Monthly Archives

September 2012

(SAVANNAH, GA) COMMUNITY HEADLINES, OCT 1, 2012

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(SAVANNAH, GA)  COMMUNITY   HEADLINES™

THE Local News WIRE 

 
 
(SAVANNAH, GA) FAMILY FUN THIS SATURDAY. Seventh Annual Lowcountry Down Syndrome Society Buddy Walk Festival Oct. 6, 2012. Grand Marshal is Paula Deen.    http://www.ldssga.org/buddywalk.html   

 

  

(SAVANNAH, GA) Please join the Savannah Morning News and St. Joseph’s/Candler Health System for a Press Conference on MONDAY, OCTOBER 1 at 11 AM in the  Savannah Morning News auditorium, 1375 Chatham Parkway, as we invite everyone to "Paint the Town Pink!" once again in 2012. The October 7th edition of the Savannah Morning News will be printed entirely on pink newsprint and will outline the events and plans for the month of October, including a day for mammograms on October 29. "Paint the Town Pink" is a public health initiative to raise awareness of breast cancer – research, treatment, early detection and prevention – through the pages of the Savannah Morning News and savannahnow.com/pink.  

(SAVANNAH, GA) The next event in ATDC Savannah’s and the Creative Coast’s Entrepreneur Food for Thought series will take place October 18th, 11.30am-1.00pm, at the campus of Georgia Tech Savannah. A social media expert panel will discuss and answer questions about "Social Media going Mobile". www.fftoct18.eventbrite.com.

(SAVANNAH, GA) Savannah Area Chamber of Commerce just posted the Award’s application http://savannahchamber.com/ms/2012-business-expo-and-awards  

(SAVANNAH, GA) Learn about Kickstarter fundraising campaigns, November 1, 6-7pm at the Creative Coast, $15.http://thecreativecoast.org/workshops

(SAVANNAH, GA) Reasons to cycle: Sleep more deeply.  Stanford University School of Medicine researchers asked sedentary insomnia sufferers to cycle for 20-30 minutes every other day. The result? The time required for the insomniacs to fall asleep was reduced by half, and sleep time increased by almost an hour. "Exercising outside exposes you to daylight," explains Professor Jim Horne from Loughborough University’s Sleep Research Centre. "This helps get your circadian rhythm back in sync, and also rids your body of cortisol, the stress hormone that can prevent deep, regenerative sleep." https://bicyclecampaign.org/

(SAVANNAH, GA) Lisa Bell recently joined Celia Dunn Sotheby’s International Realty as sales associate. A graduate of the University of Richmond, Bell has a professional background in marketing and advertising. Known for its tradition of integrity, Celia Dunn Sotheby’s International Realty specializes in residential and commercial properties in Savannah and the Low Country of Georgia and South Carolina. http://www.celiadunnsir.com/agents/lisa-bell/

(SAVANNAH, GA) When we focus on joys, the learning centers in our brain turn on. To do so has not only personal benefits but can also enhance every single business outcome, says Harvard-trained researcher Shawn Achor in this engaging TED lecture about the secret of better work:
http://www.youtube.com/watch?v=fLJsdqxnZb0&feature=player_embedded

(SAVANNAH, GA) You are invited to CEMCS PTO Fall Celebration at Bamboo Farm and Coastal Gardens on November 17, 2012 from 11 to 4. You and your children will enjoy live music, bounce houses, face painting, carnival type games, and much more.  More information at http://www.cemcspto.org/uploads/3/1/2/4/3124054/fall_celebration.pdf.

 
(SAVANNAH, GA) Goodwill Industries of the Coastal Empire along with Savannah agencies come together to fight homelessness in Savannah.
http://www.thecoastalsource.com/news/local/story/Veterans-Resource-and-Job-Fair-this-week/J5-1Ln6sb0miloAnvzJrCg.cspx

(SAVANNAH, GA) Celia Dunn Sotheby’s International Realty presents 40 East 50th Street by Agent Casey Schivera. 912-234-3323 http://www.celiadunnsir.com/listings/residential/mls-101801-40-east-50th-street/  

  

  

(SAVANNAH, GA) Six things to help you get smarter about retirement.  http://mysavannah.wordpress.com/2012/09/20/six-things-to-help-you-plan-for-a-smarter-retirement/

 (SAVANNAH, GA) There is a solution to retirement investment challenges that Certified Financial Planner Barbara Treadwell calls the best retirement savings strategy she’s seen in her 30 years in the business. Treadwell will give a seminar called "The Smart Retirement Savings Strategy" at 7 p.m. Tuesday, Oct. 9 at Jepson Center for the Arts at a cost of $25. Find out how to maximize the money and minimize the mistakes.
http://retirementsavingspublicoct9th.eventbrite.com
www.barbaratreadwell.com

(SAVANNAH, GA) The University of Georgia Small Business Development Center in Savannah cordially invites you to a reception formally welcoming their new Area Director, Kyle Hensel, 5:00 p.m. to 7:00 p.m. on Tuesday October 9th at the Small Business Resource Center at 111 East Liberty Street. RSVP by October 5th by – Liz Overstreet at 912-651-3200 or at  

loverstreet@georgiasbdc.org

 

(SAVANNAH, GA)  Savannah Downtown Business Association’s October Luncheon.  Wednesday, October 10 at Outback Steakhouse on Drayton Street.  Networking at 11:30 AM with the program starting at noon . www.savannahdba.com   

