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CMYK
News Magazine
Salute to Veterans
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National Hospice Month
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NOVEMBER 2008
Choosing The Right Hospice By Carole Bowdre
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Choosing the right hospice is a difficult, personal decision, as you or your loved one must have been diagnosed by a physician with a “terminal illness”. No one is ever prepared for such a pronouncement. Knowing what questions to consider before making an informed decision is
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News Magazine
Monthly publication, distributed free throughout the Horry, Marion, Georgetown, Counties. Copyright 2008. All rights reserved by Dale Publishing, Inc. Reproduction or use without writen permission is prohibited. Member of Conway Chamber of Commerce. The opinions expressed herein are exclusively those of the writers and do not necessarily reflect the position of the publisher. Dale Publishing, Inc. does not endorse or guarantee any advertiser's product or service. We reserve the right to refuse any editorial that is submitted to this publication.
PO Box 2265 Conway, SC 29528 Phone/Fax (843) 397-9020 E-Mail tarheel1@sccoast.net
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Jerry Dale & Diane Dale Editorial/Composition Cindy Sudowski
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Contributing Writers Carl Oberer Jim Morgan Carolyn M. Ball Dr. Kimberly King Dr. Jeffrey Horowitz Dr. Karl Hubach Dr. William Parker Lisa Arnel Peggy New Marianne Levenson Joyce Calabrese Judge Deirdre W. Edmonds Patrick Munro Kathryn Cook DeAngelo Kathy Foxworth Deana Moore Dan Evans Suzanne Swearnegen Carole Bowdre Tom Parks
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vital, as it is the patient’s choice. Hospice is not a place, it’s a way of caring. To be “certified” for hospice care, the doctor must state that statistically, the illness may cause death within six month or less. Some patients live longer than six months, some for years. Living life as fully as possible for every day and every hour is precious, which is where hospice care comes in. Quality hospice care can make the difference between unbearable pain and overwhelming stress, or living peacefully and as pain free as possible to the very end. Hospice is about dignity and caring for one another. Hospice serves the family as well as the patient. A decision to use hospice services does not mean that you are giving up. It is an affirmation of the meaning of your life. It allows you to optimize the time you have, control symptoms, and do what is necessary. For families and caregivers, hospice provides the support and training to deal with the unknown and the crisis that often accompanies the approach of death. Dealing with symptoms related to a terminal illness involves unique applications of medications and ways of administering medications that provide for the patient’s comfort and well-being. Many physicians
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and nurses, who are not experienced in hospice care, do not know how to deal with pain management. Hospice care is a special because it accepts dying as a natural part of life. When death is inevitable, hospice seeks neither to hasten nor delay it. Choosing hospice care means choosing quality of life, not length. It is not a curative treatment, but rather serves to promote the comfort and peace of the patient and the family. Hospice is a team approach to support the patient and family throughout the course of the illness in a holistic manner. Once a decision has been made to seek hospice assistance, a positive step has been made to make the last days more meaningful and comfortable. There are many hospices in each state, so researching the hospices in the area is important. Medicare, Medicaid and most private insurance plans cover hospice services. Check with your insurance carrier in reference to hospice benefits. These are many questions that should be asked to any potential hospice team. Asking what services, such as ones provided by volunteers, after-hour care, and what support is offered to the family, is a primary inquiry. Check whether the program is licensed by the state, if the agency has references, who owns the hospice, and how payment is handled. If these are answered satisfactorily, more detail can be requested. Check whether the agency creates a specific plan of care for each patient, the role of the attending physician, whether the hospice provides short-term inpatient care and if they are contracted to any local nursing homes. There should be no limits to questions when caring for a loved one.
Also, speak with others who have recently used hospice services and seek their opinions. A recent personal experience with a hospice is perhaps the best indicator of the type of care provided. These questions and worries are part of who we are. Agape Hospice is a ministry of Agape Senior that serves various areas throughout South Carolina. Locally, Agape Hospice serves Horry, Marion and Georgetown Counties. Agape offers all the services necessary to help patients function to their unique capacity. Agape provides comfort and guidance to caregivers, family members and friends of the hospice patient. The CEO and founder of Agape Senior is an ordained Methodist minister, who ministered in nursing homes before starting Agape, so he has experienced it from the bottom up. The focus of Agape’s care is in the home setting, but other options are available. Agape is contracted with major hospitals and nursing facilities. The Agape team consists of the patient’s doctor, Agape’s medical director, certified hospice nurses, medical social workers, chaplains, certified nursing assistants and trained volunteers. Agape nurses and certified nursing assistants are available 24 hours a day, seven days a week. Bereavement visits and counseling services are available to family members for a year after the death of the patient. The first hospice house of Horry County, Agape Hospice House, is opening soon on Highway 378 in Conway. It will be devoted entirely to serving terminally ill patients and their families in a homelike setting. The Agape Hospice House staff will be totally committed to providing quality, compassionate, inpatient, respite and residential care for patients needing pain management, who have no caregivers or caregivers who need a break, or for patients who have only a few weeks to live. The hospice house will offer physical, spiritual, social and emotional care in a loving faith-based environment. Agape Senior was founded in 1991 to provide integrated health services to seniors in South Carolina. It is recognized as a senior services provider of first choice, stressing the importance of individual quality care, love, respect and dignity for patients and residents. Agape boasts with pride the resort-type atmosphere exhibited in all facilities. On the Grand Strand, Agape Senior offers two Assisted Living facilities, one in Conway on Highway 378 and one in the Garden City and Murrells Inlet area at 11951 Grandhaven Drive. The assisted living in Conway has a 30-bed dementia unit, and ground has been broken to build 40 one-bedroom independent apartments for seniors. Also, Conway will soon open a 48-bed Transitional Care Unit that will be a bridge from hospital to home, providing occupational, speech and physical therapy. A 24-bed Skilled Nursing Unit and a 22-bed Hospice House will be available for patients and referrals within the next few months. We invite you to visit and tour our facilities on the Grand Strand. Please feel free to drop in, or call Garden City at 843.357.0200 or Conway at 843.329.6565 for a tour. Come visit and allow us to present you with a complimentary gift. Agape Senior and Agape Hospice are committed to serving seniors and providing premier healthcare throughout the State of South Carolina. For more information, contact Carole Bowdre at cbowdre@agapesenior.com or 843.655.2796. www.AgapeSenior.com
Tideland Continued from page 26
______________________________ by the community’s investment, Tidelands gives back to you with educational programs, in-service opportunities to healthcare providers and businesses, as well as on-going bereavement support. Tidelands Hospice accepts payment through Medicare, Medicaid and private insurance; but if a patient has no reimbursement source, we are going to provide them with the same care as a patient who does. We believe every patient should be treated with courtesy and dignity, and be provided with the best pain relief and comfort to the end of his or her life. Tidelands is committed to providing services to patients in their home, a nursing home, assisted living facility,
Solar Continued from page 14
______________________________ the federal is 30% and state 25% with yearly caps. 16. How much will a solar system cost for my home? An industry standard estimation is $10/watt for a grid-tied system. battery bank system is more like $12/watt. 17. Can I use my current water heater with a solar hot water system? Yes if we install a solar heat exchanger tank as a standby tank that feeds your existing tank. This is a very efficient configuration but it requires ample space for the additional tank. A solar thermal system
NOVEMBER 2008
hospital, prison and/or homeless shelter. Our team creates the best plan of care for each patient, to provide the best quality of life through understanding that death is a natural part of living and giving relief from distressing symptoms and pain. To learn more about the services and care offered by Tidelands, please give us a call at 843546-3410 or visit our website at www.tidelandshospice.org. For over 23 years Tidelands Community Hospice has been the number one choice of many patients in the Horry, Georgetown and Williamsburg counties. We know you will want to choose Tidelands as well. Peggy New is the Outreach Coordinator for Tidelands Community Hospice. If you would like to have her come and speak to your group or provide further information about hospice and end of life issues, please contact her at 843-546-3410 or 843-222-0905.
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requires a heat exchanger tank somewhere in the configuration to transfer energy to the potable water. 18. How many panels will I need for a solar hot water system? 1 - 30 tube evacuated-tube collector is ample for families up to 6. 19. Can a solar system heat my pool all year long? That depends on how many collectors are installed and how much solar is available during the winter season. Solar thermal for pools works best if it is used to supplement a heated pool if a constant temperature is desired for yearround swimming. A straight solar heater would work best for indoor pools. For more information, contact Carolina Cooling & Plumbing, Inc. 843) 238-5805. Visit us online at www.carolinacool.com.
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234-9100 www.conwaypodiatry.com
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NOVEMBER 2008
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Today’s Treatment Of Varicose Veins
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By Karl Hubach MD, RVT
The understanding of what causes varicose veins and how to treat them has changed over the last 10 years. New advanced treatments can now be offered in the comfort of the physician’s office with little to no down time. These changes can be attributed to the improvement in ultrasound technology and advancements in the methods to eliminate abnormal veins. The problems that varicose veins can cause
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include leg pain, swelling, skin discoloration, itching rashes, restless legs, and open sores, called ulcers. Because of these problems, the treatment of varicose veins is often not for cosmetic reasons and is a covered service by insurance. One of the most common questions we receive at Inlet Vein Specialists is, “will my insurance cover this treatment?” The answer is, “yes –if you meet your insurance’s criteria stated in your policy.” We must remember, these criteria are insurance criteria and may not be medical criteria. Most insurance policies will require: (1) that the abnormal veins to be treated have a minimum size of 3 to 4mm, (2) that the veins are causing significant symptoms, and (3) that there has not been adequate relief in symptoms from treatment with walking, leg elevation, analgesic medication, weight loss (if needed), and use of fitted graduated compression hose – for, anywhere, from 3 to 6 months, depending on the policy. In the past, treatment of varicose veins required hospitalization, general anesthesia, lengthy recovery time, large scars, and a lot of pain. This is no longer true. Treatment can now be rendered in the office, using local anesthesia (similar to what is used at the dentist or for a cut in the skin), with immediate activity, excellent cosmetic results, and minimal discomfort. One of the most important components to successful treatment is an accurate assessment of the underlying cause and source of the varicose veins. The ultrasound machine has become an indispensable tool for this purpose. It is used to map out the normal and abnormal veins in the leg, to guide the new treatment methods to affect only the areas of abnormality, and to follow the progress of treatment. There have also been important changes with the use of new technologies including lasers, radiofrequency catheters, and foam sclerotherapy. In skilled hands, these technologies have allowed for the safe elimination of large abnormal varicosities with only a needle entry to the skin. The treatment and understanding of venous disease has changed so much in the last 10 years, the American Medical Association (AMA) has recognized a new medical specialty called, Phlebology. There are currently only 248 Board Certified Phlebologists in the country. An excellent source for accurate, up to date, information on venous disease can be found at www.phlebology.org. Karl Hubach MD, RVT, Board Certified in Phlebology, Inlet Vein Specialists, PC 843–652-5344 (LEGG)
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Reverse Mortgage Funds To Cover Expenses And Achieve Dreams A QUICK Q & A GUIDE ON HOW TO OPTIMIZE RETIREMENT FUNDS WITHOUT SELLING YOUR HOME
What is a reverse mortgage?
What are the tax-free1 cash options?
• It’s a special type of loan that enables individuals aged 62 or older to convert some of their home’s equity into tax-free1 funds • Unlike traditional equity loans, you receive payments instead of making them
• Lump sum advances make cash immediately available • Tenure plans provide fixed, monthly cash advances • Line of Credit makes cash available upon request
Who is eligible? • Homeowner(s) who are at least 62 years of age and occupy the property as their primary residence • Eligible properties include single-family homes, condominiums and townhomes, or a 2- to 4-unit dwelling • The home must be owned free and clear or have a small remaining balance that can be paid off with the reverse mortgage • No income, employment or credit requirements are required2
How much can someone borrow? • The amount that can be borrowed is based on a HUD formula that factors in the age of the youngest homeowner, the interest rate, appraised value, and the county where the property is located
What are some of the benefits? • You keep title to your property until you move, sell the home, or pass away, provided all other program requirements are met. • Cash advances can be used for any purpose • Loan proceeds are not considered income and will not affect Social Security or Medicare benefits. However, your monthly reverse mortgage advances may affect your eligibility for some other programs. Consult either your local program offices or your attorney to determine how, or if, monthly reverse mortgage payments might affect your specific situation.
What type of interest rate options are there? • The reverse mortgage is a variable-rate loan linked to the one-year U.S. Treasury Security Rate • Any adjustment in the interest rate has no effect on the amount or the number of loan advances the customer can receive, but causes the loan balance to grow at a faster or slower rate
What are the costs involved with a reverse mortgage? • There are closing costs, which can be financed into the loan. These may include an origination fee, title insurance, appraisal, a mortgage insurance premium and attorney fees • Typically, the out-of-pocket expense required at closing is about $300 • The customer is expected to continue maintaining the property, paying the real estate taxes and hazard insurance premiums
How is the loan repaid? • You do not need to repay the loan as long as you or one of the borrowers continues to live in the house, keep the taxes and insurance current, and maintain the property to FHA standards • Please ask your reverse mortgage consultant for details about when repayment may be due • Any remaining home equity belongs to you or your heirs - none of your other assets will be affected by the reverse mortgage
Call me today for a complimentary consultation. Jerry A. Garner
Sales Manager Reverse Mortgage Specialist 2470 Mall Drive N. Charleston, SC 29406 843-202-3383 Tel 800-677-0566 Toll-free 843-670-4332 Cell jerry.a.garner@wellsfargo.com www.wfhm.com/jerry-garner
1. Consult a tax advisor. 2. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. Family members are also strongly encouraged to participate in these informative sessions. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2008 Wells Fargo Bank, N.A. All rights reserved. #58221 6/08-9/08
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November 11th Salute to Veterans at Wheelwright Auditorium
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New Documentary Film Follows a WW2 Veteran Back to the D-Day Battlefields of France
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The public is invited to attend the fourth annual “Salute to All American Veterans” — scheduled for 7:30 p.m., Tuesday, November 11th in Wheelwright Auditorium at Coastal Carolina University – which features a documentary film on a local World War II veteran’s return to the battle-
fields of D-Day. The event, which is sponsored as a public service by Goldfinch Funeral Services, Coastal Carolina University and HTC, is an annual Veterans Day tribute to local American veterans of all eras. All veterans are invited, and so are those who wish to thank them for their service. The event is free to the public, and complimentary refreshments will be available. “A Salute to All American Veterans” will include musical performances, a color guard and public recognition of all American veterans. The event will also feature the premier of a new film documentary, Back to the Battlefield: A Veteran Returns to Omaha Beach. The documentary, which was produced locally by historian Rod Gragg and video producers David Parker and Dennis Reed, follows D-Day veteran Mike Fitch of Conway back to Omaha Beach in France, where he landed on D-Day of 1944. Fitch was a 22 year-old corporal attached to the 119th Regimental Combat Team, which followed the U.S. Army Rangers onto Omaha Beach early on the morning of June 6, 1944. This past summer Fitch returned to Normandy and saw the Omaha Beach battlefield again for the first time in 64 years. Through the film, viewers follow Fitch back to Omaha Beach and other battlefield sites as he relives the events he experienced on DDay in 1944. “We hope that the community will join us in showing our deeply felt appreciation for the men and women who have worn – and are wearing — the uniforms of our armed forces,” said George Goldfinch Jr., whose firm is one of the event’s sponsors. “We’re planning a very meaning special event to honor all the veterans who live in our region or who are visiting here.” The documentary film that will be premiered at the event is the fourth film produced for the annual Veterans Day event. It is the first production to document a veteran’s return to a battlefield. In it, 90-year Mike Fitch shares on-thescene memories at Omaha Beach, from the ruins of German beach defenses, in the hedgerows, villages and farmland where the D-Day fighting raged, and at the American Cemetery overlooking Omaha Beach, where he searched this past summer for the grave of an American officer who was killed at his side during the D-Day landing.
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Recipes
Recipes to make for the grandkids over the Thanksgiving Holiday! Peanut Butter Bars Let the children help make these! 1 6oz. pkg. semisweet mini chocolate chips, melted 1/2 cup butter 2/3 cup peanut butter 1 cup firmly packed light brown sugar 1 egg, beaten 1 tsp. vanilla 1 1/4 cups all-purpose flour 1/2 tsp. baking soda 1/2 tsp. salt 1 1/2 cups quick-cooking oats, raw Spray 9x13 baking pan with cooking spray. In a lg. bowl cream the butter and peanut butter. Add the sugar, egg and vanilla. Mix well. In a separate bowl, combine the flour, soda and salt and stir into the peanut butter mixture. Stir in oats. Press 3/4 of peanut butter mixture into bottom of baking pan. Spread chocolate over top. Crumble remaining peanut butter mixture over chocolate. Bake at 350 degrees for 18-20 min. Cool before cutting into bars. Makes 24 bars. Easy Nacho Cheese Dip Serve with assorted chips (tortilla, kettle, veggie). 1/4 cup chopped green onion 1 tbsp. butter 1 8-oz can tomato sauce 1 4-oz can green chiles, drained and chopped 1 tsp. Worcestershire sauce 1 lb. Velveeta cheese, cut into small cubes dash garlic powder In a skillet sauté the onion in butter until
translucent, not brown. Add the remaining ingredients. Cook over med. heat until melted, stirring constantly. Makes 3 cups. Rice Krispie-Cheese “Crackers” These are similar to the lowcountry cheese straws or benne wafers. 2 cups grated sharp Cheddar cheese 2 cups all-purpose flour 1 cup butter, softened 2 cups Rice Krispies cereal 1/4 tsp. cayenne pepper 1/2 tsp. each paprika and salt In a large bowl mix all the ingredients and form into small balls. Place the balls on an ungreased baking sheet and press flat with the back of a fork. Bake at 350 for 10 min. Makes 100 wafers. Nutty Popcorn Remember this recipe for gift giving! 12 cups popped popcorn, unsalted 1 cup whole almonds, toasted 1 cup pecan halves, toasted 1/2 cup each butter firmly packed dark brown sugar 1/2 tsp. salt In a lg. bowl combine the popcorn and nuts and set aside. In a small saucepan melt the butter. Add the sugar and salt and cook about 30 seconds, stirring constantly. Pour the sugar mixture over the popcorn mixture, stirring until evenly coated. Spread the mixture on an ungreased 15x10 jelly roll pan. Bake at 350 for 10 min., stirring only once. Stir in airtight container. Makes 14 cups.
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What’s That You Say???
By Peggy New
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B y D r. K i m b e r l y K i n g
leave hospice care! Tidelands Hospice is the only hospice to have a Nurse Practitioner on staff who is easily and quickly accessible to answer questions, evaluate and assess a patient, prescribe medications and give care and comfort to a patient and family. In addition, Tidelands home care Clinical Leader is a certified hospice and palliative care nurse; another important benefit to choosing Tidelands hospice. Over 250 men and women volunteer for Tidelands Community Hospice. As one of two not for profit hospices in Horry and Georgetown counties and the only one in Williamsburg county, Tidelands was born 23 years ago through the efforts of grassroots volunteers who saw a need and created Tidelands Hospice to fill it. Today these men and women visit with patients, greet visitors to the Hospice House, provide administrative help, and assist with fundraising. They helped make three Good Mourning Day camps available this summer to children who experienced the death of someone they loved. Tidelands depends on these individuals to help carry out our mission of caring for those who are terminally ill. When you chose Tidelands as your hospice, you will have a team of dedicated professionals and volunteers to provide comfort and caring. As a Medicare certified hospice organization, Tidelands abides by all the federal and state regulations; as a not for profit organization, created and maintained
continued on page 31
Are you worried about Mom or Dad? When you can’t be there There is a solution to the discomfort, swelling and appearance of varicose veins that doesn’t involve painful vein stripping. Closure® is a clinically proven, minimally invasive procedure that treats varicose veins and their underlying cause, venous reflux, with little or no pain. Closure patients can walk away from the procedure and be back to everyday activities either at home or at work - within a day. Plus, the Closure procedure is covered by most insurance providers. Put Closure to the pain and appearance of varicose veins. To find out if the Closure procedure is right for you, call us today at:
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Picture a pain free, active lifestyle, and you back in it.
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HEAR’S TO YOU
Make the Best Choice - Choose Tidelands You just received the news that treatment is no longer a viable option for your disease. The doctor suggests calling hospice for care and support. You are handed a list of over 20 names – all licensed hospices in your area. How do you make the best choice for you? Tidelands Community Hospice is one of your choices; the best choice for you and your family. Why choose Tidelands? Several primary reasons are: Tidelands’ Hospice House, Nurse Practitioner, volunteers and community programs. Let’s examine these reasons more closely. In 2007 the N.E. and Ruby Green Hospice House was completed and began accepting hospice patients in need of pain and symptom control, respite and for end of life care. While most of us will prefer to be at home for our final months, there may be good reasons for a brief stay in our Hospice House with 24 hour nursing care. No one enjoys being in pain and for hospice patients this is often difficult – getting and keeping pain controlled so that it doesn’t control their lives. Tidelands staff is expert at finding the medications to do this. Tidelands Hospice House is the first one in our community and is always available for patients, families and friends to come, take a tour, ask questions and discover the number one reason for choosing Tidelands Hospice. Recently a patient was admitted, expecting to spend his last days in the Hospice House. Thanks to the expert care received from the entire hospice team, he was discharged after a week to a local assisted living facility. There is more than one way to
NOVEMBER 2008
• assessment of condition and ability • identification of local helping services • home visits and counseling
Recent studies have confirmed information that has been shared in this column for some time – that continual use of MP3 players and headphones can cause permanent, irreversible damage to a person’s hearing. Reports now indicate that in as little as five years, people who use these devices may have an onset of hearing loss that is clearly avoidable. The worst news is that many of these individuals are young in age. Hearing problems are no longer “an old person’s problem.” Headphones, particularly those which pipe sounds directly and closely into the ear canal have the capability of causing significant hearing loss. The reason for this is that the ear was designed to utilize its unique formation to pick up sound and transfer it into the opening of the ear canal towards the eardrum (tympanic membrane). Using headphones or “ear buds” as they are sometimes referred to, bypass the cup shaped or external part of the ear (helix, antihelix, and lobule) and pump sound directly into the canal very near the eardrum. As the sound passes through the eardrum and into the inner
ear, the small hair like cells of the inner ear can become damaged due to increased volumes of sound that they are required to process. It is sort of like a constant “erosion” of the cells as they are subjected to high levels of sound volume. Many of our young people can be seen listening to MP3 players and other “blue tooth” technological devices. The truth is that the device itself may be ok, but if the volume is accelerated, it can cause severe damage to hearing. As I have been saying for many years, if you are exposed to continuing loud noises, you must wear ear protection. Therefore, if you or someone you know is wearing a headset or ear buds and you can hear the music; it is too loud for them! Remember that hearing conservation is the best remedy for hearing problems. Once hearing loss occurs, it cannot be reversed.
