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Wednesday, February 29, 2012

By Midge Rothrock

Jewel If ever a name chosenat birth could perfectly fit a lifespanning 91 years so far, this onedoes. Jewel Dailey is so importantin this community, giving her bestsince arriving in Aiken in 1958 untiltoday. Just last month, a newlyformed womans Circle at St. JohnsUMC named themselves in herhonor. Her grandchildren adoretheir GiGi. To some, she is The

Queen Mum regal, elegant, andwell mannered, with a generouslaugh and a quick wit.

When Malcolm and Jewel Daileyfirst moved here, Malcolm did notcome to work at the Site. He haddeveloped a fine reputation in theoil business, with Texaco. Whenhe thought he would like to havehis own business, Texaco was gladto recommend this sharp guy foran oil distribution business in thebooming town of Aiken.

One cannot tell the story of Jewelwithout including the story ofMalcolm, her handsome husbandof over 70 years. They were a pair,all right. Tall, groomed impeccably,with ready smiles for all. They

had been acquainted nearly theirwhole lives. Back up this story tothe hometown of their youth. Jewelwas born on November 23, 1920,to Dr. and Mrs. C.W. Jones of WestBlocton, Alabama. Dr. Jones didwhatever medical care was requiredat the time, from simple aches andbruises, to surgery. And, yes, hewas often paid in kind, in this smalltown of 4000 people, where coal

mining was the primary source ofrevenue. In fact, one day Dr. Jonestold his wife to expect a cow, headedto their home. He suggested she

tie it to a tree in the back yard, toremain there until it was sold!

Jewels mom was most unusual,to quote our subject. She did notlike her husbands given nameClyde, so she called him Doctor.Up early and dressed nicely, EvaJones was ready to greet any andall who might come to their home,looking for the town doctor.

Doctor Clyde has a degree inPharmacy from Auburn, paid for byhis parents. But, he wanted more.The support for additional education

from the University of Alabama hadto come from another source. Beingvery sharp, he received a scholarshipfor two years to med school. Thisscholar did well enough to be thefirst person to have another twoyears granted, making his secondeducation affordable.

ACTS of a crimson Jewel INSIDE

See Jewel page 8

Jewels Jewels - her precious great-grandchildren. Top left, tallest grandchild: Rene Reeves, 10, Middle left,Josiah Reeves, 5, Bottom left is Eliana Reeves, 3, on GiGis lap (Gee-Gee) is Eva Jernigan, at 1-1/2 years of age,Bottom right is Ella Jernigan, who is 4,Top right is Celeste Reeves, who is 8.

FINANCIAL

Not All Dividends are Equal

by Jay Brooks

Page 2

COMMUNITY

Adult Care Servicesby Chrissa Matthews

Page 4

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Not All Dividends Are Created EqualIn these mes where investorsare searching high and low fora steady investment that willprovide them a reasonableincome stream, many areinvesgang the merits of atried and true dividend payment.Dividends are the periodic cashpayment made by companies toinvestors as a form of corporateprofit based on how many sharesthey own. The most common

type of payout to investors is anordinary cash dividend. Ordinarydividends are taxed as ordinaryincome which can be as high as35%.

The posive side of dividendpayments is that we know inadvance what to expect in theway of an income. The down

side is that the board of directorsof the corporaon could reduceor suspend that dividend at anyme. The principal investment isalso not as safe as we might like.But nevertheless, dividends canbe a viable income alternave.

Lets take a quick look at the 2categories of dividends, qualified

and non-qualified. Dividendsare qualified if they meet two

criteria. They must first be froma US company or qualified foreigncompany (incorporated in the USor listed on a US stock exchange).The second issue is the investoror the mutual fund must haveheld the stock for more than 60days during the 121 day periodthat begins 60 days before theex-dividend date. How is that forconfusing! Anything that doesnot meet that criteria is called a

non-qualified dividend.

Each of the before menonedtypes of dividends comes withits own tax rate. This is why notall dividends are created equal.Qualified dividends are taxed ata 0% or 15% rate based on theclientss income tax rate. Thenon-qualified version gets taxed

as ordinary income.

Example of the 60 day holdingperiod:

Ex-dividend date for XYZ Fund isMay 2, 2012

Purchase 10,000 shares of XYZFund on April 27th, 2012

Sold 2000 shares on June 15,2012

The 2000 shares we held for49 days of the 121 day period(March 3rd- July 1st)

8000 shares were held for at least61 days (April 28, 2012 throughJuly 1, 2012) of the 121 dayperiod. (March 3rd- July 1st)

When counng the number ofdays the fund was held, includethe day the fund was sold, butnot the day the it was acquired.

The dividend income from the2000 shares held 49 days shouldbe taxed as ordinary incomewhereas the other 8000 shareswill be taxed at a maximum rateof 15%.

Most investors dont buy andthen sell stocks quite that quickly,

but this issue really comes intoplay when purchasing a mutualfund that is designed to provideincome based on its dividendpaying stock holdings. Fundmanagers do buy and sell stocksfrequently. This concept iscalled turnover. It is crucial thatindividuals look at the turnoverrate of their funds. Not only doesthe turnover hurt the tax rate, it

can also make the return of thefund challenging.

