hospital (Marianna, FL).

Gulf Coast Regional Medical Center announces the appointment of Al McCambry to its Board of Trustees. McCambry currently serves as Director of the Corporate College Department at Gulf Coast State College, initiating and maintaining working relationships with area Chambers of Commerce, agencies and businesses in order to meet the area’s workforce training needs. Gulf Coast Regional Medical Center announces the appointment of Reynaldo dela Rosa, MD, FAAP as Medical Director of its new Pediatric Intensive Care Unit (PICU). Dr. dela Rosa will oversee the region’s only PICU, a multidisciplinary unit that provides care for

infants, children and adolescents. Bay Medical - Sacred Heart

Warren Ladner has filled the role of Chief Financial Officer at Bay Medical-Sacred Heart. Warren comes to us from HMA, a hospital and healthcare management company, having served at three of their facilities. Namely Biloxi Regional Medical Center and Natchez Community Hospital. However, most recently he has served as Market CFO for two hospitals in the Gadsden / Anniston, Alabama area. Warren is a native of Gulfport, MS and earned his bachelor’s degree in Finance from Mississippi State University and an MBA from the University of Southern Mississippi.

Patricia Headley joined Bay Medical-Sacred Heart in December taking the role of Assistant Administrator. She brings more than 27 years of healthcare leadership BAY BIZ | APRIL - JUNE 2014

27


DaVita Dialysis, enjoy a vacation here in Panama City. Our Dialysis Center can keep you locally OR on the beach. While here, the only worry you will have is how to spend your free time. Appointments available to meet your needs. Flexible Vistation Policy. Visit us at any one of our locations or at www.DaVita.com Panama City 615 Highway 231 763-1233 510 North McArthur Avenue 914-0824 Panama City Beach 16201 Panama City Beach Parkway 233-0837

w w w. d o r a l b a n k f l o r i d a . c o m 415 Richard Jackson Blvd. • 234.3900 1002 W. 23rd Street

• 914.2525

701 Harrison Avenue

• 769.3939

123 N. Tyndall Parkway

• 784.3939

Doral Bank Florida is a division of Doral Bank, member FDIC.


experience in both non-profit and for-profit environments, most recently serving as Associate Administrator with a for-profit hospital in northern Alabama. She obtained her Masters and Bachelor degrees from the University of Alabama – Birmingham. Bob Evans Restaurant

Helen Lee is the new General Manager of Bob Evans restaurant. Helen and her team take pride in providing great quality food, caring hospitality and always 100% guests’ satisfaction. Bob Evans provides many great options for our guests such as catering, bakery, Military discounts and kids eat free every Tuesday from 4-9. Helen’s team is excited and looking forward to serving Panama City’s community.

BookIt.com

Gulf Coast State College Foun-

BookIt.com opened a new call center in Montego Bay, Jamaica. Partnering alongside the Teleperformance Center, BookIt.com is expanding its company and its service. The center had its official opening ceremony last December. The Jamaican team will consist of 50 to 160 agents, and will be in operation year round.

dation; Covenant Hospice; New Horizons Learning Center; Girls Inc. of Bay County; Gulf Coast Council-Boy Scouts and the North Bay Haven Charter Academy.

The Rotary Club of Panama City The Rotary Club of Panama City, aka Downtown Rotary, awarded $5,000 to ten community agencies at its weekly meeting held at St. Andrews Bay Yacht Club. Recipients include The Visual Arts Center; Junior Achievement of Northwest Florida; Bay Education Foundation; Tom P. Haney Education Foundation;

Have a submission for the Biz List? Please contact Brittany Cole at 850-215-3755.

