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STATE’S LARGEST PEACH ORCHARD FOCUSES ON AGRITOURISM PAGE 6

Mid-South Co-op

PAGE 3

APRIL 2018

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THE NORTHEAST MISSISSIPPI

BUSINESS JOURNAL

APRIL 2018

Game of chicken between US, China could hurt Mississippians

DENNIS SEID

W

ith a total economic impact of $7.6 billion, agriculture is Mississippi’s largest industry, employing about 29 percent of the state’s workforce either directly or indirectly.

More than 36,000 farms in the state cover 10.7 million acres, with each farm averaging about 296 acres.

At $2.8 billion, the poultry and egg segment is the largest chunk of the state’s agriculture industry.

Laurel-based Sanderson Farms in the third-largest poul-

try company in the U.S. Tyson Foods, the largest, as well as fifth-ranked Koch Foods also have facilities in Mississippi. All told, with more than 20 poultry processing plants, Mississippi ranks fifth in overall broiler production.

Mississippi also is home to Cal-Maine Foods Inc., the largest table-egg company in the U.S. According to the Mississippi State University Extension Service, the state’s poultry industry has a “positive economic impact on many other businesses, both directly and indirectly. Many individuals and industries benefit from the poultry industry in Mississippi. For example, more than 1,400 small farmers contract with poultry integrators to produce pullets, breeders, and broilers in Mississippi.

Mississippi row-crop farmers

produce corn and soybeans, which are the major ingredients in poultry diets.”

But with the U.S. and China now skirmishing in what could very well turn into an all-out trade war, Mississippi’s agriculture industry could suffer.

Poultry won’t be affected much by Chinese tariffs – the market is still not open to U.S. exports of broilers or eggs. But officials have been working to get back into China, with its population of 1.3 billion. That’s a lot of mouths to feed, and poultry farmers would like to get their feet in the door.

And speaking of feet ... While Americans throw away chicken feet, the Chinese, particularly those in the southern provinces, like the chicken “paws” or “phoenix talons” as they’re called. It’s an acquired taste.

But if U.S. producers can get into China on a larger scale,

they can add to their bottom lines by selling not only whole chickens, but those feet, too.

Meanwhile, soybean growers, beef and cattle farmers and hog processors will most assuredly be hurt by Chinese tariffs.

Soybeans are the third-largest agriculture industry in the state, valued at $1.1 billion.

Beef and cattle account for $285 million. Hogs and pigs are valued at $117 million, good for ninth place.

In the latest tariff exchange, China said it would impose tariffs of 25 percent on soybeans, the biggest U.S. export to China, and aircraft up to 45 tons in weight. Also on the list were American beef, whiskey, passenger vehicles and industrial chemicals.

Soybean growers in the Mississippi would be hit hard by punitive tariffs. In the year that ended last Aug. 31, Ameri-

ca’s soybean farmers sent $12.4 billion worth of soybeans to China. That was 57 percent of total U.S. soybean exports.

Last year, China was Mississippi’s fourth-largest export market. The Magnolia State sold some $783 million in goods there.

The nearly 3,300 soybean farms in the state harvested some 2.2 million acres last year, collecting more than 115 million bushels of soybeans.

More than half, valued at $555 million, went overseas – and much of that to China.

So you see the problem with a growing trade war. Tit-fortat tariffs will financially hurt many. And for an agricultural state like Mississippi, the pain could be excruciating.

CONTACT DENNIS SEID at (662) 6781578 or dennis.seid@journalinc.com.

Twitter: @dennisseid

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MID-SOUTH CO-OP: FARMER’S HELPING THEMSELVES

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BY DENNIS SEID BUSINESS JOURNAL

GUNTOWN – Since opening three years ago, the Mid-South Farmers Co-op has grown to more than 100 members.

“We’re part of the Tennessee Farmers Co-Op, but we’re locally owned by the farmers of this area,” said area manager Bobby Deaton.

Farmers cooperatives, or co-ops, are owned by farmers who are members of the co-op. The co-ops handle, process and market almost every type of agricultural commodity; furnish farm supplies; and can provide credit and related financial services. Earnings go back to the farmer members on a patronage DEATON basis.

“We keep part of (the earnings) to help run the business, but the rest is distributed back to the farmers,” Deaton said.

The members of Mid-South are mostly larger row-crop farmers who grow soybeans, corn and cotton. It services members from as far north as the Mississippi-Tennessee line and as far south as Aberdeen.

“We just saw a need for an area that wasn’t being serviced,” Deaton said.

“Most of the product being sold was being brought in from other locations, mostly 30 minutes to an hour south of us. We saw a need to be in this area” Mid-South in Guntown started with Deaton and a pickup truck, but then added a small warehouse. Don Turner joined as facility manager. It has expanded to 30,000-square feet and employs 12.

Farmers can purchase seed, fertilizer and “fertilized seed and crop protection items” – otherwise known as chemicals – at Mid-South. Also, it is in the process of adding fertilizer equipment.

There are more than 2,500 local farmer cooperatives across the country. The majority of America’s 2 million farmers and ranchers belong to one or more farmer cooperatives.

ADAM ROBISON | BUY AT PHOTOS.DJOURNAL.COM

Brandon Inghram, an employee at Mid-South Farmers Co-Op in Guntown, uses the forklift to move soybean seeds to be treated in the warehouse as he guided by fellow employee Kenneth Barnett.

By working together and buying from the co-op in which they’re members, farmers are essentially paying themselves.