If you have quesons concerningthe turnover of your funds or thetax implicaons of your stocks,please feel free to contact ouroffice. As always, the call and the

advice are on the house.

Jay Brooks,owner

of Brooks Financial

Aiken County Habitat For Humanity ReStore VolunteersAiken County Habitat For Humanity has an urgent need for volunteers to work in our ReStore which supports

our mission of providing home ownership opportunities for very low and low income families in Aiken County.

Specifically, we are looking for pick up drivers/helpers, cashiers, and sales floor helpers at our ReStore in Aiken at

1026 Park Ave., SE. Drivers are needed for pick ups on Tuesday, Wednesday, and Thursday mornings. Our driv-

ers need to be able to lift 50 pounds and MUST have good driving records. Cashier and sales floor help is needed

in the ReStore on Tuesday through Saturday. ReStore volunteers are asked to work from 10:00 AM to 1:00 PM or

1:00 PM to 4:00 PM on weekdays and from 10:00 AM to 1:00 PM on Saturdays. Training for all positions will be

provided and teaming up with a friend to volunteer is a great way to help our ministry. For more information or

to volunteer, please call Suzanne Castillo at Habitat for Humanity at 642-9295.

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3Wednesday, February 29, 2012

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Camellia DazeYouve probably heard about

some fish tail whoppers about

the one that got away. Well

believe it or not, there is a

camellia that has a fishy history.

It was described in Japan in

1789 as KIngyoba-Shiro-

Wabisuki- white fishtail or

Kingyo-Tsubaki pink fishtail.

The white or pink single blooms

have 5-8 petals and a large

center of yellow stamens.Apparently the bloom also has a

slight fragrance. So far nothing

unusual, unl you look at the

leaves, which are dark green

glossy and shaped like a fancy

goldfish tail at the p of the leaf.

This p or apices are divided

into 3-5 fan shaped segments

making for a very unusual and

disncve feature.

The fishtail camellia makes a

dense upright bush. The foliage

adds interest to your yard. So

in the warm months you have aunique bush and conversaon

maker and in the winter you

have the added joy of blooms.

Having unique foliage can help

create a focal point in your yard.

You wont find this camellia

in the big box stores so the

internet or possibly Nuccios

Nursery in California would be a

source. Of course, dont forget

that kind next door neighbor.

Good luck in your quest. Heres

hoping to see you along theCamellia Trail.

Chrissa Mahews, MA, CCC/SLP, is an Aiken resident and theowner of DayBreak Adult CareServices, Inc, Aiken, SC.

Adult Care Services at

Home: A Different Oponby Chrissa MahewsTell me again what you do. Ihear this frequently and its OK.

A lot of people are sll learning

about what we do.

At DayBreak Adult Care Services,

we have a passion for homebecause home is where we work.

Today Id like to explain that

concept a bit more.

The fact is many seniors can live

at home longer if provided with alile assistance around the house.

Simply put, DayBreak provides that

assistance.

Gone are the days when many of

our parents had only two opons- reside with a stay-at-home family

member or move to a nursing

home. Today, adult care servicesbring the best of both opons,

delivered inside ones home. Adult

care services provide trained

caregivers to offer assistance

when some of lifes common tasksbecome challenging for otherwise

capable people.

The non-medical in-home adult

care industry (an accurate but

unwieldy descripon of ourtrade), is a recent development.

Necessitated by longer lives and

dispersed families, there is a needfor someone to provide that extra

assistance to allow seniors to

remain safely in their homes. Thatis where we come in.

Some of our clients no longer

enjoy cooking. Others needreminders for complex medicaon

schedules. Some do not trusttheir balance in the shower. But

all these clients enjoy the freedom

of having trained professionals

available in their homes to providea helping hand.

Im oen asked do the caregivers

stay around the clock? and my

answer is do you need them to?The services provided by adult

care providers can be customized

to meet ones specific needs, afew hours per week, or all day.

Long term or just long enough to

let one heal from a procedure oraccident. Either way, we take the

danger out of going it alone, while

taking a loving burden from theshoulders of the nearest family

member.

Some of my favorite stories involve

loving couples who are able to

remain in their memory-filled

homes with just a lile assistancefrom compassionate, friendly

caregivers. Im thinking that wouldbe a favorite story of yours as

well, if that couple is you or your

parents.

DayBreak Adult Care Services.Theres No Place Like Home.

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Spring Open HouseCourse & Workshop registration

Monday, March 19th

9 a.m. to noon

McGrath SeniorNet

Learning Center

on the USCA campus

Visit our website for more information

www.aikenseniornet.comAS07-684726

The Academy for Lifelong LearningThe Academy courses are in full

operation, but it is not to late tojoin and benefit from the courses

in progress and those that will

start in March. Here is a list of

those available to new members

just joining.

History as a Political Weapon.

4 Mondays, Feb. 27, March 5, 12,

19. Time: 10:00 am - 11:00 am.The instructor is Dr. Jim Farmer,

Professor of History at USCA.

