New state program promotes planning for long-term
By BARBARA FRANKLIN
Founder, Franklin Associates
Special to CharlestonCurrents.com
21, 2010 -- With more than 75 million baby boomers in the United
States, all of whom are headed into their retirement years, the
question of who will care for these people as they age - especially
if they need care at home or in a facility - is becoming a critical
care insurance is an important tool in your efforts to be prepared
for the future. We don't think twice about creating a retirement
fund, preparing a will or establishing a trust fund for our grandchildren,
and long-term care insurance is no less important. It's especially
important for those who want to "age in place" and receive
care in their home for as long as possible. Unfortunately, too many
people don't take responsibility for their care, assuming they can
solely rely on Medicaid, which pays only for care in a nursing home.
Carolina does have a new program that aims to give consumers more
motivation to plan for their long-term care needs. The Long-Term
Care Partnership program, which marries private insurance with a
government program, is intended to reduce dependence on Medicaid
by allowing Americans to invest in private long-term care insurance
and keep more of their hard-earned assets should they spend through
those funds and qualify for Medicaid.
how the program works: If an individual purchases a Partnership
policy and receives $300,000 in benefits, he would be able to keep
an additional $300,000 in assets -- in addition to the assets the
state already allows him to keep -- and still meet the guidelines
to qualify for Medicaid.
with fewer people relying on the government for their future care,
states save money on Medicaid costs. In fiscal year 2007 alone,
South Carolina spent more than $4 billion on Medicaid. Many states
are even having to cut Medicaid budgets as they grapple with budget
shortfalls. In five, 10 or even 15 years, we can't be certain Medicaid
will even exist.
is really about personal responsibility. If you want to ensure quality
and choice of care in the future, you need to prepare now. We're
living longer, and the costs of care are rising. A number of adult
children end up caring for their parents, which can place a financial
burden on their own family.
encourage people to take responsibility for their futures and make
plans -- whether that is long-term care insurance or another option.
By planning ahead for your future, you can have peace of mind that
you will be taken care of without causing strain and stress for
your children and loved ones.
Franklin founded the Charleston-based Franklin
& Associates Inc. in 1995 to help individuals, couples,
families and business owners throughout the United States with long-term-care
planning and financing. She has earned the Long-Term Care Professional
designation from the Health Insurance Association of America. Contact
her at firstname.lastname@example.org.
us what you really think, town asks residents
ANN THRASH, editor
21, 2010 -- If you've got an opinion about working or doing business
in Mount Pleasant, now's your chance to share it with town officials
- from the comfort of your computer. The town recently set up a
to give residents and business owners a chance to weigh in on what
they like, and don't like, about the community.
site also is meant to be sort of a backyard fence for neighbors
to chat over. There are blog posts that welcome comments, newsy
snippets to check out and a budding town photo gallery. The site
also says that requests from potential "guest bloggers"
McKenzie, community development and tourism officer for the town,
says the results from the resident and business surveys will be
put together with other research as part of a marketing initiative
that will be included in the town's business plan. The plan encompasses
quality-of-life issues, what it's like to work in Mount Pleasant,
the business climate, town services, home values, tax rates and
more. The town is working with local marketing and design company
Gil Shuler Graphic Design, as well as marketing partners Blue Ion,
Foster Associates, and the McNair Group.
the best way to get people involved is by using the Internet,"
says McKenzie. With approximately 65,000 folks calling Mount Pleasant
home, it sure beats going door to door, too.
Street Bridge, refurbished several years ago by the town of
Mount Pleasant, is a popular destination for dog walkers, fishermen
and those who just enjoy looking out at the water. A new town
Web site is seeking photos from favorite sites around Mount
Pleasant, as well as residents' input on living and working
in the community. (Town of Mount Pleasant photo)
a visit to the site a few days ago, I took the residents' survey,
and it was quick and painless - less than 5 minutes. The surveys
are anonymous. There are multiple-choice questions (how long have
you lived in the town, where did you live previously, etc.) as well
as some open-ended questions that give you the chance to elaborate
on your thoughts.
example, after a question that asks you to rank the things you like
least about living in Mount Pleasant - the choices are the cost
of housing, overall cost of living, traffic/congested roads, taxes,
concerns about hurricanes/coastal flooding, and other - there's
a space for you to offer details on what you'd change about the
town if you could change only one thing. You also get to rate your
experience with town employees such as the police department, town
hall staff, sanitation crews, etc.