“We’re not motivated solely by profits,” Deaton said, referring to other national and international agricultural suppliers who sell to farmers who aren’t co-op members. “We do have to make a profit to pay for overhead, but our money stays locally. We reinvest what we make, whereas our competitors include a company based in Japan and the other is owned in Canada.”

Added Turner, “Being part of a co-op, the more a member spends, the more efficient we get and the more volume we move. That’s the point we are now.”

And as efficiency grows, more of the TURN TO CO-OP, 4

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WHATARECO-OPS?

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Farmer cooperatives, or co-ops, handle, process and market almost every type of agricultural commodity; furnish farm supplies; and provide credit and related financial services, including export financing. Earnings from these activities are returned to their farmer members on a patronage basis, helping improve their income from the marketplace.

There are more than 2,500 local farmer cooperatives across the country. The majority of America’s 2 million farmers and ranchers belong to one or more farmer cooperatives.

Farmer cooperatives also provide over 250,000 jobs, with a total payroll in excess of $8 billion, and contribute significantly to the economic well-being of rural America.

Source: National Council of Farmer Cooperatives

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BUSINESS JOURNAL

APRIL 2018

APRIL 2018

Co-op

four tractors and a sprayer and a combine, then you need a FROM 3 lot of acres to help spread that profits can be shared. cost.

“Our chief motivation is “You have to have a lot of making the best recommenda- capital to go into farming.” tion for our farmers,” Deaton Most of the farmers serviced said, “and to help them be

by Mid-South have an average more profitable per acre.” of some 1,500 acres and go up The farming landscape has to 4,000 acres. change greatly over the years, And to help serve them Midas smaller farms are absorbed South has three sales repreinto bigger operations. A big sentatives who visit farmers reason why that’s happening is across the region. Mid-South that more farmers are retiring, also has a precision agriculand there are fewer taking up ture specialist on staff who the mantle. pulls soil samples and makes “It’s hard to make a living recommendations for farmers. as a farmer unless you have A full-time agronomist also is the acreage to buy the equipon staff. ment,” Deaton said. “If you “We want to offer a variety buy a $400,000 combine, you of services to farmers,” Deaton have to have the acreage ... said. “We want to maximize Tractors are another $200,000 yield potential for them, and to $300,000 each. Planters run that helps out everybody.” for about $150,000. You do the math on a planter, three or dennis.seid@journalinc.com

ADAM ROBISON | BUY AT PHOTOS.DJOURNAL.COM

Don Turner, the facility manager of Mid-South Farmers Co-Op in Guntown, talks with John Burleson as they move one of their Vector fertilizer spreaders around in the back of the warehouse.

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BUSINESS JOURNAL

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BUSINESS JOURNAL

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Soybean growers already feeling impact of trade tiff

Trade Representative issued a list targeting 1,300 Chinese products, BELZONI – Jeremy Jack including industrial and his father, Willard, robots and telecommuniare among the largest cations equipment. The growers in the state. suggested tariffs wouldn’t Together, they run take effect right away: A Silent Shade Growing public comment period Co., which manages will last until May 11, and more than 4,000 acres in a hearing on the tariffs the rich farmland of the is set for May 15. ComMississippi Delta. panies and consumers “Soybeans are a serious will have the opportunity part of our business,” to lobby to have some said Willard Jack, who products taken off the list started farming in 1971. or have others added.

Jeremy is executive On Wednesday, China director of the Mississippi responded with a $50 Soybean Association and billion list of U.S. goods Willard has been a presi- including soybeans and dent of the group. small aircraft for possible The Jacks, like many tariff hikes of 25 percent. growers in the state and But the Jacks say China around the country, are had already been makkeeping a close eye on ing it tough on soybean the tariff battle between growers. the United States and “They’ve already been China. buying out of Brazil and “We’re very conare willing to buy them cerned,” Willard Jack for a dollar more than said. “China buys a third what they’re paying for of the U.S. soybean in the U.S.,” Jack said. crop, and then they buy “So, they’ve already another 10 percent in started with the tariffs, meat, mostly pork and in my opinion. China’s chicken.” government buys all the Last month, President soybeans... it has a great Donald Trump and his administration imposed a impact on us.”

Mississippi planted 2.2 tax on Chinese steel and aluminum in an effort million acres of soybeans to narrow the trade gap last year, and the value of and, according to tariff the crop was more than supporters, bring back $1.1 billion. More than jobs in the industry to the half, valued at $555 milU.S. China answered with lion, went overseas – and $3 billion in tariffs on a much of that to China. host of U.S. products, “This is the most seincluding apples, pork rious situation I’ve ever and ginseng. seen over soybeans,” Then on Tuesday, the Willard Jack said. “It’s Trump administration the most serious game fired back, proposing 25 they’ve ever played, and percent tariffs on $50 bil- I don’t think most people lion in Chinese imports realize that. China started to protest Beijing’s poliabout six months ago cies that require foreign talking about the foreign companies to hand over material in our beans. their technology.

Usually they’ll complain, The Office of the U.S. but we can usually deal

BY DENNIS SEID BUSINESS JOURNAL

with it. Now I don’t know.

When they’re willing to pay $1 more for soybeans from Brazil instead of the U.S., that’s a serious message.”

According to Reuters, a decade ago, the U.S. supplied 38 percent of soybeans to China, the world’s top importer, compared to 34 percent from Brazil. Now, Brazil supplies 57 percent of Chinese imports compared to 31 from the United States, according to China’s General Administration of Customs.

If China continues to buy fewer soybeans from the U.S., and by extension, Mississippi, the impact will be far-reaching.

