31 minute read
MONEY MATTERS-STIFEL
The definition of normal is ordinary, typical, expected, but 2020 has been anything but normal! education costs for your children? • Are you properly insured? • Are you using all the benefits available to you through your employer? • What will happen to your assets after you have passed away? Stifel does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation. A PERSONALIZED FINANCIAL PLAN IS COMlHoliday A NORMAL PLAN ll Some firms advertise a basic one- to two-page “free financial plan,” and only if you work in a specific industry. PREHENSIVE AND NOT JUST This time of year, “normal” would be planning for the holidays and spending time with family and friends. But, as we learned this past year, planning can’t always assume that everything will be normal. One holiday plan that should still be normal is a year-end review and assessment of your financial situation. As year-end approaches, you can look into implementing strategies that could potentially benefit you during tax season and in the coming year. The value of financial planning is a crucial step in managing your financial future. Not only does it help you see your financial situation today, it also helps you think about those things you would like to do in the next five years, ten years, and throughout retirement. We give you the tools to help get you on the • mation gathered to ensure it is as accurate as possible. The fewer assumptions that go into a financial plan, the better your overall experience will be. Propose strategies – Evaluate the results provided within your financial plan and see where you stand in relation to your goals. Where can you make adjustments within your plan? Do you have a balanced portfolio? Can you retire earlier or later? Spend At Stifel in Valdosta, we offer comprehensive financial plans for all of our clients, when appropriate, as a part of Stifel’s services. A ONE- TO TWO-PAGE DOCUMENT. The most important steps in the process of creating a financial plan are aligning your financial needs to your specific goals, assessing the results, and adjusting your plan as needed. Financial planning is not a one-time event, but rather an ongoing process. You should review and update your plan annually or as any life events and situations occur. Your financial plan should be a helpful guide that will help keep you on the path toward your goals. Life isn’t always normal, but financial planning provides you with the opportunity to potentially live a normal financial life. Through attaining and maintaining the Certified Financial Planner™ (CFP®) certification, I have successfully completed financial planning coursework l right track to planning for your future. more or less? Perhaps you have overfunded that covered the process, as well as risk your retirement and can afford to increase management, investments, tax planning, Your personalized plan will provide an your spending goals. retirement and employee benefits, and estate overview of your entire financial situation, • Take action – Make modifications as need- planning matters. including your asset allocation, investable ed and develop a customized action plan. assets, liabilities, future income streams, sav- • Review and revise – Review and update Contact me for a copy of our Year-End Reings, insurance needs, estate plan, and more. your financial plan annually or if any view Check List and to discuss your situation We take everything into consideration and life events occur that could change the to help get you on the right track toward a determine strategies and action plans and outcome of the plan. Set a date for annual normal financial future. provide you the guidance to help you make meetings to review and update your plan. responsible financial decisions. What We Cover in Your Financial Plan Financial Planning Process • Are your assets properly allocated in line • Identify goals and objectives – Create the with your risk tolerance? foundation of your financial roadmap. • Are you saving enough? • Gather information – Complete a question- • Are you contributing enough to your qualinaire/fact finder with everything to include fied accounts? in your financial plan. • Are your goals measurable and realistic? • Analyze information – Analyze the infor- • Do you plan to fund future wedding or
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HOME FOR THE holidaysl
PHOTO OF THE MANTLE AT VALDOSTA COUNTY CLUB BY SARAH KATHRYN PHOTOGRAPHY DECOR BY SUSAN MULLINS , The Flower Gallery
as we approach the season amid a flurry of activities and preparations for the “perfect” holiday. Our homes and lives will be filled with the joy and excitement of ll Holiday traditions are ever-present seeing family and friends, parties, and festivities long-honored and forever cherished. In this section, you will find ideas, tips, and suggestions for making your holiday even more beautiful, meaningful, and fun as you prepare your home for the holidays.
