sc JULY, 2010
BUILDING FINANCIAL
CORNERSTONE WEALTH &
TAX ADVISORY GROUP
FOUNDATIONS
4975 LACROSS RD, SUITE 354
CHARLESTON SC, 29406
WWW.CSWTA.COM • 843.376.3350
and older. ers of all ages. old woman involved in a terrible 20 years. But frustrated women
SS There was a big Social Secu-
rity amendment package in 1956.
In 1956, Congress also de-
cided to make reduced retirement
marriage in 1960. You had been
married to your husband for al-
told Congress that being married
to that no good bum for even 10
continued from page 1 It recognized that many workers benefits available as early as age most 40 years when you finally years was worth something, so in
benefits, even if she was under did not stay healthy until retire- 62 -- but only for women. They couldn’t take it anymore and de- 1977, they lowered the duration
age 65 if she was caring for her ment age, so disability benefits also allowed spouses of retired cided to get a divorce. But then of marriage rule to the 10-year
husband’s minor children. They were added to the program. Ini- workers to claim benefits at 62. imagine your shock when you mark -- where it remains today.
also realized that there were a few tially, the law restricted such pay- Furthermore, they lowered the learned that you were not eligible And on the same subject, men
stay-at-home dads out there, so ments to disabled workers over eligibility age for widows from for a nickel of your ex’s Social pointed out that sometimes they
they added benefits for dependent age 50. But just four years later, 65 to 62. Security, even though you spent are the ones who get the shaft in a
husbands and widowers at age 65 they expanded coverage to work- A lot of men must have com- four decades cooking his meals, bad marriage. So in 1983, Social
plained about pre-age 65 ben- cleaning his house and washing Security benefits were granted to
efits being made available only to his underwear. divorced husbands and widowers.
The Tri-County’s Premier Publication for the Young and Active After 50 women, because in 1961, Social In 1965, Congress finally The list of amendments to the So-
Security laws were changed to recognized this was unfair, so cial Security Act goes on and on.
grant early retirement benefits to they added benefits for divorced In the late 60s, the eligibility age
men and early husband’s benefits wives and widows. The original for widows and widowers was
to stay-at-home dads. law limited benefits to women lowered from age 65 to age 60.
Imagine you were a 62-year- who had been married for at least Disabled widows and widowers
under age 60 were added to the
Over 200 Distribution Points and 45,000 Readers roles beginning in 1968. Fathers
caring for young children without
in the Greater Charleston Area a mother finally got benefits in
The Lowcountry Sun is a monthly newspaper dedicated to informing, 1983 -- to match benefits young
serving and entertaining active senior adults in the Greater Charleston widows had been receiving since
area. 1939.
Subscriptions are available, prepaid with order, at $31 for one year. I don’t have anywhere near
Send subscription orders to: enough room to list all the chang-
Lowcountry Sun, 1961 Treebark Drive, Charleston, SC 29414 es that have happened to Social
Security since the original act was
passed in 1935. But I will make
Orders received by the 15th of the month will start with the next issue.
Publication of advertising contained herein does not necessarily consti-
tute endorsement. Signed columns are the opinion of the writers and not this interesting point. In the entire
necessarily the opinion of the publisher, advertisers or their agencies. 75-year history of the program,
Copyright 2008 - Neighborhood Newspapers, Inc. All rights reserved. I can think of only a handful of
Social Security benefits that have
been cut. For example, children
Publisher/Sales Contributing Writers Graphics/Layout
Torrey Monroe James Parker Jill Lancaster
843-345-1314 Cappy Hall Rearick of retired or deceased workers
John Schumacher used to be able to claim benefits
Liz Sharp until age 22 if they were in col-
lege. Beginning in 1981, the cut-
off date was dropped to age 18.
Also, widowed mothers and fa-
Let us mail the Lowcountry Sun to your home.
Only $31 for one year.
thers used to receive benefits un-
Name til the youngest child turned 18.
Address The 1981 Social Security amend-
City/State/Zip ments lowered that age to 16.
Phone Email If you have a Social Security
question, Tom Margenau has the
Mail coupon to answer. Contact him at thomas.
1961 Treebark Drive, Charleston, SC 29414 margenau@comcast.net.
843-345-1314 • Fax 843-278-9321
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www.lowcountrysun.sc • July 2010 5
‘Where’s My Bail Out?’ Which products
are eligible
Homeowner Finds Comfort in Stimulus Package for a tax credit?