“There’s great consumer impact,” Willard Jack said. “We’re talking car dealers, machinery dealers, chemical dealers, etc. A lot of people are affected when income drops.”

And declining farm income is a troubling trend.

The U.S. Department of Agriculture forecasts net farm income this year will be $59.5 billion, a nearly 7 percent from from last year. That’s also the lowest since 2006 and would be down 52 percent from a record $123.8 billion in 2013. Farm income has fallen in three of the past four years.

Agricultural tariffs will certainly not help.

The Jacks say farmers and consumers need to put pressure on Congress to take another look at getting in a trade war with China.

“When China starts taking 10 percent from us, it hits everybody’s back pocket,” Willard Jack said. “That’s money that won’t come back,

and that’s a serious concern for everybody.”

However, U.S. Commerce Secretary Wilbur Ross is brushing off concern over a trade war with China. In an interview with CNBC Wednesday Ross said that tariffs imposed by China amount to 0.3 percent of U.S. GDP and that some action on tariffs has been “coming for a while.”

“What we’re talking about on both sides is a fraction of 1 percent of both economies,” he said.

The larger concern, Ross said, is the protection of U.S. intellectual property. dennis.seid@journalinc.com Twitter: @dennisseid

STR

Workers load imported soybeans at a port in Nantong in east China’s Jiangsu province. China on Wednesday, April 4 vowed to take measures of the “same strength” in response to a proposed U.S. tariff hike on $50 billion worth of Chinese goods in a spiraling dispute over technology policy that has fueled fears it might set back a global economic recovery.

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APRIL 2018

BUSINESS JOURNAL

APRIL 2018

Largest peach growers in state turn focus on agritourism

BY CRISTINA CARREON BUSINESS JOURNAL

PONTOTOC – Agriculture is the top industry in Mississippi, employing nearly 29 percent of the workforce directly or indirectly and generating over $7 billion in revenue, according to the Department of Agriculture and Commerce.

Agritourism is one of the fastest growing tourism markets in the state. The most recent agricultural data from the 2012 U.S. Census on agriculture, which is completed every five years, showed that around 500 farms offered agritourism and recreational activity across Mississippi, generating $3.1 million in gross revenue.

Cherry Creek Orchard is a 123-acre peach orchard established in 1981, and is the largest peach orchard in the state with around 25 varieties on peaches.

There were only 2,000 trees when owners Amanda and Wylie Stark purchased Cherry Creek Orchard eight years ago from Wylie Stark’s third cousin Ray Stark. The Starks soon after planted 4,000 trees, and today the farm has 6,000 trees.

The farm also grows peaches, nectarines, plums, blackberries, purple hull peas, apples, tomatoes, figs and muscadine and scupadine grapes. The farm also distributes honey from hives on their land managed by Marcus Coward, an area beekeeper. Amanda Stark’s parents, Gordon and Susan Easterling, provide additional honey and blueberries grown in Pontotoc.

Neither Amanda no Wylie Stark grew up on a farm.

Amanda Stark grew up with a large family garden, where her mother grew blueberries and now has nearly 300 plants.

“I guess you could say I grew up more around stuff being grown than he did, but he enjoyed it more than I did,” Amanda Stark said.

Wylie Stark planted watermelons and other produce

outside Holly Springs, who is working to strengthen marketing for his products.

Carter said when farms are able to bring in visitors to these rural areas, there is a direct financial impact on the state’s economy.

“It’s a great way to diversify a farm, for example if you have someone who makes syrup and they also have a tour on their farm,” Carter said. “Then that’s another way the farmer can bring income into the farm.”

The Starks have held weddings, hosted senior groups and Pontotoc City Schoosl regional and invitational cross country meets, of which 36 school teams met at the orTHOMAS WELLS | BUY AT PHOTOS.DJOURNAL.COM chard in 2017.

Wylie and Amanda Stark, the owners of Cherry Creek Orchards, bought in 2010.

And in the fall, the Starks offer apple-picking. | | when not working at his former The Starks are currently lookbusiness, Tru-Cut Frames, ing into hosting a photography where he was cutting frames tour event of the peach trees for furniture. He began helping Location: 4660 Hwy 345, Pontotoc, MS 38863 when they bloom, in addition Phone: (662) 489-7783 grow nectarines on his grandto the two peach-centric events Facebook: www.facebook.com/cherrycreekorchards father’s land in 1997 before held each year. Amanda Stark purchasing his own land. said social media has helped runners at the race. searched high and low for the “Stark Orchard used to be the farm reach younger gener“I’ve always wanted to have perfect spot in Pontotoc to behind this orchard, but it’s ations. grow peaches and ended up in a run out here,” she said. “I’ve not there anymore, and I grew “A lot of people come out run here for years.

“We just Cherry Creek,” Amanda Stark watermelons,” Wylie Stark said. took my little running path and here and take photos when the “I always loved to grow things.” said. “They say the soil is good decided to make it a race, just to orchard’s blooming, so we may Every Saturday morning, the on this ridge.” get people out here. They get to have a photo walk where local Starks load up trucks full of run through the orchard during photographers submit their fresh produce to sell at farmer’s FESTIVAL AND RUN photos that have been taken peach season, so you can run markets in Tupelo, Oxford, ColThe Starks host two major through the orchard and see all out here,” she said. “It will lierville, Hernando, Memphis annual events. One is the Ecru be at the old gin in Ecru, and of the peaches hanging.” and New Albany.