says the business survey asks some similar questions, delving also
into why the business chose Mount Pleasant to set up shop, what
other locales the company considered and what kinds of experiences
the company has had working with town administration.
hope to conclude the research phase in February," she says,
with the goal of getting the marketing plan in place by April.
hasn't seen any of the survey results thus far, so she's as eager
as anyone to find out what local residents and business owners have
to say. "I'm very excited to get the community input and see
how people think and what business owners have to say," she
Thrash is editor of Charleston Currents. She can be reached at:
painting helped civil rights
about Rockwell's painting]:
also states that "This painting did more for the civil rights'
cause than Picasso's 'Guerinica' for the Spanish people and the
idea of the horrors of war."
need to be a art historian to understand Rockwell. You cannot say
that necessarily about Picasso despite his genius. 'The Problem
We All Live With,' with its simplicity and attention to historical
detail, adds even more power and impact. Keep up the great work
Andy. Glad I could help.
Kenneth Laird, High Point, NC
a comment or want to vent? If you have something to
say about leadership in South Carolina, the state of baseball
today, good barbecue or something about your community's government,
drop us a line to: email@example.com.
Please send no more than 200 words and include contact information
(phone number, hometown) so we can get in touch with you.
public spiritedness of our underwriters allows us to bring CharlestonCurrents
to you at no cost. This issue's featured underwriter BB&T,
a regional bank that has built on a tradition of excellence in community
banking since 1872. BB&T is a mission-driven organization with
a clearly defined set of business principals and values. It encourages
employees to have a strong sense of purpose, a high level of self-esteem
and the capacity to think clearly and logically. BB&T offers
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online or drop in to talk with its professionals at the main
branch office at 151 Meeting Street, Charleston. Phone: (843)720-5168.
who work independently have new place to gather
PETER D. LUCASH, contributing editor
21, 2010 -- This past Tuesday saw the first gathering of the Charleston
Co-working Group, a social gathering of a group of people who work
coffee shops have been a favorite haunt to get out and be around
people, Ken Hawkins (The Digitel) and Chrys Rynearson took the lead
in organizing a weekly place for us to gather, work, talk, share
and sometimes collaborate. The next gathering will also be at Rehava,
5060 International Blvd. in North Charleston, above Starbucks (and
across from Panera, natch!) from 10 a.m. to 8 p.m.-ish - come as
you can. There is a high-speed Internet connection. The cost will
be $10 to help cover expenses. In one to two months, the gatherings
will move to space in Park Circle provided by the city of North
info and an introduction video.
how to go "Lean" through NASCAR PIT training
years, businesses from around the country have sent their executives
to the Performance Instruction & Training (PIT) facility, located
deep in the heart of NASCAR country in Mooresville, N.C., to learn
the concepts of lean manufacturing. Businesses have increased productivity
by as much as 200% through these "Lean" tools. Now the
S.C. Manufacturing Extension Partnership has partnered with PIT
to offer a new program with three open enrollment dates when anyone
can attend. This program is an exciting two-day experience taught
by SCMEP and real professional pit crews. The first date is Feb.
9-10, and only a few spots remain. If you would like to bring more
than 12 attendees from your company, private courses are available.
to enroll or learn more.
Assistance Center offering free webinars
holds untapped opportunity for many small businesses, but developing
the skills and experience can be a challenging task. Supported by
the U.S. Department of Commerce, there are now free webinars that
get you under way.
The portal hosts free export webinars developed by the U.S.
Export Assistance Center in Atlanta and the University of Georgia
SBDC. Webinar topics begin with helping you determine if you're
ready to export, and move on to conducting global research, payment
terms, costing, shipping and SBA financing.
Lucash is a Charleston-based businessman who runs Digital
CPE, a training, consulting and information media company that
works to improve the business management of organizations. You can
read and subscribe to the full edition of the Business
Indigo blog here.
organize 'Help Us Help Haiti' concert for tonight
Citadel's Class of 2010 and the cadet Human Affairs team have organized
a benefit concert, "Help Us Help Haiti," to take place
tonight after the home basketball game against upstate rival Wofford.
concert will start at approximately 9 p.m. in Buyer Auditorium at
Mark Clark Hall (the basketball game tips off at 7:05 p.m.). Two
local bands -- the Mitch Wetherington Project and the Charles David
Band -- will perform. The concert is open to the public and will
wrap up at 10:30 p.m. Alcohol is not permitted.
of any size will be accepted for admission, but the cadets are asking
for a minimum of $10. All proceeds will be donated to the American
Red Cross for earthquake relief. "This is an excellent opportunity
for our institution to help others who are in dire need of help,"
said Cadet Trey Swinton, one of the organizers.
