The ARK – a place of safety and refuge

This article was originally published in GO! Christian Magazine in Summer 2017. www.gochristianmagazine.com

The angry sky was pitch dark, and the sound of rain beating mercilessly against the sturdy wooden vessel filled the air. The boat, the biggest ever built up to that point, rocked back and forth on the waves, dipping nose first into a trough, then riding high, climbing upward until it crashed down again.

Outside was treacherous. But inside, everyone and everything was safe and dry. The rain couldn’t penetrate, the wind couldn’t rip apart, and the waves couldn’t sink Noah’s Ark.

Just as Noah’s Ark was a place of safety and sanctuary thousands of years ago, so The Ark in Panama City Beach is as well.

The Ark is a 160-bed bunkhouse that was founded to serve as a retreat center for the Alabama West Florida Conference of The United Methodist Church. Its location on Panama City Beach is perfect for rest and renewal – toes sinking into sugar white sand, swimming in the emerald green water and experiencing breathtaking sunsets that spill oranges, reds and purples across the sky. But as needs arose in the community, The Ark’s founders saw past paradise. They saw hurting people in need of shelter. Over the decades, The Ark has become a safe haven.

Some of The Ark’s residents this summer are international students on J-1 visas. They arrive in Panama City Beach, get jobs and experience American culture. The Ark also sponsors Christian groups like Kaleo and Campus Outreach, and hosts retreats for pastors.

New co-directors Mike and Liz Bennett are awaiting much positive change they know God can bring to the area through the Ark’s services. They are humbled by what they have witnessed so far. Each day they surrender the ministry and its direction to God.

“You have to rely on God. There’s no other way it can all come together,” Liz said.

The Ark provides many opportunities for the public to serve. Recently, several church groups spent a day helping to clean, organize, and paint so The Ark would be ready for the J-1 visa students who would be flying in from all over the world. Volunteers scrubbed bathrooms and walls, washed kitchen cabinets, installed blinds, assembled bed frames and swept floors. Hearts were warmed by the common purpose shared.

When you first arrive at The Ark, you’ll walk into The Pour Café, a coffee shop with a laid-back vibe, serving organic free-trade coffee, whose proceeds help fund everything they do. You can purchase a perfect cup of espresso along with a delicious homemade pastry for a quick pick up, or you can stay for lunch and enjoy sandwiches and wraps.

This year, the dynamic in the bunkhouse will shift, just as things have since The Ark was established more than 40 years ago. This summer, about two-thirds of students housed at The Ark are from a Christian fellowship club that decided The Ark’s amenities would be perfect for their faith-building summer program. Liz and Mike are excited to watch God use the combination of Christian students living alongside the mostly Muslim international students. They are praying for and expecting great things.

The transitional housing aspect of The Ark has also evolved over the years. “Right now, the hardest part is the delicate balance between choosing who can stay,” Liz said. Because they aren’t equipped to handle addictions, a thorough screening process is necessary. Mike and Liz want to assist individuals and families to re-group and get their lives back on track within three months.

The criteria for staying in one of the transitional housing rooms is employment, pay rent, and help clean, repair, or use any skills they have to give back to The Ark. Liz and Mike are willing to help someone set up a bank account and acquire ID to encourage independent living.

There are many stories to tell about lives changed because someone took the time to meet a need. One of the Bennetts’ favorite success stories happened a few years back, before the international student housing had been set up. Actually, it was because of this story that The Ark’s safe housing was established.

Liz and her kids met a young man named Sam through the drive-thru of the local McDonalds. She soon discovered that Sam, along with about five other J1 Visa students from Ghana were living in deplorable conditions. Her family took Sam and another student under their wing, fed them, taught them to swim in their pool, and stayed in touch after they returned home. Mike and Liz, appalled at what they discovered, presented the need to their church, and were then able to set up a safe place. As Liz says, “safe housing is one thing we wanted because of trafficking.”

Sam is now a worship leader in Fairfax, Virginia. Furthering God’s kingdom is, many times, about meeting someone’s immediate need, so a door can then be opened to share the Gospel.

Sam’s story is proof that the Ark is a vital ministry to the Panama City Beach community, providing temporary housing to the homeless, safety from human trafficking to the vulnerable, and a place of retreat for those needing some time to renew.

Want to help? You can visit The Ark’s website at: www.thearkpcb.org, find them on Facebook, or stop by The Pour Café located at 12902 Front Beach Road in Panama City Beach.

Sudden Impact

Originally published in the Lynn Haven Ledger/Gulf Coast Gazette as an article on insurance

It was a wonderfully warm evening, the sky shimmering with stars, and Vanessa’s drive home this time of night was quiet as usual. She was thinking about how good it was going to feel to put her aching feet up and sit back and relax after a long day at work.