Peach Festival, which will people can walk through the The run is named the “Trail Farming is a year-round feature live entertainment, arts gin and see the photos. After of Fury” because of the sumprocess of pruning, thinning, and crafts and food vendors, that we’ll do tractor tours of the mer heat, but there is also a growing and harvesting. and possibly an antique tractor orchards.” variety of peach called Flamin’ Rain in early spring means show.

The Flamin’ Fury Trail Run Fury. the farmers cannot prune the “Ecru has had so much dewill be held July 14 at 8 a.m.

Mississippi State University orchards on time to be ready velopment and we’re so close and will feature a 4-mile loop Extension Instructor Rachael to them, I thought it would be for fall, but doesn’t set them through the orchard. Apancake Carter works with farms to back too much. The Starks will good to have it in Ecru to get breakfast will be held aftergrow tourism in agricultural people to the town so they can also thin out 80 percent of the ward featuring the orchard’s communities and said farms see the stuff going on in Ecru,” peaches on the tree so that 20 fresh fruit. The Ecru Peach are developing strategies to Amanda Stark said. “We live percent of the produce can Festival will be held in Ecru bring in visitors to increase close and my kids go to school grow bigger. that afternoon, following the in North Pontotoc.

I’m trying to visibility, increase value and The orchard was planted by race. Tickets to the race can bring the community togethdemand of farm products, and George Adrian, whose family be purchased at https://www. er.” diversify products. still owns apple orchards in racesonline.com/events/ The Flamin’ Fury Trail Run The most recent producer Indiana. flamin-fury-peach-trail-run.

Carter worked with in North“They wanted to grow peach- was started last year because Amanda Stark loves to run. The east Mississippi was David cristina.carreon@journalinc.com es and found this spot of land Coopwood, a syrup producer Twitter: @Ccarreon90 here and the story goes George inaugural event attracted 150

CHERRY CREEK ORCHARD

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BUSINESS JOURNAL

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Wall-to-wall carpet is a popular option for flooring, but spills and day-to-day foot traffic can make it look dingy. Knowing how to clean carpet will help it look good and last longer. Routine maintenance is the first step to a clean carpet. Vacuuming regularly is key. Experts recommend vacuuming two or three times a week to remove daily dirt and debris. Part of your regular maintenance will include removing stains that happen from day to day, when the kids spill grape juice or the dog throws up on the berber carpet. You can use a store-bought stain remover or make your own from ingredients in your kitchen. Here how to clean carpet stains, by type. OILS (GREASE, CRAYON, MAKEUP): Scrape off as much of the stain as you can. Use a towel or cloth to put rubbing alcohol on the soiled area. Blot with a clean towel.

For a deep stain, you may need to repeat the process a couple of times. Here’s how to get rust stains out of carpet. Put lemon juice on the rust stain. Sprinkle with cream of tartar. Rub in the solution and let it sit 15 to 30 minutes or until the rust is gone. Blot the area with a towel or cloth soaked in clean water. Don’t scrub or you may spread the rust stain. Dry the area with a towel. ORGANIC (BLOOD, BERRIES, FRUIT JUICE): Pour a capful or two of hydrogen peroxide directly on the stain. Use the 3-percent solution available at drugstores. Let sit for 5 minutes, then dab with a soft cloth or sponge dipped in clean water. Use a towel to dry the area. MUD: Let the mud dry. Break it up into small pieces and vacuum. Mix a few drops of liquid dish soap with warm water and put on the soiled area. Dab with a sponge or soft cloth. Use a towel to dry the area. PET URINE: If you have a cat or dog, you have to know how to get pet stains out of carpet. Mix 1 cup of white vinegar with 1 cup warm water and put in a spray bottle. Spray on soiled area. Let sit for 5 minutes, then blot with a clean cloth.

For extra cleaning power, sprinkle baking soda on the stain and then clean with the water/ vinegar mixture. KETCHUP AND OTHER ACIDIC MATERIALS: Mix 1 tablespoon of ammonia with 1 cup of warm water and put in a spray bottle. Spritz cleaning solution on stain. Blot excess liquid out of carpet with a clean towel. Repeat until stain is gone. As a backup: Clean with hydrogen peroxide. (See above). About once a year, you’ll need to deep clean your carpet. A “Dry Cleaning” system has some major advantages over shampooing. Because dry cleaning uses very little water, you do not have to wait for your carpets to dry, and do not have to worry about getting the padding wet and potentially getting mold and creating a breeding ground for allergies. Additionally, stains will not reappear due to “wicking” action of dirt particles created by evaporation. Lastly, your carpets should stay cleaner longer as detergents will not be left behind in your carpet and continue to attract soils. Your local Oreck store has experts that can answer most of your questions and help you solve many of your floor care problems. We can also help you solve allergy prodblems. Mention that you read this article and get $5.00 off a weekend dry cleaner rental. (regular price $25).

How do you clean carpet stains?

Does my dog need Heartworm prevention year-round?

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

Glaucoma is a disease Chelsea M. process of the optic nerve McKnight, O.D. in the eye that causes progressive, painless and irreversible vision loss. There are various types of glaucoma and in general, it is one of the leading causes of adult blindness. Glaucoma is often, but not always, associated with increased eye pressure and reduced blood flow to the optic nerve. This condition can usually be treated with topical drops, surgery, or a combination of methods.

Healthy teeth can be moved at Dr. Russell any age, though the American Association of Orthodontists (AAO) recommends children see an orthodontist by age 7. Some patients require treatment this early to address traumatic tooth position concerns or jaw development problems, though many young patients can wait to start orthodontic treatment around ages 11 or 12. More and more adults are seeking orthodontic treatment, some even in their 60’s and 70’s to address specific esthetic or dental health concerns. Regardless of age, all patients can benefit from orthodontic treatment. Call my office today to schedule your complimentary consultation!

