THE NORTHEAST MISSISSIPPI
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SERVPRO CELEBRATES 15 YEARS, pg. 9 NOVEMBER 2016
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FEATURE: How do Mississippians save money for college? The Treasury of the State of Mississippi offers two plans to residents.
page 6 COLUMN: Chris Cole breaks down the difference between a will and a trust and how both have different benefits.
page 8
FEATURE: How has life insurance changed over the years? Area experts explain how consumers should be planning for the future.
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rowing up as a millennial, a generation that represents one quarter of the nation’s population, Cameron Horne, hair stylist and owner of Strut Salon, learned about saving money through watching his parents’ hard work. He started cutting hair at the age of 17, and he lived at home with no finances. “My dad tried to get me to put back
25 percent of everything I’ve made so I’ll be able to retired by the time I’m 40,” he said. “My mom has always told me to live within means.” Recent statistics from Bankrate show that millennials are now saving a bigger portion of their paychecks and putting it back into their savings accounts. The generation, born between 1980 and 2000, grew up in a time of a rapid
changing economy with an emphasis on getting a continuing education. Millennials are now the largest living generation, at about 90 million, which outpaces the Baby Boomers. Now, they are trying to save money like previous generations despite disadvantages like looming student debt and fewer opportunities. TURN TO MONEY, 4
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Managing finances, saving money starts now
y father, as most fathers are, was a wise man who would offer advice at anytime. Sometimes without prompting, he would say something he learned from experience. Like a Chinese Benjamin Franklin, he would often say, “A penny saved is a penny earned.” However, old Ben never actually said that. What he said was, “A penny saved is two pence clear.” But close enough. Dad also said time after time, “It’s a lot easier to spend a dollar than to save a dollar” and “Spend less than what you earn.” Being an astute businessman, he knew a thing or two about money. He earned every dime and he spent wisely. He had to learn things on the fly, but he did just fine. Like many of your parents, he grumbled about his kids not knowing the value of the dol-
lar or thinking money grew on trees. Americans are still mostly ill informed about DENNIS SEID personal finance and are ill-prepared when we’re out on our own. In the Federal Reserve’s 2014 household survey, about 47 percent of respondents said they wouldn’t be able to cover an emergency $400 expense without selling something or borrowing money. A more recent survey from the St. Louis Fed showed the personal savings rate in the U.S. was a mere 5.7 percent, roughly half of what it was 50 years ago. Ideally, we’d be saving 10 percent to 15 percent of our annual income.
GoBankingRates surveyed more than 5,000 Americans, finding 62 percent of them had less than $1,000 in savings. In August, it asked more than 7,000 people how much was in their savings account; 69 percent had less than $1,000 in them. Other findings: • 34 percent of Americans don’t have anything in their savings account • 35 percent have less than $1,000 • 11 percent have between $1,000-$4,000 • 4 percent have between $5,000 and $9,000 • 15 percent have $10,000 or more Saving money, whether it’s for retirement, paying for college or taking a bucket-list vacation, should begin early. Financial advisers, like Scott
Collins of Edward Jones in Tupelo, said investing is different for everybody. “When you determine why you want to save money, you then need to develop a strategy,” he said. It’s important to focus on quality stocks, not following the latest fad or hot tip. Keeping a diverse portfolio also is critical to help ride out some of the ups and downs that inevitably hit. The younger you are, the more risks you can take as far as investing is concerned. The older you get, the more risk-adverse you become, so CDs and other fixed-income instruments become more appealing. “But when you retire, you still have 25 or 30 years left, and you’re not keeping up with inflation,” Collins said. “So you still need to have investments in stocks with
growth potential.” Collins also said employees should always take advantage of 401(k) investment plans, especially if their employers have a match. “You don’t want to pass up free money,” he said. Using traditional and Roth IRAs (individual retirement accounts) also offer retirement options. Contributions are not tax-deductible in a Roth plan, but withdrawals are tax and penalty free under certain conditions. Contributions to a traditional IRA are tax deductible within income limits. Whatever tools you use to save money, start as early as you can and let the power of compounding work for you. Contact DENNIS SEID at (662) 678-1578 or dennis.seid@journalinc.com.