Year Round Color and Beauty

in Your South Carolina

Landscape.

3 Thursdays, March 1, 8, 15.

Time: 9:25 am - 10:40 am.

The instructor is Jacque Rees,

a South Carolina and Georgia

Master Gardner.

The Real Cause of the

American Civil War and Why

We Should Be Concerned

Today.

3 Wednesdays, March 7, 14, 21.

Time: 3:00 pm - 4:00 pm. The

instructor is Ken Brace, a retired

American history teacher.

To Sleep, Perchance to Dream.

4 Thursdays, March 8, 15, 22, 29.

Time: 10:50 am -12:05 pm. The

instructor is Dr. David Andrews,

a retired professor of Psychology.

Great Decisions/Discussions.

8 Thursdays, March 8, 15, 22, 29,

April 12, 19, 26, May 3. Time:

2:00 pm - 3:30 pm. The classcoordinator is Chuck Braun,

who has led these sessions many

times in the past.

Amercan Writers in Paris in the

Twenties.

4 Fridays, March 16, 23, 30

April 13.. Time 11:00 am - 11:50

am.The insructor is Dr. AndrewGeyer, Assistant professor art

USCA.

The Conductors Job.

Tuesday, April 10. Time: 2:00

pm - 3:00 pm. The instructor

is Shizuo Z. Kuwahara, Music

Director, Symphony Orchestra-

Augusta.

Wine Tasting.

Tuesday, February 21. Time: 2:30pm at Rileys Whitby Bull., 801

East Pine Log Road, Aiken..

Cruise the Savannah River.

Tuesday, March 20. Time 2:00

pm - 3:30 pm. Meet at Marriott

Hotel, Reynolds Street, Augusta,

GA.

See our new website at: www.

aikenlearning.org. Catalogs are

available at the Aiken County

Library, Chamber of Commerce,

Cedar Creek Community Center,

and at USCA, Business &

Education Building, room 113.

(Laura Anderson or Mary Anne

Cavanaugh).
http://www.aikenlearning.org/http://www.aikenlearning.org/http://www.aikenlearning.org/http://www.aikenlearning.org/

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www.hondacarsofaiken.com

663-3636 AS02-644251

715 E. Pine Log Rd.Aiken, SC 29803

641-4401www.shellhouseriversfuneralhome.com

924 Hayne Ave.Aiken, SC 29801

642-3456www.shellhousefuneralhome.com

ShellhouseFuneral Home, Inc.

Shellhouse-RiversFuneral Home, Inc.

COMPLETE FUNERAL SERVICEOnSite C rematory Pi ne L og Rd . Location

Affiliated with Bethany Cemetery Pre-Planning Arrangements Monuments Out of Town Burial Service

JASON B. HUCKSFuneral Director

C. MITCHELLRIVERS

Funeral Director

ROBERTW.

SHELLHOUSE, JR.Funeral Director

AS10-669223

The talents of therapy dogsMany people think of therapy

dogs as guide dogs leading

the blind, or dogs sitting withseniors at an assisted living

facility. While therapy dogs are

responsible for these jobs, they

do so much more -- including

acting as a trusted companion

for someone diagnosed with

cancer.

Although many therapy dogsare specially trained in their

roles, just about any well-man-

nered dog can serve in a thera-

peutic capacity. People may be

surprised at all the many assis-

tance roles dogs can play.

* Help children read: Dogs are

not judgmental and offer no

criticism, which makes themprime helpers for children who

need help learning to read or

who have stage fright. Children

can read stories to dogs who

listen quietly and build up their

confidence levels. Some schools

and libraries even institute pro-

grams where dogs are invited asthe audience to student readers.

* Seizure alert: Some dogs are

trained to alert epileptics and

those with seizure disorders to

an upcoming episode, although

this method of detection is not

always foolproof. In general,seizure dogs provide compan-

ionship and security to a person

during and after an episode.

* Cancer therapy: Getting

diagnosed with cancer can be a

stressful event. Going through

chemotherapy and radiation

can take its toll on the body.Cancer patients often need all of

the love and affection they can

get or sometimes just a quiet

companion. In a program like

Pets for Pals, therapy dogs sit

with cancer patients, often sens-

ing what ill people need. Dogs

have the innate ability to love

unconditionally. Having a dogaround gives patients a different

topic of conversation other than

their health and treatment. Pet-

ting a dog has been known to

lower blood pressure and reduce

stress as well.

* Helping hands: Individuals

who are handicapped may relyon dogs to do tasks around the

house, from turning on lights

to grabbing remote controls.

Some dogs help companions

move around a space by offering

stability and a handhold.

* Security: Dogs have longbeen used as security guards.

But even if a dog isnt a trained

guard, he or she can alert if

something is amiss in the house

or if someone is at the door or

outside of the home. Individu-

als who live alone can benefit

from the companionship andlevel of security that dogs pro-

vide.