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

What is Glaucoma?

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Non-invasive cardiac tests: Amit Gupta Coronary calcium score performed MD FACC within in a few seconds, is an inexpensive test that detects hardening of the coronary arteries and predicts heart attack risk. Echocardiogram helps detect heart muscle and valve abnormalities, birth defects and blood clots. Treadmill stress test helps to assess the cause of chest pain. PET scan and nuclear stress test can be used in place of a plain treadmill for patients who cannot exercise to assess the blood flow to the heart. Coronary CT angiogram helps rule out significant arterial blockages, accurately detects coronary plaque burden and predict future cardiac risk, without the high costs and potential risks of invasive cardiac catheterization. Electrocardiogram and Holter monitor are helpful in diagnosing heart rhythm abnormalities. All of these tests can be performed safely in an office setting and choosing the right tests for each patient requires the expertise of a board certified cardiologist.

What are some of the less invasive diagnostic imaging tests for heart disease?

CARDIOLOGY

86 S Thomas St. Tupelo, MS 662.844.0444

When you go to the Doctor and Jamie Gunnells receive a prescription, many of R.Ph. the symbols and words are hard to understand. That’s because the medical profession relies on the Latin language for precise naming of things. For example the abbreviation Rx means recipe or to take. In the old days Pharmacists mixed most of the medications using a recipe ordered by the Doctor.

The Doctor now writes on the prescription the specific medication and uses Latin abbreviations to convey to the pharmacist how the medication should be used. In our example bid is the abbreviation for the Latin phrase “bis in die” or twice daily, tid is “ter in die” or three times daily. PRN stands for “pro re nata” or as needed.

Latin is called the dead language because its falling out of use. So are medical abbreviations because of potential errors.

What does bid, tid, prn stand for on prescriptions?

MEDICINE

What age is appropriate to see an orthodontist?

ORTHODONTICS

113 Robins St. Tupelo, MS | 662.841.2692

Amy Pietrowski is a former United States Marine Corps Gulf-War veteran

HOME CLEANING

Yes!!!! There is no “off-season” Shelbi McMillan for heartworm prevention, and it should be administered year D.V.M. round. Heartworms, or Dirofilaria immitis, are parasitic worms that migrate through the bloodstream to the vessels of the lungs and right side of the heart.

If left untreated, these parasites mature and can lead to major health issues including death. Heartworms are transmitted through the saliva of infected mosquitoes, which is the main reason we recommend prevention year-round. According to recent studies, Mississippi has the most prevalence for heartworm positive dogs. This is most likely due to our warm climate and multiple areas of stagnant water which are perfect reservoirs for mosquitoes. Since our weather patterns are so unpredictable, it never stays cold enough for a long enough period of time to kill off these pesky mosquitoes. Fortunately, there are various types of heartworm preventions including monthly chewables, topicals, and a 6 month injectable. Is it very important to discuss these options with your veterinarian and choose the perfect fit for your furbaby to ensure their health.

Amy Pietrowski An individual’s retirement account may be considered marital property and subject to being split equally upon a divorce between the parties. Martial property comprises any asset gained during the marriage, regardless of whether it was gained together or separately. However, a division of marital property is determined by many factors and, thus, there is not one simple answer to this question.

The Supreme Court of Mississippi formulated factors to be considered in an equitable division of marital assets under a divorce heard before that higher court in Ferguson v Ferguson. These factors are commonly referred to as ‘Ferguson factors’ and a more in depth analysis can be discovered by researching this case.

If I get a divorce late in life should there be a division of retirement benefits?

LAW

ANIMAL CLINIC

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For those of you who like a Bill Smith cool season garden, the time is NOW! Now is the perfect time to plant potatoes, onions,greens, such as mustard,turnip, chard, cabbage. We have experienced extremely wet winter and soil preparation will be a MUST! Composting will help alleviate some of the wet issues that occur. Mid April is usually the last chance of predicted frost, so wait until then for your warm season plants. However, preparing now will help you to get the most out of summer garden.

When is the best time to start planting the garden?

LANDSCAPING

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First, it is important to know the age at which you CAN BEGIN taking withdrawals from retirement accounts without penalty Trey Trapp age 59.5 - and the age at which you MUST BEGIN taking withdrawals which is called your Required Minimum Distribution - age 70.5. These ages are the same for a 401(k) and a Traditional IRA. However, the Required Minimum Distribution age at which you MUST BEGIN taking withdrawals does not apply to a Roth IRA so that money can continue to grow tax-free for as long as you like.

Another option that you may want to consider is consolidating all of your retirement accounts into a single IRA. You can roll over your 401(k) into an IRA as soon as you retire or leave employment. This may be beneficial for a couple of reasons - potentially reduce transaction fees on your 401(k) withdrawals as well as being able to select which funds to sell at the time a withdrawal is taken. This is something that you would want to strategize with your financial advisor on in order to reduce any potential tax liability.

You will also want to get a plan together with your financial advisor on how much to withdrawal annually from your retirement accounts. While most advisors have adopted the ‘4% Rule’ as a basic principle to ensure you don’t outlive your savings, that amount can vary based on each individual. Factors such as life expectancy, investment performance, living expenses and Social Security all play a factor in determining the appropriate amount for you.