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* See Eagle Crest for incentive details * Must move in by December 1, 2008
For more information about hearing or to schedule an appointment for you or someone you care about, please call my office at 663-HEAR (4327.
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NOVEMBER 2008
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Dr. Neal Shore Receives Additional Membership Accreditation
Using Your Camera Flash to Take Better Photos
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By Lisa Arnel
The Picture of Health Earlydetection detectionisisthe thekey keytotofighting fighting breast cancer. if you want to Early breast cancer. So So if you want to stay stay on top of your game, you should conduct monthly self-exams, on top of your game, you should conduct monthly self-exams, visit your visit your doctor annually a yearly mammogram. doctor annually and have a and yearlyhave mammogram.
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At Conway Medical Center, we now have digital mammography that offers the latest technology to detect breast cancer in even the largest sized breasts. The digital mammogram instantly displays clear pictures of the breast tissue on a high resolution computer monitor – a timesaver which eliminates the need to process film and reduces the need for retakes.
Most people think of their camera’s flash as a way to supplement the available light in a scene. They do not realize that the flash is a useful tool that can turn mediocre images into photos that are exciting and compelling. The flash is especially useful for photographing people. When use properly, it will add to the portrait’s drama and appeal. Flash photography is not simply for indoor use. It is a creative tool for all types of portraits, including outdoors in the shade and with backlit situations. Use the following tips to improve your images while using your flash: • If your flash isn’t adding enough light to the subject, move closer or increase your ISO setting. You can also change your “exposure compensation” (usually indicated on your camera by a (+/-) button). The plus (+) setting will add light to the scene. • Use your flash on bright, sunny days (fill flash). It may seem strange to add more light when it is already so bright, but the flash actually evens out light and makes colors pop. Fill flash should be used in bright situations where sunlight casts harsh, dark shadows on your subject’s face. The flash will lighten the shadows and allow you to see more detail. • Backlighting occurs when the background is much brighter than the light on your subject’s face, such as a person standing in front of a window or sunny sky. Use your flash to illuminate the front of the subject, otherwise your camera will meter the background, and your subject will be too dark. • Using a flash in the shade will help make the subject “pop” out of the background, making the subject the more dominant element in the photo. In order to have creative control with your flash, it is best not to use the “full auto” mode on your camera (usually indicated with a green or red box). Set your camera to Program (P) mode or one of the other metering modes offered. Remember, don’t be afraid to experiment with your settings and most of all, have fun! Lisa Arnel, Mudpie Photo Work www.mudpiephotoworks.com 843-274-9753.
Dr. Neal Shore, of Atlantic Urology Clinics was recently selected for membership to the Genitourinary Cancer Scientific Steering Committee (GUSC) of the National Cancer Institute (NCI). The GUSC functions to harmonize an efficient, cost-effective, sciencedriven and transparent process that will identify and promote the “Best Science” in GU cancer clinical research. #$!# ).45 '0-(6./3177&*.9587 ! % !" % The GUSC is one of several disease-based steering committees formed to implement the
recommendation of the Clinical Trials Working Group (CTWG). The Steering Committees are designed to provide comprehensive analysis of proposed clinical trial concepts and facilitate the sharing of ideas among a broad range of clinical, basic and translational scientists, NCI staff, Community Oncologists, Urologists, Radiation Oncologists and patient advocates in the development of those concepts. Dr. Shore is a member of Atlantic Urology Clinics as well as CURC (Carolina Urologic Research Center). He can be reached at (843) $&!# ,+ ,.21 ! 839-1679 and is located at 823 82nd Parkway, Suite B in Myrtle Beach.
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Neal D. Shore, MD, FACS, CPI is the Director of Carolina Urologic Research Center (CURC) in Myrtle Beach. Over the last ten years, he and his research team have participated in over 100 cutting edge research trials, which have made a significant impact in the treatment of patients with advanced prostate cancer, BPH (enlarged prostate), overactive bladder, bladder cancer, urinary incontinence and sexual dysfunction. Dr. Neal Shore’s dedication to conducting clinical research has improved and enriched the lives of many people in our community and has also contributed to the advancement of healthcare in the US and throughout the world. Many of the medications, therapies, and devices CURC has studied are now FDA approved and accepted for ongoing patient clinical care. For more information about the medical advances /trials taking place in our very own community, or to schedule an interview with Dr. Shore, please call Carolina Urologic Research Center (843) 839-1679,or Grand Strand Urology (843) 449-1010.
Dana Jackson, CID
At Conway Medical Center, we have two digital mammography machines, which will enable our staff to arrange a prompt appointment at your convenience. And, we are the first ISO Certified mammography facility in the state of South Carolina. Call us today at 234.5474 to schedule your digital mammogram.
www.conwaymedicalcenter.com
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This technology also records and stores your current images so that when you return for your next mammogram, your doctor can meticulously review the pictures side by side to pinpoint any differences that may occur. And best of all, digital mammography typically offers women a more comfortable experience than ever before.
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Five Myths About Foot Care
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By Dr. William Parker
To us, non-healing wounds are just wounds that haven’t healed yet…but they will. Healing hard to heal wounds is our specialty. Georgetown Hospital System's NextStep Wound Healing Center brings together the latest technology and the most caring staff of wound experts to prove that “non-healing” wounds can heal! Call us or ask your doctor for a referral and let us show you how to reclaim your life.
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“Don’t cross your eyes, they’ll stay that way!” Old wives’ tales and myths like that example are fun to laugh at. We believed them as children. “Step on a crack and you’ll break your mother’s back.” But there are other myths that are no laughing matter, especially when they involve your health. From bunions to broken toes, foot and ankle surgeon Dr. William Parker, DPM has heard it all. Dr. Parker treats patients at Conway Podiatry Center. He shares five myths about foot care and the realities behind them. Myth #1: Nothing can be done for a broken toe. Reality: 19 of the 26 bones in the foot are toe bones. “What I tell patients is, there are things we can do to make a broken toe heal better, faster and prevent problems later on, like arthritis or toe deformities,” Dr. Parker says. Many long term problems can be avoided by setting a broken or dislocated toe in a simple painless office procedure. Broken toes that aren’t treated correctly can also make walking and wearing shoes difficult. A foot and ankle surgeon will xray the toe to learn more about the fracture. Some severe fractures of toes may require surgery. Yes, your broken toe will heal on its own. The important question is “how will it heal?” Myth #2: My foot or ankle can’t be broken if I can walk on it. Reality: It’s entirely possible to walk on a foot or ankle with a broken bone. “It depends on your threshold for pain, as well as the severity of the injury,” says Dr. Parker. But it’s not a smart idea. Walking with a broken bone can cause further damage that could lead to surgery or permanent pain. It is crucial to stay off an injured foot until diagnosis by a foot and ankle surgeon. Until then, apply ice and elevate the foot to reduce pain. Myth #3: Shoes cause bunions. Reality: Bunions are most often caused
by an inherited faulty mechanical structure of the foot. It is not the bunion itself that is inherited, but certain foot types make a person prone to developing a bunion. While wearing shoes that crowd the toes together can, over time, make bunions more painful, shoes themselves do not cause bunions. Although some treatments can ease the pain of bunions, only surgery can correct the deformity. Myth #4: Cutting a notch (a “V”) in a toenail will relieve the pain of ingrown toenails. Reality: When a toenail is ingrown, the nail curves downward and grows into the skin. Cutting a “V” in the toenail does not affect its growth. New nail growth will continue to curve downward. Cutting a “V” may actually cause more problems and is painful in many cases. Myth #5: Corns have roots. Reality: A corn is a small build-up of skin caused by friction. Dr. Parker says many corns result from a hammertoe deformity, where the toe knuckle rubs against the shoe. The only way to eliminate these corns on a permanent basis is to surgically correct the hammertoe condition. Unlike a callus, a corn has a central core of hard material. But corns do not have roots. Attempting to cut off a corn or applying medicated corn pads can lead to serious infection or even amputation. A foot and ankle surgeon can safely evaluate and treat corns and the conditions contributing to them. Dr. Parker says that he spends a lot of time with patients having to debunk these and many other false ideas about health conditions. There is an old saying that “knowledge is power.” Knowledge can also be the key to comfort and a better quality of of life when it comes to your health. To make an appointment with Dr. Parker, contact his office at (843) 234-9100 or visit his Web site at www.ConwayPodiatry.com or www.CarolinaCryosurgery.com. For additional foot care myths, visit the American College of Foot and Ankle Surgeons’ consumer Web site, FootPhysicians.com.
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How to keep warm at night without feeling guilty Rising energy costs have Americans rethinking traditional, renewable heat: Wood! By Tom Parks
NOVEMBER 2008
illegal because of air pollution. A. Typical prefab or manufactured woodburning fireplaces, which have been common in new homes for the last three or four decades, are illegal in parts of Colorado, California, Oregon and Washington (and more places all of the time) because of the production of smoke associated with uncontrolled burning. Open woodburning fireplaces are also not allowed in Energy Star homes or in the NAHB (National Association of Home Builders) Green Building program either, so we might see the master building codes make them illegal soon. That being said, EPA-rated woodburning appliances – fireplaces, inserts and stoves – are allowed in all of those places and do not significantly add to air pollution. Some describe efficient wood burning as “carbon neu-
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tral” because burning wood efficiently releases as much CO2 to the atmosphere as letting the same tree decay on the forest floor. Q. What about wood pellets? I’ve heard a lot about them from my friends up north. A. Wood pellets are a very “green” alternative to burning cordwood. Pellets are made from reclaimed waste products and burn very cleanly with little ash, so they are ecologically smart in several ways. One of the downsides to using pellet fuels in our climate is that the appliances are designed to operate – burn – at optimum rates to maintain the efficiency, and, generally, it doesn’t stay cold enough here in the coastal Carolinas to be able to operate pellet stoves continuously at these rates. The other disadvantage – and this is subjective – is the fire is not as pretty as a
typical wood fire. All that being said, wood pellets and other “biomass” fuels like cherry pits, corn, coffee husks, etc., are coming on strong as options to fossil fuels or electricity for heat. Q. I’m not sure if I am ready to go back to burning wood just yet, but I’d like to get more information. Where do I go? A. Your best bet is to have a conversation with a National Fireplace Institute wood specialist to discuss your situation and your options. You can find a local professional at www.nficertified.org You can also learn more about fireplaces in general at the official Hearth, Patio & Barbecue website: www.hpba.org Tom Parks is the answer guy at Coastroad Hearth and Patio. He is an NFI wood and gas specialist and an instructor for the Hearth, Patio and Barbecue Education Foundation.
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Here in the mild-wintered South, we don’t face the harsh temperatures that our northern neighbors do, but we still like to feel cozy in our homes. Economic concerns are causing a growing number of homeowners to rethink an old favorite, wood. Here are some frequently asked questions and answers that might help you to face the uncertain times ahead with an informed viewpoint. Q. Why would I bother to heat with wood? It’s so messy and inconvenient. A. Wood is a 100% renewable, local resource, and if you are like a lot of folks around here and you occasionally lose a tree to high winds, you might just have some free energy lying around the yard already. If you are not the type to cut and stack wood yourself, you may be able to convince some teenage boys that cutting, splitting and stacking wood build muscles and character, which are characteristics lacking in the video-gaming, text-messaging youth of today. The quality of heat from wood is much superior to the tepid air coming from a typical heat pump. And, if you burn good, dry, seasoned wood in an efficient woodburning appliance, there is very little ash to clean up. Done right, burning wood has many advantages. Q. I prefer a big, open fire to closed glass doors on my fireplace. Is there a way to get some good heat efficiency with an open fire? A. In short, no. Sorry. Here’s the long version: with an open fire, as the wood fire burns and builds up a good ember base, you will get some nice radiant heat right in front of the fireplace. Unfortunately, at the same time, a properly drawing fireplace will pull large volumes of warm room air toward the fireplace and up the chimney. We generally rate the net efficiency (gain minus loss = net efficiency) of an open fireplace at zero to ten percent. On the other hand, EPArated fireplaces, inserts and stoves can have efficiencies of seventy percent or better. Q. What about the environment? I’ve heard that some places have made wood fireplaces
C
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NOVEMBER 2008
BY Suzanne Swearengen, DOM, AP
Europe’s River Cruises Offer Value For Dollars By Marianne Levenson The all-inclusive European river cruises along the Rhine or the Danube are fast becoming the top travel destination. Having experienced this for the second time this spring, I can honestly say a European River cruise is hard to beat! My most recent experience was on the beautiful Rhine River beginning in Basel and visiting the cities of Strasbourg, Speyer, Heidelberg, Mainz, Rudesheim, Cologne, and ending in Amsterdam. Because the boats rarely carry more than 200 people - - 10 times fewer passengers than the average ocean liner - - river cruises are much more intimate and less frenzied. The main activities on board are low-impact sightseeing and relaxing on deck. You stop every day, usually for the entire day, in a historic European city. The cities themselves are usually not the major capitals except, perhaps, for the starting or ending cities. The major plus of a riverboat is that it pulls right into the middle of the well-preserved, medieval towns. Being able to explore the smaller towns and villages gives you a terrific feel for the Old World and in my opinion, are the best examples of traditional European life. You simply wander into the center of town which is only a short walk away. Although we had to change some dollars into Euros for tips to the riverboat staff and souvenirs, we otherwise spent very little beyond the basic cost of the cruise and airfare. Our cruise included three full meals daily, all of our shore excursions with knowledgeable local guides, and unlimited wine with dinner. The wines were of the region we were visiting; it was wonderful to try new and different varieties. You’ll be fed well, and the food is fabulous. We especially enjoyed the wide variety of choices and the local cheeses and breads. The sit-down dinner was of gourmet level prepared by an accomplished ship chef and his staff. There are no casinos on board the European river ships, and the clientele aren’t the kind who crave casino life. Nor are there any lip-synched, Las Vegas-style evening shows. On our ship, the Avalon Tapestry, the entertainment was provided by a wonderful pianist and singer, as well as local entertainers. The average passenger is educated, well-traveled, and over the age of 55. Families with children are uncommon, and some lines don’t even allow anyone under 12 on board. Avalon Too many times women say “I haven’t gotten my Waterways caters to the mammogram done in years because I keep forgetting.” Conway Medical Center has recently added a North American market; Mammogram reminder component to its website – therefore, crews on all www.conwaymedicalcenter.com All you need to do ships speak fluent English. is click on the pink ribbon at the top of the home page Unlike operators which are and you will be taken to our digital mammograbased in Europe and attract phy web page. You will then click on the pink ribbon again and enter the month your mammostly European passenmogram should be scheduled (If you don’t gers, you will be able to know, ask your doctor. You will also need to communicate with everymake sure you have your doctors order for one. The peak seasons are this when you schedule your actual appointment.), late spring and early fall, enter your email address and a reminder notice will be sent to you at the beginning of the month when when temperatures are neiyour mammogram should be scheduled. In this busy ther too hot nor too cold. world of ours, we’ve tried to make it easier to Marianne Levenson, “Bring Better Health to Your Life!” CWT/Thomas Hogan Travel, 1801 Oak Street, Myrtle Beach, SC 29577 843-626-9998
The war veterans of our country play a special role in our society. They are seemingly ordinary citizens doing a job to preserve the integrity of our freedom and safety. As a military brat, I have a unique perspective, and would like to point out that our military personnel are performing much more than just a job. It is a lifestyle, which demands sacrifices that go far beyond fighting and representing the United States. My father is a veteran who served two tours in the frontlines of the Vietnam War. He was shipped out while my mother was pregnant with their first child. When my sister was born, he was able to see her for a few hours before being returned to the ongoing war. When the war ended, my father, like many, was a different person. His sense of humor had changed and he was no longer the life of the party that my mother had married. I have witnessed this personality transformation in friends who served in other wars since. As a healthcare professional I understand this to be a direct effect of stress, exposure to toxins, and a com-
promised living environment. This is a small taste of what military life entails during a time of war. In times of peace, there are still issues that arise. Families endure frequent moves, often with little notice of when or where one will be sent. Sometimes families are separated for extended periods of time. Death or serious injury is always a possibility. There is a positive side to military life. It can be exciting to live in other areas of the world. Being stationed in Germany throughout my childhood was a blessing to me. I feel that I had the best of both worlds. A special “Thank You!” to all Veterans and Military personnel who helped make that possible. If you cross paths with an individual in military uniform, take a moment to thank them for their service and sacrifices. It only takes a second and it could change a life. Suzanne Swearengen, DOM, AP is a board certified, licensed Acupuncture Physician. In her work, she strives to provide compassionate care for individuals seeking holistic solutions for ailments, illnesses, and maintenance of good health. Specialties include sleep issues, digestive disorders, and stress management. For information or an appointment please call the Alternative Healthcare Clinic at (843) 3475445 or 692-9243.
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THAT FIVE LETTER WORD Joyce Calabrese RN, MS
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The article that follows was written last year to celebrate National Hospice and Palliative Care Month 2007. Since that article, another friend has come into our hospice family…this friend
with cancer. I pray he “graduates” from hospice as many times, our patients get better and “flunk” hospice and need to be discharged. But…. That five letter word, DEATH, overcomes us all at some point. How we deal with it, matters. It matters to the one dying, and to their loved ones. Hospice helps “when life matters most.” Please read on. My friend is dying. I tell myself
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we all die… someday. But this one hurts. Really hurts. Mr. Ciotti is an older gentleman who has been sickly for many years. However, he is not yet ready to die. He wanted to die at home, but he can’t go home. Not because of his physical needs, but because of his emotional and safety needs. He must stay in the hospital…in a sterile environment where he is called “Mister” and his spouse of the last two decades is not recognized as his legal wife. A major erroneous assumption was made during the admission process because the wife retained her first marriage surname. Consequently, the wife was listed as “friend”, not spouse. Mr. Ciotti’s daughter from his first marriage (first wife died) and her family are also present. The wife and daughter don’t communicate. The daughter doesn’t recognize the wife as the legal decision maker for her father. And because of the admission error, the hospital staff doesn’t address, nor recognize, the wife as the legal guardian, either. The daughter and wife cannot come to an agreement as to what the next steps should be regarding Mr. Ciotti’s care and future. Each one is
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PA G E 2 4 vying for the patient’s attention and love rather than honoring his wishes. The doctor brings the patient back to reality from his pain-reducing induced sleep to talk about his wishes. Mr. Ciotti says he doesn’t want to die yet because there is too much left undone. I understand what he means, but I fear the family doesn’t understand. He cannot go home as he requested. Years of antagonism and disrespect have come to a head. This is not the time when resentment should be present while their loved one is dying. But both parties are so tired and overwhelmed; they don’t listen; they’re filled with anger; they don’t hear, nor do they want to hear any reasoning to help get through their difficulties. Mr. Ciotti has no Living Will. No one knows what his wishes are: who should be making healthcare decisions for him when he is no longer lucid; does he want a feeding tube and CPR; what type of funeral arrangements would he prefer; how does he want people to remember him; who does he want to forgive, etc. If you are familiar with my article on Advanced Directives and the Five Wishes, you are familiar with the issues addressed by these legal forms. Mr. Ciotti has a will that stipulates division of his financial assets, but his emotional needs are not being acknowledged. I have learned so much because of my friends. They don’t realize it, but they have helped me realize that I must avidly campaign so that all of us have our Living Wills drawn up long before we actually need them. Since November is National Hospice and Palliative Care Month, Regency Hospice has adopted the crusade of educating the community about Living Wills. If you want further information on this, call the Regency Hospice office at 843-651-2335. We have a limited number of the Five Wishes document. Celebrate life by completing this form for yourself and for your loved ones. Joyce Calabrese RN, MS, Executive Director, Regency Hospice “When Life Matters Most” 651-2335
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Conway Medical Center (CMC) Auxiliary 5th Annual “Love Lights” Fund-Raising Campaign Beginning November 1, 2008 What are “Love Lights”? It’s your opportunity to honor or memorialize loved ones this holiday season. A donation of $5 or more will light one light on the Holiday Memory Tree to honor or memorialize a loved one. Your donation supports the HEALTHREACH MAMMOGRAPHY PROGRAM for low income/noninsured women. Did you know South Carolina ranks 25th in the nation for deaths from breast cancer and has one of the highest rates of uninsured women in the nation? The CMC Auxiliary asks you to partner with us in the fight against breast cancer. Please help light up the Holiday Memory Tree. A holiday card with your name is sent to the person honored, or in the case of a memorial, to a named person. The honored/memorialized person’s name is recorded in the “Love Lights” Remembrance book.
Stop by the tree lighting ceremony to be held on November 25th at 6pm in the main lobby of the Conway Medical Center and take a moment to see you
loved one’s name in the Remembrance book. Refreshments will be served.. This is a gift that truly keeps on giving by honoring/memorializing your
loved ones and supporting the HEALTHREACH MAMMOGRAPHY PROGRAM. It would be great to honor your spouse, parents, children, grandchildren, friends, neighbors, co-workers - just about anyone. A light to memorialize the loss of a loved one will keep them close to our hearts during this season. Forms are available in the main lobby of Conway Medical Center. For more information, please call 843-234-5469.
