SNOW DAY: Young Avery Brack rolls part of a snowdog Saturday morning to add to her snow family following more than 2 inches of snow in Charleston. Across the Lowcountry, children thrilled to the kind of snowfall that occurs here about once every 10 years.

FEEDBACK
:: Two Tinas on Sanford book

THE LIST
:: Olympians from SC

GOOD NEWS
:: Aquarium, United Way, foundation

ALSO INSIDE

___:: CALENDAR: This week ... and next

___:: REVIEW: Send us your recommendations

___:: HISTORY: Bachman's warbler

___:: QUOTE: Lincoln on character

___:: SPOTLIGHT: Meet an underwriter

UNDERWRITERS AND PARTNERS

ABOUT US

CharlestonCurrents.com is a new online twice-weekly publication that offers insightful community comment and good news on events. It cuts through the information clutter to offer insight and news on the best of what's happening locally. More | Reader testimonials

TODAY'S FOCUS
Seven options for saving money on health insurance
By REESE McFADDIN
Owner, Workplace Benefits
Special to CharlestonCurrents.com

FEB. 15, 2010 -- As we all continue to look for ways to put more money back in our pocket - reducing interest, cutting out that extra latte or knocking a few channels off our cable bill -- there's one place most people just don't think to look: their health insurance.

McFaddin

But amazingly, by taking the time to review your plan and consider the fact that your employer's plan may not be the most cost effective or the best plan for your needs, you could save hundreds, sometimes thousands of dollars every year.

Every day I work with individuals and businesses to help them understand what they need from their health insurance and evaluate all the major plans in the state to see what's the right choice for them. Think about what you need out of a plan. Do you have young children who need to go to the doctor often and get immunizations? Are you married? How is your health? Are you planning to have children? All of these factors can greatly affect what type of plan you need.

Here are some options I recommend to my clients frequently that they often don't realize can save them money and sometimes get them better coverage.

• Consider individual plans for spouses. Having your spouse on your company policy is not always the most cost-effective choice. You could save thousands of dollars in premiums by putting your spouse on an individual plan, especially if one of you is a female of childbearing age.
  
  
• Consider individual plans for kids. Planning to have a baby in 2010? There are individual policies designed specifically for children, with affordable premiums and benefits tailored to their needs. These policies usually have low co-pays for well visits and typically cover immunizations.
  
  
• Trust your instincts. If you feel like your premiums are too high in your current corporate policy, you're probably right. If you're healthy, pursuing an individual policy outside your employer may save you money.
  
  
• Health Savings Accounts (HSA). If you have a high-deductible plan, you can set up an HSA, which can be an easy way to save your medical dollars and add to your tax deductions at the end of the year. They allow you to put aside money, tax free, in a special account that can only be used for medical expenses.
  
  
• COBRA vs. other plans. If you're leaving your employer, COBRA is usually a very expensive option. If you're healthy, consider a high-deductible health plan, which lowers your premiums, coupled with a health savings account.
  
  
• Consider an independent individual plan outside your company. Several of my clients have saved hundreds of dollars a month simply by taking themselves off of their company plan and finding a different alternative that provides better coverage while putting more money in their pocket. Remember, employers are looking out for their bottom line, too, so their plans may not be the best options for everyone.

The best advice I can give someone looking for additional savings on his or her health insurance is to shop around and make informed decisions. This is no different than picking the right computer for your family. One computer - and one plan - does not fit all. Research your options or find someone who can help you sort through all the insurance mumbo jumbo to find a sensible plan for your needs and, hopefully, save money at the same time.

Reese McFaddin owns Workplace Benefits (http://www.benefitwork.com).

CURRENTS
A snow storm (of criticism) for school district Einsteins
By ANDY BRACK, publisher

FEB. 15, 2010 - Hats off to the Einsteins at the Charleston County School District who closed schools an hour early Friday to deal with inclement … rain.

Brack

Yes, it's obvious the school district's leaders wanted to take precautions to avoid possible problems from an evening snow that eventually brought two to four inches to the Lowcountry. But come on, didn't they go just a little overboard? Did having one hour less at school make any real difference?