I’m about to retire and I’m not sure how or when to start withdrawing from my 401(k) and other retirement accounts. What should I consider?

FINANCE

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Yes, in order to burn body fat, you Bruce Welch must have a more alkaline pH. Ideally , our bodies draw on alkaline nutrients to inactivate acids so they can be flushed out. If alkaline are in short supply, acids build up, damaging healthy cells, breaking down muscle tissue and disrupting glucose control. The result: metabolic machinery slows to a snail’s pace, causing weight gain, fatigue, mood swings and more.

The body begins to shuttle excess acids into fat cells so they can’t harm vital cells. In turn, the metabolism slows even further in order to generate more fat cells, which are the safe containment units for excess acids making losing weight virtually impossible. The good news: swapping foods with an acidic pH (such as table salt and dairy products) for alkaline ones (like gourmet salts, coconut oils and milk, and green food powders) can neutralize excess acids and switch the body into fat-burning mode within 2 days. Add green food powders, coconut oil, coconut milk and Redmund’s Real Salt to start alkalizing the system. Choose 2 or more of these items and you will see the weight quickly melt off your body.

The safety of dental X-rays is an Tom Kellum, DDS important topic to discuss. The Dan Kellum, DDS National Academies’ National Research Council has said that low doses of radiation pose some risk for cancer even though the risk is small. The risk is less now with digital sensors for bitewing, periapical and panoramic studies.

Our office, as well as most dental offices, uses these sensors to take the radiographs. A series of four bitewing X-rays use about 0.005 mSv of radiation, which is less than a day of natural background radiation or a flight of around 2-3 hours in a commercial airline. Who would cancel a flight due to fear of radiation of this intensity?

We as dentists are sensitive to patient’s health when it comes to radiation. We take these X-rays to be able to diagnose decay, abscesses, periodontal disease, and other pathology. There are some patients who are more prone to dental disease who need more frequent X-rays ( maybe every year ) and others who are more disease-free who could have studies done once every two years.

The benefit of having the X-rays to diagnose early disease outweighs the small amount of risk from the radiation.

Sunshine Health Food Store

I’ve heard your body’s pH must be balanced in order to start losing weight. Is this true?

HEALTH FOOD

With advancements in technology, how safe are dental x-rays?

DENTISTRY

PROFESSIONAL 8

APRIL 2018

Social media audiences must be grown, cultivated

your company advertising on the radio?”

Yes, there is a place for social media. I am not against it at all. There are those who have a large following and use it effectively. They have a specific market and target to their customers.

TY ROBINSON In the early to midnce in a while I 1900s, radio had shows hear, “I do all of – comedy, drama, my advertising news, sports and other on Facebook.” Or events. So when televifeel free to add in the so- sion gained popularity cial media of your choice. in the 1950s, radio was This is akin to the printed rumored to become directory service that obsolete. Television was once told me in a sales also going to put the pitch “With our directocinema houses out of ry, you don’t have to do business. Radio adaptany other advertising.” ed. Movie theaters still As an informed marketer, exist. Even television has I responded with “If that changed a lot. We have is the case, then why is more avenues of enter-

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tainment and news than ever before, and they’re all viable. Social media has its place in this media mix.

There is a scene in the movie “Field of Dreams” where Kevin Costner’s character is walking through a corn field and a whisper comes in as a voiceover saying, “If you build it, he will come.” I think of this scene when I hear people talking about their social media sites because the phrase from the movie runs contrary to creating a social media site.

For most businesses, social media audiences have to be grown and cultivated. Audiences won’t just flock to the site because it is there.

WHERE A GREAT PERFORMANCE...

Building the site is planting the seed. Like any storefront business, social media needs traffic.

It needs followers. Keep an eye on the number of people who are followers or subscribe. This number needs to grow. The messages that are sent out to the audience must have meaning.

I pause when I hear “I do all of my advertising on Facebook” because there is a large untapped market that is not seeing the posts. And, like the sales representative for the directory service, it’s not truly the whole story.

Social media allows a business to connect with its customers in a way that some of the other media cannot.

Conversations can be started on social media.

As potential customers get answers to questions that are posted, others

can follow along in the conversation. Questions are helpful to businesses because it shows there where there may be a lack of communication when promoting their product or service.

Where one person will post a question, there are many who have the same question and may not be comfortable asking in a public forum.

If you are checking out a business or service online through social media, allow for a margin on error in the ratings. Not everyone who has experience with a business will rate it.

Poor ratings are always a challenge because the general viewer will never know the whole story. It’s also a challenge for the business to find out why it may have received a poor rating so that it can talk to the dissatisfied

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Is An Everyday Event!

Built in the heart of the Mid-South, the BancorpSouth Arena & Conference Center is designed to accommodate events that demand comfort, convenience, and flexibility.

Meeting rooms at the BancorpSouth Arena & Conference Center are built to suit most any gathering.

NEWSMAKERS

LIZ MCINTYRE has joined Renasant Bank’s Corporate Marketing Department as social media manager.

McIntyre will be responsible for managing, improving, monitoring, and maintaining the marketing, messaging and branding experience for all of Renasant Bank’s social media channels.

McIntyre McIntyre is a 2011 graduate of Millsaps College with a B.A. in communications. Before joining Renasant, McIntyre was marketing manager for The Inn at Ole Miss in Oxford. She has several years of marketing and social media experience after also working for Mangia Bene Restaurant Management Group Inc. as marketing manager in Jackson.