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to the treatment of venous disease, Dr. Karl Hubach is the only physician in our area Board Certified in Phlebology and one of only 248 in the country.
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NOVEMBER 2008
PROBATE 101
Subject Matter Jurisdiction By Deirdre W. Edmonds, Horry County Judge of Probate
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Self-Actualization means finding that dynamic, happy person who lives inside of you. Depression, anxiety, addictions, and patterns of abuse do not have to run your life. Compassionate counseling based on 20 years of experience. 843-272-4114
When discussing our court or judicial system, one important matter that is often addressed is the issue of subject matter jurisdiction. Subject matter jurisdiction is that essential element that says what kinds of cases a particular court handles. It is the authority or power granted to the court by the constitution and laws of a state to hear and determine cases of a general class or subject matter. A court must have jurisdiction or authority over a particular type of case in order for the matter to be handled or heard by that court. In terms of our judicial system in South Carolina, criminal matters are generally handled in criminal courts and civil matters such as contract disputes, personal injury matters, and other disputes between private citizens are usually handled in civil court. Matters such as divorces and child custody issues are handled in our family courts. We also have a magistrate’s court system in our state, often referred to as small claims court, traffic courts, and other administrative types of courts. Included in South Carolina’s court system is the Probate Court. Like most other
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courts, the Probate Court has limited jurisdiction or authority and can only handle or hear certain, specific types of cases. In addition to handling only certain types of cases, South Carolina law also provides that certain types of cases must be initiated or commenced only in the Probate Court and nowhere else. That is, you cannot go to another court such as family, civil, or magistrate’s court to file your lawsuit or case if it must be initiated in the Probate Court. The following types of cases must be initiated or commenced in the Probate Court: 1. Matters involving estates of deceased persons. – These matters include cases to contest a person’s last will and testament, cases to construe or determine what a person’s last will and testament means, cases determining a deceased person’s heirs, disputes regarding what property a deceased person owned at his or her death, how a deceased person’s assets and property are to be divided among their heirs, and who has authority to handle a person’s affairs and estate after their death. Also included are matters involving the administration of a deceased person’s estates. 2. Matters involving incapacitated persons. – These matters deal with adults who are unable to handle their financial and/or personal affairs or make decisions for themselves because of mental illness or mental deficiency, physical illness or disability, advanced age, chronic use of drugs, including alcohol, or other debilitating causes. Such persons may need the appointment of a guardian and/or conservator to handle their personal affairs or the Court’s approval for certain things to be done for these persons or with their property. 3. Matters involving estates of minors. – These matters deal with minors who receive money or property as a result of inheritance, injury or through other means. If the money or property generally exceeds $10,000, a family member or adult must be appointed by the Probate Court to handle the money or property until the minor reaches the age of 18. In addition, if a minor inherits or receives an interest in real property, such property cannot be sold, transferred or mortgaged without the approval of the Probate Court. 4. Matters involving the internal affairs of trusts. – These matters include trusts set up during a person’s lifetime or at death
and include determining what the trust means, who is entitled to the trust, what property is included in the trust and who is to mange the trust. (The Probate Court has concurrent jurisdiction with the circuit court over proceedings concerning the external affairs of trusts.) 5. Matters involving involuntary commitment of persons. – These matters involve persons who are suffering from mental illness, mental retardation, drug and alcohol addiction, and pulmonary tuberculosis and who must be committed by the court against their will for involuntary inpatient or outpatient treatment. In addition to the foregoing matters of exclusive original jurisdiction, the Probate Court also has concurrent jurisdiction with the circuit courts over certain matters involving wrongful death settlements, personal injury settlements for minors, and matters involving powers of attorney. These matters can be brought or commenced in either the Probate Court or the circuit court. Another matter, although primarily administrative, handled exclusively by the Probate Courts in South Carolina is the issuance of marriage licenses for persons to be married in South Carolina. The Probate Court also is charged with recording and indexing marriages in the County. Like many other areas of our country, Horry County has exploded in growth over the last fifteen to twenty years in terms of population and also as a vacation destination. Given the jurisdiction or types of cases and matters handled in the Probate Court, our Probate Court has experienced this county’s tremendous growth in the number of estates administrations handled each year, the number of cases filed in our Court each year and in the number of marriage licenses issued each year. We can only surmise that as this County continues to grow, so will the caseload in the Probate Court. (The information provided in this article is for informational purposes only and is of a general nature. The information should not be construed as legal advice. If you have any questions about the subject matter of this article or related matters, you should consult with a professional advisor for advice. The Horry County Probate Court is located in the Horry County Government and Judicial Center, 1301 2nd Avenue, Conway, South Carolina. The telephone number for Judge Edmonds and the Court is (843) 915-5370. Office Hours are 8:00 A.M. to 5:00 P.M. The Horry County Probate Court also has two (2) satellite offices: In Little River at the Ralph Ellis Building, Corner of Highway 9 and Highway 57, Little River, South Carolina; (843) 915-5372. At the South Strand County Complex, off Holmestown Road at 9630 Scipio Lane, Surfside Beach, South Carolina; (843) 915-5371; Satellite Office Hours are 8:00 A.M. to 12:3O, 1:30 P.M. to 5:00 P.M., Monday through Friday; Tuesday until 3:30 P.M)
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HealthCare AT A G LANCE ALTERNATIVE MEDICINE Alternative Health Clinic M.B. 692-9243 AUDIOLOGISTS Advanced Audiology NMB, MB, Loris Surfside Beach, Conway 1-866-369 HEAR (4327) Hearing Health Care M.B. 497-6156 Conway 488-2717 BREAST HEALTH Coastal Carolina Breast Center M.I. 651-3308 DIABETES GSRMC Diabetes Self-Management Program Mary Ellen Scarborough, 692-9526 HOME HEALTH CARE Caregivers of South Carolina $11.50 hr. $125 live-in rate Horry/Georgetown 347-6440 HOSPITALS Brunswick Community Hospital (910)755-8121 Conway Medical Center 347-7111 Georgetown Memorial Hospital 527-7000 Grand Strand Regional Medical Center 692-1000 Loris Community Hospital 716-7000 Marion Hospital 431-2000 Waccamaw Community Hospital 652-1000 INFUSION SERVICES Responsive Solutions Inc. M.B. 843-497-5433 Toll-Free 800-494-9229 OPHTHALMOLOGY Carolinas Centers for Sight M.B. 449-7115 Geo. 546-8421 Little River 280-8779 Florence 664-9393 Murrells Inlet 652-3937
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By Kathy Foxworth, LITUS* Properties
May 8 - 17, 2009 Cat. B: $4665.00 ...Cat. A: $4715.00 ... Cat. P: $4815.00
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Price includes: Roundtrip airfare from Myrtle Beach, one pre-night in Amsterdam at the Renaissance Hotel located in the city center, breakfast, guided sightseeing in Amsterdam including the tulip fields and the Anne Frank House, 7 night Rhine River cruise with guided sightseeing in each port, transfers throughout, cancellation insurance, and all taxes.
Easy N0-BAKE Caramel Cream Pie
used Eagle Brand)
(Make it even easier...look in the Mexican section for small cans of precaramelized sweetened condensed milk.... It’s called Dulce la Leche. This does not need to be cooked because it’s so thick...just pour it into a pie shell and pop in the fridge overnight.)
Microwave: Pour condensed milk into 2-quart glass measure. Microwave on 1/2 power MEDIUM for 4 minutes, stirring after 2 minutes. Reduce to 1/3 power (LOW); Microwave 12 to 16 minutes or until thick and light caramel colored, stirring briskly every 2 minutes until smooth. Cool. Chill.
One Chocolate Pie Crust Homemade or Store bought. 2 Cans Sweetened Condensed Milk 1 Tub Cool Whip Toppings of Your Choice (Oreo’s, Heath Bar Bits, etc) Caramelize the condensed milk. Pour into crust. Refrigerate. Top with Cool Whip and Toppings! To Caramelize Condensed Milk: (we
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Stovetop: Pour condensed milk into top of double boiler and cover. Place over boiling water, over low heat; simmer one to one and a half hours or until thick and light caramel colored. Beat until smooth. Cool. Chill. This is a RICH, FABULOUS, SIMPLE DESSERT!
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SURGICAL SPECIALIST
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Dr. Steven A. Matzinger
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Ten Questions You Must Ask a REALTOR Before You List or... You Could Lose Big!
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Part 1 Most of us sell only a small number of homes in our lifetimes. With limited experience in real estate how are we to be capable of maximizing the profits from our home sale? Many home sellers make the critical mistake of thinking all REALTORS or licensed real estate agents are the same. They list with the first agent who comes along. Does it make good business sense to put the responsibility of selling your home with someone who has no plan or qualifications? This special report will educate you with valuable information that will help you make the best decision concerning: Which REALTOR or real estate agent should you list with? Start by doing a few hours of research. Ask around... get to know who has the most signs, ads and marketing material in your neighborhood. Who’s the most active REALTOR or agent? Compile a list of REALTOR or agent names and use these questions to help you determine which agent is right for you. 1. Could you send me some information about yourself? You can often get a good idea of which REALTOR or agents are the most professional by looking at their promotional materials. If their own materials aren’t professional, how well are they going to market your home? Track how long each agent takes to respond to your request and how quickly they follow up. If they don’t respond efficiently to your listing requests imagine how they’ll handle potential home buyers. 2. How many homes have you listed and how many homes
have you sold in the last six months? - Look for an agent who has experience with homes similar to yours and is active in your area. If your home has special features look for an agent with experience in those areas. Your REALTOR or agent should have a good record of selling homes, not just listing them. After all, this is your ultimate goal. 3. What is your average length of time from listed to sold? Don’t automatically assume the shorter time on the market the better. That could reflect selling homes quickly at lowball prices. Look at what the asking price was compared to the selling price. The REALTOR or agent who sells close to the asking price and quick is effective at helping clients determine the right price and helping them get it. 4. How long have you been in business and what professional organizations do you belong to?-The length of time that a REALTOR or real estate agent has been licensed is not a sure fire sign that they’ve been an active seller. They may have been in business for 10 years but only part time, whereas the REALTOR or agent who’s been in business for 2 years may be a real top producer. So take into account what professional organizations they belong to. The minimum should be a licensed professional who’s a member of the local real estate board and Multiple Listing Service as well as the state and National Association of REALTORS. Local community groups and associations are also pluses in terms of networking and commitment. Next month Part 2 questions five (5) to ten (10) We sincerely hope these tips and ideas are of value to you. If there is any way we can be of service please contact our office. We would consider it a privilege to be of service to you! If you would like a FREE consultation call our office at: 843-449-9000.
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CMYK
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NOVEMBER 2008
SeniorSuper Store
How to Cut Seniors’ Healthcare Costs
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his is an example of the free health resource we provide to visitors of the Community Room of www.SeniorSSuperStoreS.com in an effort to keep baby boomers, seniors and the elderly informed of matters that can affect their lifestyle. We thank our friends at Fitness and Freebies for contributing to this article. At www.FitnessAndFreebies.com you will find fitness products for seniors provided by a fitness and nutrition expert! The site features nutrition, health, diet, and fitness tips, spe-
cial dietary and tempting recipes, articles, and FREE E-Cookbooks - all Dedicated to your health! If you are a baby boomer, a senior, or a senior citizen, you can use the following tips to reduce both your costs of healthcare and your need for it. When sick: 1. Learn your body. Get a baseline physical. Consult with your doctor to know what your body’s weaknesses are. 2. Be an active patient. Think of your doctor as the coach—one who
Gerald Tiller, MD, Richard DeChamplain, MD , Carole Young, MD, Walter Mayo, OD John Hazelton, MD, Gail Royal, MD, Frank Sloan, MD, Charles J. Doering, MD For over a quarter century, Coastal Eye Group, PC has been serving the Grand Strand with a comprehensive range of medical and surgical Eyecare. Our team of professionals includes board-certified ophthalmologists and optometrists offering the latest in Laser Vision Correction with subspecialties in corneal diseases and glaucoma. Our broad-based Eyecare is convenient with four main offices and one certified ambulatory surgery center.
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needs 110% from you. It is your job to get well, not your doctor’s job to heal you! 3. Become an expert. Always investigate anything your doctor tells you. If your doctor says you have heart disease, get at least five books on heart disease and study them. To stay healthy: 1. Watch your diet. Keep it simple and basic. The low-fat fad will pass, because such diets do not work. What you need to do, instead, is stay away from foods that are highly processed (your body does not work well with them), deep-fried, or high in sugar. Bear in mind, most flour products are so over-refined, they are almost like sugar pills—and they will drive your insulin level sky-high. 2. Exercise regularly. This is where many people cut too many corners. Take the stairs instead of the elevator. Go for walks after supper. Stay away from that television. Get some free exercise information plus excellent equipment to help you get in shape and stay in shape. 3. Sleep regularly. This means no weekend binges; your body takes a long time to adjust to schedule changes. The bi-annual “daylight
Answer To Super Crossword
wasting� clock change that takes place in much of the world is terrible in terms of health. But, it’s not as bad as chronic late nights and sleep ins on weekends and holidays. Stick to your sleep schedule, and you will have more energy and better health. If sleep is a mystery to you, then maybe you should study a book about sleep. 4. Find a purpose. Many people die from spiritual emptiness—a common event within a year or so of retirement. Spirituality is not an automatic result of participating in religious activities—you must pursue this in its own right. One way is to volunteer some time to a charitable organization and become passionately involved. There are many other ways—seek, and you shall find. If you want to seek more quickly, you can find a book or two on spirituality to get you going. 5. Be happy. This doesn’t happen accidentally; you need to work at it. Take care of the important things in your life. Identify your stressors, and reduce or eliminate them. Look for the good in others. Need a quick laugh? Check out the “Stress, Humor and Aging� selection of humorous aging articles in our Free Health Resources at www.SeniorSSuperStoreS.com. Or go see a funny movie; rent or buy a funny movie. 6. Get outside. Walk in a park; ride a bike. Just don’t get too much sun— this ages your skin and can lead to a host of other problems. If you do get sick, do two things: 1. Learn as much as you can about your illness. Ask your doctor for resource information. 2. Get a second opinion. Compare the two, and find out why each doctor thinks as he / she does. The old adage that “data is knowledge and knowledge is power� hold true here; the more data and knowledge you can obtain about your body and health, the more you can influence your health! Go to, www.SeniorSSuperStoreS.com.
Dr. Jeff Horowitz
IT’S DENTAL Q & A TIME! I wanted to use this month’s article to say “Thank You� to all of you who read these sometimes long-winded articles. I have had such great feedback from patients who have called, e-mailed or pulled me aside to say that they have found the information to be very helpful. Over the years, I have noticed that it is usually the same questions that repeatedly pop up. With that in mind I thought it would be useful to answer several dental questions. 1. What is the difference between white and silver fillings? There are several reasons why white or teeth colored filling materials (composites or ceramics) are now superior to silver fillings (amalgam). First and most important, composite fillings and ceramics actually bond to, and become part of the tooth. Therefore, it is possible to fill cavities when they are small, before they penetrate deep into the tooth, and they do not expand or weaken the tooth. Also worth mentioning is how great they look! Silver fillings, or amalgam on the other hand does not stick or bond to tooth structure and we have to remove extra tooth structure just to hold them in. We could not fill cavities too early, because if the filling was too thin it would fracture. The worst property about amalgam is that it continues to expand with age. This is a major cause of tooth fractures, as enamel does not have the ability to expand. As a rule, silver fillings weaken teeth. Don’t get me wrong, for the last 80 years or so, amalgam was the best we had, and in fact, there are still some rare cases when it can still be used. These days, composite and ceramics are by far, the superior choice. 2. What is the difference between Bonding and Veneers? Bonding is an old term for directly placing white filling material (composite) over the front teeth to reshape them as well as change the color. Veneers are
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thin shells of ceramic that are created at a dental laboratory and are customized for your smile. These thin shells or Laminates are then bonded to the front surfaces of the front teeth and can also change the shape, size, color and alignment of these teeth. Both procedures can dramatically improve your smile. The difference; While bonding (direct composites) may be less expensive initially, the repair and replacement factor is greater with these restorations. The composite is not as dense as the ceramic veneers are, and therefore, will stain much faster under the same conditions. The direct composite is also not quite as strong, so chipping is also more common. Ceramic Veneers will also hold their polish longer. There are indications for both, but as a general rule, I prefer to treat multiple teeth with veneers. Dr Horowitz is a 1991 graduate of The Medical University of South Carolina, College of Dental Medicine and completed a General practice residency at the Mountainside Hospital In Montclair, N.J. He is a Fellow of the Academy of General Dentistry as well as a member of the American Academy of Cosmetic Dentistry, the American Orthodontic Society, and The American Dental Association. He is the owner and dentist at the Carolina Center for Cosmetic and Restorative Dentistry at 1515 9th Ave., Conway, S.C. He can be contacted at (843) 248-3843 or via the practice website. www.carolinacosmeticdental.com
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Financial Focus
MILLNER ESTATES APARTMENTS
Elder Law
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Scary Investment Moves Can Lead to Frightful Results
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By Carl Oberer
For Appointment And Gate Access Call
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Now you can read Transitions News Magazine online at www.Transitions.sc. Check out Parent News at www.ParentNews.sc. and South Carolina Woman Magazine at www.scwoman.sc
As we approach Halloween, you’ll spot many ghouls, ghosts and graves, which you probably will find more amusing than frightening. However, whether it’s Halloween or not, you can encounter things that truly might threaten your future well-being — such as scary investment moves. Here are a few of these “terrifying tactics” you’ll want to avoid: Investing too conservatively — When most people think of making investment mistakes, they’re probably worried about investing too aggressively. And, of course, you don’t want to take unnecessary risks. But what you might not realize is that “playing it safe” can be just as dangerous to your long-term goals. If you consistently put most of your investment dollars into fixed-rate vehicles, such as Certificates of Deposit (CDs) and Treasury bills, you might not even earn enough to stay ahead of inflation, much less achieve the growth you need to pay for a retirement that could last two or three decades. Consequently, you will need some exposure to growth-oriented
27” WEB-100
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vehicles, such as stocks. While it’s true that stock prices will fluctuate, and you do risk losing some or your entire principal, you can lessen this risk by purchasing quality stocks and holding them for the long term. Timing the market—Too many people jump in the market when they think it’s going up and get out when they feel it’s going down. But it’s impossible for anyone to really predict market highs and lows — and if you base your investment decisions on this type of “market timing,” you could end up hurting your progress toward your financial objectives. For example, if you stop investing when you think a slump is coming, but the market quickly turns around, you’ll miss the opening stages of a rally, when the biggest gains are often recorded. Over-reacting to bad news — Wars, corporate scandals and natural disasters, among other occurrences, often send investors scurrying to the sidelines, convinced that the bad news will lead to a severe market decline. Typically, though, any decline following a significant, negatively perceived event, is short-lived, and, in many cases, the market recoups its losses and moves to higher levels within a matter of months. Chasing “hot” stocks — You can get stock “tips” from everyone — friends, neighbors, magazines, the Internet, talking heads on television and so on. Some of these tips come from well-informed sources, while others do not, but they all have one thing in common — they’re essentially worthless to you. For one thing, by the time you get a tip for a “hot” stock, it may already be cooling down. But more importantly, the stock may not be appropriate for your individual situation. If, for instance, you buy shares of a company that is very similar to other companies you already own, and an economic downturn affects the industry to which those companies belong, you will hurt, rather than help, your portfolio by purchasing the socalled hot stock. You’re much better off by ignoring these tips and focusing on building a portfolio that is suitable for your risk tolerance, time horizon and long-term goals. By avoiding these “scary” investment moves, you can help yourself achieve some results that aren’t too frightful — in fact, they may eventually be sweeter than the best Halloween candy. This article was provided by Carl Oberer, an investment respresentative with the financial services firm Edward Jones, Member SIPC.