When news came late Friday morning that county schools would close at 2 p.m., a quick check of The Weather Channel's hour-by-hour forecast on the Internet showed that our area would have rain and 45 degree temperatures at the normal school closing time of around 3 p.m.

In other words, even if it had been snowing a little -- and the forecast called for rain -- it still was going to be warm enough to keep anything from sticking to the roadways.

So all the falderal over closing the schools early was pure nonsense. It was the kind of decision that gives Southerners and winter weather a bad reputation. No wonder people make fun of us driving in icy conditions if we close schools at the drop of a hat. Let's hope Jon Stewart doesn't get hold of this mastermind pronouncement.

Seriously, these kind of decisions have ripple effects across the community. When the county schools close early, other organizations follow suit. Why? Because they tie their closure policies to the school policy. And that means many parents have to adjust their work days to deal with the kids - which is fine, if there is a problem. But rain and the threat of snow later in the evening?

Tip for the school district: Check The Weather Channel's hour-by-hour forecast in the future. If there's not going to be anything frozen out on the roads at 3 p.m., do everyone a favor and suck it up a little bit instead of wigging out.

* * *

The wintry weather in Charleston was loads of fun for kids. We heard peals of laughter and joy outside our windows late Friday. By Saturday morning, snowmen - whole snow families -- dotted the Lowcountryside. Later in the day, much of the snow had melted away, leaving the stubs of snow families in yards around local communities.

While our time with snow was a minor inconvenience, just think of what's been happening in the nation's capital. A sister who lives there reports there's been more than 50 inches of snow this season. Over the last week, she's been socked in at her home near the U.S. Capitol. Most businesses and government offices closed for much of last week, leading snowbound residents to do everything from those projects that have been waiting for a long time to going stir crazy.

This weekend's snowy blustering reminds us that it's fine to taste what the rest of the country deals with annually. But a taste is just enough. One of the main reasons we live here is our temperate winter climate. Another: To ensure the survival of the mosquito in our sticky summers.

Andy Brack, publisher of CharlestonCurrents.com, can be reached at: publisher@charlestoncurrents.com.

FEEDBACK
Some people forget Sanfords are 'a broken family'

To the editor:

Good article on Sanford this morning. People are so quick to criticize and I think they forget that this is still a broken family involving real human beings!

-- Tina Arnoldi, Mount Pleasant, SC

Sanfords shouldn't just go away; no one has to buy book

To the editor:

The Sanfords are not going away, and as far as I'm concerned, neither of them should. They are each human, going through tough issues of life as we all are. Just because something is not pretty doesn't mean we pretend it's not there. If writing the book helps in Mrs. Sanford's healing, the boys' healing or anyone else's healing for that matter, GREAT! If it's just fun for someone to read, GREAT! If the book gives people jobs and fuels the economy, GREAT! If people are not interested, just don't buy the book. Thanks for the article.

-- Tina Newton, Mount Pleasant, SC

Have 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: editor@charlestoncurrents.com. Please send no more than 200 words and include contact information (phone number, hometown) so we can get in touch with you.

SPOTLIGHT
Charleston Green Commercial

The public spiritedness of our underwriters allows us to bring CharlestonCurrents to you at no cost. In this issue, we turn the spotlight on Charleston Green Commercial, a full-service commercial property management company that pays attention to detail, provides exceptional personal service and is committed to adding value to buildings. Offering professional property management, consulting and other services, the company strives to improve clients' bottom lines with superior service, accessibility, reliability and a wealth of knowledge of the Charleston real estate market. By blending use of proven contractors and contacts with environmentally-conscious practices, the company helps clients stay on the leading edge of commercial real estate practices. More.

GOOD NEWS
With debt paid, aquarium makes plans for anniversary year

The South Carolina Aquarium has paid off what remained of its debt, just in time to make this year's 10th anniversary celebration even sweeter. The facility opened in May 2000 with a total debt of $11.75 million. Officials announced Friday that over the course of the past decade, 50 percent of the debt payments had been paid through profitable business operations and the other 50 percent through private donations. Twenty-two percent, or $1.3 million, of the total amount provided by private donations came from the Spaulding Paolozzi Foundation.