375 East Main • Tupelo 841-6573 • 841-6413 fax www.bcsarena.com

CLAUDE CLAYTON was recently selected as one of 20178’s Leaders in Law by the Mississippi Business Journal, the sister publication of the Northeast Mississippi Business Journal.

Clayton is a lawyer, negotiator and mediator with Clayton O’Donnell,PLLC in Tupelo. His

customer and made an appropriate course correction. My preference before giving a company a poor rating is to call and talk to an owner or manager about my experience to give them an opportunity to have a private conversation about what happened.

Most of the time, this works well.

Regardless of the social media platform, it takes time to grow. It has to be fed with postings, nurtured with relevance and be seen blooming in a field which has many other sites competing for attention. Work with it, pay close attention to it, and you will reap the benefits 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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practice focuses on business litigation, insurance law, product liability, personal injury litigation and commercial law.

Clayton earned his B.A. at Tulane University and his law degree at the University of Mississippi.

He has more than 40 years of experience in business, commercial, insurance, estate Clayton and general litigation. Clayton also has experience in patent and copyright litigation. In 2009, he completed the Harvard Negotiation Institute’s mediation course and now serves as a mediator/arbitrator in addition to his litigation practice.

Clayton’s achievements include being a member and former president of the Mississippi Chapter of the American Board of Trial Advocacy, a member of the Complaint Tribunal of the Mississippi Supreme Court, and a Special Justice on the Mississippi Supreme Court. He has been listed in Best Lawyers in America and Mid-South Super Lawyers, and he is “AV Preeminent” rated

by Martindale-Hubbel.

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BUSINESS JOURNAL

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CALENDAR

APRIL

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How to develop a business plan, Oxford, 6 p.m. to 8 p.m. Topic: Business basics.This seminar is designed to assist in preparing a business plan.

The parts of the business plan are explained, i. e., industry research, description of company products and services, identifying target customer groups and a marketing plan. Financial components discussed are start-up costs and preparation of a projected cash flow statement. To register, call 1-800-725-7232. Location: UMSBDC, 122 Jeannette Phillips Dr. How to develop a business plan, Tupelo, 1 p.m to 2:30 p.m. Topic: Business basics.

To register, call 1-800-725-7232. Location: Renasant Center for IDEAs How to develop a business plan, Starkville, 1 p.m to 3 p.m. Topic: Business basics. To register, call 1-800-725-7232.

Location: MSU Business Incubator, Thad Cochran Research, Technology & Economic Development Park.

Cash flow projections for your business plan, Oxford 6 p.m. to 8 p.m. Topic: Cash flow management. This seminar demonstrates the process of establishing and analyzing cash flow projection numbers for your business plan. To register, call 1-800-725-7232. Location: UMSBDC, 122 Jeannette Phillips Dr. Cash flow projections for your business plan, Tupelo, 1 p.m. to 2:30 p.m. Topic: Cash flow management. To register, call 1-800725-7232. Location: Renasant Center for IDEAs Cash flow projections for your business plan, Starkville, 1 p.m. to 3 p.m. Topic: Cash flow management. To register, call 1-800725-7232. Location: MSU Business Incubator, Thad Cochran Research, Technology & Economic Development Park.

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Entrepreneurs: Who will speak for the wolf? know what I’m doing.”

And since so much of the entrepreneur’s success comes from new products or concepts, this is a big issue for entrepreneurs. I believe when most entrepreneurs ask for feedback, what they are really asking for is an endorsement. The feedback request is really code for an invitation to praise the concept. What they/we really DAVID HENSON want is for you tell us how wonderful Entrepreneurs have been described and creative we are. many ways, some flattering, some not When we get the honest feedback so. Two words almost always includ- we ask for, we can become defensive. ed in those descriptions are “creThe problem is we are missing an opative” and “driven.” It is the creative portunity to improve our mousetrap. side of the entrepreneur that I wanted When we become defensive, we are to touch on, giving me a chance to no longer listening. In one of favorite talk about one of my favorite books books “Business Thing” the author and one of my favorite stories. says “you can’t be creative and deA natural by-product of designing fensive at the same time.” Over the and building a new mousetrap is crit- years I have developed some capacity icism, some of that is solicited some to arrest my defensiveness and really unsolicited. Either way, criticism is listen. It is not easy to do but it can be a fundamental part of any product done. Believe it or not, every now and development process. Entrepreneurs then I get ideas that will improve my face it almost every day. People tend concept. to reject what they don’t understand.

Which leads me to what may be Entrepreneurs can build up an my favorite story. It was told to me by intolerance for criticism. When that Linda Doyle, a professor at the Harhappens we tend to rationalize the vard Business School while attending criticism as “they just don’t undera continuing education class for small stand” or “they are always negative.” businesses. Linda has been to Tupelo, That may very well be the case, but it and at lunch she told me and a friend may not! “you all have a mellifluous voice.”

Even worse is that entrepreneurs Anyway, a topic came up in her tend to wrap up their personal idenclass, leading her to tell this story. tity in their products or company.

There is a Native American tribe, and So when entrepreneurs ask “what in this tribe the elders would come do you think?” and the reply is “that together to discuss any number of widget is the wrong size,” what the topics. At the end of the discussion, entrepreneur hears is “so you think the leader would call for a vote. What I am stupid” or “you don’t think I was interesting about the process

is that the tribe would not accept a unanimous vote on any issue. There had to be at least one dissenting vote.

The logic behind this policy was that if no one voted against the issue and stated their reason why, the tribe knew they did not have all the facts.

If there was no dissenting vote the issue was automatically tabled until someone voted against the issue.