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Ten Good Reasons to Create an Estate Plan Now by Kathryn Cook DeAngelo, Esq. CELA† Elder Law
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You may be eligible for housing at Millner Estates Apartments if your household income for 1 person is less than $17,450, 2 people less than $27,900
Many people think that estate plans are for someone else, not them. They may rationalize that they are too young or don’t have enough money to reap the benefits, tax or otherwise, of an estate plan. But as the following list makes clear, estate planning is for everyone, regardless of age or net Call To Schedule Your Application Appointment or worth. Think of it as “people planning” or leaving a legacy To Place An Application In Person to your family and/or friends. 200 Montford Rd., Georgetown, S.C. 1. Loss of capacity. What if you become incompetent and EQUAL HOUSING OPPORTUNITY unable to manage your own affairs? Without a plan the Office Hrs. Mon. thru Fri. 8:30am - 5:00pm courts will select the person to manage your affairs. With a Phone: (843) 527-1137 TDD Relay No. (800) 855-1155 plan, you pick that person through the use of a legal document. 2. Minor children or minor grandchildren. Who will raise your children if you die? Or what about minor grandchildren that you may be raising? Without a plan, a court will make that decision. With a plan, you are able to nominate the guardian of your choice. 3. Dying without a will. Who will inherit your assets? Without a plan, your probate assets pass to your heirs according to your state’s laws of intestacy (dying without a will). Your family members (and perhaps not the ones you would choose) will receive your probate assets without benefit of your direction or of trust protection. With a plan, you decide who gets your probate assets, and when and how they receive them. Imagine a camera the diameter of a pencil becoming the surgeon’s eye and 4. Blended families. What if your family is the result of multiple marriages? Without a plan, children from different marriages instruments no bigger than a paper clip serving as the surgeon’s hands. may not be treated as you would wish. With a plan, you determine what goes to your current spouse and to the children from a prior marriage or marriages. 5. Children or a spouse with special needs. Without a plan, a It’s happening in the Myrtle Beach area at: child with special needs or a spouse who is on Medicaid for nursing home risks being disqualified from receiving Medicaid or SSI benefits, and may have to use his or her inheritance to pay for care. With a plan, you can set up a trust that can allow the child or spouse to remain eligible for government benefits while using the trust assets to pay for luxuries and other non-covered expenses. 6. Keeping assets in the family. Would you prefer that your assets stay in your own family? Without a plan, your child’s spouse may wind up with your money if your child passes away QUALITY SERVICES RIGHT HERE AT HOME: prematurely. If your child divorces his or her current spouse, a portion of your assets could go to the spouse in the divorce. With a plan, you can set up a trust that ensures that your assets will Patients in Myrtle Beach and surrounding areas no longer need to travel to Charleston stay in your family and, for example, pass to your grandchildren. or elsewhere for Advanced Laparoscopic Gastrointestinal/Abdominal Surgical needs, 7. Financial security. Will your spouse and children be able to Laparoscopic Weight Loss Surgery (Bariatric Surgery), survive financially? Without a plan and the income replacement provided by life insurance, your family may be unable to mainMinimally Invasive Endovascular and Breast Surgery. tain its current living standard. With a plan, life insurance can mean that your family will enjoy financial security. Here at Advanced Surgical Associates we offer patients the benefit of Minimally Invasive 8. Retirement accounts. Do you have an IRA or similar retirement account? Without a plan, your designated beneficiary for surgical techniques for a host of conditions. Our highly-trained surgeons have completed the retirement account funds may not reflect your current wishes extra training in Advanced Minimally Invasive Surgery and have extensive experience in and may result in burdensome tax consequences for your heirs minimally invasive techniques as applied to the art and discipline of surgical care. (although the rules regarding the designation of a beneficiary have been changed considerably). With a plan, you can choose the optimal beneficiary. The areas only Center of Excellence for weight loss surgery 9. Business ownership. Do you own a business? Without a plan, you don’t name a successor, thus risking that your family and the areas only Board Certified Female General Surgeon! could lose control of the business. With a plan, you choose who will own and control the business after you are gone. 10. Avoiding probate. Without a plan, your estate may be subject to delays and excess fees. This depends on the state and the Meet the Advanced Surgical Team: state’s probate laws. In most “simple estates,” the probate process in South Carolina is brief and relatively inexpensive. Of course, in the probate process, your assets will be a matter of public record Donald A. Balder, Lael Elizabeth Forbes, and all heirs, even if not devisees in the Will, have to be notified MD, FACS, MD, FACS, of the probate. With a plan, you can structure things so that probate can be avoided entirely. The classic legal tool for avoiding Board Certified in General Board Certified In probate is the revocable living trust. However, there are pros and Surgery, Specializing in General Surgery, cons and advantages and disadvantages involved with a revocaMinimally Invasive Surgery Specializing in Minimally ble living trust, and it is not a “one-size-fits-all” estate plan. including Endovascular & Invasive Surgery Kathryn Cook DeAngelo, Esq. CELA†, Elder Law Attorney, 1500 U.S. Vein Surgeries including Breast Surgery Hwy. 17 N., The Courtyard, Suite 214. Surfside Beach, SC 29587-5667 843-238-8422 Website: Elderlawanswers.com
Happy Thanksgiving
The key to less pain, less scarring and faster healing time: Advanced Minimally Invasive Surgery
Source: elderlawanswers.com. The information in this article was prepared as general and supplemental information and may not be applicable to the reader’s particular legal needs or circumstances. It should not be relied upon as a substitute for legal or other professional services. For such services, consult a competent professional advisor.
Serving Horry & Georgetown Counties at several locations To Make an Appointment Call: 843-347-3900 Websites: scnow.com (click on Health CONNECTIONS) advancedsurgicalassociates.com
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1. Is Solar Energy a new thing? No. It has been around for way over a century. The development of solar cell technology began with the research of French physicist Antoine-César Becquerel in 1839. 2. What are the different ways we can use solar energy? To generate electricity to power electric devices, solar thermal to heat liquid for heating domestic hot water, pools, spas, or to run absorption chillers for heating and cooling. Solar thermal can also be used to generate electricity by heating fluid used to drive generator turbines. 3. How do solar panels work? Basically, solar panels use several layers of substrates that react to radiation from the sun and release electrons (Silicon is the most popular but new materials are being developed). These sandwiched layers are of different potentials (- and +) act like a diode and force the electrons to flow in one direction to generate a current. Electrodes integrated into the panels collect the current and channel it to an output 4. Can I use my panels at night or on cloudy days? Cloudy days will yield some output depending on how thick the clouds are. The panels react to range of radiation like UV, IR and Visible light. Night time will not yield an output. 5. Is it possible to power a house entirely by solar power? Yes provided there is enough space and the household peak power demand is never higher than the hourly power output of the solar array. For example, homes that heat and cool using conventional heat pumps would require a huge solar system due to the startup surge of the outdoor condensing unit that draws about 30,000 watts for 9 seconds every time it comes on. A solar array that could handle that power would cost a quarter million or more. To create a solar off-grid system, power consumption must be reasonably low. 6. How durable are solar panels? Very durable. They are designed to handle harsh weather environments Solar panels typically have a power output warranty of around 20 years that warrants the power performance of the panel, i.e.: first 5 years 95%, 510 years 90% and so on. They are made of heavy aluminum that is often anodized to resist corrosion, and tempered glass capable of withstanding 1” hail stones. 7. Will I ever need to have my panels replaced? Possibly though there are known to be panels that have lasted upwards of 30 years and are still going strong. It depends on many factors. In most cases the panels will last twice as long as a roof and may never need to be replaced provided they are cleaned annually. If the roof needs replacing, the panels will need to be removed and reinstalled but it is a reasonable cost since the labor is not extensive 8. Do solar panels store energy? No but they do connect to an Inverter system that can have an optional charge controller and battery bank connected to act as a backup power supply. 9. What does Photovoltaic mean? Photovoltaic is the process of converting light (photo) into electricity. Encarta defines it as “able to generate a current or voltage when exposed to visible light or other elec-
By
continued on page 31
North Myrtle Beach
EdwardJ ones
Eric Long, CFP - 626-3659
Serving Individual Investors Since 1871
Shaun D. Walsh - 238-3343
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tromagnetic radiation 10. Are there any downsides to solar energy? Here are a few: 1) High cost results in a long ROI. 2) low efficiency of current technology requires large surface areas to generate significant power; 3) do not work in shade so trees are a huge obstacle 11. Will the panels look bad on my homedepreciate the value?. They actually add to the value of your property. According to the Appraisal Journal, every $1 you save in annual energy costs through improved efficiency or energy systems, property value increases $20. If your PV system saved $1000/yr in power, the property would increase in value by $20,000. Share this with your appraiser if selling your house. 12. Does the location of my home affect how much energy I get from the solar panels? Yes, very much so. Solar panels should face as close to due south as possible to yield the best results. They should never face in a northern direction. They also should have an angle or slope that matches latitude (for the Grandstrand this is 32deg). Most roofs have a slope that works pretty well but some houses do not have roof slopes that face south. The biggest obstacle had been HOAs that don’t want the panels visible from the street and require much persistence to get an approval; however, we’ve never had an HOA that didn’t come to a satisfactory compromise. Another big obstacle is trees around the property, especially the tall pines 13. How much saving can I expect from my solar panels? 8 cents per kW of solar electric. If you had a 4KW system, you would save 32 cents per hour of sunlight or about $2/day or $60/month or $720/year. When electricity doubles to 16 cents/kW the savings would be about $1,400/year 14. What type of maintenance is required on solar panels? Cleaning panels at least once a year. System should be checked annually and settings adjusted as needed to maintain best performance. Thermal systems need to have the glycol fluid checked annually and changed as required. 15. Are there any tax breaks or refunds available for installing a solar system? Yes. Federal and state tax credits are available now and for the next 8 years. Check www.dsireusa.org for details. Generally,
Carl W. Oberer - 280-5016
Myrtle Beach
Surfside Beach
Unsettling Times Still Offer Opportunities for Investors
I
f Frank Sinatra were around, he might not sing “It Was a Very Good Year” in front of a bunch of investors. In fact, after pondering the chaos of the past few weeks, many people might think this is a terrible time to invest in the stock market. However, history often has a way of turning the tables. Certainly, there’s reason for concern. After all, Congress has just approved a $700 billion bailout of the financial services industry, following the collapse of some major Wall Street firms and large banks. And the Dow Jones Industrial Average has fallen more than 25 percent since its all-time high in October 2007. And yet, we’ve certainly had other years in which the investment landscape seemed grim. For example, in 1973, a series of events — including the Watergate scandal, the OPEC oil embargo, the Vietnam War and the resignation of Vice President Spiro Agnew — had shaken the public’s morale. Given all this, you might have thought that 1973 was a bad year in which to invest in the stock market. But you’d have been wrong. From Nov. 30, 1973, to Nov. 30, 1983, the S&P 500 recorded an average annual
return of 10.9 percent. So, if you had invested $10,000 in the market at the beginning of that period and reinvested the dividends, it would have grown to $28,139 by the end. (Keep in mind, however, that the S & P 500 is an unmanaged index, and you cannot invest directly into it.) Of course, as you’ve heard, “past performance cannot guarantee future results.” And some significant differences exist between 1973 and 2008. In 1973, most of the problems that worried investors were external to the financial markets. This year, it’s the markets themselves that have turned somewhat toxic. Still, there’s some cause for optimism. Consider the following: • Bailout may improve business climate — One of the chief goals of the $700 billion bailout is to inject some much-needed cash into the financial system, which has been rendered almost illiquid by the subprime mortgage crisis. Increased liquidity means that businesses will have easier access to credit — and all companies need credit to expand their operations and become profitable. Obviously, the greater the number of successful companies, the more investment opportu-
nities become available. • Regulatory climate may change — While several factors are responsible for our current turmoil, one key culprit appears to be the lack of appropriate regulation over some aspects of the financial markets. It seems quite likely that lawmakers, in the near future, will develop some new regulatory guidelines that may help prevent a recurrence of the events of this year. • Stocks are attractively priced — Look for quality stocks — representing companies with competitive products, strong management and long track records of profitability — and consider buying these stocks when their price is low Typically, quality stocks are the first to rebound when the market recovers. Here’s the bottom line: The investment climate may be brighter tomorrow — and you can find good stocks at lower prices today. So don’t stick your money under the mattress. Years from now, you may look back and realize that 2008 was, indeed, a very good year in which to continue investing.
EdwardJones Serving Individual Investors Since 1871
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RETIRE RIGHT
The New Magic Pill - Brain Balancing
Hold’em or Fold’em Retirement Dilemma
by Carolyn M. Ball, M.A., L.P.C.
By Patrick Munro
Just imagine—a simple, straightforward approach to healing emotional issues that doesn’t cost much, that involves very little output of energy, and that is more effective than anything that has come before! AND, its not a drug, with all of the associated issues of dependency, side effects, and disempowering the body from producing its own natural means of healing. What we’re talking about here is the relatively new world of balancing the left and right hemisphere’s of the brain so that they work together. When we experience a traumatic or upsetting event in our Carolyn M. Ball lives, especially if there was a lot of emotion associated with that experience, we tend to get stuck in believing whatever negative thoughts went into our minds at the time. We then develop a “thought habit,” a negative mental loop, if you will, where we repeat the same negative thought over and over every time an event occurs that reminds us of the original one—whether we are conscious of it or not. These loops run through neural pathways of our brain, reinforcing themselves with each repetition and becoming habitual. Over our lifetime, we develop quite a few of these loops, and they are responsible for all kinds of problems— low self-esteem, lack of confidence, stress, anxiety, depression, anger, and a huge assortment of effects on our lives—including our work, our relationships, our families, our health, and so on. Psychology has come a long way since Freud, and with each passing decade we see more and more effective means for healing the head and the heart. But a relatively new approach has begun to take hold—one that makes great use of modern science and technology, but is actually quite simple. It is based on the concept that by stimulating alternate sides of the brain, we can help the two hemispheres of the brain to work together in resolving old issues and releasing our “brain loops” so that we can genuinely see and feel things differently. There are two main approaches to brain balancing circulating through the psychological healing communities at this time, although others are being developed. The first is a technique I have written about before, EMDR, or Eye Movement Desensitization and Reprocessing. It was started by a counselor named Francine Shapiro, who was aware that when we dream, we have rapid eye movements (called REM sleep). She knew that studies have proven that if we are constantly awakened each time we enter REM sleep, we become psychotic within days. Francine deduced that if we can work things out in our dreams while these rapid eye movements are going on, we should be able to apply that principle to our waking state. So she would have clients think about their problems while they watched her move her hand back and forth in front of their eyes, simulating the rapid eye movements of REM sleep. She very quickly observed that her clients not only moved very quickly through their issues, but they also usually came up with creative and satisfying solutions to their problems. As EMDR further developed, it was found that it was the stimulation of alternate sides of the brain that actually helped people get such rapid resolution. In time, therapists learned to use lights moving back and forth, then sounds in alternate ears, and even allowing the clients to tap right and left on their arms or knees as the talked about the issues. As long as the left and right sides of the body were engaged, then the left and right sides of the brain began to come into balance and work together. The results were fairly consistent and quite remarkable. It is no wonder that sometimes when we feel fed up with something, we go out to take a walk, or to work out, which we think about our concerns—which of course are also examples of stimulating the left and right sides of the brain. The other technique which is becoming more and more popular among counselors is the use of binaural sounds, as heard through headphones. A binaural sound is created by slightly different tones in each ear, which causes a perceived “vibrato” or oscillation between the two hemispheres. This induces the two sides of the brain to work together, sometimes called hemispheric synchronization. Robert Monroe, founder of the Monroe Institute, originally a sound engineer and businessman, spent many years researching the various combinations of sounds that would have the optimal effect for stress management, relaxation, sleep, focus, concentration, and many other states of awareness. He coined the term “Hemi-Sync,” and patented his technology, then made it widely available through very reasonable tapes and CDs, as well as numerous courses which are taught to individuals as well as professionals at the Institute. Because the institute has such a large research base, it is becoming widely recognized for Hemi-Sync’s effectiveness in helping people solve issues, explore their consciousness and expand their lives. If you would like to learn more about balancing your brain, you may want to Google “EMDR” or “Hemi-Sync”. Its an exciting, expanding new world. Or, just go out for a walk, and notice how much better you feel. Carolyn M. Ball, MA, LPC, is a psychotherapist and speaker in private practice working with clients deeply committed to their healing process. She is the author of Claiming Your Self-Esteem, Meher Baba’s Next Wave, and Blessings in Disguise. She can be reached at 479-251-7747.
NOVEMBER 2008
The meltdown of the financial markets has retirementminded folks on edge. The massive government bailout of Wall Street. a broken stock Patrick Munro market, forced mergers of collapsing corporate giants, bankruptcies and talk of financial doom has Main Street on the brink of panic. Retirement money in stocks, bonds, mutual funds, variable annuities and other investments, inside and outside of 401 (k) plans, has lost 15% or more on average thus far in 2008. Is your retirement money safe? Will you have to postpone or scaledown retirement? Is the Worst over? Is this the beginning of another Great Depression? There are two truisms about “the market”. First, no one knows what the future holds. Not the talking heads who profess to know, not economists, not your broker and certainly not government bureaucrats. Second, never put
money in the market you can’t afford to lose. Make no mistake about it: the market is about risk of loss - to think otherwise is naive. If you can’t afford to lose a big chunk, or all, of your retirement money, don’t gamble in the market. If you’re in the market and can’t afford losses, get out. Yes, it may rally - or get worse. Yes, the paper losses become real if you sell - but don’t sell, and they could get a lot worse. Maybe - or maybe not - you’ll be fine in the long run. To put things into perspective, let’s review recent history. In mid-September 1998 the Dow Jones Industrial Average (“DJIA”), the most prominent barometer of the stock market, closed at 8089.78. Exactly ten years later the DJIA closed at 11,059.02. or 36.7% above the 10-year-ago level. This average annual gain of 3.67% is about one-third of the 10% annual long term stock market gains touted by Wall Street that Americans cranked into their retirement plans. Actually, it’s much worse than these numbers reflect for two reasons. First, inflation has not been taken into account. It’s not how much money you have but how much your money will buy. The All Urban Consumer Price Index (“CPI-U”) was at 163.6 in September 1998 at the start of the period and 219.1 at the
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end -an increase of 33.9%. In other words, what cost $163.60 in 1998 cost $219.10 in 2008. The 36.7% gain in the DJIA over the ten-year period has been slashed to about 3%, or 0.3% a year. This is no where near the long-term returns boasted by Wall Street. But, we’re not done yet. Second, over any given five-year period only about 5% of the money managers of mutual funds match or beat the broad market indexes. This means the growth of your mutual funds, the most common selection inside a 401 (k), is not likely to match the DJIA. In fact, after adjustment for inflation and handicapping your money manager, the chances your mutual funds will beat the market averages over a ten-year period is about one in twenty. So much for the much heralded “Wisdom of Wall Street”!
Things could get much worse - in fact they have if we select a different period. Since January 2000, the DJIA has actually lost 3% while prices have risen 29.8%. Add the money managers’ handicap, and you have a “real loss” of over 30% - representing about ten years of your retirement money. Since October 2007, the typical 401(k) has lost 20% or more of its value even before adjustment for inflation. It may get worse or it could get better - no one knows and therein is the risk. Predicting the market years in advance is like forecasting the weather for 2012 and beyond. Why deal with the stress of a ruined retirement when there are alternatives with predictable returns and no risk? Call me today to move your retirement. Call me today at 448-7305 to find out more!
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Change Your Kitchen Counters Without Tearing Out Your Old Ones?
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Submitted by Easton Industries
Call Today! Limited number of $189 System Super-Tune-Ups for only $79!
843-492-7797 1-888-333-8888
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Dillard’s Coastal Grand Mall, 100 Coastal Grand Drive, Myrtle Beach, SC
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Remodeling trends have not changed too much over the past decade. The kitchen and the bath still rank as the 2 most remodeled rooms in your home. The stagnant home market has caused many homeowners to look within their own homes to upgrade their surroundings for their own enjoyment or prepare to sell their home when the market improves a few years from now. History shows that money spent in the bath and the kitchen easily pays for itself when the home is sold. Remodeling, however, has its obstacles. In the kitchen, there are an array of new and old countertop surfaces available to the homeowner. The assortment of choices is enough to make your head spin. It seems the trendy, popular new surfaces are also the most expensive. Natural stone has been one of the most popular choices for the past 5 years, but the price is prohibitive to the small or mid-size homeowner, not to mention recent concerns over radon contamination and bacteria. Finally, remodeling or simply changing your countertop forces the homeowner to live without their kitchen for days at a time while the old counters are torn out and the new counters are installed. This has always been an issue for homeowners as their lives are interrupted by
BEFORE
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contractors in and out of their house, creating a mess, and hopefully sticking to the schedule that everyone agreed to. Everyone knows someone who has a horror story to tell about the time they remodeled their home. The New Alternative For homeowners who want to simply and affordably change their kitchen countertops, there is a new alternative. A local company, Easton Industries, has introduced a new product that can be installed right over your existing countertop. They call it “Eastonite” and it looks very much like a combination of real stone and solid surface. They have made the kitchen counter remodel-
ing experience so efficient that it only takes them just a few hours to install the “Eastonite”. In fact, their ad slogan is “Have breakfast on your old countertops and dinner on your new ones”. More than 200 local homeowners have had “Eastonite” countertops installed right over their old counters just in the last 2 years. They have expressed their satisfaction not only with the quality of the new counters, but also the ease with which the new product was installed by the installers at Easton Industries. The Process “Eastonite” is a man-made product using natural stone and resin. The people at Easton Industries come to your home to measure and template the sizes needed for your new countertops. These templates are brought back to their shop here in Myrtle Beach where they form molds identical to the countertop sizes they just measured. The combination of crushed natural stone and resin are mixed together and cast into the molds creating ?” thick countertops. The countertops are removed from the molds, polished and prepared for installation in your home. On the day of the installation either the homeowner or a handyman can remove the kitchen sink before the “Eastonite” installers arrive. The installers then cut the sink hole out of the “Eastonite” and trim the countertops to size for a custom fit. The countertops come with custom made back splashes and trim pieces for a completely new finished countertop. When the countertop installation is complete (3-5 hours), the old or a brand new sink is reinstalled again by the homeowner or handyman. The Features “Eastonite” comes in 15 beautiful colors that cover the spectrum. One of the really great benefits of “Eastonite” is that it looks like granite or solid surface depending on the color you choose. Many people mistake “Eastonite” for these other products when they see it for the first time. One of the key benefits of “Eastonite” is the built-in sealer on the surface of the countertop. The sealer is a clear, high gloss permanent coating that keeps moisture from penetrating the product. Therefore, “Eastonite” is non-porous and will not stain. It repels any kind of moisture penetration so
From All the Staff at Transitions News Magazine, We Wish You a Very Happy Thanksgiving!
NOVEMBER 2008
PA G E 1 7
bacteria contamination cannot occur. And since the sealer is permanent, there is no maintenance required or resealing needed like there is with natural stone products. No special care or attention is needed to maintain an “Eastonite” countertop. Any non-abrasive cleaner will keep your countertops looking new for years to come. Easton Industries does recommend the use of cut board for cutting, but if you should accidentally scratch the countertop, it can be fixed very easily. Although they haven’t had any problems related to heat, they still recommend using a hot pad for hot pots and pans. The Cost The folks at Easton Industries say that the
“Eastonite” costs about half the price of natural stone or solid surface products. Although prices for these products vary around the marketplace, it appears that this is indeed the case. “Eastonite” countertops cost between $30 and $40 per square foot including installation depending on the color. Add this to the savings you’ll get when you don’t have to have your old countertops torn out and it becomes obvious that this new alternative for upgrading and remodeling your kitchen might be perfect for homeowners looking to add value to their home with a tight budget in a struggling economy. You may contact Easton Industries in Myrtle Beach at (843) 448-2354.