Many therapy and service dogs

start their lives as stray dogs

or shelter dogs. Some training

facilities actually seek out calm,

well-mannered shelter dogs and

give them a new lease on life as

a persons helper or companion.

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The 10 warning signs of Alzheimers diseaseFew families are fortunate enough

to say they have not been impacted

by Alzheimers disease. A progres-

sive, degenerative disease of the

brain, Alzheimers impairs think-

ing and memory, accounting for

50 to 80 percent of dementia cases

according to the Alzheimers As-

sociation.

Though many peoples experiences

with Alzheimers disease involves

an elderly relative, the disease is

not exclusive to the elderly. Up to5 percent of people with the dis-

ease have early-onset Alzheimers,

which most often appears when

someone is in their 40s and 50s.

In 2011, 59-year-old Pat Summitt,

the all-time winningest coach in

NCAA basketball history and a be-

loved figure on the campus of the

University of Tennessee, revealedthat she had been diagnosed with

early-onset dementia, Alzheimers

type. That announcement opened

the eyes of men and women across

the country, who might otherwise

never have known that dementia

could strike so early or to some-

one who seemed as healthy as

Summitt, who vowed to continuecoaching despite the diagnosis. Be-

cause it can strike men and women

even if they arent elderly, its

important to know these 10 warn-

ing signs of Alzheimers, courtesy

of the Alzheimers Association and

the Alzheimer Society of Canada.

1. Memory loss that disrupts daily

life.

Memory loss is one of the most

common signs of Alzheimers.

This is especially so if men and

women forget things that happened

very recently, which can negatively

impact their daily lives. Additional

signs include forgetting important

dates and events; asking for the

same information over and over

again; or relying on memory aides

such as reminder notes or even

family members for things indi-

viduals could once remember on

their own.

2. Difficulty planning.

Some people might start to exhibit

difficulty following a plan or work-

ing with numbers, be it following a

recipe or paying the monthly bills.Concentration is often difficult

for those exhibiting symptoms of

Alzheimers.

3. Difficulty completing familiar

tasks.

Daily tasks such as driving to work

or remembering the rules of a fa-

miliar game will prove difficult forpeople with Alzheimers.

4. Disorientation with regards to

time and/or place.

Nearly everyone has had momen-

tary lapses where they forget what

time it is or what day it is. But

such lapses are not momentary

for people with Alzheimers, whomight even get lost on their own

street and not remember how to get

home.

5. Trouble understanding images

and spatial relationships.

Some people with Alzheimers

have difficulty reading, judging

distance or determining color or

contrast. For example, a person

with Alzheimers might walk past

a mirror and not realize he or she is

the person in the mirror.

6. New problems with words in

speaking or writing.

People with Alzheimers might

experience trouble holding or join-

ing a conversation. An example is

stopping in the middle of a conver-

sation and having no idea how to

continue. They might also struggle

with vocabulary, often having

trouble finding the right word to

express what theyre thinking.

7. Misplacing things.

People with Alzheimers might put

things in unusual places and then

experience difficulty retracing their

steps to find those items. This tends

to occur more frequently over time,

and they often accuse others of

stealing items they simply cant

find.

8. Decreased or poor judgement.

Poor judgement, such as not visit-

ing the doctor or mishandling fi-

nances, is another warning sign for

Alzheimers. These poor decisions

can extend to personal groom

ing, which men and women with

Alzheimers might neglect.

9. Withdrawal from society.

Men and women with Alzheimers

might start to withdraw from so-

ciety, removing themselves from

social activities, projects at workor hobbies. Avid sports fans might

no longer be able to follow their fa

vorite team, while social butterflies

might grow reclusive.

10. Changes in mood and personal-

ity.

People with Alzheimers might

experience mood swings for no

apparent reason and can become

anxious, confused, depressed, fear-

ful, or suspicious. Acting out of

character might also be indicative

of Alzheimers.

More information about Alzheim-

ers disease is available at www.

alz org and www alzheimer ca

Fearfulness or feelings of anxiety are changes in mood and personality

that could indicate Alzheimers disease.

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Jewel...from page 1

Jewel and Malcolm attendedthe same school and church aschildren. He was slightly older,but they still paid attention to eachother, becoming good friends. By

ewels 6th

grade year, she alreadybegan to think he might be thenicest boy, as they stood on the frontporch of West Blocton Elementary,the old green schoolhouse. Earlyon, Malcolm declared he alreadyplanned to marry Jewel some day,and have a big family. They datedothers, but frankly, Jewel was notthat impressed with the otherboys. Both attended University ofAlabama. Jewel was in Alpha XiDelta Sorority and a member ofthe Spirit Committee, consisting ofgirls in white dresses and red capesthat rooted for the team (not quitecheerleaders, but probably drawinglots of interest nonetheless).Malcolm loved football and his almamater, staying loyal right to the endof his days.

On December 14, 1940, they weremarried. Their simple honeymoonwas to Anniston, Alabama, wherethey drove in Pops used car. Thesenewlyweds lived in Atlanta whereMalcolm worked as an accountant atTexaco Oil Company.