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Life insurance an overlooked financial tool BY DENNIS SEID
BUSINESS JOURNAL
With an eye on company stocks, bond yields, commodity prices and interest rates, investors have plenty to keep track of when building their financial portfolios. But one of the most overlooked assets is life insurance. Financial advisers talk all the time about the need for diversification, but life insurance is too often overlooked by investors who don’t think about it. “People buy insurance for their cars and insurance for their house, but
for whatever reason, they don’t think about life insurance quite the same way,” said Toby Hedges, an agent with Shelter Insurance in Tupelo. “Maybe because there’s that connection with death that scares them away.” Life insurance is essentially a contact with an insurance company. A policy holder pays premiums to the insurer, who then pays a lump-sum payment, known as a death benefit, when the insured person dies. The premium payment is based on actuarially based statistics. Factors such as the insured per-
son’s age, personal and family medical history and lifestyle are the main risk determinants. As long as the premiums are paid, the insurer is obligated to pay the death benefit. There are three major life insurance products – term, whole and universal The type of insurance a person needs depends on his or her needs and goals. • Term life insurance provides protection for a set period of time – 10, 15 or 20 years, for example. The premium stays the same throughout the coverage period and is gener-
ally less expensive than “permanent” insurance like universal and whole. After the end of that coverage, premiums usually rise substantially. Proceeds from a term insurance policy – which come in a lump sum – can be used to replace lost potential income and provide a safety net for beneficiaries, such as paying for a mortgage and college. • Whole life policies provide lifetime coverage, which also means premiums are higher. The premiums are typically fixed but unlike term insurance, whole life has a cash value.
Premium payments contribute to equity growth in a savings account, and dividends – or interest – can build tax-deferred in the account. The insured with a whole life insurance policy can borrow against or withdraw from the accumulated cash value. • Universal life insurance is designed to provide lifetime coverage. These policies, unlike whole life, are flexible, allowing the insured to raise or lower their premiums or coverage amounts. Universal policies also have higher premium payments than term policies.
They are most often used as part of an estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another use is longterm income replacement. Some universal life insurance products focus on providing both death benefit coverage and building cash value, while others focus on only providing a guaranteed death benefit coverage. Also, unlike whole life, universal life insurance allows the policy holder to use the interest to help pay premiums. TURN TO LIFE, 7
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MONEY: Area millennials save for retirement, invest in buying homes Jay Jacobs, director of research at Global X, a $3.8 billion exchange-traded fund issuer based in New York, said millennials’ income is at about $2 trillion and is expected to quadruple to $8 trillion over the next decade. “There’s a massive transfer of wealth that’s happening between the Baby Boomers and the millennials,” he said. “That could be another $40 trillion in assets going to that generation. So, increasingly what we’re seeing is that millennials are becoming the driving consumer
force behind the U.S. economy.” For Horne, technology has helped him get on track of his finances, using apps like AARP Tracker and Credit Sesame to help build his credit score. “To be able to start off anywhere other than the bottom of the totem pole, I think it’s very hard seeing as there are not a lot of job availability and a lot of openings for people to move up in the world,” Horne said. “We’re working during a harder time and triple the amount of people working for the same
exact thing.” Horne said he values life experiences rather than material things, a common view amongst millennials, according to a study by Harris Group, which found that 72 percent of millennials prefer to spend more money on experiences. For now, Horne is hoping to have $1 million saved by the time he’s 40 to travel the world. “I would much rather have no money in my account and be able to say that I’ve experienced beautiful things in life,” he said. “I would defi-
nitely say take out at least 10 to 20 percent of my income if I had not been used to saving. I would immediately put that in my savings account and not look at it until I’m 40.”