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Transitions,
NOVEMBER 2008
Transitions,
PA G E 1 6
Change Your Kitchen Counters Without Tearing Out Your Old Ones?
CMYK
Submitted by Easton Industries
Call Today! Limited number of $189 System Super-Tune-Ups for only $79!
843-492-7797 1-888-333-8888
To learn more and save more, log on to
www.onehourheatandair.com
Licensed, Bonded & Insured Family-Owned & Operated
27” WEB-100
The Style Of Your Life!
Dillard’s Coastal Grand Mall, 100 Coastal Grand Drive, Myrtle Beach, SC
(843) 839-2917
Remodeling trends have not changed too much over the past decade. The kitchen and the bath still rank as the 2 most remodeled rooms in your home. The stagnant home market has caused many homeowners to look within their own homes to upgrade their surroundings for their own enjoyment or prepare to sell their home when the market improves a few years from now. History shows that money spent in the bath and the kitchen easily pays for itself when the home is sold. Remodeling, however, has its obstacles. In the kitchen, there are an array of new and old countertop surfaces available to the homeowner. The assortment of choices is enough to make your head spin. It seems the trendy, popular new surfaces are also the most expensive. Natural stone has been one of the most popular choices for the past 5 years, but the price is prohibitive to the small or mid-size homeowner, not to mention recent concerns over radon contamination and bacteria. Finally, remodeling or simply changing your countertop forces the homeowner to live without their kitchen for days at a time while the old counters are torn out and the new counters are installed. This has always been an issue for homeowners as their lives are interrupted by
BEFORE
AFTER
contractors in and out of their house, creating a mess, and hopefully sticking to the schedule that everyone agreed to. Everyone knows someone who has a horror story to tell about the time they remodeled their home. The New Alternative For homeowners who want to simply and affordably change their kitchen countertops, there is a new alternative. A local company, Easton Industries, has introduced a new product that can be installed right over your existing countertop. They call it “Eastonite” and it looks very much like a combination of real stone and solid surface. They have made the kitchen counter remodel-
ing experience so efficient that it only takes them just a few hours to install the “Eastonite”. In fact, their ad slogan is “Have breakfast on your old countertops and dinner on your new ones”. More than 200 local homeowners have had “Eastonite” countertops installed right over their old counters just in the last 2 years. They have expressed their satisfaction not only with the quality of the new counters, but also the ease with which the new product was installed by the installers at Easton Industries. The Process “Eastonite” is a man-made product using natural stone and resin. The people at Easton Industries come to your home to measure and template the sizes needed for your new countertops. These templates are brought back to their shop here in Myrtle Beach where they form molds identical to the countertop sizes they just measured. The combination of crushed natural stone and resin are mixed together and cast into the molds creating ?” thick countertops. The countertops are removed from the molds, polished and prepared for installation in your home. On the day of the installation either the homeowner or a handyman can remove the kitchen sink before the “Eastonite” installers arrive. The installers then cut the sink hole out of the “Eastonite” and trim the countertops to size for a custom fit. The countertops come with custom made back splashes and trim pieces for a completely new finished countertop. When the countertop installation is complete (3-5 hours), the old or a brand new sink is reinstalled again by the homeowner or handyman. The Features “Eastonite” comes in 15 beautiful colors that cover the spectrum. One of the really great benefits of “Eastonite” is that it looks like granite or solid surface depending on the color you choose. Many people mistake “Eastonite” for these other products when they see it for the first time. One of the key benefits of “Eastonite” is the built-in sealer on the surface of the countertop. The sealer is a clear, high gloss permanent coating that keeps moisture from penetrating the product. Therefore, “Eastonite” is non-porous and will not stain. It repels any kind of moisture penetration so
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bacteria contamination cannot occur. And since the sealer is permanent, there is no maintenance required or resealing needed like there is with natural stone products. No special care or attention is needed to maintain an “Eastonite” countertop. Any non-abrasive cleaner will keep your countertops looking new for years to come. Easton Industries does recommend the use of cut board for cutting, but if you should accidentally scratch the countertop, it can be fixed very easily. Although they haven’t had any problems related to heat, they still recommend using a hot pad for hot pots and pans. The Cost The folks at Easton Industries say that the
“Eastonite” costs about half the price of natural stone or solid surface products. Although prices for these products vary around the marketplace, it appears that this is indeed the case. “Eastonite” countertops cost between $30 and $40 per square foot including installation depending on the color. Add this to the savings you’ll get when you don’t have to have your old countertops torn out and it becomes obvious that this new alternative for upgrading and remodeling your kitchen might be perfect for homeowners looking to add value to their home with a tight budget in a struggling economy. You may contact Easton Industries in Myrtle Beach at (843) 448-2354.
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RETIRE RIGHT
The New Magic Pill - Brain Balancing
Hold’em or Fold’em Retirement Dilemma
by Carolyn M. Ball, M.A., L.P.C.
By Patrick Munro
Just imagine—a simple, straightforward approach to healing emotional issues that doesn’t cost much, that involves very little output of energy, and that is more effective than anything that has come before! AND, its not a drug, with all of the associated issues of dependency, side effects, and disempowering the body from producing its own natural means of healing. What we’re talking about here is the relatively new world of balancing the left and right hemisphere’s of the brain so that they work together. When we experience a traumatic or upsetting event in our Carolyn M. Ball lives, especially if there was a lot of emotion associated with that experience, we tend to get stuck in believing whatever negative thoughts went into our minds at the time. We then develop a “thought habit,” a negative mental loop, if you will, where we repeat the same negative thought over and over every time an event occurs that reminds us of the original one—whether we are conscious of it or not. These loops run through neural pathways of our brain, reinforcing themselves with each repetition and becoming habitual. Over our lifetime, we develop quite a few of these loops, and they are responsible for all kinds of problems— low self-esteem, lack of confidence, stress, anxiety, depression, anger, and a huge assortment of effects on our lives—including our work, our relationships, our families, our health, and so on. Psychology has come a long way since Freud, and with each passing decade we see more and more effective means for healing the head and the heart. But a relatively new approach has begun to take hold—one that makes great use of modern science and technology, but is actually quite simple. It is based on the concept that by stimulating alternate sides of the brain, we can help the two hemispheres of the brain to work together in resolving old issues and releasing our “brain loops” so that we can genuinely see and feel things differently. There are two main approaches to brain balancing circulating through the psychological healing communities at this time, although others are being developed. The first is a technique I have written about before, EMDR, or Eye Movement Desensitization and Reprocessing. It was started by a counselor named Francine Shapiro, who was aware that when we dream, we have rapid eye movements (called REM sleep). She knew that studies have proven that if we are constantly awakened each time we enter REM sleep, we become psychotic within days. Francine deduced that if we can work things out in our dreams while these rapid eye movements are going on, we should be able to apply that principle to our waking state. So she would have clients think about their problems while they watched her move her hand back and forth in front of their eyes, simulating the rapid eye movements of REM sleep. She very quickly observed that her clients not only moved very quickly through their issues, but they also usually came up with creative and satisfying solutions to their problems. As EMDR further developed, it was found that it was the stimulation of alternate sides of the brain that actually helped people get such rapid resolution. In time, therapists learned to use lights moving back and forth, then sounds in alternate ears, and even allowing the clients to tap right and left on their arms or knees as the talked about the issues. As long as the left and right sides of the body were engaged, then the left and right sides of the brain began to come into balance and work together. The results were fairly consistent and quite remarkable. It is no wonder that sometimes when we feel fed up with something, we go out to take a walk, or to work out, which we think about our concerns—which of course are also examples of stimulating the left and right sides of the brain. The other technique which is becoming more and more popular among counselors is the use of binaural sounds, as heard through headphones. A binaural sound is created by slightly different tones in each ear, which causes a perceived “vibrato” or oscillation between the two hemispheres. This induces the two sides of the brain to work together, sometimes called hemispheric synchronization. Robert Monroe, founder of the Monroe Institute, originally a sound engineer and businessman, spent many years researching the various combinations of sounds that would have the optimal effect for stress management, relaxation, sleep, focus, concentration, and many other states of awareness. He coined the term “Hemi-Sync,” and patented his technology, then made it widely available through very reasonable tapes and CDs, as well as numerous courses which are taught to individuals as well as professionals at the Institute. Because the institute has such a large research base, it is becoming widely recognized for Hemi-Sync’s effectiveness in helping people solve issues, explore their consciousness and expand their lives. If you would like to learn more about balancing your brain, you may want to Google “EMDR” or “Hemi-Sync”. Its an exciting, expanding new world. Or, just go out for a walk, and notice how much better you feel. Carolyn M. Ball, MA, LPC, is a psychotherapist and speaker in private practice working with clients deeply committed to their healing process. She is the author of Claiming Your Self-Esteem, Meher Baba’s Next Wave, and Blessings in Disguise. She can be reached at 479-251-7747.
NOVEMBER 2008
The meltdown of the financial markets has retirementminded folks on edge. The massive government bailout of Wall Street. a broken stock Patrick Munro market, forced mergers of collapsing corporate giants, bankruptcies and talk of financial doom has Main Street on the brink of panic. Retirement money in stocks, bonds, mutual funds, variable annuities and other investments, inside and outside of 401 (k) plans, has lost 15% or more on average thus far in 2008. Is your retirement money safe? Will you have to postpone or scaledown retirement? Is the Worst over? Is this the beginning of another Great Depression? There are two truisms about “the market”. First, no one knows what the future holds. Not the talking heads who profess to know, not economists, not your broker and certainly not government bureaucrats. Second, never put
money in the market you can’t afford to lose. Make no mistake about it: the market is about risk of loss - to think otherwise is naive. If you can’t afford to lose a big chunk, or all, of your retirement money, don’t gamble in the market. If you’re in the market and can’t afford losses, get out. Yes, it may rally - or get worse. Yes, the paper losses become real if you sell - but don’t sell, and they could get a lot worse. Maybe - or maybe not - you’ll be fine in the long run. To put things into perspective, let’s review recent history. In mid-September 1998 the Dow Jones Industrial Average (“DJIA”), the most prominent barometer of the stock market, closed at 8089.78. Exactly ten years later the DJIA closed at 11,059.02. or 36.7% above the 10-year-ago level. This average annual gain of 3.67% is about one-third of the 10% annual long term stock market gains touted by Wall Street that Americans cranked into their retirement plans. Actually, it’s much worse than these numbers reflect for two reasons. First, inflation has not been taken into account. It’s not how much money you have but how much your money will buy. The All Urban Consumer Price Index (“CPI-U”) was at 163.6 in September 1998 at the start of the period and 219.1 at the
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end -an increase of 33.9%. In other words, what cost $163.60 in 1998 cost $219.10 in 2008. The 36.7% gain in the DJIA over the ten-year period has been slashed to about 3%, or 0.3% a year. This is no where near the long-term returns boasted by Wall Street. But, we’re not done yet. Second, over any given five-year period only about 5% of the money managers of mutual funds match or beat the broad market indexes. This means the growth of your mutual funds, the most common selection inside a 401 (k), is not likely to match the DJIA. In fact, after adjustment for inflation and handicapping your money manager, the chances your mutual funds will beat the market averages over a ten-year period is about one in twenty. So much for the much heralded “Wisdom of Wall Street”!
Things could get much worse - in fact they have if we select a different period. Since January 2000, the DJIA has actually lost 3% while prices have risen 29.8%. Add the money managers’ handicap, and you have a “real loss” of over 30% - representing about ten years of your retirement money. Since October 2007, the typical 401(k) has lost 20% or more of its value even before adjustment for inflation. It may get worse or it could get better - no one knows and therein is the risk. Predicting the market years in advance is like forecasting the weather for 2012 and beyond. Why deal with the stress of a ruined retirement when there are alternatives with predictable returns and no risk? Call me today to move your retirement. Call me today at 448-7305 to find out more!
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1. Is Solar Energy a new thing? No. It has been around for way over a century. The development of solar cell technology began with the research of French physicist Antoine-César Becquerel in 1839. 2. What are the different ways we can use solar energy? To generate electricity to power electric devices, solar thermal to heat liquid for heating domestic hot water, pools, spas, or to run absorption chillers for heating and cooling. Solar thermal can also be used to generate electricity by heating fluid used to drive generator turbines. 3. How do solar panels work? Basically, solar panels use several layers of substrates that react to radiation from the sun and release electrons (Silicon is the most popular but new materials are being developed). These sandwiched layers are of different potentials (- and +) act like a diode and force the electrons to flow in one direction to generate a current. Electrodes integrated into the panels collect the current and channel it to an output 4. Can I use my panels at night or on cloudy days? Cloudy days will yield some output depending on how thick the clouds are. The panels react to range of radiation like UV, IR and Visible light. Night time will not yield an output. 5. Is it possible to power a house entirely by solar power? Yes provided there is enough space and the household peak power demand is never higher than the hourly power output of the solar array. For example, homes that heat and cool using conventional heat pumps would require a huge solar system due to the startup surge of the outdoor condensing unit that draws about 30,000 watts for 9 seconds every time it comes on. A solar array that could handle that power would cost a quarter million or more. To create a solar off-grid system, power consumption must be reasonably low. 6. How durable are solar panels? Very durable. They are designed to handle harsh weather environments Solar panels typically have a power output warranty of around 20 years that warrants the power performance of the panel, i.e.: first 5 years 95%, 510 years 90% and so on. They are made of heavy aluminum that is often anodized to resist corrosion, and tempered glass capable of withstanding 1” hail stones. 7. Will I ever need to have my panels replaced? Possibly though there are known to be panels that have lasted upwards of 30 years and are still going strong. It depends on many factors. In most cases the panels will last twice as long as a roof and may never need to be replaced provided they are cleaned annually. If the roof needs replacing, the panels will need to be removed and reinstalled but it is a reasonable cost since the labor is not extensive 8. Do solar panels store energy? No but they do connect to an Inverter system that can have an optional charge controller and battery bank connected to act as a backup power supply. 9. What does Photovoltaic mean? Photovoltaic is the process of converting light (photo) into electricity. Encarta defines it as “able to generate a current or voltage when exposed to visible light or other elec-
By
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tromagnetic radiation 10. Are there any downsides to solar energy? Here are a few: 1) High cost results in a long ROI. 2) low efficiency of current technology requires large surface areas to generate significant power; 3) do not work in shade so trees are a huge obstacle 11. Will the panels look bad on my homedepreciate the value?. They actually add to the value of your property. According to the Appraisal Journal, every $1 you save in annual energy costs through improved efficiency or energy systems, property value increases $20. If your PV system saved $1000/yr in power, the property would increase in value by $20,000. Share this with your appraiser if selling your house. 12. Does the location of my home affect how much energy I get from the solar panels? Yes, very much so. Solar panels should face as close to due south as possible to yield the best results. They should never face in a northern direction. They also should have an angle or slope that matches latitude (for the Grandstrand this is 32deg). Most roofs have a slope that works pretty well but some houses do not have roof slopes that face south. The biggest obstacle had been HOAs that don’t want the panels visible from the street and require much persistence to get an approval; however, we’ve never had an HOA that didn’t come to a satisfactory compromise. Another big obstacle is trees around the property, especially the tall pines 13. How much saving can I expect from my solar panels? 8 cents per kW of solar electric. If you had a 4KW system, you would save 32 cents per hour of sunlight or about $2/day or $60/month or $720/year. When electricity doubles to 16 cents/kW the savings would be about $1,400/year 14. What type of maintenance is required on solar panels? Cleaning panels at least once a year. System should be checked annually and settings adjusted as needed to maintain best performance. Thermal systems need to have the glycol fluid checked annually and changed as required. 15. Are there any tax breaks or refunds available for installing a solar system? Yes. Federal and state tax credits are available now and for the next 8 years. Check www.dsireusa.org for details. Generally,
Carl W. Oberer - 280-5016
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Unsettling Times Still Offer Opportunities for Investors
I
f Frank Sinatra were around, he might not sing “It Was a Very Good Year” in front of a bunch of investors. In fact, after pondering the chaos of the past few weeks, many people might think this is a terrible time to invest in the stock market. However, history often has a way of turning the tables. Certainly, there’s reason for concern. After all, Congress has just approved a $700 billion bailout of the financial services industry, following the collapse of some major Wall Street firms and large banks. And the Dow Jones Industrial Average has fallen more than 25 percent since its all-time high in October 2007. And yet, we’ve certainly had other years in which the investment landscape seemed grim. For example, in 1973, a series of events — including the Watergate scandal, the OPEC oil embargo, the Vietnam War and the resignation of Vice President Spiro Agnew — had shaken the public’s morale. Given all this, you might have thought that 1973 was a bad year in which to invest in the stock market. But you’d have been wrong. From Nov. 30, 1973, to Nov. 30, 1983, the S&P 500 recorded an average annual
return of 10.9 percent. So, if you had invested $10,000 in the market at the beginning of that period and reinvested the dividends, it would have grown to $28,139 by the end. (Keep in mind, however, that the S & P 500 is an unmanaged index, and you cannot invest directly into it.) Of course, as you’ve heard, “past performance cannot guarantee future results.” And some significant differences exist between 1973 and 2008. In 1973, most of the problems that worried investors were external to the financial markets. This year, it’s the markets themselves that have turned somewhat toxic. Still, there’s some cause for optimism. Consider the following: • Bailout may improve business climate — One of the chief goals of the $700 billion bailout is to inject some much-needed cash into the financial system, which has been rendered almost illiquid by the subprime mortgage crisis. Increased liquidity means that businesses will have easier access to credit — and all companies need credit to expand their operations and become profitable. Obviously, the greater the number of successful companies, the more investment opportu-
nities become available. • Regulatory climate may change — While several factors are responsible for our current turmoil, one key culprit appears to be the lack of appropriate regulation over some aspects of the financial markets. It seems quite likely that lawmakers, in the near future, will develop some new regulatory guidelines that may help prevent a recurrence of the events of this year. • Stocks are attractively priced — Look for quality stocks — representing companies with competitive products, strong management and long track records of profitability — and consider buying these stocks when their price is low Typically, quality stocks are the first to rebound when the market recovers. Here’s the bottom line: The investment climate may be brighter tomorrow — and you can find good stocks at lower prices today. So don’t stick your money under the mattress. Years from now, you may look back and realize that 2008 was, indeed, a very good year in which to continue investing.
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As we approach Halloween, you’ll spot many ghouls, ghosts and graves, which you probably will find more amusing than frightening. However, whether it’s Halloween or not, you can encounter things that truly might threaten your future well-being — such as scary investment moves. Here are a few of these “terrifying tactics” you’ll want to avoid: Investing too conservatively — When most people think of making investment mistakes, they’re probably worried about investing too aggressively. And, of course, you don’t want to take unnecessary risks. But what you might not realize is that “playing it safe” can be just as dangerous to your long-term goals. If you consistently put most of your investment dollars into fixed-rate vehicles, such as Certificates of Deposit (CDs) and Treasury bills, you might not even earn enough to stay ahead of inflation, much less achieve the growth you need to pay for a retirement that could last two or three decades. Consequently, you will need some exposure to growth-oriented
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vehicles, such as stocks. While it’s true that stock prices will fluctuate, and you do risk losing some or your entire principal, you can lessen this risk by purchasing quality stocks and holding them for the long term. Timing the market—Too many people jump in the market when they think it’s going up and get out when they feel it’s going down. But it’s impossible for anyone to really predict market highs and lows — and if you base your investment decisions on this type of “market timing,” you could end up hurting your progress toward your financial objectives. For example, if you stop investing when you think a slump is coming, but the market quickly turns around, you’ll miss the opening stages of a rally, when the biggest gains are often recorded. Over-reacting to bad news — Wars, corporate scandals and natural disasters, among other occurrences, often send investors scurrying to the sidelines, convinced that the bad news will lead to a severe market decline. Typically, though, any decline following a significant, negatively perceived event, is short-lived, and, in many cases, the market recoups its losses and moves to higher levels within a matter of months. Chasing “hot” stocks — You can get stock “tips” from everyone — friends, neighbors, magazines, the Internet, talking heads on television and so on. Some of these tips come from well-informed sources, while others do not, but they all have one thing in common — they’re essentially worthless to you. For one thing, by the time you get a tip for a “hot” stock, it may already be cooling down. But more importantly, the stock may not be appropriate for your individual situation. If, for instance, you buy shares of a company that is very similar to other companies you already own, and an economic downturn affects the industry to which those companies belong, you will hurt, rather than help, your portfolio by purchasing the socalled hot stock. You’re much better off by ignoring these tips and focusing on building a portfolio that is suitable for your risk tolerance, time horizon and long-term goals. By avoiding these “scary” investment moves, you can help yourself achieve some results that aren’t too frightful — in fact, they may eventually be sweeter than the best Halloween candy. This article was provided by Carl Oberer, an investment respresentative with the financial services firm Edward Jones, Member SIPC.