Increases Home’s Energy Efficiency by More Than 25% with 50% Covered by Incentives Q. Which products are eligible for a
tax credits for energy efficient home
Mike Sievers expected that two inches of BASF Comfort house is not only much less drafty, provided him with customized re- improvements? Are they available
for new construction also? What
his home, built in 2005, was prob- Foam(R), a closed-cell spray there seems to be no big differ- ports on funding and recommen-
about vacation homes? Rental
ably more energy efficient than polyurethane foam insulation ence in temperature from floor dations for energy upgrades. properties?
most but, given recent rebates with extremely high insulating to floor and it is so much quieter To find a qualified home
for home energy audits and im- values and air sealing properties. here now. Overall, we’d say, this performance contractor, Siev- A. Tax credits are available at 30%
of the cost, up to $1,500 total, in
provements, he decided to double (Air sealing is an essential step is now a much better home.” ers researched contractors in his 2009 & 2010 (ONLY for existing
check. since uncontrolled air leakage is homes, NOT new construction, that
“I figured, if public funding responsible for as much as 40 per- are your “principal residence”) for:
is available to off-set costs for an cent of energy loss, according to • Windows and Doors (including
energy retrofit, I should seize the the U.S. Department of Energy.) sliding glass doors, garage doors,
opportunity, while it lasts,” says They then reinstalled the fi- storm doors and storm windows)
Sievers. berglass insulation and added • Insulation
Mike contacted a home per- more to give a total of five inches
• Roofs (Metal and Asphalt)
formance contractor company, of blown-in fiberglass on top of
GreenHomes America, to set up the foam insulation to maximize • HVAC: Central Air Conditioners,
the initial assessment. What they the insulating value. They also Air Source Heat Pumps, Furnaces
and Boilers
found was shocking. Mike’s rela- used Comfort Foam to insulate
tively new home was 50 percent some attic rims and seal the rim • Water Heaters: Gas, Oil, & Pro-
draftier than it should have been. joist area in the basement, greatly pane Water Heaters, Electric Heat
Pump Water Heaters
The good news, however, reducing the air leakage. A Little Research Can Lead to area who were certified through
was that by focusing on energy The results are impressive. Big Change - In Your Pocket the Building Performance Insti- • Biomass Stoves
improvements in his attic alone, Based on three months of energy To find available incentives, tute (BPI), a national organiza- Tax credits are available at
his contractor predicted that the bills, Mike Sievers and his fam- Sievers went to a free Web site tion with which GreenHomes 30% of the cost, with no upper limit,
home’s overall energy perfor- ily are now saving more than the DSIRE (www.dsireusa.org), a America is a member. BPI certi- through 2016 (for existing homes &
mance could be improved by 25 predicted 25 percent on heating comprehensive source of infor- fied contractors are highly skilled new construction - it does not have
to be your “principal residence,” va-
percent. Eager to take advantage and cooling bills. With a little re- mation on state, local, utility and and have passed a number of
cation homes are eligible.
of recent state and federal tax search, he was also able to offset federal incentives and policies written and field exams in order
incentives, Sievers approved the 50 percent of the cost of the retro- that promote renewable energy to achieve their BPI accreditation. • Geothermal Heat Pumps
work order. fit through public incentives in his and energy efficiency. Addition- For more information about • Solar Panels
The first step was to remove home state of New Jersey. ally, as an employee of BASF, the BASF Comfort Foam insulation, • Solar Water Heaters
the original blown-in fiberglass And according to Sievers, Chemical Company, he partici- visit www.basf-pfe.com. To find a
• Small Wind Energy Systems
insulation. They then sealed off there were some unexpected bo- pated in a new company program BPI registered contractor in your
holes from nails, plumbing, light- nuses, “The overall comfort was called the Neighborhood Energy area, visit www.bpi.org. Tax credits are available at 30%
ing, wiring and duct work, with immediately noticeable. Our of the cost, up to $500 per .5 kW of
Efficiency Drive (NEED) that power capacity, through 2016 (for
your existing “principal residence”
or new construction that will be your
The Sounds of Life principal residence, DOES NOT in-
Joseph Gillespie, Audiologist • 843.881.8666 Dennis Hanson installation of the property and for
piping or wiring to interconnect such
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www.lowcountrysun.sc • July 2010 7
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Crossword Solution
from page 26
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Thirty Years of General Practice As seen on HGTV Landscapers Challenge
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fer to wait until the cataract is of cataract patients to need thicker any
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14 July 2010 • www.lowcountrysun.sc
July 16, 2010 July 20, 2010 July 28 – September 1, 2010
Shaggin’ on the Pier My Personal Health Healthy Living with Diabetes
Folly Beach Edwin S. Taylor Fishing Pier Record South Carolina 1:00pm-3:30pm
7-11 pm 10:00 am Lowcountry Senior Center
For tickets call 843.795-4386 Rodenberg Hall, Franke at Seaside. 865 Riverland Drive, James Island
Mount Pleasant 843.762.9555
July 17, 2010 1885 Rifle Range Road
2010 IOP Beach Run/Walk Mount Pleasant, SC July 28, 2010
4 Mile Run Begins: 8:00am www.FrankeAtSeaside.org. Jeff Perez, Vice President for External
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or at the IOP Rec Dept. Alzheimer’s Association: Rodenberg Hall, Franke at Seaside’s 1885
Learn more about Alzheimer’s Disease Rifle Range Road, Mount Pleasant, SC
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Reggae Nights Lowcountry Senior Center
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James Island County Park 843.762.9555 Charleston Stage’s Sizzling
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Hurricane Preparedness Darren Sheriff.