TAKE YOUR

MILITARY TRAINING TO THE NEXT LEVEL AT FLORIDA STATE UNIVERSITY PANAMA CITY CLASSES AVAILABLE ON CAMPUS AND ONLINE pc.fsu.edu | veterans@pc.fsu.edu

Christina Branch Elementary Education U.S. Navy ’06-’08

FLORIDA STATE UNIVERSITY PANAMA CITY BAY BIZ | APRIL - JUNE 2014

29


Many young professionals are enthusiastic about area business and community opportunities and are ready to get involved as new leaders. Bay Young Professionals (BYP) was formed by the Bay County Chamber of Commerce to specifically address the needs of this age group to enrich our community by uniting, developing and retaining our future leaders. If you are interested in becoming part of the Bay Young Professionals (BYP) group, contact Kevin Kussro at 850-215-3757 or kevin@baychamberfl.com. Photos by: Desiree Gardner Photography

Georgia Gainer Arnold Born in Panama City, Arnold is a sixth generation Bay Countian. She is proud of her heritage and is passionate about community involvement. She has been an active member in with Republican Women Rotary Club, BYP, and the Woman’s Club of Panama City. She volunteers with several charitable events such as the Pet Project, a partnership among WMBB, the Woman’s Club, and the local animal shelter to raise awareness and find homes for animals in need. She has a desire to help make life better for everyone around her. For the last 5 years, Arnold has been the head of customer service at Bay Automotive. She also assists in developing the service department’s internet system. She enjoys being part of the family business and loves being able to make sure that each customer has a great experience at the dealership. Arnold’s husband, Howard, is the Internet Inventory Manager for the dealership’s website. When they are not working, the couple enjoys spending their time with family and friends.

Nicholas Beninate Beninate attended the University of Virginia majoring in both Biology and Environmental Science. He has worked with the Florida DEP and PBS&J. He attended law school at the University of Florida and started his legal career with Harrison Sale McCloy where he was made a partner in 2013. Beninate was involved in the sale of the old airport property in order to construct and open the Northwest Florida Beaches International Airport. Now, he focuses on local government and airport law, contracts, governmental regulatory matters, and creditors’ rights in bankruptcy. Currently, he devotes his practice representing the local airport and serves as general counsel for the NW Florida’s Transportation Corridor Authority. Beninate is a member of the Florida Bar, St. Andrews Bay American Inns of Court, the Bay County Bar Association, and the Rotary Club of Panama City Beach. He is also a graduate of Leadership Bay.

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BAY BIZ | APRIL - JUNE 2014


Bay Medical Sacred Heart

Family and Internal Medicine Bay Medical-Sacred Heart’s team of experienced family and internal medicine physicians provides quality care for common health issues and minor medical emergencies. With several convenient locations throughout our community, our friendly staff is here to help you. Some of our services include: f Adult medicine (16 years and older) f Same-day appointments for minor emergencies f Immunizations f Sports Physicals f Medicare initial physical & annual wellness visits f Hypertension management f Diabetic management f Pulmonary disorders

Openings for New Patients All Major Insurances Accepted

f Women’s health/annual exams

1 2101 Northside Dr., Ste. 702, Panama City

Jennifer Follwell, D.O. Family Medicine 850-770-3210

3

2 2420 Jenks Avenue, Suite 5, Panama City

Stephen Armistead, M.D. Family Medicine 850-770-3260

2421 Thomas Drive, Panama City Beach

Maria Parris, D.O. Family Medicine 850-770-3240

Emma Stoll, M.D. Internal Medicine (850) 770-3240

Brian Shaheen, M.D. Family Medicine (850) 770-3220

Christy Johnson, ARNP Family Medicine (850) 770-3220

Our Locations 2 1

3

BAY BIZ | APRIL - JUNE 2014

31



The Emergency Room is no longer your only option. If you wish to escape the long waits and do not have a life threatening injury, consider visiting The Village Health Center.

Florida Department of Health in Bay County www.baycountyhealth.org


For a complete and up to date list of all Chamber activities, including committee meetings, visit our website at www.PanamaCity.org

April

May

June

Tourism Appreciation Month

4th

2nd

6th

FSU Panama City Holley Academic Center (4750 Collegiate Drive)

FSU Panama City Holley Academic Center (4750 Collegiate Drive)

FSU Panama City Holley Academic Center (4750 Collegiate Drive)

First Friday*

Networking: 7:15 a.m. / Program 8:00 a.m. Sponsored by: Gulf Coast Children’s Advocacy Center

29th

Board of Directors Block Party* Bay County Chamber of Commerce (235 W. 5th St)

