Thomas E. Williams II
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Emerald Coast Living

Category Archives: Local Business





DAVE SAYS: Paying off your credit cards

Posted on — The News Herald

Dear Dave,How do you feel about taking money out of savings to pay off credit cards?Peggy Dear Peggy,I’m OK with this under two conditions. One is that you cut up the credit cards, close the accounts, and never use those things … (Read More)





First downs, autumn Saturdays and Steve Earle

Posted on — The News Herald

“We got a pretty good team, good boys, strong boys;District champs the last three years.”“No. 29” as performed by Steve Earle Two years ago on an autumn Saturday I lowered my home decorating magazine and said across the room, “What’s a … (Read More)




DAVE SAYS: Larger emergency fund?

Posted on — The News Herald

Dear Dave,My wife and I are following your plan, and we just paid off all our debt except for the house. Since we work for the same company, do you think we should have an emergency fund that is larger … (Read More)


Retirement fears, longevity and old friends

Posted on — The News Herald

“Can you imagine us years from today?Sharing a park bench quietly …How terribly strange to be 70.Old friends, memory brushes the same years;Silently sharing the same fears.”“Old Friends” as performed by Simon and Garfunkel A major annual retirement survey was released … (Read More)









Pontoon rental popularity on the rise

Posted on — By Patrick McCreless The News Herald

Several pontoon rental businesses placed have emerged in the Panama City area in recent months. At least one pontoon rental business owner says demand has grown along with overall tourism in the area.



DAVE SAYS: A burden to help an aging parent?

Posted on — The News Herald

Dear Dave,Do you believe the adult child of a senior citizen, who is physically and mentally healthy but has neglected to plan for retirement, should be burdened with providing financial assistance to that parent?Robbie Dear Robbie,Based on the wording in your … (Read More)


Animal activity closes 2 restaurants

Posted on — ZACK McDONALD

PANAMA CITY — Rodent droppings and live roaches led health inspectors to issue temporary closures for two Bay County restaurants in the past month, according to official reports.In July, the Florida Department of Business and Professional Regulations (DBPR) issued emergency closures … (Read More)


ARBOR OUTLOOK: Deflation, Baby Boomers and Alison Krauss

Posted on — Margaret R. McDowell Arbor Outlook

Part one of a two-part series on deflation “Another day, another dollarThat’s what I’m working for todayAnother day, another dollarSure can’t buy my blues away.”“Another Day, Another Dollar” as performed by Alison Krauss My high school economics teacher once explained inflation by … (Read More)