Your Heating System and Carbon Monoxide

While the state of Florida is known for its warm climate and sunny views, residents understand the need for an effective heating system when temperatures plummet. If you have a gas furnace in your home, you should understand what carbon monoxide is and how you can protect you and your family from this harmful gas.

carbon monoxideWhat is Carbon Monoxide?

Carbon monoxide is a clear, odorless gas that is produced by the gas-burning appliances in your home. If you have a gas water heater, then a flue must be installed to carry the carbon monoxide that is created out of your home. The same can be said of your heating system; if you have a gas furnace, then that furnace is associated with a flue that not only lets fresh air in to aid in the combustion process, but also that allows the gases that are created to escape from your home safely. If carbon monoxide leaks into your home and your family breathes it in, it can cause brain damage or even death. The first symptoms of poisoning include nausea, headache and fatigue.

What Causes a Leak?

When your heating system is properly installed, it is designed to safely remove this byproduct of the combustion process from your home. The heat exchanger, or the location in which the heat is actually produced, is what contains the gas. It escapes through a flue that generally stretches from the location of your heating system out through your roof. The most common cause of carbon monoxide leaks is a cracked heat exchanger, but there are some other things like a blocked flue or even cracks in the flue itself that may allow for the gas to escape into your home.

Preventing Leaks

The absolute best thing that you can do as a homeowner to protect your family against carbon monoxide poisoning is to make sure that you have your gas furnace serviced each year. During our inspection, we will check all of the different aspects of your HVAC system that may pose not only mechanical problems, but also dangerous issues like carbon monoxide poisoning. Similarly, you can install detectors in your home to alert you if this dangerous gas is present. These are available as stand-alone monitors or along with fire detectors. Some companies that provide home alarm systems will also help you monitor for carbon monoxide.

What to Do if Carbon Monoxide is Present

In the event that your carbon monoxide detector alerts you to the presence of this gas, the first thing you should do is assess the symptoms of everyone in your family. If anyone reports a headache, an ill feeling, dizziness or extreme fatigue, you should evacuate your home and dial 911. If no one is experiencing any symptoms, then you can turn off all of your gas-burning appliances, reset the alarm, and then see if it continues to sound. If it continues to sound, please contact us here at A Superior Air Conditioning so that we can evaluate your system.

As always, we take your family’s safety and comfort very seriously. By installing carbon monoxide detectors and allowing us to inspect your gas-powered heating system annually for issues, you can better protect yourself and your family from this silent, odorless and colorless killer.

Boys and Girls Club Needs Your Help



We all have our gifts to share and if yours happens to be working with kids, the Boys and Girls Club of Bay County needs your help.

The Youth Basketball League is registering players right now and they are short coaches!!!!  

If you have a gift of working with children, i.e you can motivate them, have fun with them and ENJOY working with them…..Boys and Girls Clubs needs your help.  And if you happen to know something about basketball, well that is a BONUS!  Intimate knowledge of basketball or coaching is not as important as a desire to use a physical sport as a vehicle for positive self esteem.

Who do you know that can get kids moving and having fun using a sport?  Man, woman, young or old, college student, retired teacher, the youth leader at church,….who do you know?

Please keep in mind, this volunteer position would require a time commitment of 2 to 3 hours during season and would require the person to be at least 18 years of age and a background check so all the Boys and Girls Clubs normal safety protocols are followed.

The Boys and Girls Club is an after care program that provides a safe place for kids to go after school and during the summer so parents can go to work with peace of mind.  In addition to providing affordable child care, the club provides enrichment activities, time for homework and FREE recreational co-ed sports such as street hockey and basketball.

Currently in Bay County there are three locations: C.C & Vivian Moore in St. Andrews (850-763-3546), The Chapman Unit in Millville (850-785-2747) and the Frank Brown Beach Unit just east of Hwy 79 on Panama City Beach.  (850-236-3030)

Not only do all three locations offer sports programs to members for FREE, the programs are open to non-members as well.

As street hockey winds down, Basketball is starting with registration open until October 25th.  The basketball league provides a positive outlet for co-ed students ages 7 to 16 years old and normally involves a time commitment of a couple hours a week.  It is a no pressure commitment with beginners always welcome.

Basketball practice begins November 4th with games beginning December 12th with a break for winter recess when school is out of session for the holidays.

As a parent who has tried out many solutions for after care, I can say so far the Boys and Girls Club has been the most positive program for my child.  For the first time ever, he is showing an interest in team sports.   He even wants to play basketball and he has never held a basketball in his life, that I am aware!  So his desire to play is a testament to the kind of encouraging environment their staff and volunteers create in this program.

About a month ago during a street hockey game, my son Jack (he attends the Frank Brown club) kept looking at me during his game and smiling.  I was so overwhelmed with gratitude for this program, it was hard to hold back the tears.  My fervent hope is that right people and resources will continue to bless Boys and Girls Club so they continue with their mission that touches so many lives.

If you or someone you know might have interest in one of the volunteer coach positions or perhaps your business might want to help with supplies or sponsor a team, please email Ryan Roberts at or call him at the Frank Brown Unit at 850-236-3030.

You can also see what the club is up to by visiting their FACEBOOK page.


IdeaCamp this Thursday Night at the New ATC at Gulf Coast!