Aquarium officials also reported that attendance was up 11.5 percent last year, even in the face of the economic downturn. The Charleston Metro Chamber of Commerce estimates the aquarium's annual economic impact at $153 million, and the attraction sustains 2,100 local jobs.

Through debt relief, aquarium executives say, the facility will be in a position to invest in additional programs and benefits for guests. An albino alligator - one of fewer than 50 in the world - will be on exhibit beginning March 20, and a 4-D theater is expected to open later this year. Throughout 2010, original exhibits will be enhanced. For example, the Carolina Seas exhibit just finished a complete renovation, including refurbishing to the coral and new species within the tank.

Educational programs for children will continue to be a focus; to date, nearly 90,000 school kids have enjoyed the aquarium's free Structured School Programs, and all South Carolina teachers get free admission. In addition, the aquarium recently invested in a new program, Aquarium Rovers, which allows the facility's experts to take animals such as boa constrictors and penguins into local classrooms.

The facility's focus on conservation will be further strengthened, officials said, with on-site educational classes as well as business practices that include extensive recycling and the use of biodiesel to run the aquarium's generator.

Find out more about the aquarium, an underwriting partner of CharlestonCurrents.com, at http://www.scaquarium.org.

Volunteers needed for Festival of Houses and Gardens

The Historic Charleston Foundation is looking for volunteers to help with its 63rd Annual Spring Festival of Houses and Gardens, which takes place March 18 through April 17. More than 600 people volunteer each year for the event, which is the organization's largest fundraising effort. The tours provide both visitors and volunteers with a rare opportunity to explore the gardens and interiors of some of the finest private homes in America.

Volunteers can serve in several capacities, including docents (describing the room to which they are assigned to visitors using information provided by HCF), garden docents (describing gardens to guests), street marshals (assisting visitors with directions to tour sites and general information provided by HCF) and hosts and hostesses (pouring wine and lemonade for visitors during the Glorious Gardens receptions).

Volunteers should be able to attend one of these three training meetings: March 2, 5:45 p.m. to 6:45 p.m., Seacoast Church, Mount Pleasant; March 8, 5:45 p.m. to 6:45 p.m., John Wesley United Methodist Church, West Ashley; or March 15, 5:45 p.m. to 6:45 p.m., the Charleston Museum, downtown.

If you'd like to volunteer, go here to fill out an online form or find out how to get more information.

United Way tops $10 million in pledges despite recession

Trident United Way had its 12th consecutive record-setting campaign in 2009, raising $10,109,128 in pledges - an increase of $200,000 over the previous year at a time when virtually every other United Way in the nation saw their fundraising decline because of the ongoing challenges of the economic downturn.

"The more the need, the more our donors are looking to make charitable investments that deliver high returns," said Christopher Kerrigan, president and CEO of Trident United Way. "Our focus on education, income and health has really reverberated with contributors."

Reaching the fundraising goal is particularly noteworthy in a year when 13,000 more people are unemployed than in January of 2008. That translated to about $1 million in lost pledges even before the campaign began.

The largest overall campaign was at Santee Cooper. Under the leadership of CEO Lonnie Carter, employee contributions and corporate gifts added up to $560,000.

The largest employee contributions came from Roper St. Francis Healthcare, led by CEO David Dunlap, who is also the board chair for Trident United Way. Employees at RSFH pledged $478,000. Employees of The InterTech Group, led by CEO Anita Zucker, pledged the most per person, at more than $4,000.

RECOMMENDED
Send us your reviews

HAVE 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.

The history of this small, brightly colored warbler (Vermivora bachmanii) is closely tied to South Carolina. The species was discovered by the Reverend John Bachman in 1832 on the Edisto River a few miles north of Jacksonborough. In 1833 John J. Audubon painted a male and named the species after his friend Bachman. The Bachman's warbler is believed to be extinct. The last acceptable report was made in 1958, when John H. Dick photographed a male in Charleston County near the original discovery site.