She was just entering the exit ramp, reducing her speed, when she saw something out of the corner of her eye, moving fast and angling toward her car.

Vanessa’s instinct was to swerve away from what she thought was a large dog, when, in a terrifying moment, she saw the young man suddenly illuminated in her headlights.

She slammed on her brakes, felt and simultaneously saw the impact of his body strike her windshield with a sickening thud, then his body rolled off and she knew she had to stop and stop now. If she didn’t, she’d run right over him. Her windshield, caved in with thousands of cracks angled everywhere, severely limited her vision.

Her car came to a stop, her heart beating in her throat. Vanessa opened her door, grabbed her cell phone, and sprinted to the figure of a teenage boy lying unconscious on the ground, her adrenaline pumping and her hands shaking uncontrollably as she tried to push those three buttons on her phone.

“911, what is your emergency?”

“Dear God, I think I’ve killed him! Why did he run out in front of my car?”

As Vanessa reached the inert figure of the boy, afraid to touch him, with a small pool of blood under his head, he opened his eyes and attempted to sit up. He started to cry, and Vanessa knelt on the road and did her best to comfort him until the police arrived, and shortly afterwards, the ambulance.

This story ended well. The reason I know, is that this actually happened to me. The 15 year old boy, thinking he would take a short-cut home by running across the lanes of the expressway at 10:30 at night, ended up with just a broken ankle. The police officers were very kind to me, telling me over and over that it wasn’t my fault, that this young man had been warned about this very behavior before.

But of course I still felt horrible. As a matter of fact, I couldn’t sleep well for days.

My car was towed, then repaired, and to be honest, I was a little afraid to drive for a month or so. I was feeling a bit skittish after that incident. But I was very thankful knowing I had towing coverage, and collision coverage too. All I had to pay out of pocket was my $250 collision deductible.

My claims adjuster, when he found out how much bodily injury liability I carried – 100/300 – was ecstatic. I remember him telling me that it was so much easier for him to work things out when the limits were higher. My assets were protected in case the parents of the boy decided to sue me.

They didn’t, by the way. The boy’s father actually apologized.

A happy ending overall. But happy endings don’t always occur in accidents like these. When it comes to liability, please put your limits as high as you can afford because you never know how bad that accident is really going to be. Things happen to the best of drivers, and your life can be changed in literally a blink of an eye.

Derek’s new license

This was originally published in the Lynn Haven Ledger as part of  The Rebecca Series for insurance

She could still remember her sweet baby boy sitting in the middle of the living room floor surrounded by his model cars, playing with that intense concentration only little boys seem to possess when it comes to cars and trucks of all kinds.

Was Derek really sixteen years old now? Rebecca’s eyes teared up when he proudly produced his new driver’s license with his smiling face – the face of a young man – staring back at her from that little plastic card. Rebecca’s heart was in her throat every time he rolled out of the driveway – would he come back home safely?

Rebecca called her insurance agent Audrey to give her the news, and they commiserated together for a few minutes about how quickly children grow up and leave their childhood behind.

Audrey checked with all of her carriers to see who could give them the best price, then they added Derek as a rated driver on Rebecca’s auto policy, and the premium went up significantly. Big time ouch.

“I know it’s a lot of money,” Audrey said, “but we’ve been able to keep the premium from getting as bad as it could. You see, because Derek gets As and Bs at school, he’s considered a ‘good student’, so that gives him a discount. And you have a great driving record too, so that helps as well.”

Audrey continued, “we could reduce your liability coverages and remove your uninsured motorist coverage completely, but unless you absolutely can’t afford the new premium, I strongly recommend you leave these as they are.”

“If Derek has his own policy, would that be cheaper?” Rebecca asked, trying to think of any other options.

“No, it wouldn’t. He’s only 16, so you’d still be liable since he’s a minor.”

“Ok, then I’d rather keep the coverages the same. I want to keep the same protection I have now.”

When Rebecca got off the phone, Derek was standing there watching her with a determined expression. “Mom,” he announced, “I’m going to get a part time job and pay for my part of the insurance, ok? That way it won’t really cost you more.” This statement, of all things, made her cry. His dad would have been so proud of him!

“I’ll tell you what, sweetie. I’ll let you get a part time job, but your school comes first. And as long as you keep your driving record clean, I’ll cover half of the increase, ok?”

“Deal!” said Derek with a smile.

Parents of new teen drivers always want to know how to keep the costs down, and that’s a tough question. Each scenario is different, with many factors coming into play, such as how many cars are on the policy, how old the cars are and what type they are. And then of course the driving histories of each driver too.

A big advantage of an Independent insurance company is they have more carriers to choose from. Some carriers are a little easier on young drivers than others, so it’s a good idea to shop the rate to make certain you have the best price for the best coverage you can afford.