ADULT LESSONS Keri Eldridge, 23, and Kala Dill, 28, recently bought a home in Pontotoc. It was their first “adult” lesson in saving and personal finances. Eldridge’s parents taught her to work for what she wanted in life. “My parents didn’t really teach me much about how to save
money, but I saw how they worked for what they wanted,” she said. “As far as saving, I’d see how my mom would prioritize what to pay first and watch her manage her bank books.” As far as being the disadvantages of being a millennial that saves, Dill said the price hikes of corporations have affected how much millennials can actually save. “At my age, I can still remember when gas was 95 cents,” she said. “Sometimes, we want things that we don’t need, but prices are
driven up on everything when they don’t really cost that much to make.” But, Eldridge added, millennials have learned to see what they are able to live without. “If you actually save money, you have a time frame to see if the purchase is necessary,” she said. “When I knew we were buying a house, instead of spending all this money on new furniture, we put the money in my savings to be prepared for future bills.” zack.orsborn@journalinc.com Twitter: @thedaily_zack
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Mississippi offers two options for college savings BY EMMA CRAWFORD BUSINESS JOURNAL
TUPELO – No matter the method Mississippians choose when it comes to saving money for college, one piece of advice rings true: Start early. While some may decide to develop their own personal savings plans, the Treasury of the State of Mississippi offers two plans to residents – the Mississippi Prepaid Affordable College Tuition Plan (MPACT) and the Mississippi Affordable College Savings Program (MACS). Both MPACT and MACS are 529 Plans, which are tax-advantaged plans designed to encourage savings for future college costs. Legally known as qualified tuition plans, 529 plans are sponsored by states, state agencies or educational institutions and authorized by Section 529 of the Internal Revenue. This year marks the 20th anniversary of the 529 Plan. Both Mississippi
plans help guide the college savings process through structured, incremental contributions over time. The difference between the plans mainly comes down to the size of contribution families are able to make at a time. MPACT allows people to contribute large amounts of money at a time to their college savings, pre-paying tuition in increments and at the current rates. With MACS, smaller contributions are made to a college savings account each month. Michelle Williams, chief of staff for Mississippi State Treasurer Lynn Fitch, said the latter makes sense for most people because the smaller contributions are more manageable. “MACS is what most people think of when they think of college savings plans,” Williams said. “You put away some each month or periodically. It makes it very easy for anybody to save for
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college.” However, with tuition costs rising steadily from year to year, Williams said MPACT gives users the unique advantage of freezing tuition at its current rate. Tuition costs at public universities and colleges across the state rose last year, with tuition at Mississippi State University and the University of Mississippi rising around 4 percent. Tuition at both MSU and UM is slated to increase by roughly another 4 percent in the next year. “Not only are you saving, you’re kind of guarding against tuition increases,” Williams said, noting that families must save much larger amounts of money to make MPACT work for them. As of June there were 11,918 active MACS accounts in the state and 32,285 active MPACT accounts. Both plans offer federal and state tax advantages. Grandparents and other family members
can also contribute to MACS and MPACT accounts. As of late, Williams said, enrollment in the MACS plan is on the rise. Payroll deductions for the plan were recently introduced, meaning those using MACS can have their monthly contribution taken out of their paycheck automatically. Williams said regardless of how families decide to approach saving for college, having a plan and sticking to it can make a significant dent in the cost when the time comes. She recommends parents begin saving when their children are born. “Given the way that college tuition rates keep increasing, it’s never too early to start tucking away a little bit of money,” Williams said. “It may not pay your full tuition for your children one day but it can make a big difference.” emma.crawford@journalinc.com Twitter: @emcrawfordkent
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Finding, sharing your vision for sucess V
ision is necessary for any endeavor. Planning requires vision. “Where do you see yourself in X years?” That takes vision. We participated in October as thousands of eighth-graders came through the BancorpSouth Arena and Conference Center for “Imagine the Possibilities.” I’m sure at least one student was asked “What do you want to be when you grow up?” They had the opportunity to meet with professionals from many pathways to give an idea for the students to start building visions of their lives for themselves. A vision that is shared is one that sees growth.
H o w does a vision bec o m e reality? This issue of the TY ROBINSON Northeast Mississippi Business Journal focuses on personal finance and planning. That requires vision. What do you want accomplished? Companies need a vision so that they can plan for their finances, their sales strategy, their marketing … the vision overarches all. Employees who understand the vision for the company can make better decisions about what fits well for the company and what does not.
This makes for a better working environment for all. Think of it this way. You have to take a trip. You are driving. The journey is 300 miles. Which is less stressful: a journey during the day with clear skies and a clear view or a journey at night when the rain is coming down so hard that the windshield wipers cannot compensate for the volume of water being poured upon you? When the vision is clear, the obstacles are easily seen and avoided. Whether they are written down or not, all companies have a vision, a mission and values. The vision is long-term. The tactics the company takes
may or may not be. For example, look at Netflix. Assume its vision is to provide quality entertainment to its customers conveniently. I can remember when Netflix was mailing DVDs to households for a monthly fee. It was convenient since it came directly to an individual’s mailbox. There was no line to wait at a video store. As times and technology changed, it now streams popular movies to its customers, who gets the movies faster since they do not doesn’t have to wait on a parcel delivery. And it is creating exclusive content for its customers. It is still providing quality entertainment, yet it has changed its delivery system as well
as the content it delivers. Amazingly, it has accomplished all of this without a storefront. Its mission may have changed, but its vision has remained constant. In 1886, door-to-door salesman David McConnell came up with the idea to sell perfume to housewives and started The California Perfume Co. He started hiring women exclusively as the salesforce. In 1932, the company was rebranded as Avon. His sales vision remained, but the way the company sold its products changed. Do visions change? I like to think they are adapted or amended. Do tactics change? Sometimes more often than we would
like. Write your vision down. Put it in a spot where you can see it every day. Only you will know whether it needs to be changed. Talk about your vision. Get input on your vision. Share your vision. “If you don’t know where you are going, any road will get you there,” sang George Harrison in “Any Road.” Conversely, Walt Disney said, “If you can dream it, you can do it.” What do you think Walt would think of his vision if he could see his company now?