Before the issue was tabled the tribe leader would ask the question “who will speak for the wolf.” They knew the wolf (the other side of the issue) was out there and if there was nobody to speak to that positon then they did not have all the information they needed to make an informed decision.

That story has stayed with me.

I actually think the story’s lesson apply to issues far bigger than just entrepreneurs. I think it applies to many concepts in play today. It’s not that we all need to get along and sing “Kumbaya.” I think we need to argue and debate till the cows come home.

We just need to do it respectfully.

So the next time you’re in a debate with someone and you feel yourself getting defensive and you start saying to yourself, “this guy is nuts,” take a deep breath and ask yourself, “I wonder why does he/she think that way.”

You may actually learn something.

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

APRIL 2018

APRIL 2018

Farm-to-YOUth! continues combating food insecurity

BY SARAH SAPP

UNIVERSITY OF MISSISSIPPI

OXFORD – Results are in for last year’s Farm-to-YOUth! project at the University of Mississippi, a program that brought fresh produce into rural elementary schools and introduced healthier options to more than 1,100 children and their families.

Global agriculture company Monsanto provided $200,000 in 2016 to establish the Food and Nutrition Security Support Fund at UM that was used to implement the produce distribution program as faculty and graduate students conducted nutrition research.

In 2017, the company donated an additional $250,000 to the UM Foundation for phase two of the program, which is underway.

Led by David H. Holben, professor of nutrition and hospitality management and Gillespie Distinguished Scholar, Farm-to-YOUth! partnered with the Piggly Wiggly in Bruce to procure and prepare fresh fruits and vegetables for the children to taste, both in their natural form and prepared in recipes. The program

also sent home produce and accompanying recipes each Friday to more than 260 youth and their families to incorporate into their diets.

“I’m thrilled to report the success of last year’s program in that the data showed a positive impact on some of the eating patterns in households for participants in the take-home produce program,” Holben said.

Second-year graduate student Michelle Weber of Cincinnati, Ohio, was on the front lines of produce preparation and distribution during last year’s project. She has continued the work this academic year at Bruce, Calhoun City and Vardaman elementary schools.

“This year, we are going to the same schools, but we are giving them produce vouchers to take to the grocery stores,” Weber said. “For every $10 families spend on fresh produce, they get 11 more dollars from the voucher to spend on produce.

“The overall goal is to increase fruit and vegetable consumption in children and their families and ultimately try in any way we can to reduce food

insecurity.”

Weber said that connecting with students has been very rewarding.

“Last year, I was in Bruce Elementary three times a week, and getting to see the children try new fruits and vegetables that they’ve never had an opportunity to try before was an experience I’ll never forget,” she said. “This year, I’ve been able to reconnect with all of those children. It’s taught me a lot about food insecurity in areas that I never knew about before.”

First-year graduate student Tiffany Shirley, of Corinth joined the Farm-to-YOUth! team this fall.

“I knew that food insecurity was an issue for families in Mississippi, but before this project, I didn’t realize just how prevalent it was,” Shirley said. “Just because communities in this area and where I grew up don’t talk about it, it doesn’t mean it isn’t a problem. This research project has really opened my eyes to that.

“We’ve given the families the chance to get fresh fruits and vegetables that they might not have had before, and that I had growing up, but some of

ties,” Wright said. “Like ‘What do I do with this butternut MORE INFORMATION squash?’

People were sharing their recipes and telling what The Food and Nutrition Security their kids came home with.

Support Fund is open to gifts from in“The parents would come dividuals and organizations who want in weeks later saying that they to support food security research and never knew they liked Brusoutreach. sels sprouts, and they’d found Checks supporting the fund may new ways to prepare Brussels be mailed with the fund noted in the sprouts. They were sharing it memo line to the UM Foundation, 406 all on social media to see what University Ave., Oxford, MS 38655. other people were doing.”

Gifts also can be made online by While surveys are still being visiting http://www.umfoundation. collected from this year’s com/makeagift or by contacting project, the data from last Katie Morrison at (662) 915-2135 or year’s study indicate Farm-tokatie@olemiss.edu.

YOUth! had real influence in For more information about the the lives of its participants.

Farm-to-YOUth! program, email Teresa Carithers, interim nhm@olemiss.edu. dean of the School of Applied Sciences, praised Monsanto for its contribution to food these kids haven’t been able to insecurity research. experience as much. All they “Thirteen percent, on averhave to do is use the vouchers, age, of households nationally pick out what they want and and 18.7 percent of housemake their own creations at holds in Mississippi are facing home with that food.” low or very low food security,” Piggly Wiggly owner Becky Carithers said. “This tremenWright noticed a rising interdous gift from Monsanto est from community memallows us to examine best bers in recipes featuring the practices in community-based produce items sent home with outreach while providing the children. healthy food to families in “There was a lot of chatter our more rural, neighboring on Facebook in our communi- towns.” |

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Ortho xPress Bone & Joint Center celebrated its grand opening at 3952 N Gloster St., Ste. C with a ribbon cutting. Ortho xPress offers fast access to nonsurgical orthopedics with point of care diagnostic tools including x-rays and musculoskeletal ultrasound. Visit speedheals.com or call (662) 350-0737 for more information.

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Richard Schwartz & Associates, P.A. celebrated the grand opening of its Tupelo office at 337 E Main St., Ste. B with a ribbon cutting. With over 30 years of legal experience, Richard Schwartz & Associates is equipped to handle an array of personal injury cases—from car accidents to workers’ compensation to drug recalls. Visit 1call.ms or call (662) 320-9990 for more information.

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