5 p.m. to 7 p.m. Sponsored by: Bay County Chamber of Commerce Board of Directors and InkTrax

First Friday*

Networking: 7:15 a.m. / Program 8:00 a.m. Sponsored by: Gulf Coast State Corporate College

13th

First Friday*

Networking: 7:15 a.m. / Program 8:00 a.m. Sponsored by: United Way of NWFL

7th Annual Jungleball Volleyball Tournament and Business After Hours*

On the beach behind Boardwalk Beach Resort (9450 S. Thomas Drive)

4:30 p.m. to 7 p.m. Sponsored by: Royal American Beach Getaways, Peaden, and Panama City Beach TDC

30th

18th Spring Classic Golf Tournament Hombre Golf Club (120 Coyote Pass)

Registration - 11 a.m Great Golf Ball Drop - 11:30 a.m. Shotgun - 12 p.m. Great Golf Ball Drop (sponsored by: Gulf Power and Merrill Lynch) - You could win $1,000 if your golf ball is first in the hole. Call 850.785.5206 for chance to win tickets

Sponsored by: Finale Enterprises, Garner IT, Healthsouth and Panama City Beach TDC

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BAY BIZ | APRIL - JUNE 2014

* = Free event to Bay County Chamber members and invited guests NOTE: Dates, times and locations subject to change. For sponsorship information, please contact: Elizabeth@baychamberfl.com or call 850-215-3761


YOUR BEHAVIORAL HEALTH PROVIDER SERVING N.W. FLORIDA FOR 20 YEARS NOW PROUDLY SERVING 16 COUNTIES www.flatherapy.com/Toll Free: 877-234-5351 Helping People

Healing Lives

Giving Hope

BAY BIZ | APRIL - JUNE 2014

35


Accurate Control Equipment, Inc. 455 Pine Ave. Fairhope, AL 36532 (251) 928-4976 (251) 928-4935 (fax)

Human Performance Consulting 2432 Pretty Bayou Island Dr. Panama City, FL 32405 (850) 319-5267

Americans for Prosperity 200 W. College Ave., Ste 113 Tallahassee, FL 32311 (850) 508-6957

Human Resource Management Association PO Box 1802 Panama City, FL 32402 (850) 596-7335

Bay Arthritis Institute 2195 Jenks Ave. Ste. C Panama City, FL 32405 (850) 215-3062 (850) 215-3024 (fax)

i9 Sports 2310 S. Hwy 77, Ste 110 Lynn Haven, FL 32444 (850) 303-2009

Bridging the Gap Recovery 220 S. Arnold Rd. Panama City Beach, FL 32413 (850) 249-4300 (850) 640-1174 (fax)

Impact Fitness 5420 Hickory St. Panama City, FL 32404 (850) 522-7045

Broadband Dynamics Services Inc. 506 Candlewick Dr. Panama City, FL 32405 (850) 441-3073 (850) 441-3117 (fax) Coastal Living Home Care, LLC 5717 Thomas Dr., Unit 115 Panama City Beach, FL 32407 (850) 890-1228

Superior Residences of Panama City Beach 95 Grand Heron Dr. Panama City Beach, FL 32407 (850) 532-9335 Tadlock Roofing Inc. 2609 W. 23rd St. Panama City, FL 32405 (850) 785-7777 The Unlimited Path of Central Florida, Inc PO Box 897 Panama City, FL 32402 (850) 873-6415 Tokyo Steakhouse 144 E. 23rd St. Panama City, FL 32405 (646) 578-0382

Islamic Understanding Institute 237 W. 15th St., Ste F Panama City, FL 32401 (850) 215-4840

Transworld Business Advisors 1441 Tate Lane Bonifay, FL 32425 (850) 208-3933

MaxOut with Zenovia 404 S. Tyndall Parkway # A Panama City, FL 32404 (850) 215-4850 (850) 871-3497 (fax)

Credit Card Savvy 4004 Deerpoint Lake Dr. Panama City, FL 32409 (919) 451-2613 (850) 441-3569 (fax)

Panama City Assisted Living, LLC 846 Lake Amick Dr. Niceville, FL 32578 (850) 420-8699 (850) 279-4281 (fax)