TY ROBINSON is president and COO of Robinson and Associates, a marketing agency in Tupelo.
LIFE: Some experts suggest buying life insurance during 20s Hedges said many people think they are covered adequately at work by insurance, when in fact they are not. “It’s a good asset to have at work, but typically it can change, and you can’t take it with you if you leave,” he said. So having a separate life insurance policy is ideal, Hedges said. “The premise of life insurance is replacing the income that’s lost if you die. If you’re making so much a year and you want that for so many years for your family or whomever, there’s so many different ways of approaching that.” Hedges said many people don’t think about life insurance until they’re older, which is a mistake, he said. “When people typi-
cally need to be buying insurance is when they’re younger and don’t want to buy it,” he said. Since premiums are determined by age and health, it’s more advantageous to “lock in” a ra t e when y o u’re younger. “What tends to happen is we think about it when we’re older, in our 40s and 50s and the premiums are a lot more,” Hedges said. According to moneyunder30.com, for most people, the ideal time to buy life insurance is when they’re in their 20s. “Though that may seem young, chronic conditions like high blood pressure and cholesterol often begin to show up after age 30,”
the website says. Also, “the fact that you are young and healthy will not only keep the premiums low, but it will also enable to you buy a lot more coverage than you may be able to a few years down the road when you actually have a few dependents.” Life insurance is an important piece of personal finance that is too often overlooked, experts say. And for insurance agents like Hedges, it’s his job to make sure people look to the future. “It’s the old saying about death and taxes,” he said. “They’re inevitable. You can’t escape it, so you might as well prepare for it.” dennis.seid@journalinc.com Twitter: @dennisseid
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Will vs. trust: Is one better than the other?
hen it comes to planning your estate, you might be wondering whether you should use a will or a trust (or both). Understanding the similarities and the differences between these two important documents may help you decide which strategy is better for you.
WHAT IS A WILL?
A will is a legal document that lets you direct how your property will be dispersed (among other things) when you die. It becomes effective only after your death. It also allows you to name an estate executor as the legal representative who will carry out your wishes. In many states, you will is the only legal way you can name a guardian for
your minor children. Without a will, your property will be distributed according to the intestacy laws of your state. Keep in mind that wills and trusts are legal documents generally governed by state law, which may differ from one state to the next.
WHAT IS A TRUST?
A trust document establishes a legal relationship in which you, the grantor or trustor, set up the trust, which holds property managed by a trustee for the benefit of another, the beneficiary. A revocable living trust is the type of trust most often used as part of a basic estate plan. “Revocable” means that you can make changes to the trust or even end (revoke) it at any time. For example, you may want to
able you to direct the distribution of your assets and property to your beneficiaries at your death, there are several differences between the two. Here are a few important ones: • A will generally requires probate, which is a public process that may be time-consuming and expensive. A trust may avoid the probate process. • In order to exclude assets from your probate, you must transfer from them to your revocable trust while you’re liven, which may be a costly, complicated and tedious process. • Unlike a will, trust may HOW DO THEY be used to manage your fiCOMPARE? nancial affairs if you beWhile both a will and a come incapacitated. revocable living trust en• If you own real estate remove certain property from the trust or change the beneCHRIS COLE ficiaries. Or you may decide not to use the trust anymore because it no longer meets your needs. A living trust is created while you’re living and takes effect immediately. You may transfer title or “ownership” of assets, such as a house, boat, automobile, jewelry or investments to the trust. You can add assets to the trust and remove assets thereafter.
or hold property in more than one state, your will would have to be filed for probate in each state where you own property or sets. Generally, this is not necessary with a revocable living trust. • A trust can be used to manage and administer assets you leave to minor children or dependents after you death. • In a will, you can name a guardian for minor children or dependents, which you cannot do with a trust.
WHICH IS APPROPRIATE FOR YOU?
distribution of any property that doesn’t end up in your trust. There are costs and expenses associated with the creation and ongoing maintenance of these legal documents. Whether you incorporate a trust as part of your estate plan depends on a number of factors. Does your state offer an informal probate, which may be an expedited, less expensive process available for smaller estates? Generally, if you want your estate to ass privately, with little delay or oversight from a probate court, including a revocable living trust as art of your estate plan may be the answer.