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Ten Good Reasons to Create an Estate Plan Now by Kathryn Cook DeAngelo, Esq. CELA† Elder Law
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Many people think that estate plans are for someone else, not them. They may rationalize that they are too young or don’t have enough money to reap the benefits, tax or otherwise, of an estate plan. But as the following list makes clear, estate planning is for everyone, regardless of age or net Call To Schedule Your Application Appointment or worth. Think of it as “people planning” or leaving a legacy To Place An Application In Person to your family and/or friends. 200 Montford Rd., Georgetown, S.C. 1. Loss of capacity. What if you become incompetent and EQUAL HOUSING OPPORTUNITY unable to manage your own affairs? Without a plan the Office Hrs. Mon. thru Fri. 8:30am - 5:00pm courts will select the person to manage your affairs. With a Phone: (843) 527-1137 TDD Relay No. (800) 855-1155 plan, you pick that person through the use of a legal document. 2. Minor children or minor grandchildren. Who will raise your children if you die? Or what about minor grandchildren that you may be raising? Without a plan, a court will make that decision. With a plan, you are able to nominate the guardian of your choice. 3. Dying without a will. Who will inherit your assets? Without a plan, your probate assets pass to your heirs according to your state’s laws of intestacy (dying without a will). Your family members (and perhaps not the ones you would choose) will receive your probate assets without benefit of your direction or of trust protection. With a plan, you decide who gets your probate assets, and when and how they receive them. Imagine a camera the diameter of a pencil becoming the surgeon’s eye and 4. Blended families. What if your family is the result of multiple marriages? Without a plan, children from different marriages instruments no bigger than a paper clip serving as the surgeon’s hands. may not be treated as you would wish. With a plan, you determine what goes to your current spouse and to the children from a prior marriage or marriages. 5. Children or a spouse with special needs. Without a plan, a It’s happening in the Myrtle Beach area at: child with special needs or a spouse who is on Medicaid for nursing home risks being disqualified from receiving Medicaid or SSI benefits, and may have to use his or her inheritance to pay for care. With a plan, you can set up a trust that can allow the child or spouse to remain eligible for government benefits while using the trust assets to pay for luxuries and other non-covered expenses. 6. Keeping assets in the family. Would you prefer that your assets stay in your own family? Without a plan, your child’s spouse may wind up with your money if your child passes away QUALITY SERVICES RIGHT HERE AT HOME: prematurely. If your child divorces his or her current spouse, a portion of your assets could go to the spouse in the divorce. With a plan, you can set up a trust that ensures that your assets will Patients in Myrtle Beach and surrounding areas no longer need to travel to Charleston stay in your family and, for example, pass to your grandchildren. or elsewhere for Advanced Laparoscopic Gastrointestinal/Abdominal Surgical needs, 7. Financial security. Will your spouse and children be able to Laparoscopic Weight Loss Surgery (Bariatric Surgery), survive financially? Without a plan and the income replacement provided by life insurance, your family may be unable to mainMinimally Invasive Endovascular and Breast Surgery. tain its current living standard. With a plan, life insurance can mean that your family will enjoy financial security. Here at Advanced Surgical Associates we offer patients the benefit of Minimally Invasive 8. Retirement accounts. Do you have an IRA or similar retirement account? Without a plan, your designated beneficiary for surgical techniques for a host of conditions. Our highly-trained surgeons have completed the retirement account funds may not reflect your current wishes extra training in Advanced Minimally Invasive Surgery and have extensive experience in and may result in burdensome tax consequences for your heirs minimally invasive techniques as applied to the art and discipline of surgical care. (although the rules regarding the designation of a beneficiary have been changed considerably). With a plan, you can choose the optimal beneficiary. The areas only Center of Excellence for weight loss surgery 9. Business ownership. Do you own a business? Without a plan, you don’t name a successor, thus risking that your family and the areas only Board Certified Female General Surgeon! could lose control of the business. With a plan, you choose who will own and control the business after you are gone. 10. Avoiding probate. Without a plan, your estate may be subject to delays and excess fees. This depends on the state and the Meet the Advanced Surgical Team: state’s probate laws. In most “simple estates,” the probate process in South Carolina is brief and relatively inexpensive. Of course, in the probate process, your assets will be a matter of public record Donald A. Balder, Lael Elizabeth Forbes, and all heirs, even if not devisees in the Will, have to be notified MD, FACS, MD, FACS, of the probate. With a plan, you can structure things so that probate can be avoided entirely. The classic legal tool for avoiding Board Certified in General Board Certified In probate is the revocable living trust. However, there are pros and Surgery, Specializing in General Surgery, cons and advantages and disadvantages involved with a revocaMinimally Invasive Surgery Specializing in Minimally ble living trust, and it is not a “one-size-fits-all” estate plan. including Endovascular & Invasive Surgery Kathryn Cook DeAngelo, Esq. CELA†, Elder Law Attorney, 1500 U.S. Vein Surgeries including Breast Surgery Hwy. 17 N., The Courtyard, Suite 214. Surfside Beach, SC 29587-5667 843-238-8422 Website: Elderlawanswers.com
Happy Thanksgiving
The key to less pain, less scarring and faster healing time: Advanced Minimally Invasive Surgery
Source: elderlawanswers.com. The information in this article was prepared as general and supplemental information and may not be applicable to the reader’s particular legal needs or circumstances. It should not be relied upon as a substitute for legal or other professional services. For such services, consult a competent professional advisor.
Serving Horry & Georgetown Counties at several locations To Make an Appointment Call: 843-347-3900 Websites: scnow.com (click on Health CONNECTIONS) advancedsurgicalassociates.com
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NOVEMBER 2008
SeniorSuper Store
How to Cut Seniors’ Healthcare Costs
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his is an example of the free health resource we provide to visitors of the Community Room of www.SeniorSSuperStoreS.com in an effort to keep baby boomers, seniors and the elderly informed of matters that can affect their lifestyle. We thank our friends at Fitness and Freebies for contributing to this article. At www.FitnessAndFreebies.com you will find fitness products for seniors provided by a fitness and nutrition expert! The site features nutrition, health, diet, and fitness tips, spe-
cial dietary and tempting recipes, articles, and FREE E-Cookbooks - all Dedicated to your health! If you are a baby boomer, a senior, or a senior citizen, you can use the following tips to reduce both your costs of healthcare and your need for it. When sick: 1. Learn your body. Get a baseline physical. Consult with your doctor to know what your body’s weaknesses are. 2. Be an active patient. Think of your doctor as the coach—one who
Gerald Tiller, MD, Richard DeChamplain, MD , Carole Young, MD, Walter Mayo, OD John Hazelton, MD, Gail Royal, MD, Frank Sloan, MD, Charles J. Doering, MD For over a quarter century, Coastal Eye Group, PC has been serving the Grand Strand with a comprehensive range of medical and surgical Eyecare. Our team of professionals includes board-certified ophthalmologists and optometrists offering the latest in Laser Vision Correction with subspecialties in corneal diseases and glaucoma. Our broad-based Eyecare is convenient with four main offices and one certified ambulatory surgery center.
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needs 110% from you. It is your job to get well, not your doctor’s job to heal you! 3. Become an expert. Always investigate anything your doctor tells you. If your doctor says you have heart disease, get at least five books on heart disease and study them. To stay healthy: 1. Watch your diet. Keep it simple and basic. The low-fat fad will pass, because such diets do not work. What you need to do, instead, is stay away from foods that are highly processed (your body does not work well with them), deep-fried, or high in sugar. Bear in mind, most flour products are so over-refined, they are almost like sugar pills—and they will drive your insulin level sky-high. 2. Exercise regularly. This is where many people cut too many corners. Take the stairs instead of the elevator. Go for walks after supper. Stay away from that television. Get some free exercise information plus excellent equipment to help you get in shape and stay in shape. 3. Sleep regularly. This means no weekend binges; your body takes a long time to adjust to schedule changes. The bi-annual “daylight
Answer To Super Crossword
wasting� clock change that takes place in much of the world is terrible in terms of health. But, it’s not as bad as chronic late nights and sleep ins on weekends and holidays. Stick to your sleep schedule, and you will have more energy and better health. If sleep is a mystery to you, then maybe you should study a book about sleep. 4. Find a purpose. Many people die from spiritual emptiness—a common event within a year or so of retirement. Spirituality is not an automatic result of participating in religious activities—you must pursue this in its own right. One way is to volunteer some time to a charitable organization and become passionately involved. There are many other ways—seek, and you shall find. If you want to seek more quickly, you can find a book or two on spirituality to get you going. 5. Be happy. This doesn’t happen accidentally; you need to work at it. Take care of the important things in your life. Identify your stressors, and reduce or eliminate them. Look for the good in others. Need a quick laugh? Check out the “Stress, Humor and Aging� selection of humorous aging articles in our Free Health Resources at www.SeniorSSuperStoreS.com. Or go see a funny movie; rent or buy a funny movie. 6. Get outside. Walk in a park; ride a bike. Just don’t get too much sun— this ages your skin and can lead to a host of other problems. If you do get sick, do two things: 1. Learn as much as you can about your illness. Ask your doctor for resource information. 2. Get a second opinion. Compare the two, and find out why each doctor thinks as he / she does. The old adage that “data is knowledge and knowledge is power� hold true here; the more data and knowledge you can obtain about your body and health, the more you can influence your health! Go to, www.SeniorSSuperStoreS.com.
Dr. Jeff Horowitz
IT’S DENTAL Q & A TIME! I wanted to use this month’s article to say “Thank You� to all of you who read these sometimes long-winded articles. I have had such great feedback from patients who have called, e-mailed or pulled me aside to say that they have found the information to be very helpful. Over the years, I have noticed that it is usually the same questions that repeatedly pop up. With that in mind I thought it would be useful to answer several dental questions. 1. What is the difference between white and silver fillings? There are several reasons why white or teeth colored filling materials (composites or ceramics) are now superior to silver fillings (amalgam). First and most important, composite fillings and ceramics actually bond to, and become part of the tooth. Therefore, it is possible to fill cavities when they are small, before they penetrate deep into the tooth, and they do not expand or weaken the tooth. Also worth mentioning is how great they look! Silver fillings, or amalgam on the other hand does not stick or bond to tooth structure and we have to remove extra tooth structure just to hold them in. We could not fill cavities too early, because if the filling was too thin it would fracture. The worst property about amalgam is that it continues to expand with age. This is a major cause of tooth fractures, as enamel does not have the ability to expand. As a rule, silver fillings weaken teeth. Don’t get me wrong, for the last 80 years or so, amalgam was the best we had, and in fact, there are still some rare cases when it can still be used. These days, composite and ceramics are by far, the superior choice. 2. What is the difference between Bonding and Veneers? Bonding is an old term for directly placing white filling material (composite) over the front teeth to reshape them as well as change the color. Veneers are
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thin shells of ceramic that are created at a dental laboratory and are customized for your smile. These thin shells or Laminates are then bonded to the front surfaces of the front teeth and can also change the shape, size, color and alignment of these teeth. Both procedures can dramatically improve your smile. The difference; While bonding (direct composites) may be less expensive initially, the repair and replacement factor is greater with these restorations. The composite is not as dense as the ceramic veneers are, and therefore, will stain much faster under the same conditions. The direct composite is also not quite as strong, so chipping is also more common. Ceramic Veneers will also hold their polish longer. There are indications for both, but as a general rule, I prefer to treat multiple teeth with veneers. Dr Horowitz is a 1991 graduate of The Medical University of South Carolina, College of Dental Medicine and completed a General practice residency at the Mountainside Hospital In Montclair, N.J. He is a Fellow of the Academy of General Dentistry as well as a member of the American Academy of Cosmetic Dentistry, the American Orthodontic Society, and The American Dental Association. He is the owner and dentist at the Carolina Center for Cosmetic and Restorative Dentistry at 1515 9th Ave., Conway, S.C. He can be contacted at (843) 248-3843 or via the practice website. www.carolinacosmeticdental.com
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By Kathy Foxworth, LITUS* Properties
May 8 - 17, 2009 Cat. B: $4665.00 ...Cat. A: $4715.00 ... Cat. P: $4815.00
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Easy N0-BAKE Caramel Cream Pie
used Eagle Brand)
(Make it even easier...look in the Mexican section for small cans of precaramelized sweetened condensed milk.... It’s called Dulce la Leche. This does not need to be cooked because it’s so thick...just pour it into a pie shell and pop in the fridge overnight.)
Microwave: Pour condensed milk into 2-quart glass measure. Microwave on 1/2 power MEDIUM for 4 minutes, stirring after 2 minutes. Reduce to 1/3 power (LOW); Microwave 12 to 16 minutes or until thick and light caramel colored, stirring briskly every 2 minutes until smooth. Cool. Chill.
One Chocolate Pie Crust Homemade or Store bought. 2 Cans Sweetened Condensed Milk 1 Tub Cool Whip Toppings of Your Choice (Oreo’s, Heath Bar Bits, etc) Caramelize the condensed milk. Pour into crust. Refrigerate. Top with Cool Whip and Toppings! To Caramelize Condensed Milk: (we
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Stovetop: Pour condensed milk into top of double boiler and cover. Place over boiling water, over low heat; simmer one to one and a half hours or until thick and light caramel colored. Beat until smooth. Cool. Chill. This is a RICH, FABULOUS, SIMPLE DESSERT!
“Our Community Just Got Healthier With The Opening Of...”
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Ten Questions You Must Ask a REALTOR Before You List or... You Could Lose Big!
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Part 1 Most of us sell only a small number of homes in our lifetimes. With limited experience in real estate how are we to be capable of maximizing the profits from our home sale? Many home sellers make the critical mistake of thinking all REALTORS or licensed real estate agents are the same. They list with the first agent who comes along. Does it make good business sense to put the responsibility of selling your home with someone who has no plan or qualifications? This special report will educate you with valuable information that will help you make the best decision concerning: Which REALTOR or real estate agent should you list with? Start by doing a few hours of research. Ask around... get to know who has the most signs, ads and marketing material in your neighborhood. Who’s the most active REALTOR or agent? Compile a list of REALTOR or agent names and use these questions to help you determine which agent is right for you. 1. Could you send me some information about yourself? You can often get a good idea of which REALTOR or agents are the most professional by looking at their promotional materials. If their own materials aren’t professional, how well are they going to market your home? Track how long each agent takes to respond to your request and how quickly they follow up. If they don’t respond efficiently to your listing requests imagine how they’ll handle potential home buyers. 2. How many homes have you listed and how many homes
have you sold in the last six months? - Look for an agent who has experience with homes similar to yours and is active in your area. If your home has special features look for an agent with experience in those areas. Your REALTOR or agent should have a good record of selling homes, not just listing them. After all, this is your ultimate goal. 3. What is your average length of time from listed to sold? Don’t automatically assume the shorter time on the market the better. That could reflect selling homes quickly at lowball prices. Look at what the asking price was compared to the selling price. The REALTOR or agent who sells close to the asking price and quick is effective at helping clients determine the right price and helping them get it. 4. How long have you been in business and what professional organizations do you belong to?-The length of time that a REALTOR or real estate agent has been licensed is not a sure fire sign that they’ve been an active seller. They may have been in business for 10 years but only part time, whereas the REALTOR or agent who’s been in business for 2 years may be a real top producer. So take into account what professional organizations they belong to. The minimum should be a licensed professional who’s a member of the local real estate board and Multiple Listing Service as well as the state and National Association of REALTORS. Local community groups and associations are also pluses in terms of networking and commitment. Next month Part 2 questions five (5) to ten (10) We sincerely hope these tips and ideas are of value to you. If there is any way we can be of service please contact our office. We would consider it a privilege to be of service to you! If you would like a FREE consultation call our office at: 843-449-9000.
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Self-Actualization Therapy
NOVEMBER 2008
PROBATE 101
Subject Matter Jurisdiction By Deirdre W. Edmonds, Horry County Judge of Probate
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with
Carolyn M. Ball, MA, LPC
Self-Actualization means finding that dynamic, happy person who lives inside of you. Depression, anxiety, addictions, and patterns of abuse do not have to run your life. Compassionate counseling based on 20 years of experience. 843-272-4114
When discussing our court or judicial system, one important matter that is often addressed is the issue of subject matter jurisdiction. Subject matter jurisdiction is that essential element that says what kinds of cases a particular court handles. It is the authority or power granted to the court by the constitution and laws of a state to hear and determine cases of a general class or subject matter. A court must have jurisdiction or authority over a particular type of case in order for the matter to be handled or heard by that court. In terms of our judicial system in South Carolina, criminal matters are generally handled in criminal courts and civil matters such as contract disputes, personal injury matters, and other disputes between private citizens are usually handled in civil court. Matters such as divorces and child custody issues are handled in our family courts. We also have a magistrate’s court system in our state, often referred to as small claims court, traffic courts, and other administrative types of courts. Included in South Carolina’s court system is the Probate Court. Like most other
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courts, the Probate Court has limited jurisdiction or authority and can only handle or hear certain, specific types of cases. In addition to handling only certain types of cases, South Carolina law also provides that certain types of cases must be initiated or commenced only in the Probate Court and nowhere else. That is, you cannot go to another court such as family, civil, or magistrate’s court to file your lawsuit or case if it must be initiated in the Probate Court. The following types of cases must be initiated or commenced in the Probate Court: 1. Matters involving estates of deceased persons. – These matters include cases to contest a person’s last will and testament, cases to construe or determine what a person’s last will and testament means, cases determining a deceased person’s heirs, disputes regarding what property a deceased person owned at his or her death, how a deceased person’s assets and property are to be divided among their heirs, and who has authority to handle a person’s affairs and estate after their death. Also included are matters involving the administration of a deceased person’s estates. 2. Matters involving incapacitated persons. – These matters deal with adults who are unable to handle their financial and/or personal affairs or make decisions for themselves because of mental illness or mental deficiency, physical illness or disability, advanced age, chronic use of drugs, including alcohol, or other debilitating causes. Such persons may need the appointment of a guardian and/or conservator to handle their personal affairs or the Court’s approval for certain things to be done for these persons or with their property. 3. Matters involving estates of minors. – These matters deal with minors who receive money or property as a result of inheritance, injury or through other means. If the money or property generally exceeds $10,000, a family member or adult must be appointed by the Probate Court to handle the money or property until the minor reaches the age of 18. In addition, if a minor inherits or receives an interest in real property, such property cannot be sold, transferred or mortgaged without the approval of the Probate Court. 4. Matters involving the internal affairs of trusts. – These matters include trusts set up during a person’s lifetime or at death
and include determining what the trust means, who is entitled to the trust, what property is included in the trust and who is to mange the trust. (The Probate Court has concurrent jurisdiction with the circuit court over proceedings concerning the external affairs of trusts.) 5. Matters involving involuntary commitment of persons. – These matters involve persons who are suffering from mental illness, mental retardation, drug and alcohol addiction, and pulmonary tuberculosis and who must be committed by the court against their will for involuntary inpatient or outpatient treatment. In addition to the foregoing matters of exclusive original jurisdiction, the Probate Court also has concurrent jurisdiction with the circuit courts over certain matters involving wrongful death settlements, personal injury settlements for minors, and matters involving powers of attorney. These matters can be brought or commenced in either the Probate Court or the circuit court. Another matter, although primarily administrative, handled exclusively by the Probate Courts in South Carolina is the issuance of marriage licenses for persons to be married in South Carolina. The Probate Court also is charged with recording and indexing marriages in the County. Like many other areas of our country, Horry County has exploded in growth over the last fifteen to twenty years in terms of population and also as a vacation destination. Given the jurisdiction or types of cases and matters handled in the Probate Court, our Probate Court has experienced this county’s tremendous growth in the number of estates administrations handled each year, the number of cases filed in our Court each year and in the number of marriage licenses issued each year. We can only surmise that as this County continues to grow, so will the caseload in the Probate Court. (The information provided in this article is for informational purposes only and is of a general nature. The information should not be construed as legal advice. If you have any questions about the subject matter of this article or related matters, you should consult with a professional advisor for advice. The Horry County Probate Court is located in the Horry County Government and Judicial Center, 1301 2nd Avenue, Conway, South Carolina. The telephone number for Judge Edmonds and the Court is (843) 915-5370. Office Hours are 8:00 A.M. to 5:00 P.M. The Horry County Probate Court also has two (2) satellite offices: In Little River at the Ralph Ellis Building, Corner of Highway 9 and Highway 57, Little River, South Carolina; (843) 915-5372. At the South Strand County Complex, off Holmestown Road at 9630 Scipio Lane, Surfside Beach, South Carolina; (843) 915-5371; Satellite Office Hours are 8:00 A.M. to 12:3O, 1:30 P.M. to 5:00 P.M., Monday through Friday; Tuesday until 3:30 P.M)
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COMMUNITY HOSPICE CARE
VOLUNTEERS We are a full-service hospice provider, looking for good-hearted, compassionate volunteers to provide companionship to our hospice patients. Our mission is based on the hospice concept of care; enhancing the quality of life and preserving the dignity of individuals with limited life expectancies. We provide all of the necessary training, and have numerous volunteer opportunities available throughout the state of South Carolina. For more information or to find the office closest to you, please
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HealthCare AT A G LANCE ALTERNATIVE MEDICINE Alternative Health Clinic M.B. 692-9243 AUDIOLOGISTS Advanced Audiology NMB, MB, Loris Surfside Beach, Conway 1-866-369 HEAR (4327) Hearing Health Care M.B. 497-6156 Conway 488-2717 BREAST HEALTH Coastal Carolina Breast Center M.I. 651-3308 DIABETES GSRMC Diabetes Self-Management Program Mary Ellen Scarborough, 692-9526 HOME HEALTH CARE Caregivers of South Carolina $11.50 hr. $125 live-in rate Horry/Georgetown 347-6440 HOSPITALS Brunswick Community Hospital (910)755-8121 Conway Medical Center 347-7111 Georgetown Memorial Hospital 527-7000 Grand Strand Regional Medical Center 692-1000 Loris Community Hospital 716-7000 Marion Hospital 431-2000 Waccamaw Community Hospital 652-1000 INFUSION SERVICES Responsive Solutions Inc. M.B. 843-497-5433 Toll-Free 800-494-9229 OPHTHALMOLOGY Carolinas Centers for Sight M.B. 449-7115 Geo. 546-8421 Little River 280-8779 Florence 664-9393 Murrells Inlet 652-3937
PHYSICAL THERAPY Atlantic Physical Therapy & Rehabilitation, Inc. M.B. 293-7713 N.M.B. 249-7232 Carolina Forest 903-4940 Conway 234-0015 Professional Rehabilitation Services, Inc Pawleys Island 235-0200 Specialty Physical Therapy 650-4461 PODIATRY Coastal Podiatry MB 449-8079 Conway Podiatry Center Conway 234-9100 RADIATION THERAPY Carolina Regional Cancer Center M.B. 449-9415 REHABILITATION FACILITY Med Star Conway 347-1504 RETIREMENT LIVING Agape Senior Garden City 357-0200 Prince George Village Geo. 546-6101 The Lakes at Litchfield 235-3777 SENIOR HEALTH CARE The North Strand Senior Health Center Little River 281-2778 The South Strand Senior Health Center Surfside 839-6162 Carolina Forest Senior Health Center 236-5700 SURGERY
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• Open for
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CMYK
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NOVEMBER 2008
THAT FIVE LETTER WORD Joyce Calabrese RN, MS
CMYK
The article that follows was written last year to celebrate National Hospice and Palliative Care Month 2007. Since that article, another friend has come into our hospice family…this friend
with cancer. I pray he “graduates” from hospice as many times, our patients get better and “flunk” hospice and need to be discharged. But…. That five letter word, DEATH, overcomes us all at some point. How we deal with it, matters. It matters to the one dying, and to their loved ones. Hospice helps “when life matters most.” Please read on. My friend is dying. I tell myself
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A wound that hasn’t healed in 30 days threatens your health and lifestyle. At the Wound Healing Center at Marion Regional Healthcare System, our proven treatment heals chronic wounds. You’ll get the latest in equipment and technology, supervised by a panel of local, skilled physicians. Our specialized care is covered by most insurance plans and Medicare. Talk to your doctor or call the Wound Healing Center at Marion Regional Healthcare System. There’s new hope for healing your wound.