In 1958, when daughter Judy wasin 7th grade, they moved to Aiken

where Malcolm started Dailey OilCompany. Malcolms businessfeatured, not surprisingly, Texacooil products. Meanwhile, Jewelbecame active in the church theyjoined, St. Johns UMC, downtownAiken. Her involvement includedbeing in charge of the ChildrensDepartment for many years, servingmany UMW roles including

President, and as Secretary of theBuilding Committee when St.ohns beautiful sanctuary was built.

Mr. E.E. Child was Chairman ofthis huge effort, in the early 1960s.The committee traveled to manychurches in South Carolina to getideas for how they would proceed.$600,000 was borrowed, which wasTHE LARGEST CHURCH LOANmade to a church in South Carolina

at the time. The debt was paid offin 1964, proving this church to bea good risk. (Further additions toSt. Johns, including the EbenezerCenter, so frequently enjoyedby the Aiken community, havesubsequently been paid in full on

February 22, 2011).Jewel worked with the late Nona

Cothran, Charlotte Cassels andPat Bischop to form ACTS. Howdid they think of something sosignificant to our community? Itstarted out small. Each churchhad their own closet where itemssuch as food and clothing werestored, to share with those in need.

These thoughtful ladies realizedhow good it would be to have ashared closet. Out of that camethe wonderful Area ChurchesTogether Serving, thriving todayunder the devoted leadership ofVicki Bukovitz and Karen Perry.

For years, Jewel served as an ACTSInterviewer, which still is such acritical role in ACTS success withclients.

When the new building forHelping Hands was constructed,Jewel helped, making curtains forthe bedrooms, and with organizingtheir initial Open House. Jewelalso was on the Services Council

of Aiken County at the start ofChildrens Place. The late O.L.Kelley went to Denver, Coloradoto observe a similar ministry. Forsome years, after the membershad worked so hard to make thislocation successful, it was the only

Childrens Place in the state ofSouth Carolina.

Jewel has been a member of PEOsince 1966, serving as Past Presidentof Chapter B, Aiken. She was a GirlScout Leader. Jewel was Presidentof Town and Country Club in 1961,and has always participated inAiken oldest womans club.

While maintaining such busyvolunteer roles in her church andcommunity, she also worked forduPont as a secretary at the Site,from 1964 until 1978.

So, whether it is serving as apair of hands to snap beans forthe annual UMW Turkey Dinner,or leading a whole effort, Jewel isthere, doing these things with thatbeautiful smile and sincere caringway. In fact, Jewel and Malcolmformed the Visitation Committee attheir church, in 2005. And, to thisday, she is an intercessor for thoserequesting prayer.

Malcolm always maintained hiswit, charming folks in elevatorsand waiting rooms right until his

dying days. They were able to enjoya 70th wedding anniversary lunchtogether. His life was celebratedwith dignity and with a wonderfulservice, filling their beloved St.Johns sanctuary that Jewel hadhelped to get funds to build. Thelives of many have been touched bythis beautiful couple.

Only daughter Judy Jernigan,

wife of Ron (Aiken business ownerand formerly with DoE at DuPont),inherited those great genes and thefamily traditions of giving back.Judy was in the National HonorSociety, studied for two years atSalem College, and transferred toUSC Columbia, with degrees inEnglish and Education. HusbandRon, Judy and their family stay

Here they are dancing: Jewel and Malcolm. Theirs was a love story of 70+ years.

9

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so vital to the life of her churchamilies and community. Theyurrently lead a very popular Bibletudy at St. Johns, and sponsorvents celebrating family life. Inact, many of Judys career yearsere spent teaching and leading

he Preschool and Kindergartenrograms. During those curriculumevelopment days where thisabulous school grew, its sterlingeputation included names likeudy Bilyeu, Dennis Hydrick, Leeavanaugh, Grace Woodhead, and

Sharon Maurice. (Ask Judy or Jewelhether it was Divine Intervention,r Pediatrician Dr. McManus whoelped with the growth, especially

or children requiring extra TLC).ow the Childrens Preschool andDO is so ably run by Directorichelle Pearson.

Judy and Ron have twohildren: Stephanie married tohris Reeves, live with their fourhildren in Durham, NC. She hasPhD in Microbiology, and her

usbands doctorate is in Chemicalngineering. Chris has deep Aiken

roots as well, calling Frank Thomas,Jr. his uncle. Dru Jernigan,their son, is well known as head

basketball coach and history teacherat his alma mater, South Aiken

High School. He and Amy have twodelightful little girls.

Late in his life, Malcolm wasparticularly enjoying a noisy

family gathering of their largebrood, including the six greatgrandchildren. Turning to Jewel,Malcolm told her, Well, we finallygot ourselves a real family!

Judy when asked about her

mothers upbeat attitude: Is shealways like this? answered, Yes.Jewels inspiration is drawn fromseeing her own father giving ofhimself. He treated the wholeperson, not just their medical need,always valued diversity, and lived byfaith.