The decision isn’t necessarily an either/or situation. Even if you decide to use a living trust, you also should create a will to name an executor, name CHRIS COLE is a Chartered guardians for minor chil- Wealth Advisor and vice presidren and provide for the dent of Hilliard Lyons in Tupelo.
NOVEMBER EVENTS 8: Starting a Business – First Steps, 1 p.m. to 2:30 p.m., UMSBDC Business Assistance Center – Tupelo, Renasant Center for IDEAs. Topic: start-up assistance. Are you interested in starting your own business, but don’t know where to begin? This seminar outlines the basic steps to start a busi-
ness. Topics include: regulations such as licenses and permits; legal forms of business ownership; basic marketing concepts to help analyze the revenue potential; lending terminology; outline for a business plan and other resources to assist in starting a business. To register, call 1-800-725-7232. 9: Starting a Business – First
Steps, 1 p.m. to 2:30 p.m., UMSBDC, Lafayette County. To register, call 1-800-725-7232. 10: Starting a Business - First Steps, 1 p.m. to 3 p.m., MSU MSBDC – MSU Business Incubator Building, Thad Cochran Research, Technology & Economic Development Park. To register, call 1-800-725-7232.
11: Wake Up! Tupelo/Lee County, 7 a.m. to 8:30 a.m., Elvis Presley Birthplace & Museum 14: Starting a Business - First Steps, 2 p.m. to 3:30 p.m., UMSBDC, Marshall County Library, Marshall County (Holly Springs). To register call 1-800725-7232 . 15: How to Develop a Business
Plan, 1 p.m. to 2:30 p.m., UMSBDC Business Assistance Center – Tupelo, Renasant Center for IDEAs. Topic: business basics. This seminar is designed to assist in preparing a business plan. Financial components discussed are startup costs and preparation of a projected cash flow statement. To register, call 1-800-725-7232.
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Servpro celebrates 15 years in business BY DENNIS SEID
BUSINESS JOURNAL
TUPELO – Fifteen years ago, Brian Rigby was running a small business in every sense. He was the lone fulltime employee in his franchise for Servpro, which specializes in fire and water cleanup and restoration, and he had one van. Today, in addition to Tupelo, he also has a franchise to cover Amory, Aberdeen and West Point, and another franchise to cover DeSoto, Tate and Tunica Counties. And he now has 35 employees and 27 lime-green vehicles between all the offices. “The most rewarding thing for me is to see our team succeed, to get complimented for the work they do,” Rigby said. “That’s important for me.” Rigby didn’t start in the business right away after finishing at Ole Miss and receiving a business administration degree. He was the head baseball coach at Carroll Academy in Vaiden for a year, then decided to look for something else to do. His uncle owned a Serv-
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Brian Rigby has grown his Servpro business to multiple franchises. He is now celebrating 15 years in the industry. pro in Kosciuscko and had recently bought the franchise for Starkville and Columbus, and invited him to join the business. Rigby had worked with his uncle the summer before as a parttime sales representative. “I started asking about the Tupelo area, and it didn’t have a franchise in the area,” Rigby said. “I did the interview with Servpro corporate, and somehow they approved me for the financing part, so that fell in
place for me.” On Aug. 20, 2001, Rigby officially opened the Tupelo franchise. His old college roommate was on call to help. “Otherwise it was just me, one man in a van, and I’d go out and market,” Rigby said. “I’d put on a nice shirt to do that, and if a job came in, I’d change into an older shirt that it wouldn’t hurt if I got some stains on it.” At night and early in the
morning, Rigby would compile his estimates and do the billing. It didn’t take him too long to decide to find someone else to do the administrative part of the business. “After some time I had enough work to hire someone in the office,” he said. “I wouldn’t say I disliked the office work – I just liked working out in the field.” Rigby then added a fulltime production person, then added two more, then
another and kept adding. “I recruited good people that wanted to be in my business and who would represent me and the Servpro brand like the way I wanted it to be,” he said. Servpro’s work has taken Rigby and his team across the Southeast and beyond. They’ve been to New York, including the Hamptons and Long Island. As part of a nationwide disaster response team, Rigby and his employees can be called
out at any time to lend a hand. Most recently they were in the Baton Rouge area, helping with cleanup after last month’s flooding. Work they picked up in 2003 and 2004 in the aftermath of tropical storms provided “great building blocks to produce extra work outside of our territory here. That was a big turning point for us,” he said. “We got a lot experience for our employees. And it was at this time I learned to let loose a little bit and trust my people here while I was on the road a lot.” In addition to fire and water restoration and mold remediation, the company also does carpet and upholstery cleaning, oriental rug cleaning, HVAC duct cleaning, post-construction cleaning, cleanup from blood-born pathogen and other services. Rigby’s Servpro franchise has been on Servpro’s list of top 100 franchises for several years, including placement in the top 30. The company has nearly 1,700 franchises nationwide. dennis.seid@journalinc.com Twitter: @dennisseid
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NOVEMBER 2016
Addicus, LLC
In celebration of its grand opening, Addicus, LLC hosted a ribbon cutting. Addicus specializes in the financial lives of high-net worth individuals and multi-generational business owners by coordinating professionals, estate and tax planning, risk assessment and strategic advice. Addicus is located at 333 W. Franklin St. and can be contacted at (662) 550-2083 or weareaddicus.com.