Call for an evaluation. 843-431-CARE (2273)
we all die… someday. But this one hurts. Really hurts. Mr. Ciotti is an older gentleman who has been sickly for many years. However, he is not yet ready to die. He wanted to die at home, but he can’t go home. Not because of his physical needs, but because of his emotional and safety needs. He must stay in the hospital…in a sterile environment where he is called “Mister” and his spouse of the last two decades is not recognized as his legal wife. A major erroneous assumption was made during the admission process because the wife retained her first marriage surname. Consequently, the wife was listed as “friend”, not spouse. Mr. Ciotti’s daughter from his first marriage (first wife died) and her family are also present. The wife and daughter don’t communicate. The daughter doesn’t recognize the wife as the legal decision maker for her father. And because of the admission error, the hospital staff doesn’t address, nor recognize, the wife as the legal guardian, either. The daughter and wife cannot come to an agreement as to what the next steps should be regarding Mr. Ciotti’s care and future. Each one is
Senior Services Directory Bookmark this on your computer www.coastal.edu/csaar/srservices
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PA G E 2 4 vying for the patient’s attention and love rather than honoring his wishes. The doctor brings the patient back to reality from his pain-reducing induced sleep to talk about his wishes. Mr. Ciotti says he doesn’t want to die yet because there is too much left undone. I understand what he means, but I fear the family doesn’t understand. He cannot go home as he requested. Years of antagonism and disrespect have come to a head. This is not the time when resentment should be present while their loved one is dying. But both parties are so tired and overwhelmed; they don’t listen; they’re filled with anger; they don’t hear, nor do they want to hear any reasoning to help get through their difficulties. Mr. Ciotti has no Living Will. No one knows what his wishes are: who should be making healthcare decisions for him when he is no longer lucid; does he want a feeding tube and CPR; what type of funeral arrangements would he prefer; how does he want people to remember him; who does he want to forgive, etc. If you are familiar with my article on Advanced Directives and the Five Wishes, you are familiar with the issues addressed by these legal forms. Mr. Ciotti has a will that stipulates division of his financial assets, but his emotional needs are not being acknowledged. I have learned so much because of my friends. They don’t realize it, but they have helped me realize that I must avidly campaign so that all of us have our Living Wills drawn up long before we actually need them. Since November is National Hospice and Palliative Care Month, Regency Hospice has adopted the crusade of educating the community about Living Wills. If you want further information on this, call the Regency Hospice office at 843-651-2335. We have a limited number of the Five Wishes document. Celebrate life by completing this form for yourself and for your loved ones. Joyce Calabrese RN, MS, Executive Director, Regency Hospice “When Life Matters Most” 651-2335
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Conway Medical Center (CMC) Auxiliary 5th Annual “Love Lights” Fund-Raising Campaign Beginning November 1, 2008 What are “Love Lights”? It’s your opportunity to honor or memorialize loved ones this holiday season. A donation of $5 or more will light one light on the Holiday Memory Tree to honor or memorialize a loved one. Your donation supports the HEALTHREACH MAMMOGRAPHY PROGRAM for low income/noninsured women. Did you know South Carolina ranks 25th in the nation for deaths from breast cancer and has one of the highest rates of uninsured women in the nation? The CMC Auxiliary asks you to partner with us in the fight against breast cancer. Please help light up the Holiday Memory Tree. A holiday card with your name is sent to the person honored, or in the case of a memorial, to a named person. The honored/memorialized person’s name is recorded in the “Love Lights” Remembrance book.
Stop by the tree lighting ceremony to be held on November 25th at 6pm in the main lobby of the Conway Medical Center and take a moment to see you
loved one’s name in the Remembrance book. Refreshments will be served.. This is a gift that truly keeps on giving by honoring/memorializing your
loved ones and supporting the HEALTHREACH MAMMOGRAPHY PROGRAM. It would be great to honor your spouse, parents, children, grandchildren, friends, neighbors, co-workers - just about anyone. A light to memorialize the loss of a loved one will keep them close to our hearts during this season. Forms are available in the main lobby of Conway Medical Center. For more information, please call 843-234-5469.
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to the treatment of venous disease, Dr. Karl Hubach is the only physician in our area Board Certified in Phlebology and one of only 248 in the country.
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843-652-5344 (LEGG)
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NOVEMBER 2008
BY Suzanne Swearengen, DOM, AP
Europe’s River Cruises Offer Value For Dollars By Marianne Levenson The all-inclusive European river cruises along the Rhine or the Danube are fast becoming the top travel destination. Having experienced this for the second time this spring, I can honestly say a European River cruise is hard to beat! My most recent experience was on the beautiful Rhine River beginning in Basel and visiting the cities of Strasbourg, Speyer, Heidelberg, Mainz, Rudesheim, Cologne, and ending in Amsterdam. Because the boats rarely carry more than 200 people - - 10 times fewer passengers than the average ocean liner - - river cruises are much more intimate and less frenzied. The main activities on board are low-impact sightseeing and relaxing on deck. You stop every day, usually for the entire day, in a historic European city. The cities themselves are usually not the major capitals except, perhaps, for the starting or ending cities. The major plus of a riverboat is that it pulls right into the middle of the well-preserved, medieval towns. Being able to explore the smaller towns and villages gives you a terrific feel for the Old World and in my opinion, are the best examples of traditional European life. You simply wander into the center of town which is only a short walk away. Although we had to change some dollars into Euros for tips to the riverboat staff and souvenirs, we otherwise spent very little beyond the basic cost of the cruise and airfare. Our cruise included three full meals daily, all of our shore excursions with knowledgeable local guides, and unlimited wine with dinner. The wines were of the region we were visiting; it was wonderful to try new and different varieties. You’ll be fed well, and the food is fabulous. We especially enjoyed the wide variety of choices and the local cheeses and breads. The sit-down dinner was of gourmet level prepared by an accomplished ship chef and his staff. There are no casinos on board the European river ships, and the clientele aren’t the kind who crave casino life. Nor are there any lip-synched, Las Vegas-style evening shows. On our ship, the Avalon Tapestry, the entertainment was provided by a wonderful pianist and singer, as well as local entertainers. The average passenger is educated, well-traveled, and over the age of 55. Families with children are uncommon, and some lines don’t even allow anyone under 12 on board. Avalon Too many times women say “I haven’t gotten my Waterways caters to the mammogram done in years because I keep forgetting.” Conway Medical Center has recently added a North American market; Mammogram reminder component to its website – therefore, crews on all www.conwaymedicalcenter.com All you need to do ships speak fluent English. is click on the pink ribbon at the top of the home page Unlike operators which are and you will be taken to our digital mammograbased in Europe and attract phy web page. You will then click on the pink ribbon again and enter the month your mammostly European passenmogram should be scheduled (If you don’t gers, you will be able to know, ask your doctor. You will also need to communicate with everymake sure you have your doctors order for one. The peak seasons are this when you schedule your actual appointment.), late spring and early fall, enter your email address and a reminder notice will be sent to you at the beginning of the month when when temperatures are neiyour mammogram should be scheduled. In this busy ther too hot nor too cold. world of ours, we’ve tried to make it easier to Marianne Levenson, “Bring Better Health to Your Life!” CWT/Thomas Hogan Travel, 1801 Oak Street, Myrtle Beach, SC 29577 843-626-9998
The war veterans of our country play a special role in our society. They are seemingly ordinary citizens doing a job to preserve the integrity of our freedom and safety. As a military brat, I have a unique perspective, and would like to point out that our military personnel are performing much more than just a job. It is a lifestyle, which demands sacrifices that go far beyond fighting and representing the United States. My father is a veteran who served two tours in the frontlines of the Vietnam War. He was shipped out while my mother was pregnant with their first child. When my sister was born, he was able to see her for a few hours before being returned to the ongoing war. When the war ended, my father, like many, was a different person. His sense of humor had changed and he was no longer the life of the party that my mother had married. I have witnessed this personality transformation in friends who served in other wars since. As a healthcare professional I understand this to be a direct effect of stress, exposure to toxins, and a com-
promised living environment. This is a small taste of what military life entails during a time of war. In times of peace, there are still issues that arise. Families endure frequent moves, often with little notice of when or where one will be sent. Sometimes families are separated for extended periods of time. Death or serious injury is always a possibility. There is a positive side to military life. It can be exciting to live in other areas of the world. Being stationed in Germany throughout my childhood was a blessing to me. I feel that I had the best of both worlds. A special “Thank You!” to all Veterans and Military personnel who helped make that possible. If you cross paths with an individual in military uniform, take a moment to thank them for their service and sacrifices. It only takes a second and it could change a life. Suzanne Swearengen, DOM, AP is a board certified, licensed Acupuncture Physician. In her work, she strives to provide compassionate care for individuals seeking holistic solutions for ailments, illnesses, and maintenance of good health. Specialties include sleep issues, digestive disorders, and stress management. For information or an appointment please call the Alternative Healthcare Clinic at (843) 3475445 or 692-9243.
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Five Myths About Foot Care
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By Dr. William Parker
To us, non-healing wounds are just wounds that haven’t healed yet…but they will. Healing hard to heal wounds is our specialty. Georgetown Hospital System's NextStep Wound Healing Center brings together the latest technology and the most caring staff of wound experts to prove that “non-healing” wounds can heal! Call us or ask your doctor for a referral and let us show you how to reclaim your life.
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“Don’t cross your eyes, they’ll stay that way!” Old wives’ tales and myths like that example are fun to laugh at. We believed them as children. “Step on a crack and you’ll break your mother’s back.” But there are other myths that are no laughing matter, especially when they involve your health. From bunions to broken toes, foot and ankle surgeon Dr. William Parker, DPM has heard it all. Dr. Parker treats patients at Conway Podiatry Center. He shares five myths about foot care and the realities behind them. Myth #1: Nothing can be done for a broken toe. Reality: 19 of the 26 bones in the foot are toe bones. “What I tell patients is, there are things we can do to make a broken toe heal better, faster and prevent problems later on, like arthritis or toe deformities,” Dr. Parker says. Many long term problems can be avoided by setting a broken or dislocated toe in a simple painless office procedure. Broken toes that aren’t treated correctly can also make walking and wearing shoes difficult. A foot and ankle surgeon will xray the toe to learn more about the fracture. Some severe fractures of toes may require surgery. Yes, your broken toe will heal on its own. The important question is “how will it heal?” Myth #2: My foot or ankle can’t be broken if I can walk on it. Reality: It’s entirely possible to walk on a foot or ankle with a broken bone. “It depends on your threshold for pain, as well as the severity of the injury,” says Dr. Parker. But it’s not a smart idea. Walking with a broken bone can cause further damage that could lead to surgery or permanent pain. It is crucial to stay off an injured foot until diagnosis by a foot and ankle surgeon. Until then, apply ice and elevate the foot to reduce pain. Myth #3: Shoes cause bunions. Reality: Bunions are most often caused
by an inherited faulty mechanical structure of the foot. It is not the bunion itself that is inherited, but certain foot types make a person prone to developing a bunion. While wearing shoes that crowd the toes together can, over time, make bunions more painful, shoes themselves do not cause bunions. Although some treatments can ease the pain of bunions, only surgery can correct the deformity. Myth #4: Cutting a notch (a “V”) in a toenail will relieve the pain of ingrown toenails. Reality: When a toenail is ingrown, the nail curves downward and grows into the skin. Cutting a “V” in the toenail does not affect its growth. New nail growth will continue to curve downward. Cutting a “V” may actually cause more problems and is painful in many cases. Myth #5: Corns have roots. Reality: A corn is a small build-up of skin caused by friction. Dr. Parker says many corns result from a hammertoe deformity, where the toe knuckle rubs against the shoe. The only way to eliminate these corns on a permanent basis is to surgically correct the hammertoe condition. Unlike a callus, a corn has a central core of hard material. But corns do not have roots. Attempting to cut off a corn or applying medicated corn pads can lead to serious infection or even amputation. A foot and ankle surgeon can safely evaluate and treat corns and the conditions contributing to them. Dr. Parker says that he spends a lot of time with patients having to debunk these and many other false ideas about health conditions. There is an old saying that “knowledge is power.” Knowledge can also be the key to comfort and a better quality of of life when it comes to your health. To make an appointment with Dr. Parker, contact his office at (843) 234-9100 or visit his Web site at www.ConwayPodiatry.com or www.CarolinaCryosurgery.com. For additional foot care myths, visit the American College of Foot and Ankle Surgeons’ consumer Web site, FootPhysicians.com.
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How to keep warm at night without feeling guilty Rising energy costs have Americans rethinking traditional, renewable heat: Wood! By Tom Parks
NOVEMBER 2008
illegal because of air pollution. A. Typical prefab or manufactured woodburning fireplaces, which have been common in new homes for the last three or four decades, are illegal in parts of Colorado, California, Oregon and Washington (and more places all of the time) because of the production of smoke associated with uncontrolled burning. Open woodburning fireplaces are also not allowed in Energy Star homes or in the NAHB (National Association of Home Builders) Green Building program either, so we might see the master building codes make them illegal soon. That being said, EPA-rated woodburning appliances – fireplaces, inserts and stoves – are allowed in all of those places and do not significantly add to air pollution. Some describe efficient wood burning as “carbon neu-
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tral” because burning wood efficiently releases as much CO2 to the atmosphere as letting the same tree decay on the forest floor. Q. What about wood pellets? I’ve heard a lot about them from my friends up north. A. Wood pellets are a very “green” alternative to burning cordwood. Pellets are made from reclaimed waste products and burn very cleanly with little ash, so they are ecologically smart in several ways. One of the downsides to using pellet fuels in our climate is that the appliances are designed to operate – burn – at optimum rates to maintain the efficiency, and, generally, it doesn’t stay cold enough here in the coastal Carolinas to be able to operate pellet stoves continuously at these rates. The other disadvantage – and this is subjective – is the fire is not as pretty as a
typical wood fire. All that being said, wood pellets and other “biomass” fuels like cherry pits, corn, coffee husks, etc., are coming on strong as options to fossil fuels or electricity for heat. Q. I’m not sure if I am ready to go back to burning wood just yet, but I’d like to get more information. Where do I go? A. Your best bet is to have a conversation with a National Fireplace Institute wood specialist to discuss your situation and your options. You can find a local professional at www.nficertified.org You can also learn more about fireplaces in general at the official Hearth, Patio & Barbecue website: www.hpba.org Tom Parks is the answer guy at Coastroad Hearth and Patio. He is an NFI wood and gas specialist and an instructor for the Hearth, Patio and Barbecue Education Foundation.
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Here in the mild-wintered South, we don’t face the harsh temperatures that our northern neighbors do, but we still like to feel cozy in our homes. Economic concerns are causing a growing number of homeowners to rethink an old favorite, wood. Here are some frequently asked questions and answers that might help you to face the uncertain times ahead with an informed viewpoint. Q. Why would I bother to heat with wood? It’s so messy and inconvenient. A. Wood is a 100% renewable, local resource, and if you are like a lot of folks around here and you occasionally lose a tree to high winds, you might just have some free energy lying around the yard already. If you are not the type to cut and stack wood yourself, you may be able to convince some teenage boys that cutting, splitting and stacking wood build muscles and character, which are characteristics lacking in the video-gaming, text-messaging youth of today. The quality of heat from wood is much superior to the tepid air coming from a typical heat pump. And, if you burn good, dry, seasoned wood in an efficient woodburning appliance, there is very little ash to clean up. Done right, burning wood has many advantages. Q. I prefer a big, open fire to closed glass doors on my fireplace. Is there a way to get some good heat efficiency with an open fire? A. In short, no. Sorry. Here’s the long version: with an open fire, as the wood fire burns and builds up a good ember base, you will get some nice radiant heat right in front of the fireplace. Unfortunately, at the same time, a properly drawing fireplace will pull large volumes of warm room air toward the fireplace and up the chimney. We generally rate the net efficiency (gain minus loss = net efficiency) of an open fireplace at zero to ten percent. On the other hand, EPArated fireplaces, inserts and stoves can have efficiencies of seventy percent or better. Q. What about the environment? I’ve heard that some places have made wood fireplaces
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Dr. Neal Shore Receives Additional Membership Accreditation
Using Your Camera Flash to Take Better Photos
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By Lisa Arnel
The Picture of Health Earlydetection detectionisisthe thekey keytotofighting fighting breast cancer. if you want to Early breast cancer. So So if you want to stay stay on top of your game, you should conduct monthly self-exams, on top of your game, you should conduct monthly self-exams, visit your visit your doctor annually a yearly mammogram. doctor annually and have a and yearlyhave mammogram.
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At Conway Medical Center, we now have digital mammography that offers the latest technology to detect breast cancer in even the largest sized breasts. The digital mammogram instantly displays clear pictures of the breast tissue on a high resolution computer monitor – a timesaver which eliminates the need to process film and reduces the need for retakes.
Most people think of their camera’s flash as a way to supplement the available light in a scene. They do not realize that the flash is a useful tool that can turn mediocre images into photos that are exciting and compelling. The flash is especially useful for photographing people. When use properly, it will add to the portrait’s drama and appeal. Flash photography is not simply for indoor use. It is a creative tool for all types of portraits, including outdoors in the shade and with backlit situations. Use the following tips to improve your images while using your flash: • If your flash isn’t adding enough light to the subject, move closer or increase your ISO setting. You can also change your “exposure compensation” (usually indicated on your camera by a (+/-) button). The plus (+) setting will add light to the scene. • Use your flash on bright, sunny days (fill flash). It may seem strange to add more light when it is already so bright, but the flash actually evens out light and makes colors pop. Fill flash should be used in bright situations where sunlight casts harsh, dark shadows on your subject’s face. The flash will lighten the shadows and allow you to see more detail. • Backlighting occurs when the background is much brighter than the light on your subject’s face, such as a person standing in front of a window or sunny sky. Use your flash to illuminate the front of the subject, otherwise your camera will meter the background, and your subject will be too dark. • Using a flash in the shade will help make the subject “pop” out of the background, making the subject the more dominant element in the photo. In order to have creative control with your flash, it is best not to use the “full auto” mode on your camera (usually indicated with a green or red box). Set your camera to Program (P) mode or one of the other metering modes offered. Remember, don’t be afraid to experiment with your settings and most of all, have fun! Lisa Arnel, Mudpie Photo Work www.mudpiephotoworks.com 843-274-9753.
Dr. Neal Shore, of Atlantic Urology Clinics was recently selected for membership to the Genitourinary Cancer Scientific Steering Committee (GUSC) of the National Cancer Institute (NCI). The GUSC functions to harmonize an efficient, cost-effective, sciencedriven and transparent process that will identify and promote the “Best Science” in GU cancer clinical research. #$!# ).45 '0-(6./3177&*.9587 ! % !" % The GUSC is one of several disease-based steering committees formed to implement the
recommendation of the Clinical Trials Working Group (CTWG). The Steering Committees are designed to provide comprehensive analysis of proposed clinical trial concepts and facilitate the sharing of ideas among a broad range of clinical, basic and translational scientists, NCI staff, Community Oncologists, Urologists, Radiation Oncologists and patient advocates in the development of those concepts. Dr. Shore is a member of Atlantic Urology Clinics as well as CURC (Carolina Urologic Research Center). He can be reached at (843) $&!# ,+ ,.21 ! 839-1679 and is located at 823 82nd Parkway, Suite B in Myrtle Beach.
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Neal D. Shore, MD, FACS, CPI is the Director of Carolina Urologic Research Center (CURC) in Myrtle Beach. Over the last ten years, he and his research team have participated in over 100 cutting edge research trials, which have made a significant impact in the treatment of patients with advanced prostate cancer, BPH (enlarged prostate), overactive bladder, bladder cancer, urinary incontinence and sexual dysfunction. Dr. Neal Shore’s dedication to conducting clinical research has improved and enriched the lives of many people in our community and has also contributed to the advancement of healthcare in the US and throughout the world. Many of the medications, therapies, and devices CURC has studied are now FDA approved and accepted for ongoing patient clinical care. For more information about the medical advances /trials taking place in our very own community, or to schedule an interview with Dr. Shore, please call Carolina Urologic Research Center (843) 839-1679,or Grand Strand Urology (843) 449-1010.
Dana Jackson, CID
At Conway Medical Center, we have two digital mammography machines, which will enable our staff to arrange a prompt appointment at your convenience. And, we are the first ISO Certified mammography facility in the state of South Carolina. Call us today at 234.5474 to schedule your digital mammogram.
www.conwaymedicalcenter.com
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What’s That You Say???