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(229) 219-7751 3338-H Country Club Road
Valdosta, Ga 31605
Specializing in Regional Interiors; Timeless Yet Current Design 229-356-2810
4755 SOUTH COFFEE ROAD – NASHVILLE, GA 31639 | @DANAPERRYINTERIORS
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SETTING A holiday TABLE By DANA PERRY, Dana Perry Interiors l CHRISTMAS CAN TOUCH EVERY AREA OF OUR HOMES, BUT ONE PLACE IT MUST BE EMBRACED IS THE PLACE WHERE WE GATHER WITH FRIENDS AND FAMILY….OUR TABLES!
Photography by
JAVON LONGIELIERE PHOTOGRAPHY
Our meals together are worth celebrating and with a beautifully decorated table. It’s where memories are made, conversations enjoyed, laughter shared, and meals savored that stay with us throughout the year! Whether you prefer fancy or simple, the concepts for designing your tables are the same and can be quickly achieved.
a time to celebrate Itsand pull out your favorites! I love the blending of generations at the table - my grandmother’s linens, my mother’s china, stemware given by a friend, and my personal additions - which combine to bring everyone together. After all, that is what your table is all about!l
Rarely are my tablescapes the same, simply because there are so many possibilities. I like to start with an inspiration which comes from an array of places….my personal china closet, perusing through a magazine, a walk outside to see what is fresh and blooming, vintage linens, an object or collection that is cherished….the list goes on and on.
Once that inspiration is established, the concept design begins. It’s a good idea to jot down notes of items you would like to incorporate.
Selecting your china and table linens should be next. I love mixing china, especially new and old patterns! I adore vintage linens and am always on the hunt to add to my collections. I also adore new table linens, placemats, and chargers.
Setting your table first fills in the outer parameter, which shows the space you have for your centerpiece. Always start with your larger items in the center and then fill in with the details. Your centerpiece can be as simple as your favorite dish filled with red apples or red berries surrounded by fresh greenery.
There is something satisfying in using items for purposes other than they were intended for, like using champagne glasses for serving dessert or a gravy dish for homemade preserves. A cutting board can serve as the base for your place setting, taking the place of your linens. Your centerpiece can be a treasured item you have on your coffee table. Be creative - think outside the box!
One of my favorite sources for centerpieces and detail additions is my yard! Nothing is prettier than fresh greenery, especially during the Christmas season. Magnolia, cedar, pine, camellias, smilax, and holly…there are so many options. It’s quick, cost-effective, and smells wonderful. Magnolia leaves make great place cards.
With a larger gathering of 10 or more, I allow my centerpieces to be higher, which encourages conversation with those beside you. With a more intimate group of eight or less, I prefer to keep the centerpieces low, so the conversation is easy and comfortable.
Chandeliers and the backs of chairs are places to add that extra detail.
While I consider the traditional colors of red and green for Christmas to be neutral, allowing them to work in any room, any color can be incorporated for Christmas décor, especially when adding fresh greenery. I love soft greens and blues mixed with winter whites for the holidays. Blush and Christmas red are beautiful together. The possibilities are endless and personal!
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THE TREE jesse Article By LEIGH JORDAN AND LEE MAYHEW SMOTHERS l
Photography by
LESLIE HOWELL PHOTOGRAPHY
A
Christmas tradition encouraging family time and focusing on the meaning of Christmas.
As many of us race to stores to finalize our Christmas shopping, host family gatherings, and dash to parties, we can become too busy to remember the reason for the anticipation and excitement of Christmas. In an attempt to create the perfect Christmas morning, we can miss an entire season of joy, overshadowed by chaos and stress! One family Christmas tradition intentionally carves out time to slow down and reflect on the season’s true meaning.
Many families, like the Jordan family, participate in the Advent Jesse Tree. This Christmas tradition requires making time together to remember the reason they celebrate this special time of year.