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NOVEMBER 2016
American Cancer Society
The American Cancer Society (ACS) celebrated the grand opening of its new location with a ribbon cutting. For over 100 years, ACS has worked relentlessly to save lives and create a world with less cancer. Together with millions of supporters worldwide, ACS helps people stay well and get well, find cures and fight back against cancer. American Cancer Society is located at 607 W. Main St., Ste. C in Tupelo and can be contacted at (662) 844-8544 or cancer.org.
Comcast Xfinity
Xfinity retail store celebrated its grand opening with a ribbon cutting. Comcast’s new customer service location and retail center offers its Xfinity subscribers support for its digital cable, cable internet and cable phone services. Xfinity is located at 4368 Mall Drive in Tupelo and can be reached at (662) 231-4223.
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AT&T Live Mobile
AT&T Live Mobile celebrated its grand opening with a ribbon cutting. An authorized AT&T retailer, let an AT&T Live Mobile wireless expert match you with the perfect phone and service plan today. AT&T Live Mobile is located at 1691 N. Coley Road in Tupelo and can be contacted at (662) 842-8686.
Deborah's
Deborah’s celebrated its grand opening with a ribbon cutting. Offering monogramming and other personalization services, Deborah’s inventory includes back packs, lunch boxes, totes, children’s clothes, baby items, doll clothes and more. Deborah’s is located at 1102 Commonwealth Blvd. and can be reached at (662) 661-0855 or on Facebook.
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NOVEMBER 2016
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ServPro
Westside Family Medical Clinic of Tupelo
ServPro of Tupelo celebrated 15 years in business with a ribbon cutting. ServPro of Tupelo specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage in addition to the mitigation mold and mildew. ServPro of Tupelo is located at 2984 Cliff Gookin Blvd. and can be reached at (662) 690-6502.
Westside Family Medical Clinic of Tupelo celebrated its grand opening at 65 S. Thomas St. in Tupelo. Westside Family Medical Clinic is a full-service family healthcare practice. Debra W. Hill, FNP and team offer quality healthcare, in house labs, X-Rays and free blood pressure and diabetes screenings. Westside Family Medical accepts most insurances and walk-ins are welcome. For more information or to schedule an appointment, call (662) 205-4475 or visit westsidefamilymedical.com.
WoodworKings
Zip Scripts
WoodworKings celebrated its grand opening at 1997 McCullough Blvd. with a ribbon cutting. WoodworKings manufactures handcrafted, solid wood furniture and accessories in addition to custom-designed pieces produced from high-quality wood. WoodworKings can be contacted at (662) 255-3421 or online at woodworkingsfurniture.com.
Zip Scripts celebrated the grand opening of its new location at 2801 W. Main St., Ste. A in Tupelo with a ribbon cutting. Zip Scripts pharmacy is dedicated to speed, health and wellness offering prescription medications, delivery services, nutritional supplements, convenience items and professional advice from experienced pharmacists. For more information about Zip Scripts, call (662) 6206400 or visit zip-scripts.com.
CENTURY 21 AGENTS ARE;
Smarter. Bolder. Faster. We promise to help you make the impossible, possible. There is a difference when choosing
Century 21.
Top (left to right) Karen Long, Karen DeLambert, & Sue Gardner. Bottom (left to right) Gwendolyn Hudson, Gail Collins, Melissa Greer, Angela Orrick, & Kim Graham.