Based on historical collections, the Bachman's warbler is believed to have once been common and widespread in the Southeast. The warbler inhabited the edges or open interiors of swamps. Most of the few nests that have been found were in thickets of cane and brambles. Initially the species apparently benefited from the activities of early settlers, both Indians and Europeans, who created suitable openings in the forest. By 1900, however, the species had become rare, perhaps due to extensive destruction of hardwood swamps for agriculture. At the same time, large areas of the warbler's wintering grounds in Cuba were destroyed for agriculture.

No Bachman's warblers have been found on territory since 1961. Through 1978 at least six reports had been made from I'On Swamp, north of Charleston. Despite extensive searches, none of these has been verified.

-- Excerpted from the entry by William Post. 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 by permission.)

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CREDITS

CharlestonCurrents.com is provided to you twice a week by:

• Editor: Ann Thrash, 843.494.4468
• Contributing editor, business: Peter Lucash
  
• Publisher: Andy Brack, 843.670.3996
  

Address: P.O. Box. 22261 | Charleston, SC 29413

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© 2008-2010, Statehouse Report LLC. All rights reserved. CharlestonCurrents.com is published every Monday and Thursday by Statehouse Report LLC, PO Box 22261, Charleston, SC 29413.

THE LIST
Olympians from the Carolinas

The Olympics got under way last weekend, and while there are no Charlestonians in the Games, there are two athletes with South Carolina ties and four more with North Carolina connections. Keep an eye out for these folks from our neck of the woods (more or less) on the medal stands:

• Lauren Cholewinski, speed skating - native of York.
• Mike Kohn, bobsled - Columbia native who now lives in Myrtle Beach
• Lowell Bailey, biathlon - native of Siler City, N.C.
• Heather Richardson, speed skating - native of High Point, N.C.
• Eric Staal, hockey - plays forward for the NHL's Carolina Hurricanes (based in Raleigh)
• Seth Wescott, snowboarding - native of Durham, N.C.

  Source: http://www.nbcolympics.com

QUOTE
On character

"Character is like a tree and reputation like its shadow. The shadow is what we think of it; the tree is the real thing."

-- Abraham Lincoln, 16th president of the United States (1809-1865)

CALENDAR: THIS WEEK

Third Thursday: Feb. 18, downtown Summerville. The monthly Third Thursday promotion in historic Flower Town has a February theme of "Fall in Love with Downtown Summerville." Stores will be open until 8 p.m. for shopping and strolling, and restaurants will be offering dinner. More info: Online or 821-7260.

City's "Sickly Season": 7:30 p.m. Feb. 18, Charleston Museum, 360 Meeting St., downtown. Charleston was the unhealthiest of the 13 original colonies, and during the 18th and 19th centuries, diseases of epidemic proportion plagued the city and hampered its grown. Museum Curator of History Grahame Long will give a presentation titled "Infections, Afflictions, and Perilous Prescriptions: Charleston and 'The Sickly Season.' " Free and open to the public. More info.

(NEW) Gibbes Community Day: 10 a.m. to 1 p.m. Feb. 20, Gibbes Museum of Art, 135 Meeting St., downtown. Sponsored quarterly by the Junior League of Charleston, Community Day gives visitors a chance to enjoy the Gibbes Museum at no cost. Nature is the theme for the event, which includes art-making activities for kids. Scheduled activities include a musical performance by students from Memminger Elementary at 10:30 a.m. and a book reading by Christi Sanford, author of the "Legare the Lizard" series, at 11:15 a.m. Beverages will be provided by Rising High Café. More info online.

Sustainable Seafood Dinner: 6 p.m. to 9 p.m. Feb. 20, Restaurant at Middleton Place Plantation, 4300 Ashley River Road. The South Carolina Aquarium's Sustainable Seafood Initiative and the restaurant will present a dinner featuring sustainable seafood, with a portion of the proceeds benefitting the Initiative. Reservations (required): 577-FISH (3474). More info.

(NEW) Charitable Society Oyster Roast: 7 p.m. to 11 p.m. Feb. 20, Charleston Visitor Center Bus Shed, 375 Meeting St., downtown. The Charleston Charitable Society's 17th annual oyster roast is a benefit for Carolina Autism and is the Charitable Society's first joint event with the Palmetto Society. Tickets include oysters, chili, beer and wine; Soul Function will provide the music. Cost: $20 in advance, $25 at the door; available online or at South Carolina Bank & Trust branches at 46 Broad St., 315 Folly Road and 1032 Johnnie Dodds Blvd.