The Advent Jesse Tree is a devotional book based on the coming of Jesus’s birth. It begins on the first day of December with the creation story and ends on Christmas Day, the day Christians celebrate the birth of our Savior, Jesus Christ. Each devotion traces the heritage of Jesus through the stories and prophecies of the Old Testament. In addition to the devotions, the book suggests specific symbols or ornaments to be homemade and hung on your special “Advent Christmas tree” to represent each day’s Bible story. Some examples of ornaments are a tablet with numbers representing the ten commandments, a ladder representing Jacob’s ladder, and a slingshot representing David and Goliath.
The Advent Jesse Tree is the devotional that these families read each day, but there are also many resources online for those interested in starting this tradition in their family. Some of these resources even include ornaments that can be cut out and colored and instructions on crafting each devotional’s ornament. In 2014, Leigh Jordan invited 24 neighborhood moms to start a new family Christmas tradition. Each was assigned to make an ornament that would coordinate with the 25 devotions leading up to Christmas day. She sent the invitation in the early fall so they would have plenty of time to make 25 of the assigned ornament.
“There were no instructions on how to make each ornament, so it was fun to see what each family came up with. One of my favorites was the cross made from sticks that the children gathered in their yard and wrapped together with yarn. Simple and beautiful!” remembers Leigh.
The Jesse Tree tradition is rooted in Isaiah 11:1 where Isaiah predicts the coming of Jesus. He is telling people that, one day, a great ruler will rise up from the descendants of King David. Jesse was David’s father. Each symbol or ornament represents a story from within this family tree and a step toward the birth of Jesus.
“You can be as creative with the displaying of ornaments as you want to be! We use a tiny, simple tree, but you don’t have to use a tree at all. A garland or another display would also work,” says Leigh. “I love the simplicity of the tree that we use because it reminds me of the simple and humble entrance of Jesus into the world.”
The Cochran Family displays a garland over the fireplace and hangs all of the ornaments on the first day of December. At night the family gathers in the living room to read the Jesse devotional and relate the story to the ornaments.
“He has been there from the beginning,” says Jenny Cochran, “and this is a lesson not just for the kids, but for the adults as well. The advent that corresponds with the book connects the dots through the Old Testament, from Genesis and the beginning, the prophecy of Jesus’ birth, to the Christmas story in Bethlehem.”
“Our family has been doing the Jesse Tree every year since Leigh introduced us to it,” says Stephanie Kurrie. “Cort, our oldest, is 12 now, so
he is old enough to read the Bible story. Penny Belle gets to unwrap the special ornament each night. And either Thompson or I will say a prayer. It’s great family time that we all enjoy, and it’s honestly my favorite family tradition at Christmas. I hope my kids will pass this on to their children.”
“I encourage anyone with small kids to gather 24 other families and begin this wonderful tradition. Even as my kids have grown older, this Christmas tradition remains my absolute favorite,” says Leigh. “As my kids have grown, we still read the devotions and hang our ornaments; but more valuable than that is this time carved out each night to talk, laugh, and remember the gift of Jesus Christ and the gift of family. I am so thankful for a tradition that requires us to slow down and focus on the most important gift of all!”
Susan, Sam and John Jordan
Penny Belle Kurrie (photo provided by family)
l“I am so thankful
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TRIMMING THE treel Article By JOHN RIDDLE
Photography by
SARAH KATHRYN PHOTOGRAPHY
Decorations by SUSAN MULLIS, The Flower Gallery lobby of the Valdosta Country Club is a place where Themembers and guests feel welcome. A place where they, especially during the holidays, greet each other with cheerful smiles and warm hugs. It’s a place that should feel a lot like… well… home.
That is why Valdosta Magazine partnered with Susan Mullis, floral designer, and owner of The Flower Gallery, to decorate the Christmas tree and mantle for the Valdosta Country Club this year.