By Peggy New
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B y D r. K i m b e r l y K i n g
leave hospice care! Tidelands Hospice is the only hospice to have a Nurse Practitioner on staff who is easily and quickly accessible to answer questions, evaluate and assess a patient, prescribe medications and give care and comfort to a patient and family. In addition, Tidelands home care Clinical Leader is a certified hospice and palliative care nurse; another important benefit to choosing Tidelands hospice. Over 250 men and women volunteer for Tidelands Community Hospice. As one of two not for profit hospices in Horry and Georgetown counties and the only one in Williamsburg county, Tidelands was born 23 years ago through the efforts of grassroots volunteers who saw a need and created Tidelands Hospice to fill it. Today these men and women visit with patients, greet visitors to the Hospice House, provide administrative help, and assist with fundraising. They helped make three Good Mourning Day camps available this summer to children who experienced the death of someone they loved. Tidelands depends on these individuals to help carry out our mission of caring for those who are terminally ill. When you chose Tidelands as your hospice, you will have a team of dedicated professionals and volunteers to provide comfort and caring. As a Medicare certified hospice organization, Tidelands abides by all the federal and state regulations; as a not for profit organization, created and maintained
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HEAR’S TO YOU
Make the Best Choice - Choose Tidelands You just received the news that treatment is no longer a viable option for your disease. The doctor suggests calling hospice for care and support. You are handed a list of over 20 names – all licensed hospices in your area. How do you make the best choice for you? Tidelands Community Hospice is one of your choices; the best choice for you and your family. Why choose Tidelands? Several primary reasons are: Tidelands’ Hospice House, Nurse Practitioner, volunteers and community programs. Let’s examine these reasons more closely. In 2007 the N.E. and Ruby Green Hospice House was completed and began accepting hospice patients in need of pain and symptom control, respite and for end of life care. While most of us will prefer to be at home for our final months, there may be good reasons for a brief stay in our Hospice House with 24 hour nursing care. No one enjoys being in pain and for hospice patients this is often difficult – getting and keeping pain controlled so that it doesn’t control their lives. Tidelands staff is expert at finding the medications to do this. Tidelands Hospice House is the first one in our community and is always available for patients, families and friends to come, take a tour, ask questions and discover the number one reason for choosing Tidelands Hospice. Recently a patient was admitted, expecting to spend his last days in the Hospice House. Thanks to the expert care received from the entire hospice team, he was discharged after a week to a local assisted living facility. There is more than one way to
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• assessment of condition and ability • identification of local helping services • home visits and counseling
Recent studies have confirmed information that has been shared in this column for some time – that continual use of MP3 players and headphones can cause permanent, irreversible damage to a person’s hearing. Reports now indicate that in as little as five years, people who use these devices may have an onset of hearing loss that is clearly avoidable. The worst news is that many of these individuals are young in age. Hearing problems are no longer “an old person’s problem.” Headphones, particularly those which pipe sounds directly and closely into the ear canal have the capability of causing significant hearing loss. The reason for this is that the ear was designed to utilize its unique formation to pick up sound and transfer it into the opening of the ear canal towards the eardrum (tympanic membrane). Using headphones or “ear buds” as they are sometimes referred to, bypass the cup shaped or external part of the ear (helix, antihelix, and lobule) and pump sound directly into the canal very near the eardrum. As the sound passes through the eardrum and into the inner
ear, the small hair like cells of the inner ear can become damaged due to increased volumes of sound that they are required to process. It is sort of like a constant “erosion” of the cells as they are subjected to high levels of sound volume. Many of our young people can be seen listening to MP3 players and other “blue tooth” technological devices. The truth is that the device itself may be ok, but if the volume is accelerated, it can cause severe damage to hearing. As I have been saying for many years, if you are exposed to continuing loud noises, you must wear ear protection. Therefore, if you or someone you know is wearing a headset or ear buds and you can hear the music; it is too loud for them! Remember that hearing conservation is the best remedy for hearing problems. Once hearing loss occurs, it cannot be reversed.
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* See Eagle Crest for incentive details * Must move in by December 1, 2008
For more information about hearing or to schedule an appointment for you or someone you care about, please call my office at 663-HEAR (4327.
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NOVEMBER 2008
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November 11th Salute to Veterans at Wheelwright Auditorium
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New Documentary Film Follows a WW2 Veteran Back to the D-Day Battlefields of France
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The public is invited to attend the fourth annual “Salute to All American Veterans” — scheduled for 7:30 p.m., Tuesday, November 11th in Wheelwright Auditorium at Coastal Carolina University – which features a documentary film on a local World War II veteran’s return to the battle-
fields of D-Day. The event, which is sponsored as a public service by Goldfinch Funeral Services, Coastal Carolina University and HTC, is an annual Veterans Day tribute to local American veterans of all eras. All veterans are invited, and so are those who wish to thank them for their service. The event is free to the public, and complimentary refreshments will be available. “A Salute to All American Veterans” will include musical performances, a color guard and public recognition of all American veterans. The event will also feature the premier of a new film documentary, Back to the Battlefield: A Veteran Returns to Omaha Beach. The documentary, which was produced locally by historian Rod Gragg and video producers David Parker and Dennis Reed, follows D-Day veteran Mike Fitch of Conway back to Omaha Beach in France, where he landed on D-Day of 1944. Fitch was a 22 year-old corporal attached to the 119th Regimental Combat Team, which followed the U.S. Army Rangers onto Omaha Beach early on the morning of June 6, 1944. This past summer Fitch returned to Normandy and saw the Omaha Beach battlefield again for the first time in 64 years. Through the film, viewers follow Fitch back to Omaha Beach and other battlefield sites as he relives the events he experienced on DDay in 1944. “We hope that the community will join us in showing our deeply felt appreciation for the men and women who have worn – and are wearing — the uniforms of our armed forces,” said George Goldfinch Jr., whose firm is one of the event’s sponsors. “We’re planning a very meaning special event to honor all the veterans who live in our region or who are visiting here.” The documentary film that will be premiered at the event is the fourth film produced for the annual Veterans Day event. It is the first production to document a veteran’s return to a battlefield. In it, 90-year Mike Fitch shares on-thescene memories at Omaha Beach, from the ruins of German beach defenses, in the hedgerows, villages and farmland where the D-Day fighting raged, and at the American Cemetery overlooking Omaha Beach, where he searched this past summer for the grave of an American officer who was killed at his side during the D-Day landing.
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Recipes
Recipes to make for the grandkids over the Thanksgiving Holiday! Peanut Butter Bars Let the children help make these! 1 6oz. pkg. semisweet mini chocolate chips, melted 1/2 cup butter 2/3 cup peanut butter 1 cup firmly packed light brown sugar 1 egg, beaten 1 tsp. vanilla 1 1/4 cups all-purpose flour 1/2 tsp. baking soda 1/2 tsp. salt 1 1/2 cups quick-cooking oats, raw Spray 9x13 baking pan with cooking spray. In a lg. bowl cream the butter and peanut butter. Add the sugar, egg and vanilla. Mix well. In a separate bowl, combine the flour, soda and salt and stir into the peanut butter mixture. Stir in oats. Press 3/4 of peanut butter mixture into bottom of baking pan. Spread chocolate over top. Crumble remaining peanut butter mixture over chocolate. Bake at 350 degrees for 18-20 min. Cool before cutting into bars. Makes 24 bars. Easy Nacho Cheese Dip Serve with assorted chips (tortilla, kettle, veggie). 1/4 cup chopped green onion 1 tbsp. butter 1 8-oz can tomato sauce 1 4-oz can green chiles, drained and chopped 1 tsp. Worcestershire sauce 1 lb. Velveeta cheese, cut into small cubes dash garlic powder In a skillet sauté the onion in butter until
translucent, not brown. Add the remaining ingredients. Cook over med. heat until melted, stirring constantly. Makes 3 cups. Rice Krispie-Cheese “Crackers” These are similar to the lowcountry cheese straws or benne wafers. 2 cups grated sharp Cheddar cheese 2 cups all-purpose flour 1 cup butter, softened 2 cups Rice Krispies cereal 1/4 tsp. cayenne pepper 1/2 tsp. each paprika and salt In a large bowl mix all the ingredients and form into small balls. Place the balls on an ungreased baking sheet and press flat with the back of a fork. Bake at 350 for 10 min. Makes 100 wafers. Nutty Popcorn Remember this recipe for gift giving! 12 cups popped popcorn, unsalted 1 cup whole almonds, toasted 1 cup pecan halves, toasted 1/2 cup each butter firmly packed dark brown sugar 1/2 tsp. salt In a lg. bowl combine the popcorn and nuts and set aside. In a small saucepan melt the butter. Add the sugar and salt and cook about 30 seconds, stirring constantly. Pour the sugar mixture over the popcorn mixture, stirring until evenly coated. Spread the mixture on an ungreased 15x10 jelly roll pan. Bake at 350 for 10 min., stirring only once. Stir in airtight container. Makes 14 cups.
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Today’s Treatment Of Varicose Veins
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By Karl Hubach MD, RVT
The understanding of what causes varicose veins and how to treat them has changed over the last 10 years. New advanced treatments can now be offered in the comfort of the physician’s office with little to no down time. These changes can be attributed to the improvement in ultrasound technology and advancements in the methods to eliminate abnormal veins. The problems that varicose veins can cause
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include leg pain, swelling, skin discoloration, itching rashes, restless legs, and open sores, called ulcers. Because of these problems, the treatment of varicose veins is often not for cosmetic reasons and is a covered service by insurance. One of the most common questions we receive at Inlet Vein Specialists is, “will my insurance cover this treatment?” The answer is, “yes –if you meet your insurance’s criteria stated in your policy.” We must remember, these criteria are insurance criteria and may not be medical criteria. Most insurance policies will require: (1) that the abnormal veins to be treated have a minimum size of 3 to 4mm, (2) that the veins are causing significant symptoms, and (3) that there has not been adequate relief in symptoms from treatment with walking, leg elevation, analgesic medication, weight loss (if needed), and use of fitted graduated compression hose – for, anywhere, from 3 to 6 months, depending on the policy. In the past, treatment of varicose veins required hospitalization, general anesthesia, lengthy recovery time, large scars, and a lot of pain. This is no longer true. Treatment can now be rendered in the office, using local anesthesia (similar to what is used at the dentist or for a cut in the skin), with immediate activity, excellent cosmetic results, and minimal discomfort. One of the most important components to successful treatment is an accurate assessment of the underlying cause and source of the varicose veins. The ultrasound machine has become an indispensable tool for this purpose. It is used to map out the normal and abnormal veins in the leg, to guide the new treatment methods to affect only the areas of abnormality, and to follow the progress of treatment. There have also been important changes with the use of new technologies including lasers, radiofrequency catheters, and foam sclerotherapy. In skilled hands, these technologies have allowed for the safe elimination of large abnormal varicosities with only a needle entry to the skin. The treatment and understanding of venous disease has changed so much in the last 10 years, the American Medical Association (AMA) has recognized a new medical specialty called, Phlebology. There are currently only 248 Board Certified Phlebologists in the country. An excellent source for accurate, up to date, information on venous disease can be found at www.phlebology.org. Karl Hubach MD, RVT, Board Certified in Phlebology, Inlet Vein Specialists, PC 843–652-5344 (LEGG)
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Reverse Mortgage Funds To Cover Expenses And Achieve Dreams A QUICK Q & A GUIDE ON HOW TO OPTIMIZE RETIREMENT FUNDS WITHOUT SELLING YOUR HOME
What is a reverse mortgage?
What are the tax-free1 cash options?
• It’s a special type of loan that enables individuals aged 62 or older to convert some of their home’s equity into tax-free1 funds • Unlike traditional equity loans, you receive payments instead of making them
• Lump sum advances make cash immediately available • Tenure plans provide fixed, monthly cash advances • Line of Credit makes cash available upon request
Who is eligible? • Homeowner(s) who are at least 62 years of age and occupy the property as their primary residence • Eligible properties include single-family homes, condominiums and townhomes, or a 2- to 4-unit dwelling • The home must be owned free and clear or have a small remaining balance that can be paid off with the reverse mortgage • No income, employment or credit requirements are required2
How much can someone borrow? • The amount that can be borrowed is based on a HUD formula that factors in the age of the youngest homeowner, the interest rate, appraised value, and the county where the property is located
What are some of the benefits? • You keep title to your property until you move, sell the home, or pass away, provided all other program requirements are met. • Cash advances can be used for any purpose • Loan proceeds are not considered income and will not affect Social Security or Medicare benefits. However, your monthly reverse mortgage advances may affect your eligibility for some other programs. Consult either your local program offices or your attorney to determine how, or if, monthly reverse mortgage payments might affect your specific situation.
What type of interest rate options are there? • The reverse mortgage is a variable-rate loan linked to the one-year U.S. Treasury Security Rate • Any adjustment in the interest rate has no effect on the amount or the number of loan advances the customer can receive, but causes the loan balance to grow at a faster or slower rate
What are the costs involved with a reverse mortgage? • There are closing costs, which can be financed into the loan. These may include an origination fee, title insurance, appraisal, a mortgage insurance premium and attorney fees • Typically, the out-of-pocket expense required at closing is about $300 • The customer is expected to continue maintaining the property, paying the real estate taxes and hazard insurance premiums
How is the loan repaid? • You do not need to repay the loan as long as you or one of the borrowers continues to live in the house, keep the taxes and insurance current, and maintain the property to FHA standards • Please ask your reverse mortgage consultant for details about when repayment may be due • Any remaining home equity belongs to you or your heirs - none of your other assets will be affected by the reverse mortgage
Call me today for a complimentary consultation. Jerry A. Garner
Sales Manager Reverse Mortgage Specialist 2470 Mall Drive N. Charleston, SC 29406 843-202-3383 Tel 800-677-0566 Toll-free 843-670-4332 Cell jerry.a.garner@wellsfargo.com www.wfhm.com/jerry-garner
1. Consult a tax advisor. 2. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. Family members are also strongly encouraged to participate in these informative sessions. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2008 Wells Fargo Bank, N.A. All rights reserved. #58221 6/08-9/08
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Choosing The Right Hospice By Carole Bowdre
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Choosing the right hospice is a difficult, personal decision, as you or your loved one must have been diagnosed by a physician with a “terminal illness”. No one is ever prepared for such a pronouncement. Knowing what questions to consider before making an informed decision is
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News Magazine
Monthly publication, distributed free throughout the Horry, Marion, Georgetown, Counties. Copyright 2008. All rights reserved by Dale Publishing, Inc. Reproduction or use without writen permission is prohibited. Member of Conway Chamber of Commerce. The opinions expressed herein are exclusively those of the writers and do not necessarily reflect the position of the publisher. Dale Publishing, Inc. does not endorse or guarantee any advertiser's product or service. We reserve the right to refuse any editorial that is submitted to this publication.
PO Box 2265 Conway, SC 29528 Phone/Fax (843) 397-9020 E-Mail tarheel1@sccoast.net
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Contributing Writers Carl Oberer Jim Morgan Carolyn M. Ball Dr. Kimberly King Dr. Jeffrey Horowitz Dr. Karl Hubach Dr. William Parker Lisa Arnel Peggy New Marianne Levenson Joyce Calabrese Judge Deirdre W. Edmonds Patrick Munro Kathryn Cook DeAngelo Kathy Foxworth Deana Moore Dan Evans Suzanne Swearnegen Carole Bowdre Tom Parks
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vital, as it is the patient’s choice. Hospice is not a place, it’s a way of caring. To be “certified” for hospice care, the doctor must state that statistically, the illness may cause death within six month or less. Some patients live longer than six months, some for years. Living life as fully as possible for every day and every hour is precious, which is where hospice care comes in. Quality hospice care can make the difference between unbearable pain and overwhelming stress, or living peacefully and as pain free as possible to the very end. Hospice is about dignity and caring for one another. Hospice serves the family as well as the patient. A decision to use hospice services does not mean that you are giving up. It is an affirmation of the meaning of your life. It allows you to optimize the time you have, control symptoms, and do what is necessary. For families and caregivers, hospice provides the support and training to deal with the unknown and the crisis that often accompanies the approach of death. Dealing with symptoms related to a terminal illness involves unique applications of medications and ways of administering medications that provide for the patient’s comfort and well-being. Many physicians
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and nurses, who are not experienced in hospice care, do not know how to deal with pain management. Hospice care is a special because it accepts dying as a natural part of life. When death is inevitable, hospice seeks neither to hasten nor delay it. Choosing hospice care means choosing quality of life, not length. It is not a curative treatment, but rather serves to promote the comfort and peace of the patient and the family. Hospice is a team approach to support the patient and family throughout the course of the illness in a holistic manner. Once a decision has been made to seek hospice assistance, a positive step has been made to make the last days more meaningful and comfortable. There are many hospices in each state, so researching the hospices in the area is important. Medicare, Medicaid and most private insurance plans cover hospice services. Check with your insurance carrier in reference to hospice benefits. These are many questions that should be asked to any potential hospice team. Asking what services, such as ones provided by volunteers, after-hour care, and what support is offered to the family, is a primary inquiry. Check whether the program is licensed by the state, if the agency has references, who owns the hospice, and how payment is handled. If these are answered satisfactorily, more detail can be requested. Check whether the agency creates a specific plan of care for each patient, the role of the attending physician, whether the hospice provides short-term inpatient care and if they are contracted to any local nursing homes. There should be no limits to questions when caring for a loved one.
Also, speak with others who have recently used hospice services and seek their opinions. A recent personal experience with a hospice is perhaps the best indicator of the type of care provided. These questions and worries are part of who we are. Agape Hospice is a ministry of Agape Senior that serves various areas throughout South Carolina. Locally, Agape Hospice serves Horry, Marion and Georgetown Counties. Agape offers all the services necessary to help patients function to their unique capacity. Agape provides comfort and guidance to caregivers, family members and friends of the hospice patient. The CEO and founder of Agape Senior is an ordained Methodist minister, who ministered in nursing homes before starting Agape, so he has experienced it from the bottom up. The focus of Agape’s care is in the home setting, but other options are available. Agape is contracted with major hospitals and nursing facilities. The Agape team consists of the patient’s doctor, Agape’s medical director, certified hospice nurses, medical social workers, chaplains, certified nursing assistants and trained volunteers. Agape nurses and certified nursing assistants are available 24 hours a day, seven days a week. Bereavement visits and counseling services are available to family members for a year after the death of the patient. The first hospice house of Horry County, Agape Hospice House, is opening soon on Highway 378 in Conway. It will be devoted entirely to serving terminally ill patients and their families in a homelike setting. The Agape Hospice House staff will be totally committed to providing quality, compassionate, inpatient, respite and residential care for patients needing pain management, who have no caregivers or caregivers who need a break, or for patients who have only a few weeks to live. The hospice house will offer physical, spiritual, social and emotional care in a loving faith-based environment. Agape Senior was founded in 1991 to provide integrated health services to seniors in South Carolina. It is recognized as a senior services provider of first choice, stressing the importance of individual quality care, love, respect and dignity for patients and residents. Agape boasts with pride the resort-type atmosphere exhibited in all facilities. On the Grand Strand, Agape Senior offers two Assisted Living facilities, one in Conway on Highway 378 and one in the Garden City and Murrells Inlet area at 11951 Grandhaven Drive. The assisted living in Conway has a 30-bed dementia unit, and ground has been broken to build 40 one-bedroom independent apartments for seniors. Also, Conway will soon open a 48-bed Transitional Care Unit that will be a bridge from hospital to home, providing occupational, speech and physical therapy. A 24-bed Skilled Nursing Unit and a 22-bed Hospice House will be available for patients and referrals within the next few months. We invite you to visit and tour our facilities on the Grand Strand. Please feel free to drop in, or call Garden City at 843.357.0200 or Conway at 843.329.6565 for a tour. Come visit and allow us to present you with a complimentary gift. Agape Senior and Agape Hospice are committed to serving seniors and providing premier healthcare throughout the State of South Carolina. For more information, contact Carole Bowdre at cbowdre@agapesenior.com or 843.655.2796. www.AgapeSenior.com
Tideland Continued from page 26
______________________________ by the community’s investment, Tidelands gives back to you with educational programs, in-service opportunities to healthcare providers and businesses, as well as on-going bereavement support. Tidelands Hospice accepts payment through Medicare, Medicaid and private insurance; but if a patient has no reimbursement source, we are going to provide them with the same care as a patient who does. We believe every patient should be treated with courtesy and dignity, and be provided with the best pain relief and comfort to the end of his or her life. Tidelands is committed to providing services to patients in their home, a nursing home, assisted living facility,
Solar Continued from page 14
______________________________ the federal is 30% and state 25% with yearly caps. 16. How much will a solar system cost for my home? An industry standard estimation is $10/watt for a grid-tied system. battery bank system is more like $12/watt. 17. Can I use my current water heater with a solar hot water system? Yes if we install a solar heat exchanger tank as a standby tank that feeds your existing tank. This is a very efficient configuration but it requires ample space for the additional tank. A solar thermal system
NOVEMBER 2008
hospital, prison and/or homeless shelter. Our team creates the best plan of care for each patient, to provide the best quality of life through understanding that death is a natural part of living and giving relief from distressing symptoms and pain. To learn more about the services and care offered by Tidelands, please give us a call at 843546-3410 or visit our website at www.tidelandshospice.org. For over 23 years Tidelands Community Hospice has been the number one choice of many patients in the Horry, Georgetown and Williamsburg counties. We know you will want to choose Tidelands as well. Peggy New is the Outreach Coordinator for Tidelands Community Hospice. If you would like to have her come and speak to your group or provide further information about hospice and end of life issues, please contact her at 843-546-3410 or 843-222-0905.
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requires a heat exchanger tank somewhere in the configuration to transfer energy to the potable water. 18. How many panels will I need for a solar hot water system? 1 - 30 tube evacuated-tube collector is ample for families up to 6. 19. Can a solar system heat my pool all year long? That depends on how many collectors are installed and how much solar is available during the winter season. Solar thermal for pools works best if it is used to supplement a heated pool if a constant temperature is desired for yearround swimming. A straight solar heater would work best for indoor pools. For more information, contact Carolina Cooling & Plumbing, Inc. 843) 238-5805. Visit us online at www.carolinacool.com.
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Salute to Veterans
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