CALENDAR: ONGOING AND SOON

ABWA Game Night: 6 p.m. to 9 p.m. Feb. 22, Holiday Inn Express, 120 Holiday Drive, Summerville. The American Business Women's Association's Jessamine Chapter of Summerville will hold a game night fundraiser and silent auction to benefit women's scholarships. Open to the public. Guests are invited to bring their favorite game and/or team. Prizes, food and beverages provided. Cost: $10 ticket donation. Reservations requested. Contact Shirlie Taylor, 873-6769 or get tickets online.

Arts in Crisis Tour: 9 a.m. to 11 a.m. Feb. 23, Recital Hall, Simons Center at the College of Charleston. Michael Kaiser, president of the Kennedy Center in Washington, D.C., chose Charleston for his only South Carolina stop on his 50-state Arts in Crisis Tour. He will speak about current challenges and opportunities for arts organizations. The Charleston Concert Association is hosting the program in partnership with the S.C. Arts Commission, the City of Charleston Office of Cultural Affairs, and the College of Charleston School of the Arts. Free and open to the public, but advance registration is required; e-mail or call 727-1216.

Sorensen to speak: Noon, Feb. 23, Charleston Music Hall, 37 John Street. Attorney Ted Sorensen, former key aide to President John F. Kennedy, will offer reflections to students at the Charleston School of Law. The public is welcome, but is asked to reserve a spot. Click here for more.

Winter Golf Classic: Feb. 23, Wild Dunes Resort's Links and Harbor Courses, Isle of Palms. Sponsored by the Charleston Metro Chamber of Commerce to offer businesses five hours of uninterrupted networking with key clients, customers or contacts. Tournament (captain's choice format) includes 60 teams on two full courses; each team gets 18 holes of golf with lunch and beverages, followed by a reception and dinner at the Sweetgrass Pavilion. Registration begins at 10 a.m.; shotgun start at 11:30. Cost: $800 per team or $200 per individual. Registration here.

Amuse Bouche: 5:30 p.m. to 8 p.m. Feb. 26, Halsey Institute of Contemporary Art, College of Charleston, 161 Calhoun St. The event, the unofficial kickoff of the BB&T Charleston Wine + Food Festival, benefits the Lowcountry Food Bank's Kids Café and Backpack Buddies Programs and the Halsey Institute. Jim 'N Nick's Bar-B-Q will "Pork from Around the World" tastings, and Whole Foods will offer an open wine bar. Cost: $20 per person at the door; RSVP no later than Feb. 24 to 747-8146 or mcoombes@lcfbank.org.

Park Angel Get-Together: 2 p.m. to 4 p.m. Feb. 28, grassy area near Maritime Center, 10 Wharfside St., downtown. The Charleston Parks Conservancy will host a social for old and new members to get acquainted and learn more about the group. Food, games and prizes along with opportunity to learn about upcoming events and volunteer needs. The organization works to support local public parks by planting and maintaining green spaces and promoting the history and beauty of local gardens. For more info or to register as a Park Angel (it's free), visit this Web site.

"Whistler's Women": 3 p.m. March 7, Gibbes Museum of Art, 135 Meeting St., downtown. The Charleston Chamber Opera and the Gibbes will present an afternoon of opera in the rotunda, the setting for the "Whistler's Travels" special exhibition. Soprano Patrice Tiedemann, mezzo soprano Lara Wilson and baritone Paul Soper will explore the life and loves of artist James McNeill Whistler (who was married but had several lovers, one of whom bore him several children and another of whom raised his son by yet another woman). The clever mix of art song, opera and theatrical flair will include the music of Debussy, Saint-Saens, Mahler, Gilbert & Sullivan and others. Tickets: $10 museum members and students; $20 nonmembers. Buy online, at the museum store or by calling 722-2706, ext. 18.