Judy and Jewel enjoy such adelightful friendship. (Ask them

about a particular moment at St.Thaddeus Tea Room, for a cutestory, explaining why Jewel nowcarries a sterling silver compact).But, Judy will quickly suggestone might not wish to go to lunchin this town with Jewel or DruJernigan, if one is hungry. Youcan count on the fact that they willbe stopped for a chat by just about

everyone in the place!

From Night in Tuscany Dinner Jewel Dailey and her daughter Judy Jernigan.

W d d F b 29 201210

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Question: I created a revocable trust

some years ago and it provides formy four children, now adults, equal-ly upon my death. But since I retiredIm rethinking the whole thing.Although Im healthy, my oldestson, who will eventually be trustee,wants me to sign over the house tohim to protect it from Medicaid sohell be assured of assets to providefor his siblings. One son is disabledand draws off my earning record. I

cook, clean and organize his affairs.One daughter has been in multiplerelationships and is an alcoholic.My other daughter married youngand is now a homemaker with threechildren, but her husband is a so soprovider and she has self-esteemproblems. I doubt my grands willhave a college education withoutme sacrificing my retirement plans

to travel. The other son is success-ful, in a stable marriage, but with nochildren. Is there an answer for me?

Answer: You sound burdened withcare at a time in your life whenyou clearly believed youd be freeto focus on your own dreams. Inmy book there is a clear priorityhere and its you. You have earnedthe right to enjoy the fruits of your

labor. Please plan to travel if thatis your hearts desire. I am confi-dent that you know how to balanceretirement with any real needs yourchildren have. Enjoying your goldenyears will set a positive example forall you children. They need the op-portunity to step up and act, espe-cially for your disabled son duringthe days and weeks you are on a

cruise or abroad. The law establishesan obligation to financially providefor our children until they are adults.Beyond that our society valuesfinancial independence between thegenerations with a strong charitableattitude to care for our loved ones.

I assume the house is the big placeyou raised four children in, maybedownsizing would be more eco-

nomical and free up equity to set

aside for some of the estate goalsyou are considering. Since you arein good health, dont rule out pur-chasing some additional life insur-ance. Some of the newer productsdouble as a long term care policy.Your oldest son might be willing topay the additional cost if you aretoo strapped. Gifting a home hastax consequences and because youare not comfortable with the idea, it

may be too early to plan for Medic-aid.

It might surprise you to know thatyour situation is the norm. 43% ofAmerican families have been sub-jected to at least one family memberwith alcoholism. Add to that thosethat have dealt with drug addiction,gambling, severe mental illness,

crime and other destructive behav-iors and youll find that the perfectfamily is the exception. So do nothesitate to talk with a compassionateattorney and your financial planningteam about the good, the bad and theugly. Clients should be able to trustestate attorneys with their hopes,their dreams, their fortune, theirrights and sometimes even theirfears.

And do not abandon your trust,instead be certain it addresses yourcurrent concerns. You might needseveral testamentary trusts- a specialneeds trust for your disabled son, aspendthrift trust for your addicteddaughter, possible discretionaryfunds to help your homemakerdaughter get an education herself

so she can put her own childrenthrough college with back up provi-sions for your grands education inthe event she predeceases you. Asmaller estate could have a pooledfamily trust or select more modestgoals. Your trustee will need thefreedom to develop and fund reallife solutions after consultation withappropriate professionals. Not alladdicts recover. The trustee may re-

solve to just provide a base plan for

support where the trust pays thirdparties for shelter, medicine, foodand clothing. Your sons request re-garding the house suggests he mightbe unwilling to use his personalresources to support his siblings orit could be a sign that he is alreadyseeing the responsibilities that willfall upon him as trustee. Involvingthis son now with your estate plan-ning should clarify and ease both

of your concerns and allow him todevelop wisdom and a caring heart.A resentful sibling can be a poorchoice for a sole trustee so equallydividing assets upon your death is agood solution. You may also want toallow for the trustee to receive somemodest compensation for his time.Sometimes a dispassionate profes-sional needs to be involved as a

co-trustee or trust protector.

Likewise, assisted living or a grouphome might be the only emergencychoice for your disabled son, buttime will have a tremendous impacton your estate plan. Unlike Medic-aid planning which is irrevocableand permanent in nature, the beautyof a revocable trust is that it can beamended to fit a wide variety of cir-

cumstances and family needs. Trustwork is not cheap. Peace of mindrarely is, but it is incredibly freeingfor any retiree to know their familyis protected now and in the future.

Boomer Briefings

Attorney Linda Farron Knapp is a

member of the National Academy

of Elder Law Attorneys.

If you have a question for

Boomer Briefings:Write to Attorney Knapp at

P.O. Box 714,

Barnwell, SC 29812 or fax

a question to

803-541-7677 or e-mail

her at lfknapp@bellsouth.

net. Questions may be

rephrased and all answers

will be addressed only in

Boomer Briefings articles.

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Spring Session SeniorNet offeringsAs you think about getting out into

your yard or flowerbed when the

days get warmer, why not think

about improving your computer

skills by taking a course along

with other seniors at the McGrath

SeniorNet Learning Center?