“The country club is kind of like a ‘home away from home’ for us when we’re in Valdosta. So many wonderful people gather there over the holidays. We wanted to give something back to the club and its members for being so welcoming to us,” said Connie Riddle, publisher of Valdosta Magazine. “We appreciate the opportunity to partner with Susan Mullis to make the lobby even more beautiful this year.”
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“We are grateful for our partnership and friendship with John and Connie Riddle and thrilled to get to work with the Flower Gallery. Susan has an incredible eye - the blue and gold of the tree complement the space so well. It’s a magnificent sight when you arrive!” said Lee M. Smothers, VCC Membership Director. "I cannot wait to see families as they come through for Christmas and take their annual photos in front of the tree.” l
Cream raw silk with embroidered gold stars carries the star theme of the tree with star ornaments.
Carolina velvet blue ribbon with gold backing pairs beautifully with the blue color scheme of the room.
The manger scene on the mantle draped with with southern long needle pine garland reminds us of Christmas’s true meaning and the simplicity of the Savior’s humble birth.
Susan designed the decorations to compliment the room’s décor with its traditional yet elegant furnishings and soft shades of blue.
THE CHRISTMAS CARD neighborhood Article By LEE MAYHEW SMOTHERS ll A GIFT TO THE COMMUNITY BY YOUR FRIENDS ON BUD MCKEY CIRCLE
WJudy Bridges, Christina, Melissa and Mike Stevens, Charlotte and Wesley Young, Becky and Joe Griffin, Jessica and Phillip Young Photo By LESLIE HOWELL PHOTOGRAPHY hen asked about my favorite Christmas Today all 45 homes on Bud McKey Circle participate tradition in Valdosta, my mind in the festivities! In fact, when you purchase a home immediately went to “the Christmas Card in the community, the card is left behind for the next Neighborhood,” properly known as Bud homeowner. Mary Beth Smotherman, whose family lived McKey Circle. This neighborhood holds a on Bud McKey when she was young, fondly remembers special place in my heart as we have driven the circle each growing up on the Christmas card street. When she and
Christmas Eve since before our daughter could read. We her husband, Briggs, began looking for their first home, dim our headlights and cruise the luminary-dotted street, there was no other location for them. “It’s my favorite admiring the decorations and hand-painted Christmas neighborhood in town, of course. It’s nice to continue cards, reading each one out loud. the tradition with family and our new baby... it brings the
The card tradition began around 1988, started by the
Christmas magic to our home!” late Lee Swigart, who worked for Miller Hardware. “Lee The Home Owners Association helps to coordinate the was a wonderful man who loved the neighborhood and décor, and it’s a shared responsibility. They distribute everybody in it. Originally, the cards were quite simple, bags and candles to each household for luminaries. They but it has developed into the Christmas wonderland it is have it down to a science... If you look closely, you will today through the years. What a remarkable tradition see dots in the road for bag placement! “It’s certainly a he started,” remembers long time Bud McKey resident, group effort. The Christmas cards have led to a close-knit,
Judy Bridges. Each card is approximately 6x8’ and sits loving, caring community,” explains Judy. “We are all prominently in every front yard. very involved in each other’s lives, from births to deaths,
and are there for each other. It’s about the relationships - everybody helping each other.”
Kendra Kennedy, a Bud McKey resident comments, “Everyone is so busy during the year, and this is a time where we can all work together and help make our community look fantastic. If you need a hammer, we have it, if we need an extra strand of lights, someone provides it. Many of us love sitting around our fire pits together drinking hot chocolate until the last car rides through and the lights turn off. The families riding through our circle with the luminaries and Christmas lights shining is just awesome... It’s a wonderful tradition that will make anyone believe in the magic of Christmas!”
It’s a joy shared by “kids” of all ages. Becky Griffin commented, “Christmas is my husband, Joe’s, favorite holiday. He loves to sit with the neighbors watching families go by. He is a kid at heart! This tradition makes us all closer.”