1:00pm-2:00pm Hanahan Senior Center July 31, 2010
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For a complete list of activities, events & 865 Riverland Drive, James Island
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LOOSE DENTURES?
Some will tell you they are good ways plant a tree.
for 5 – 10 years on average. Trees come in all shapes and
Next are the composite pools sizes. You can actually buy a full
made out of fiberglass that are grown Live Oak if you so choose.
much more durable. The speed The cost of trees are usually di-
of construction and life time war- rectly related to how long the
ranty make this a very popular op- grower has had to take care of the
tion. tree. You can imagine that a full
Finally, on the high end, are grown Live Oak is not for the av-
the concrete pools which, in our erage budget, but there is usually
opinion should only be built as a a tree that will work well for your
piece of art. If your pool is not go- budget and in your yard.
ing to be a one of a kind piece of My personal favorites are
art, consider one of the other op- trees that produce fruits and nuts.
tions mentioned above. A peach tree that we planted when
One of the reasons that I talk my first daughter was born is
about pools is the unique fact that one of my favorite trees. During
with a heat pump addition, you July I enjoy getting a fresh sweet
can actually chill your pool dur- peach right off the branch. We
ing summer season and heat the still have a few more months of
pool during the fall, thereby ex- the extreme, muggy, hot summer
tending the season. A heat pump weather before we will be able
can be adapted to existing pools to start experiencing the cooler
and is very energy efficient in breezes of the fall. You can look
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Dig a hole, fill it with water and watch your koi grow. That’s the secret to your koi pond, right? Actually,
much like a pool or indoor aquarium, koi require some work. In fact, koi are quite sensitive fish that
require a carefully maintained environment for optimal health.
Koi are colorful fish that go by the name
nishikigoi in Japanese. They are a specially
bred form of carp, not oversized goldfish, en-
joyed for their vivid coloring. In the 19th centu-
ry, Japanese farmers began breeding decora-
tive carp, selecting brightly colored specimens
to ornament gardens in luxurious fish pools.
The Japanese consider koi good luck.
There are certain varieties that are preferred
over others. Kohaku -- the favorite -- are
white-skinned koi with a red upper pattern.
Tancho are white koi with a red dot on their
head.
Koi are cool-water fish that prefer a deep
pond. In the warmer weather they will swim
to the bottom of the pond to avoid the heat.
When planning on a koi pond, keep this in
mind. You may also want to plan your pond
in an area that is shaded from direct sun, to
moderate the water temperature even more.
Think about installing a koi pond as you
would a home aquarium, complete with fil-
tration system. This will help you maintain a
clean environment for the fish. Routine skim-
ming of the water surface can catch debris
that falls into the water and contaminates the
delicate ecosystem of the pond.
Koi should be protected overhead from
predators. Therefore, koi ponds generally fea-
ture lush foliage for their protection. Rocks or
overhangs under which koi can hide are fea-
tures you should include.
An algaecide is also a necessity, to pre-
vent the overgrowth of algae in the pond.
Consider special water additives sold at pet
stores or online that can enhance the water
environment for your koi.
Because koi generally like to swim un-
seen, their type of food is a floating pellet,
which encourages the fish to come to the sur-
face.
Start small with your koi pond. One or
two fish is adequate. Experts recommend one
small- or medium-sized koi per 500 gallons of
water. If you have too many fish, their waste
can contaminate the water if not properly fil-
tered.
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The Tri-County’s Premier Publication
For the Young and Active After 50
302 Coleman Blvd. Dorchester Rd. at I-26 Flowertown
843-345-1314
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Mt. Pleasant, North Charleston Restaurant Check us out at
843-881-7714 843-747-9198 120 E. 5th N. Street www.lowcountrysun.sc
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