David Costa Ent. DBA McDonalds 1480 Hickory St., Ste 104 Niceville, FL 32578 (850) 897-3169

Sunjammers Watersports 315 N. Highway 79 Panama City Beach, FL 32413 (850) 235-2281

Visiting Angels 2101 Northside Dr., Ste 304 Panama City, FL 32405 (850) 215-3300 (850) 215-8683 (fax)

Florida Health Connector 16500 PCB Parkway Panama City Beach, FL 32413 (850) 249-1010 (850) 249-7787 (fax)

William Warneck, O.D. BOARD CERTIFIED OPTOMETRIST Inside Vision Works in the Panama City Mall 2146 Cove Boulevard • Panama City, Florida 32405 Phone: 850.785.4000 • Fax: 850.769.6425 www.williamwarneckoptmetrist.com

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BAY BIZ | APRIL - JUNE 2014

And Presents the 21st Annual Date: Saturday, April 26, 2014 Time: 10:00 a.m.—4:00 p.m. Place: Central Panhandle Fairground Admission is Free! Donations will be accepted.


5 Years

Bay County Clerk of Court Counts Oakes Resort Properties Davis Oil Company Eastern Shipbuilding Group Emerald Coast Behavioral Hospital Graham & Company Kenny Strange Electric Inc. Ladybug Embroidery Designs & Gifts Lori Bates Interiors Minuteman Security Agency Powell Broadcasting Prine & Keller Orthodontics

10 Years

CF Sign & Stamp Company Dale Carnegie Training Habitat For Humanity of Bay County Mason Title NAI Talcor Ron Wolff Servpro of Bay County Summit Condominiums TSYS Merchant Solutions The Write Place West Florida Regional Planning Council

15 Years

Brain & Spine Center, P.A. Capstone House, Inc. Carr, Riggs & Ingram LLC Chevron USA, Inc. Mary Kay Cosmetics P.C. First Assembly of God Prudential/Shimmering Sands Realty Specialists of the South, Inc.

20 Years

Better Business Bureau of NW Fla Deloitte Consulting LLP Office Depot Publix Super Markets, Inc. #481

25 Years

Bay County Farm Bureau Bay Medical Sacred Heart Boys & Girls Clubs of Bay County Cargill Steel Service Centers Port Panama City, USA

30 Years

Edgewater Beach & Golf Resort

35 Years

Digestive Diseases Center The Salvation Army

40 Years

Bay Radiology Associates P.A.

45 Years

Hy’s Toggery, Inc.

60 Years

Tipton, Marler, Garner & Chastain


1

2 4

3

1.

Governmental Affairs Committee with Speaker of the Florida House of Representatives, Will Weatherford and Rep. Jimmy Patronis 2. Leadership Bay Tours NSA-PC 3. Packed House for Joint January First Friday With Panama City Beach Chamber of Commerce 4. Junior Leadership Bay Mock Trial at the Bay County Courthouse 5. Members Enjoy February Business After Hours at CareerSource Gulf Coast 6. Lauren Merriam Award Winner, Hugh Roche and Family at the 2014 Annual Dinner & Awards Ceremony

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BAY BIZ | APRIL - JUNE 2014

5


Competitive. Convenient. And local. Join us. Get what you need from a local financial institution.

Free Online Banking, Mobile Banking & Bill Pay / Vehicle Loans / VISA速 Debit and Credit Cards / Home Equity Lines & Loans / Checking Accounts

Six branches to serve you. Panama City Beach Branch 910 Thomas Drive

Callaway Branch 864 North Tyndall Parkway

Lynn Haven Branch 2250 South Highway 77

Panama City Branch 700 West 23rd Street

Downtown Panama City Branch Back Beach Branch 625 Jenks Avenue 17900 Panama City Beach Parkway

If you live, work, worship, attend school or volunteer in Bay County you qualify for Innovations membership.

Federally insured by NCUA EQUAL OPPORTUNITY LENDER

innovationsfcu.org

|

sparkinglocal.com

BAY BIZ | APRIL - JUNE 2014

39


235 W. 5th Street Panama City, FL 32401


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