SueGardnerRealty.com 1720 McCULLOUGH BLVD. TUPELO
662.842.7878
BUSINESS JOURNAL
NOVEMBER 2016
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Business Directory A PAR TMENTS
Apartment Homes 1, 2, & 3 Bedrooms
MILITARY, LAW ENFORCEMENT, & FIREFIGHTER DISCOUNT Ask about our Military & Law Enforcement Discount
A PAR TMENTS
Affordable Luxury Apartment Homes 1, 2 & 3 Bedroom
111 Grand Ole Oaks Drive Belden, MS 38826 Jane Billingsley Manager
Call 662-891-5000
office: 662.823.1470 • fax: 662.823.1474 • cell:662.231.7508
3260 Hwy 145 N. • Tupelo, MS 38804
www.GrandOleOaks.com
AUTOMOTIVE COMMERCIAL VEHICLES
BANK
662-841-8743 rbarnett@trustmark.com
DWAYNE BLACKMON CHEVROLET
ONLINE
INTERACTIVE
CHELSEA SPAIN
Multimedia/Inside Sales Consultant chelsea.spain@journalinc.com PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804
Phone 662.678.1533 or 1.800.270.2614 ext.530 Fax 662.620.8301
Bank Of Okolona Okolona
Houston Banking Center
P.O. Box 306 • Okolona, Mississippi 38860
321 W. Madison St. • Houston, Mississippi
Bank of Mantee
Calhoun Banking Center
54 1st Street • Mantee, Mississippi
200 S. Pontotoc Rd. • Bruce, Mississippi
(662) 447-5403
(662) 456-5341
for your commercial vehicle needs!
1410 SOUTH GLOSTER / TUPELO / 842-3611 1
BANK
BANK
Call Robin Barnett today!
Whether you’re hauling or delivering...Call
JOURNAL PUBLISHING COMPANY
(662) 456-3347
(662) 983-3700
www.bankofokolona.com
BLINDS
B ATH R EMODELING Bath Remodeling Shower Remodeling Tub-To-Shower Conversion Bathroom Accessories Handicap Accessible
“The Sign of Service” Baldwyn • Booneville • Marietta Mantachie • Mooreville • Tupelo
Your Financial Cornerstone.
www.bathfitter.com Give Us One Day… We’ll Give You A Beautiful New Bathroom!
FREE IN HOME ESTIMATE Licensed And Insured
662-205-8548
www.fmbms.com
2015 McCull lough Blvd d . • Tupell o, MS 38801
BUILDING SUPPLIES
BUILDING SUPPLIES
Rex & Diannah Coggins, Owners
Ph: (662) 365-7021
(662) 365-8902 N H A R Fax: Y D W L D SUPPL&Y, INC. W A R E A B
• Full Service • Hardware • Building Supplies • Plumbing • Hydraulic Hoses
• Electrical • Glass • Valspar Paints • Welding Supplies • Portable Carports
1187 North 4th St. • Baldwyn, MS 38824
CHILD CARE
Lumbe ville r Boone Company Full Line of Lumber, Hardware, Plumbing and Electrical Supplies 2300 E. Chambers Dr. • Booneville • 728-0094
Booneville Hardware & Supply 403 Church St. • Booneville • 728-0032 "For all your hardware needs"
Robbie Parker - Owner & Director 6 Weeks - 12 Years After School Program Available 2541 McCullough Blvd. • Tupelo, MS 38801
620-9062
BUSINESS JOURNAL
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NOVEMBER 2016
Business Directory C O L L I S I O N R E PA I R
COMMERCIAL CLEANING SERVICES
C OMMERCIAL P LUMBING
RH PLUMBING, INC. 24 Hour Wrecker Servicc e
u Junior Burns - Cell 662-728-0524 u David Denson - Cell 662-416-5591 100 W. Veterans Drive • Booneville, MS 38829
Phone 662-728-4459 • Fax (662) 728-4150
589 N. Coley Rd. Tupelo, MS
401 Elizabeth St. • Tupelo 662-842-7305
JOURNAL PUBLISHING COMPANY ONLINE
Everything Mostly New Sat. 7-11
104 St. Andrews Rd • Okolona, MS • (662)447-3711
FOR AS LOW AS
8 4 4 - 0 2 70
24 Hour Emergency Service
662-844-4540
“Serving Tupelo for 3 Generations”
711 ROBERT E. LEE DR. • TUPELO, MS
“Experience Is The Difference”
FAX:662-620-7754
INSURANCE
per month
00 $
Store Fronts • Mirrors Shower Doors • Garage Doors Commercial Doors Hollow Metal Doors
INSURANCE AND FINANCIAL SERVICES
* All financing requires an approved credit application $65/month is based on a complete 3 ton system, duct work not included. Financing on select models only.