The wildly successful IdeaCamp held by the Panama City Beach Chamber of Commerce and made possible by Southwest Airlines is happening this Thursday evening, October 24th from 5:30 to 7:30 pm at Gulf Coast State College’s brand new Advanced Technology Center.

Community members are invited to Share, Learn and Network with other residents and business people in a relaxed environment. IdeaCamp attendees will enjoy light eats and a FREE drink ticket for the first 50 registrants that arrive.  Please REGISTER HERE in order to secure your spot.

The event is FREE to PCB chamber members and $20 to non-members. Door prizes are awarded so make sure you bring your business card and look forward to a tour of the ATC at this IdeaCamp.



Government Shut Down and Tax Deadline

While the Government Shut Down has closed IRS help centers, and the online and phone help lines, your tax forms are still due by October 15 for those who have filed an extension.

According to no refunds will be issued during the lapse in operations and everyone should try to file electronically if possible.  However, if you do owe this year – payments are being accepted.

And that taxpayers…….. is your tip for today from Abby our mascot here at Adams Business Solutions!  Have a tax or bookkeeping question?  Send it to us at  you may see it answered here!

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Government Shutdown and Housing: How will it impact home buyers and sellers?

As of the day of this writing, we are in day 7 of the government shutdown and neither side seems to be close to a compromise. How is this currently impacting the housing market?

The greatest item that I see potentially impacting the mortgage market is related to the IRS Form 4506-T. This is a required verification of the tax return numbers against the IRS database and is a fraud prevention requirement to make sure the tax return numbers are accurate vs. what the IRS has on file.

Currently this function is not being supported by the IRS due to the shutdown and there has been a great deal of speculation that this would delay or prevent loans from closing until this function is up and running again.

However, we have received word from two of our investors that we are being allowed to continue underwriting and closing our loans, and we can provide the 4506-T verification once the IRS is processing them again, and sell the loans to the investor at that time.

Basically, this means we are still doing business as usual!   However, our processors and underwriters will be carefully reviewing the tax returns, and if a potential error is discovered, it could trigger the need for the 4506-T to be completed prior to loan closing.

FHA and VA loans are very automated for the most part and our underwriters are approved to underwrite and approve these loans without the direct involvement of the agencies. We do not need FHA and VA to sign off on the loans we approve, so we are able to continue processing and closing most loans like normal. (FHA is not currently originating Reverse Mortgage HECM loans right now.)

We can get FHA case numbers without the involvement of FHA personnel in most cases.

We can obtain VA Certificates of Eligibility online without the involvement of VA personnel in most cases.

In the few cases that might require the involvement of FHA or VA personnel, they are still working with skeleton crews and taking care of business as they are able. Closings might be delayed for this reason but we would learn of this delay during loan processing and communicate it to the buyer, seller and agents involved.  Most loans can still be processed and closed without delay.

USDA Rural Housing loans are not being closed right now. A visit to USDA’s website offers the following message: “Due to the lapse in federal government funding, this website is not available. After funding has been restored, please allow some time for this website to become available again.”

Prior to the shutdown, Florida USDA Rural Housing was advising us of a 30-45 day backlog meaning that loans could easily take 60+ days from application to closing. When they start working again, look for this loan type to take even longer to close.

Fannie Mae and Freddie Mac are both open for business and we are processing, underwriting and closing conventional loans like usual.

Again, the largest potential risk of not being able to close mortgage loans was the inability to verify tax returns vs. the IRS database and our investors are allowing us to continue closing loans now, and verifying later prior to selling the loan to them.

One final impact of the shutdown is that interest rates are still very low. The Federal Reserve’s decision not to taper its QE3 Bond Purchasing last month helped to lower rates and the shutdown has also had the effect of lowering rates while investors flock to the safety of bonds.

In summary, government backed loans like FHA and VA continue to be approved and closed as usual.  Certain specialty loans including USDA Rural Housing Loans and FHA HECM Reverse Mortgage Loans are not being closed right now, but we can take applications and process files to be ready for approval and closing when the government re-opens.


We are doing business as usual and are still taking applications this week for loans to be targeted for closing in October.


Mike Tarleton
Sr. Mortgage Loan Officer
Bank of England

5410 E. Hwy 30-A, Suite 212
Santa Rosa Beach, FL 32413

850-866-2963 (Cell)
706-888-0980 (Cell / Text)
866-727-8521 (Fax)

NMLS: 264821

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Karen and the Oktoberfest

By David Angier

It appears that beer, not rain, will be flowing at Panama City’s 29th Annual Oktoberfest this weekend.

As of 6 a.m. Friday, Tropical Storm Karen, which was approaching the Panhandle with winds around 60 mph, was being shredded by upper-level wind shear and not expected to strengthen. The Weather Channel predicted that Karen would weaken before making landfall somewhere near Mobile, Ala.

The worst weather in Bay County was expected Sunday.

That’s good news for Oktoberfest, which starts today at 4 p.m. on Harrison Avenue downtown Panama City with more than 40 retail booths, 20 unique beers to sample, real Bavarian food, live music and entertainment. The festival runs from 4-10 p.m. Friday and 11 a.m. to 10 p.m. Saturday.

For complete information, go to!vstc1=page-2/vstc0=oktoberfest.