Some neighbors take the celebration a step further. The Henderson family plays How the Grinch Stole Christmas on a big screen in their yard. “We never want to go out of town for Christmas because we love this so much!” says Jen Henderson. “All our family comes over to watch, and the kids love it! When Jayce and JJ came along, we painted our card with Mickey Mouse and have since added a Mickey and Minnie inflatable for fun!” According to David Bridges, “When I meet someone new, and they ask, ‘Where do you live?’ I tell them, Bud McKey Circle. They immediately respond, ‘Oh, that’s the Christmas card neighborhood!’ That’s what we’re known for.”
If you have the opportunity to ride through, this is certainly a holiday treat you don’t want to miss. The cards go up after Thanksgiving, and the luminaries guide the way December 21-25.
In the words of Judy Bridges, “This is our gift to the community.”
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THE COLORS OF christmas THINKING BEYOND RED AND GREENll
Article By CALLIE SHAW, Designer/Owner, Tin Lilly Design
Photography by
WES SEWELL PHOTOGRAPHY
A Southern Christmas can come in many colors and styles, but the warmth it brings a home is never-ending.
HELPING CLIENTS DECORATE THEIR HOMES is what I love. And, at Christmas, it’s even more fun.
Red and green will always be beautiful colors at Christmas, and sometimes those are the best colors for a home or merely the homeowners’ favorite holiday colors. Other times, it’s good to bring in the colors of the home’s existing décor and have the colors of the season blend with the existing color scheme.
In this beautiful home, instead of the traditional red and green, we opted for warm earth tones to glow with the matching decor and furnishings. The tree ornaments and stairwell garlands pick up the best colors out of the gorgeous artwork hanging in the foyer.
I am blessed to be called on to design Christmas decor in client’s homes in all different schemes, colors, and variations. Finding the right blend and style that suits the client and makes their home different than every other house on the block is challenging and so rewarding.
So, as you begin decorating your home, remember not to be afraid to try something new - especially during this festive season! l
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HAVE FUN WITH tradition WHO SAYS WREATHS HAVE TO BE ROUND? Article By TANNER BOONE, Designer/Owner, Boxwood & Blooms l
Photography by
WES SEWELL PHOTOGRAPHY
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rom classical to the classics, when it comes to outdoor décor for the holidays, traditional is always on trend! However, at B&B we love to turn the traditional on its head a bit!
Who says your wreaths have to be round? This year think outside the box…or in it actually! It’s hip to be square! A square wreath brings a fun new shape to your front door or even over your mantle! With classic colors in red and green and a Greek key motif in the ribbon, this square wreath is an update on the classic!
Another fun shape for wreaths this year that we just love is a classic laurel wreath in magnolia! The horseshoe shape goes all the way back to the Greeks, so it’s truly classical! It is one of our signature wreath shapes that will never go out of style! Its simplicity and sophistication in greenery and red velvet add to the classic style that will look great on any door!
And as much as we love the new and fun… you can’t beat a traditional garland with a mix of greenery. From red velvet to fabulous dupioni silk, even the ribbon choice adds to a sophisticated sense of tradition that we all know and love! Fresh pine and cedar always bring that classic look, but being in the south, we have to have that quintessential magnolia! You can add fresh cuttings of evergreens and magnolia or even wire in some faux stems that will last you for years. By just adding more greenery to your garland at the corners, each side of the bows, or even all throughout, it really dresses it up and takes it to the next level.
So, whether you’re mixing up your wreath shape, sticking with tradition, or even adding a new classic, we hope your home and hearth are full of festive décor and fun this year! We can all use a little extra cheer! lLEFT: This square wreath in a faux boxwood is so on trend this season! With fun colors in lime and red, with a classic Greek key motif in the ribbon, it’s a perfect mix of the traditional and new! Photo provided by Boxwood and Blooms.