The Spring session courses and

workshops begin on Monday, April

2nd and end the week of May 21st

You could take one of our courses

and then use what you learn allsummer Our complete Spring

Session catalogue of courses and

workshops was printed in the Feb.

16th Aiken Standard. Registration

for any of the offerings is being

taken by mail or you may come to

the Registration Open House on

Monday, March 19th .from 9 a.m. to

noon in our Learning Center on theUSCA campus.

Here is a listing of what is on

tap in the Spring Session: For

someone who has had very little

or no experience using a computer

there is the SRN 101 Beginning

Computer course. This is only

a 4-week course meeting once a

week for 2 hours and uses WordPad

and Windows 7. It introduces the

student to the main components

of a computer and teaches how

to operate the computer, with

emphasis on developing skill

using the mouse, the keyboard.

and finding out how to use some

of the very basic things on your

computer. In this course, as in all

of the Learning Center courses, you

receive a detailed manual, work at

one of the computers in the Learning

Center, and the cost is only $45.

There are four such classes this

Spring, one beginning on Mon.April 2nd, and one beginning on

Wed. April 4th. . Another begins

on Wednesday, May 2nd and one

begins on Thursday, May 3rd. The

Monday & Wednesday classes are

in the morning; the Thursday class

is taught in early afternoon. The

Learning Center is also open from

3 to 5 every Wednesday afternoonfor students to get extra help or to

practice the skills learned..

For the casual user we offer a

course SRN102 Computer Basics

that presumes your skill level above

that of a beginner. This is an 8-week

course meeting once a week for 2

hours. It teaches Windows 7 basics

and settings, file management, use

of WordPad, working with pictures,

the Internet, and e-mail. The course

fee is $80 which includes a manual

and the Wednesday afternoon Open

Lab time. There are two different

times for this course. One starts on

Mon. April 2nd from 3 to 5 p.m, and

the other starts on Thurs. April 5th

from 9 to 11 a.m.. Students in all

the courses need to provide their

own flash drive.

For the computer user with

advanced skills, we offer the

following 4-week course: PicturesUsing Picasa. There are two

different class times for this popular

course on how to manage and edit

digital pictures you have taken.

One is on Monday morning 9-11,

beginning April 30th, and the other

is on Thursday from 12:30 to 2:30,

beginning on April 5th. The fee for

this four-week course is $45. Thefollowing eight week courses are

intended for the computer user with

advanced skills, and each meets

for a 2-hour class once a week on

the day & time listed. The fee is

$80 which includes a manual &

the Open Lab. All of the following

courses begin during the week of

April 2nd :

Word Processing with MS

Word 2007 on Mondays, 12:30

to 2:30

Digital Photo Editing: on

Mondays from 6 8 p.m. OR on

Thursdays from 3 - 5

E-mail & the Internet: on

Tuesdays, 9-11

Exploring Google: on Tuesdays,

12:30 2:30

Windows 7: on Tuesdays, 3 to 5

Excel: on Tuesdays, 6 - 8 p.m.

Web Page Design, Advanced:

on Wednesdays, 12:30 2:30

Our workshops for the Spring

session are taught on Friday

mornings from 9 to 11. The fee

for any one workshop is $20. They

are: Mousing Skills March 30th or

April 27th; Computer Security,

April 6th; Computer Maintenance

April 13th; Windows 7, April 20th

Using Power Point, May 4th;Backing Up Your Computer, May

11th; Exploring Skype, May 18th;

Meeting Facebook, May 25th.

You may see the complete

schedule by visiting our website:

www.aikenseniornet.com . Our

Spring Open House and Course

Registration is on Monday, March

19th , from 9 a.m. to noon at the

Learning Center. You can also call

Laura, in the USCA Continuing

Education office, at 641-3563 for


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803-648-7616

www.rightathome.net/csra

AS12-446508

Adults need vaccinations, tooMost adults can recall those daysas a child when Mom or Dad tookthem to the doctors office to get

their vaccinations. Less memo-rable are the times Mom and Dadgot their own vaccinations. As aresult, many adults assume vac-cines are just for kids and that thevaccines received as a child areenough to protect them for the restof their lives. But as the Centersfor Disease Control and Preventionpoint out, the vaccines received

as a child arent always enough tolast a lifetime.There are many reasons adultsneed to be vaccinated, even if theyreceived vaccinations as a child.One of those reasons has to dowith aging. As the human bodyages, it becomes more susceptibleto serious disease caused by com-mon infections (including the flu).

nother reason is that the immu-

nity a vaccination provides canfade over time. In addition, newervaccinations were not available

when some of todays adults werekids.When considering a vaccination,adults should discuss the issuewith their personal physician.Some of the more common vacci-nations include:* Seasonal influenza: The CDCrecommends all adults get onedose of the flu vaccine every year,

preferably in October or Novemberbefore the onset of flu season. Theflu vaccine is especially necessaryfor men and women who work ina health care setting, are sufferingfrom a chronic illness or are livingin a longterm care facility. How-ever, those who are allergic to eggsor have had a previous allergicreaction to the flu vaccine should

not be vaccinated.