Web site revised to offer easier calendar access, info
County government recently gave a makeover to its Web site to provide
local residents with more accessible information on county meetings.
The new consolidated calendar feature lets citizens click on the
calendar link on the county's
homepage to access a calendar detailing upcoming county meetings.
Clicking on the meeting link brings up information on meeting times,
locations and other information.
each department had its own calendar, and citizens had to click
on different areas of the Web site to find out the details for certain
meetings. County officials say they hope the new calendar will be
a useful tool to keep residents aware of public meetings.
earns CCSD 'Behind the Scenes Hero Award'
Pleasant Town Administrator R. Mac Burdette recently received a
newly created award, the "Behind the Scenes Hero Award,"
from the Charleston County School District. The award recognizes
individuals who have influenced the district and its students in
Lewis, CCSD's chief operating officer in charge of capital programs,
nominated Burdette for the award. "Under Mac's positive leadership,
the town explored opportunities to partner with the district to
find win-win opportunities to improve town services, to reduce the
town's tax burden, and to increase opportunities for students, parents
and community members," said Lewis.
mentioned the newly opened Moultrie Middle School and Mount Pleasant
Academy as examples of Burdette's commitment to excellence and creative
thinking. Both schools had longstanding joint-use agreements in
place for the recreation facilities at or adjacent to CCSD campuses,
said Lewis. In return for maintaining these first-class athletic
fields, town staff could use the facilities after hours for little
league, soccer and basketball programs.
will be the first person to give the credit to other members of
his staff," said Lewis. "But rest assured, none of this
would have happened without his vision, positive leadership and
behind-the-scenes efforts to get these two schools opened on time."
to donate some ticket proceeds to Haiti
Footlight Players will donate 25 percent of the ticket proceeds
from the Jan. 28 performance of "The Miracle Worker" to
Charleston-based Water Missions International to support relief
efforts in earthquake-devastated Haiti.
Missions is providing purifying units that can supply clean drinking
water, one of the biggest needs right now in the crisis zone. To
date, 12 units have been dispersed to Haiti to purify their water,
and 10 more are in transit. Each unit can provide water each day
for 5,000 people. Ultimately, Water Mission International plans
to send 100 water systems to Haiti.
Jan. 28 "Miracle Worker" performance begins at 8 p.m.
Tickets are $25 for adults, $22 for seniors, $15 for students, and
$10 for children 10 and younger. Call 722-4487 or buy
online through Etix.
us a review
If you have a review or recommendation of a book, movie, restaurant
or local arts endeavor, please send no more than 150 words to
editor Ann Thrash.
Make sure to include your name and full contact information.
minibottle became part of the South Carolina social scene on March
28, 1973. This change in drinking habits was preceded by statewide
rejection of the sale of liquor by the drink in 1966, dissatisfaction
with brown bagging (patrons transporting bottles wrapped in paper
bags into clubs and restaurants), and recognition of both the potential
benefits of increased tourism and the widespread illegal consumption
in metropolitan areas.
the 1972 session, the General Assembly wrestled with a proposal
permitting some restaurants, hotels, motels, and private clubs to
dispense liquor in bottles of between 1.6 and 2 ounces. Those in
favor, including Governor John West, stressed that this would assure
quality (the minibottle would be opened in the presence of the purchaser),
reduce public drunkenness (since brown baggers would not feel obligated
to finish their bottles before departing), and provide considerable
tax revenue. Those opposed warned of increased crime and rampant
November 1972 the electorate backed a constitutional amendment that
ended brown bagging by a vote of 143,083 to 103,219. Had the minibottle
era been a success? Tourism certainly increased, and chamber-of-commerce
folk quickly praised the minibottle as "a more civilized approach"
to the traditional cocktail hour than brown bagging. However, drinks
became much more expensive, and only Class A restaurants (at least
forty-seat capacity) and true nonprofit clubs were supposed to stock
minibottles-rules that were not always strictly observed.
the close of the first decade, some five thousand hotels, motels,
clubs, and restaurants were dispensing minis. Revenue was impressive,
but not as great as had been predicted. There was reportedly less
public drunkenness, and alcohol consumption did not seem to be increasing
at an unreasonable rate. But minibottles earned the opposition of
some groups, including the hospital industry, chambers of commerce,
Mothers Against Drunk Driving, and others. In 2004 nearly sixty
percent of South Carolina voters approved a referendum to remove
the minibottle requirement from the state constitution.