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ROASTING MADE EASY oysters Tips From CHEF RANDY DECOUDRES l
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Choosing oysters:
andy DeCoudres knows a thing or two about oysters. Not just because he co-owns The Salty Snapper Restaurant & Oyster Bar, one of Valdosta’s leading seafood restaurants, but because he really loves oysters. These tips will help you enjoy one of the south’s best traditions of the holiday season from one of Valdosta’s top chefs and oyster lovers.
Technique:
The more oysters you eat, you will start to notice they taste different based on the locations they are grown. I prefer "cold water" oysters from the east coast the best. These are oysters grown along the eastern coastline of the US. But in recent years, a couple of people are beginning to do great things in the Gulf as well. Especially Murder Points from Alabama. Outlaw oysters from Panacea too.
When I purchase oysters, I always look for the freshest I can find. You have 14 days from the time they are removed from the water to eat them if they stay adequately chilled. But I prefer my oysters to be no more than seven days old.
When selecting oysters to roast, I look for a larger oyster. The heat from the grill will cause the oysters to shrink a good bit. Starting with a large oyster ensures a nice bite.
My go-to oysters for roasting are Blue Points from New York State & John's Rivers from Maine. I find the Gulf oysters out of Louisiana & Texas don't have the brininess I want. I want a salty tasting oyster. Florida oysters out of Cedar Key taste great but are a little small, in my opinion, for roasting.
• Places in town to purchase oysters: Oyster
lBar downtown (ask for Dixon Golf) or The Salty Snapper Restaurant & Oyster Bar can order oysters for you. Wash your oysters very well. I like to use a hose with a sprayer.
A hot fire is critical. Some people like to roast over a piece of flat metal and cover them with a wet burlap sack. That technique works well but is not necessary. I prefer a fire grate to cook over so I can see what’s going on.
You don't need a particular cooker or grill to roast oysters. I roast them all the time on my classic Weber grill and standard barrel grill.
Cooking Tips:
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The crowd favorite when cooking oysters on a grill seems to be when I pre-shuck the oysters. Top them with a flavorful butter. Then place on the grill to cook. The oyster cooks in the butter. Heaven in a bite!
My go-to sauces for serving with classic roasted oysters are hot sauce, lemon, & cocktail sauce. Recently I've used some Tiger sauce and found it dynamite with them. Slightly sweet & spicy with the briny, smoky oysters is over the top.
If you find you purchased more oysters than you need and don't want to roast anymore, keep them on ice. Then, when you’re ready for more, heat your oven to 450 degrees, place on a sheet pan, and bake from 7-10 minutes. The oysters pop just the same. Or another option is to use them in an oyster stew. Be sure to save the juice, or liquor, that comes out of the shells.
CHEERS TO THE holidaysll S FROM VALDOSTA COUNTRY CLUB pice up the season’s gatherings and celebrations with these simple, yet festive, holiday cocktails. Crafted by Valdosta Country Club bartenders, and made in just minutes, these lively libations will be sure to get you into the Christmas spirit! l
Zen Spritz
* * * * Prosecco 1.5 oz Cranberry Juice 1 oz Orange Liqueur Garnish with Fresh Cranberries and Orange Peel
INSTRUCTIONS
Add cranberry juice and orange liqueur to a champagne flute. Top with prosecco and garnish with orange rind or fresh cranberries. Serve immediately.
lPartridge IN A PEAR TREE Sangria
* * * * 1 bottle Cabernet ¼ cup Pear Brandy 2 cups Apple Cider 1 Pear – chopped 1 Apple (Honeycrisp), chopped
INSTRUCTIONS
Add the chopped fruit, wine, Brandy and apple cider to a large pitcher. Chill for an hour. Serve with garnish of choice. We like a pear slice and cinnamon stick!
Peppermint Patty Shot
* * * 1-part Crème de Cacao 1-part Bailey’s Irish Cream 1-part Peppermint Schnapps
INSTRUCTIONS
Mix all ingredients in a shaker with ice and strain into a shot glass for a refreshingly cool shot.
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