* Pneumonia: The pneumoniavaccine is necessary for men andwomen who:

- are age 65 or older- have a chronic illness or weakimmune system- smoke- have had their spleen removed- live in a longterm care facilityMen and women who are currentlyill or those who experienced an al-lergic reaction to a previous pneu-monia vaccine should consult their

physician before being vaccinated.In most cases, such illness or priorhistory means men and womenshould not be vaccinated.* Meningitis: Adults who did notget the meningitis vaccine as achild or adolescent should consulttheir physician about getting thevaccination as an adult. Undercertain conditions, including living

in a dormitory for the first time or

frequently traveling to countrieswhere meningitis is common, itsbest for adults to get the vaccina-

tion. Men and women who hadtheir spleen removed should alsoget the vaccination. However, menand women who are currently illshould avoid the vaccination, andthose with Guillain-Barre syn-drome should consult their physi-cian before being vaccinated.* Chickenpox: Some people makeit to adulthood without ever get-

ting chickenpox. If they also madeit to adulthood without gettingthe chickenpox vaccine then theyshould get it as an adult as longas theyre not pregnant, currentlyill, have a weak immune system,or might become pregnant withinfour weeks of being vaccinated.After the first dose, a second doeswill be administered four weeks

later.


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AS10-669231

Harvesting a Healthier GardenSpring is here at last! Most of uscant wait to shake off the winterblues, to get out into the sunshine,

walk the dog, play catch with thekids or just take a stroll in thepark. For homeowners, its the firstchance to work on the yard, restorea lush lawn and, for an increasingnumber of gardening aficionados,create a home vegetable garden. In-ner city urbanites, even those with apostage stamp size yard, have beenswept up by the grow your own

movement.Victory Gardens, first introduced byEleanor Roosevelt during the GreatWar, were the original communityraised gardens. People were encour-aged to grow their own veggies insupport of the war effort. Today,raised garden beds have replacedthem as the eco-friendly solutionfor eating healthier without addingto the carbon footprint caused by

trucking produce from the growerto the store.Thanks to the Frame It All(TM)

raised bed gardening system,its nearly effortless to assemblea raised garden bed and easy tomaintain with minimal weeding andback-breaking bending to water andmaintain it -- a boon for seniors!Gone are the tattered, rotting woodframes or hulking ugly railroad tiesthat can overpower the aestheticsof even the most beautiful yard.

Manufactured with 40 percentwood fiber and 60 percent recycledpost-consumer plastic, the Frame ItAll(TM) rigid, green compositetimbers are attractive with a woodgrain finish that is UV protected.The raised garden bed timbers willnever rot, splinter, warp nor becomeinfested and are recyclable. Thepatented heavy duty, corner jointsand brackets make it simple to

increase the size and height dimen-sions at any time. Its like Legofor gardeners!!I have a small back yard which isused by my entire family and dog,says Nicole from Spring, Texas.

So I like having an area set apart

from the rest of the yard in which Ican garden. This system is so easyto put together, and it looks great!Im not a very good constructionperson, but I found the assemblyinstructions were easy to follow,

and all I needed was a screwdriver


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1-866-494-8988A

S08-690166

AS02-693973

and a mallet.Home vegetable growers controlthe quality of the soil, nutrients andother additives so veggies and fruitsgrown in a raised garden bed tastebetter, are healthier and cost muchless than those from bought at the

local market. Of course, the icingon the cake is the self-satisfactionand joy of serving up delicioustomatoes and veggies picked freshfrom the garden.

* Think vertically. Adding theVeggie Wall trellis from Frame ItAll(TM) to a raised bed vegetablegarden greatly increases the amount

of vertical growing space andprovides the needed support forcultivating squash, beans, tomatoesand other vines. As well as giving aviable option for those without a lotof space, a vertical growing systemalso pays numerous dividends tothe garden itself. Plants on the vineenjoy greater air circulation and so

are healthier and not as susceptibleto disease.

I just put mine together with my 13year old son, and it was a breeze,says Paula from Valley Forge, PA.We had lots of rain last night, so itwas very easy to get the corners intothe soil. We filled it with compost,chopped leaves, manure, and top

soil. I think this is a great raisedbed frame. We plan to plant onionsand garlic in this one, and will beputting more of these in the veggiegarden within the next few weeks.

* Add compost and mulch to thegarden. If weeds are a gardenersworst enemy, compost and mulchmight just be a gardeners best

friend. Compost adds any num-ber of microorganisms to the soil,strengthening a plants roots andenabling it to pick up more nutrientsin the process. Mulch, meanwhile,can help keep down harmful weeds,thereby reducing the competition aplant will have for valuable waterand nutrients.


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CompanionshipMeal PreparationGrocery ShoppingHousehold ChoresLaundry Errands

Pet CareRespite CareTransportationHospital Sitting

Nursing Home Sitting

Assisted Living SittingAlzheimers CareBathing/Dressing

AssistanceMedication Reminders

DOL/EEOICPA Provider Member of NPDA

1028 Hayne Ave., SW Aiken, SC

AS04-675013

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