Excerpted from the entry by John H. Moore. To
read more about this or 2,000 other entries about South Carolina,
check out The South Carolina Encyclopedia by USC Press. (Information
used by permission.) To
read more about this or 2,000 other entries about South Carolina,
check out The
South Carolina Encyclopedia by USC Press. (Information used
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Greek Orthodox Church of the Holy Trinity at 28 Race St. downtown
has been marking its centennial with special guests and events during
the past year. On Jan. 30, the church will hold celebratory services
and a centennial brunch. Melanie Mathos, the public-relations chairperson
for the festivities, shared these five facts about the congregation
and its history. Go
online here to learn more about the Jan. 30 services and other
- In 1908,
the first Greek Orthodox liturgy in Charleston was performed in
St. John's Episcopal Church located at the corner of Amherst and
religious services were held in a house at the corner of Calhoun
and Coming streets.
- In 1910,
seventy Greek immigrants held an organizational meeting at Carpenter's
Hall on Vanderhorst Street with the express purpose of building
the first Greek Orthodox Church in the Carolinas - and in the
oldest city in the Carolinas.
- The first
Greek Orthodox Church of the Holy Trinity was on the corner of
St. Philip and Fishburne streets. It was later torn down to allow
the Crosstown Highway to be built.
- The current
Holy Trinity building, the first church in the United States modeled
in the authentic Byzantine style, was dedicated on May 17, 1953.
being a manager
is nothing more than motivating other people."
Iacocca, American auto industry executive (1924 - )
Creatures" Signing: 4 p.m. to 6 p.m. Jan. 21, Blue
Bicycle Books, 420 King St. Kami Garcia and Margaret Stohl, authors
of the young-adult novel "Beautiful Creatures," which
is set near Summerville, will sign books. "Beautiful Creatures"
opened at No. 3 on the New York Times best-seller list (Chapter
Books), and Warner Brothers has acquired the screen rights. More
Art of Dueling': 7:30 p.m. (new time) Jan. 21, Charleston
Museum. Museum Curator of History Grahame Long will give a presentation
titled "Two Pistols, Two Seconds: The Art of Dueling in South
Carolina." Discover why it has been argued that Charlestonians
participated in more duels than any other community in the United
States. Free and open to the public. More
info or 722-2996.
for Pets: 6 p.m. to 9 p.m. Jan. 22, Charleston Crab House,
145 Wappoo Creek Drive. Oyster roast to benefit Pet Helpers with
100 percent of proceeds going to the Pet Helpers Adoption Center
and Spay/Neuter Clinic. Cost: $20 adults, $10 kids. More info: 795-1110,
Miracle Worker": Various shows, both matinee and evening,
Jan. 22 through Feb. 7, Footlight Players Theatre, 20 Queen
St., downtown. The Footlight Players open the new year with the
play based on the life of Helen Keller, who was deaf and blind,
and her extraordinary relationship with governess Annie Sullivan.
Tickets: $25 adults; $22 seniors; $15 students; $10 children 10
and under. Call the Footlight Players Box Office at 722-4487 or
John" Premiere: 6:30 p.m. Jan. 24, Terrace Hippodrome,
Aquarium Wharf. Join the stars of the new movie "Dear John,"
which was filmed in Charleston, for a private screening that is
also a benefit for Carolina Autism. Event includes a red-carpet
arrival by some of the movie's stars and an official after-party
at the South Carolina Aquarium. Cost: $250 per person (tax deductible
as allowed by law). Tickets/more
ONGOING AND SOON
Dinner: 6 p.m. Jan. 25, Wescott Country Clubhouse, Wescott
Plantation, 5000 Wescott Club Drive, Summerville. Dr. John Clarkin
of the Tate Center for Enterpreneurship will speak to a dinner meeting
of the American Business Women's Association on the topic "What
We Can Learn from Entrepreneurs." Networking at 6 p.m., meeting
at 6:30 p.m., dinner served during meeting. Open to any interested
businesswomen in the Lowcountry. Cost: $15, payable at the door.
Reservations (required): Make
online or send
Auction: 7 p.m. Jan. 29, Memminger Auditorium, 56 Beaufain
St., downtown. Thirty anniversary "La Dolce Vita" auction
to benefit the Spoleto Festival USA Orchestra. Silent auction begins
at 7 p.m. with an hors d'oeuvres buffet and cocktail bar. Champagne
and gourmet sweets will be offered during the live auction beginning
at 8:30 p.m. Early bidding on some items available online
through Jan. 27. Auction items include artwork, a variety of deluxe
travel packages, locally hand-crafted furniture and more. Tickets:
$100; buy online
or call 720-1114.