Please present coupon at the time of service. Expires 9/30/16
Serving Tupelo for 3 Generations
Hancock Insurance Agency
AIR CONDITIONING SYSTEM INSTALLED
Service call upon completion of repairs
Mon.-Fri. 9am - 5pm
GLASS & OVERHEAD DOORS
I N S U L AT I O N
H E AT I N G & C O O L N G
OFF
903 Varsity Dr. Tupelo, MS
G IFTS
Fishing
Phone 662.678.1530 or 1.800.270.2614 ext.530 Fax 662.620.8301
25
FURNITURE
Fine Furniture, Fabric, & Flooring
for
phillip.wilburn@journalinc.com
1255 Nelle Street Tupelo, MS
Thank you for choosing RH Plumbing. We appreciate your business
www.careers.asurion.com Great Employment Opportunities
formerly Okolona Drug Co.
Multimedia/Inside Sales Consultant
$
P.O. BOX 417 Okolona, MS 38860
INTERACTIVE
PHILLIP WILBURN
PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804
662-534-4448
RICHARD HANLON (662) 447-3213
EMPLOYMENT OPPORTUNITIES
C ONCRETE
224 Starlyn Ave. New Albany, MS 38652
Commercial Plumbing, Gas & Industrial Piping
250
00
OFF
Air Conditioning or Heat Pump Installation 16 Seer or Higher
Please present coupon at the time of estimate. Expires 9/30/16
Member of the QCN Network. Saving You Money And Making You More Comfortable For Over 38 Years Residential & Commercial Insulation, Installation Blown-In Attic Insulation - Blown-in Wall Insulation - Batting www.nsul8or@att.net www.nsul8or.com
662-844-1306
3166 West Jackson, Tupelo, MS
ATV • Life • Health Annuities • RV • Automobile Motorcycle • Home Mobile Home Medicare Supplements
Scott Hancock
Allen Hancock
Monthly Rates Available
662-534-2661 720 W. Bankhead St. New Albany
BUSINESS JOURNAL
NOVEMBER 2016
15
Business Directory KENNELS
L OCKSMITH
PRINTING
MILLER’S SAFE & LOCK SERVICE, INC.
arber Printing, Inc.
NEW & USED SAFES
• Safes Serviced & Installed • Locks Installed • Locksets • Combinations Changed • Locks Rekeyed • Lost Keys Replaced • Master Key Systems • High Security Keys AUTO RESIDENTIAL COMMERCIAL
(662) 842-7720
1219 ⁄2 NELLE STREET • TUPELO 1
R E A L E S TAT E
PRINTING • GRAPHIC DESIGN • SIGNS BANNERS • BLACK & WHITE/COLOR COPIES 811 A Varsity Dr. • Tupelo, MS • 662.841.1584 8am - 4:30pm • goodimpressions@barberprinting.com
R E S TA U R A N T
R E S TA U R A N T
Party Trays for all Occasions!
Thinking of Selling Your Home or Property? We Have Six Full-Time Agents Pontotoc Ridge Realty, Ltd. Who Call MOSSY OAK PROPERTIES OFFICE Pontotoc Home. ISEACH INDEPENDENTLY OWNED AND OPERATED
Call Us Today 662-489-2848 R E S TA U R A N T
1101 W. Main • Tupelo 842-3774
R E TA I L
Alternatives to Cigarettes • Pizza Spaghetti • Salad Bar • Sandwich • Pasta Special Every Thursday
Ecigs, Mechanical Mods, Vapor Smokes, Tanks/Cartomizers, Ejuice, Blu, V2, Century 21 Ecigs
365-7059
ROOFING
W
HE
EL
ER
RO
INC.
OF
ING
“A Family Business Since 1946”
• Residential • Commercial • Industrial FREE Estimates LICENSED & INSURED
709 S 4th St. • Baldwyn, MS
411 CLARK ST. ❖ TUPELO ❖ 844-4481
Mon.-Thurs. 11-10 • Fri.-Sat. 11-11 • Sun. 12-10
TECHNOLOGY
499 Gloster Creek Village, Tupelo, MS 38801 Phone: (662) 844-4888 Fax: (662) 844-3006
TREE SERVICES
T RUCKING
Achieve greater network performance with less. It's time to get more performance from your network with far less. As in less bandwidth utilization, fewer resources, and less cost.
CIRCADENCE R&D FACILITY CDF BUILDING • 398 EAST MAIN ST., 2ND FLOOR • TUPELO, MS 38804 662-821-2500 • www.circadence.com
Trimming • Removal • Stump Grinding Hazardous Tree Removal Experts Free Estimates / Insured 24-HOUR SERVICE
3637 PEPPERTOWN ROAD FULTON, MS 38834 (662) 862-6497
16
BUSINESS JOURNAL
NOVEMBER 2016