(NEW) Museum House Furniture Tours: 4 p.m. March 18 and March 19, and 10 a.m. March 20, Heyward-Washington House, 87 Church St. downtown. The Charleston Museum's Heyward-Washington House will host furniture-focused tours with special information on the significant 18th-century English and Charleston-made furniture collection housed there. Visitors can learn about Charleston cabinetmakers, locally harvested and imported wood, and the influence of Thomas Chippendale. Reservations not required. Admission: $10 adults, $5 children (free for museum members). More info: 722-2996, ext. 235, or visit online.

Dock Street Reopening: 6 p.m. April 1, Dock Street Theatre. Gala concert planned by Spoleto Festival USA for the reopening of the theatre after three years of renovations. Performances include a sneak peek of the Spoleto opera "Flora," which was first performed at the Dock Street in 1736. Events include champagne reception, performance and seated dinner. Tickets range from $250 to $1,000. Call 579-3100 or buy online.

(NEW) Hat Ladies Easter Promenade: 11 a.m. April 3, Meeting Street between Broad and South Battery, downtown. Members of the Hat Ladies and their families will take their annual elegant stroll down one of the city's most recognizable streets in honor of hat-wearing traditions. Free. More info online or call 762-6679.

House & 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 or 530-5164.

Talk by Christo: 5:30 p.m. April 13, Memminger Auditorium, 56 Beaufain St., downtown. Internationally known artist Christo will visit talk about his work in a slide presentation and lecture sponsored by the Gibbes Museum of Art. Christo and his late wife, Jeanne-Claude, have collaborated throughout the world on large-scale art projects using fabric, including wrapping the Pont-Neuf bridge in Paris, the 24½-mile-long Running Fence in Sonoma and Marin counties in California, and The Gates in New York's Central Park. Tickets (in advance only): $25 for museum members, $35 for nonmembers, and $15 for students (with ID); available at the Gibbes Museum Store, by calling 722-2706, ext. 22, or online through April 6.

FOCUS ARCHIVES

7/1: Shaffer: Picky Eaters Group
6/28: Bender: Fishy Fourth
6/24: Belden: Society 1858
6/21: Stevenson: Summer reading
6/17: Handel: On Jim Fisher
6/14: Reeves: Summer dress
6/10:Martin: Garden tips
6/7: Dubrofsky: Green homes
6/3: McCutcheon: Young pros
5/31: McFaddlin: Health benefits
5/27: Ledbetter: Senior riders
5/24: Myers: Microloan's impact
5/20: Gadson: Rural Mission's needs
5/17: Bender: Bocce bashing
5/13: DeMarco: Homeless help
5/10: Spencer: Ending violence
5/6: Westmeyer: Fish to buy
5/3: Maas: Spoleto tips

• More of Focus in the archives

THRASH ARCHIVES

3/4: Green mowers
2/25: Get outdoors
2/18: Local guide book for kids
2/11: Reviewing Jenny's book
2/4: MSNBC looks at success
1/21: Tell Mt. Pleasant
1/14: Winter plant tips
1/7: New books

• More Ann Thrash in the archives

BRACK ARCHIVES

3/1: Cut all of the cuts
2/22: A look at summer camps
2/15: School district Einsteins
2/8: About mules
2/1: Bauer should get out
1/28: Gibbs at White House
1/25: Friend's new show
1/18: Rockwell painting
1/11: Palmetto Priorities
1/4/10: Piggly Wiggly visit

• More Andy Brack in the archives

BUSINESS INDIGO

2/4: Advice on working with Boeing
1/21: Co-working group
1/7: Free library text questions

LIST ARCHIVES

3/4: Tickets still left
3/1: Eat & Run
2/25: RiverDogs' auction
2/22: Recycling bins
2/18: Designer data
2/15: SC Olympians
2/11: Prohibition cocktails
2/8: Tops for Charleston
2/4: Sweet treats
2/1: Free at SEWE
1/28: Artists' gift
1/25: Sharks at Aquarium
1/21: Church turns 100
1/18: 3 helping Haiti
1/14: Civil War lectures
1/11: 5 for King Day
1/7: New at SEWE
1/4/10: Staying warm

• More Lists in the archives