Financial Services Fair: 10 a.m. to 2 p.m. Jan. 30,
Northwoods Mall. Tri-county nonprofits will be providing free tax
prep, housing help and other services as part of National Earned
Income Tax Credit Day. Working families earning less than $49,000
may qualify for free tax preparation and the Earned Income Tax Credit,
worth as much as $5,000. The fair is sponsored by Trident United
Way, Trident Urban League and the IRS. More info: 740-9000.
Oyster Festival: 11 a.m. to 5 p.m. Jan. 31, Boone Hall
Plantation, Mount Pleasant. Gates open at 10:30 a.m. for the event,
sponsored annually by the Greater Charleston Restaurant Association
to raise money for the Ronald McDonald House, Hollings Cancer Center,
Travel Council and Charleston County Science Materials Resource
Center. Oysters sold by the bucket (three to four dozen) for market
value and served with cocktail sauce and crackers. Other food available
as well, along with beer and soft drinks. Live local music, oyster-shucking
and eating contests, children's area and more. Free parking. Tickets:
$10; available online
Advice: 6 p.m. Feb. 4, Gibbes Museum of Art, 135 Meeting
St., downtown. Barbara Guggenheim, an author and art consultant,
will give a talk titled "How the Art World Works: New Twists
on the World's Second Oldest Profession." A reception will
follow the talk. Tickets: $10 museum members, $20 nonmembers. Advance
purchase required; buy
online through Jan. 29 or call the Gibbes, 722-2706, ext. 22.
Wild Game Dinner: 7:30 p.m. Feb. 10, Halls Chophouse,
434 King St., downtown. One of several new events associated with
the Southeastern Wildlife Exposition. Five-course dinner with wine
pairings. Menu includes local oysters, quail, bison ribeye and more.
Cost: $115/person. Tickets: Buy
online or phone 723-1748.
in Business Conference: 8 a.m. to 4 p.m. Feb. 12, Charleston
Marriott. The Charleston Metro Chamber of Commerce and the Center
for Women will present the conference, which focuses on integrating
female business professionals into mainstream networks and expanding
their business opportunities by providing access to successful business
leaders in the region. Cost: $75 for chamber or Center for Women
members; $100 for nonmembers. Registration:
Evening with Jack Hanna: 7 p.m. Feb. 12, South Carolina
Aquarium, 100 Aquarium Wharf, downtown. Spend an evening with animal
expert Jack Hanna during his visit to the Lowcountry for the Southeastern
Wildlife Exposition. Guests will be able to meet Hanna, enjoy hors
d'oeuvres and cocktails, and hear stories about his animal adventures
around the world. Cost: $85 per person ($75 for aquarium members,
who can order by calling 723-1748 and giving their member number).
More info: Online
of Prey Brunch: 9 a.m. to noon Feb. 13, Francis Marion
Hotel, corner of King and Calhoun streets, downtown. Jim Elliott,
executive director of the Center for Birds of Prey, will show off
some of his feathered friends in this new event, which is part of
the Southeastern Wildlife Expo. Hearty buffet-style brunch includes
coffee, tea, juice, and bottomless mimosas and Bloody Marys. $42
per person; tickets may also be purchased at the door. Tickets:
Online or 723-1748.
Cooking Classes: 11 a.m. to 1 p.m. Feb. 14, Charleston
Cooks, 194 East Bay St., downtown. A new feature of the Southeastern
Wildlife Exposition calendar. The hands-on cooking class will give
participants a chance to prepare fish and wild game, then enjoy
the food prepared in class along with a glass of wine. Cost: $75
per person. Tickets: Online
& Garden Tours: 2 p.m. to 5 p.m. April 9 and April
10, downtown Charleston. The Garden Club of Charleston offers
its 75th annual walking tour of private homes and gardens in the
Historic District. Homes also feature flowers arranged by garden
club members, and refreshments will be served in one of the gardens.
All proceeds benefit the garden club's year-round maintenance of
several public gardens, including those at the Manigault House,
the Heyward-Washington House, the Gateway Walk and the Healing Garden
at MUSC. Tickets: $35. Details: http://www.thegardenclubofcharleston.org
Picky Eaters Group
On Jim Fisher
Rural Mission's needs
Fish to buy
guide book for kids
looks at success
all of the cuts
look at summer camps
should get out
at White House
for King Day