 

 

(SAVANNAH, GA) SCORE’s team of experienced business counselors assists small business owners in finding answers to their business questions. This counseling service is free. To schedule a counseling appointment call 652-4335 or visit www.scoresav.org  

  

(SAVANNAH, GA) Pasta on the Park for a great cause!  Enjoy family fun the evening before the 2nd Annual Savannah Rock N’ Roll Marathon on Nov 2 at 4pm at the American Legion  All money from the pasta dinner will go to support Liam’s Land Medical Research Grant for lymphatic malformation.  $10 now or $15 at the door. www.liamsland.org/2011/rock-the-marathon-for-liam-pre-race-carbo-loading-dinner/
 
(SAVANNAH, GA) Park Place Outreach Youth Emergency Shelter. is here to offer a safe place to go to 24 hours a day, 7 days a week. When you can’t stay at home, don’t hit the streets – call (912) 234 4048 or stop by the shelter at 514 E. Henry Street, Savannah, Georgia. http://parkplaceyes.org/

 
(SAVANNAH, GA) Film Featuring Savannah’s LEED-Certified Park Place Outreach – Youth Emergency Shelter to be Screened at International USGBC Conference. http://www.youtube.com/watch?v=7iOwyAtFO5s

(ISLE OF HOPE, GA) Enjoy a day on the island with the Isle of Hope United Methodist Church.  Friday, October 12th, 10:00 a.m. – 3:00 p.m.  Activities include a tour of five Isle of Hope homes, a luncheon, a silent auction, a Sugar and Spice Shop, a "White Elephant" shop, and a Chic Yarn Boutique.   Tickets are $25. For more information, call 912-355-8527.

(SAVANNAH, GA) Investors and entrepreneurs come out for Startup Lounge 2012! October 25th, 6 – 8 p.m.  Register by September 24th.   www.fastpitchcompetition.com

(SAVANNAH, GA) Open House on the 13th of October, from 10:30 to 2:30, to learn more about Krav Maga – a technique of self-defense and counter-
attack. Call (912)- 441-4891 www.customfitcenter.com 

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(AUGUSTA, GA) COMMUNITY HEADLINES, OCT 1, 2012

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(AUGUSTA, GA) The Lucy Craft Laney Museum of Black History and Historic Augusta, Inc. will present the third annual symposium, "This Place Matters: Preserving Augusta’s African-American Communities," Friday & Saturday, Oct. 19-20.
lucycraftlaneymuseum.com/

(AUGUSTA, GA) New Bethlehem Community Center, Inc. will celebrate 100 years of service with two events.  On Saturday, October 13, 2012 from 10:00 a.m. until 4:00 p.m. a Centennial Festival will be held on the grounds of the Center with inflatables, games, activities, food, entertainment, and prizes for all ages.  Vendors are welcome.  On Sunday, October 21, 2012 at 3:00 p.m., the Alumni and Friends of New Bethlehem Community Center will sponsor “A Celebration of 100 Years of Service, Accomplishments, Achievements and Memories.”  Memories and advertisements are being solicited.  The community is invited to participate.  Please call (706) 722-0086 for more information.  

(AUGUSTA, GA) Georgia Health Sciences University, in conjunction with the Augusta Warrior Project, Charlie Norwood Veterans Affairs Medical Center and Dwight David Eisenhower Army Medical Center, will present the second annual Augusta Research Symposium on Advances in Warrior Care: An Integrated Approach Oct. 29 at the Kroc Community Center in Augusta.
http://www.georgiahealth.edu/research/warriorcare/register.html.

(AUGUSTA, GA) – Trinity Hospital of Augusta was named as one of the nation’s Top Performers on Key Quality Measures by The Joint Commission, the leading accreditor of health care organizations in America.
http://www.trinityofaugusta.com/Pages/home.aspx

(AUGUSTA, GA) 30901 Development Corporation announced that its Linden Square Senior Apartment Community is now taking applications for senior residents.  Linden Square is a forty-eight (48) unit, gated apartment community for persons aged 55 and older located at 1425 Lee Beard Way, Augusta, Georgia. (In the heart of the Historic Bethlehem Community)  It is a high quality housing alternative for independent seniors. The complex is affordable for all incomes ranges and Section-8 Vouchers are accepted.
http://30901dc.org/

(AUGUSTA, GA)  In celebration of the Morris Museum’s twentieth anniversary, the Morris is offering FREE admission for 20 days-September 25-October 14, 2012.
themorris.org

(AUGUSTA, GA) Construction is well underway on a new 15-unit residential development by the United House of Prayer in the East Mill Village area of Laney Walker/Bethlehem.
www.laneywalkerbethlehem.com

(AUGUSTA, GA) The Laney Walker/Bethlehem Development team is offering presentations to area employers on affordable home ownership opportunities in Augusta’s downtown area. For more information, contact Shawn Edwards at SEdwards@augustaga.gov. laneywalkerbethlehem.com.

(AUGUSTA, GA) Sign up for the AUGUSTA, GA COMMUNiTY HEADLiNES:     http://www.laneywalkerbethlehem.com/media/community-headlines/.

Sales Associate Lisa Bell joins Celia Dunn Sotheby’s International Realty

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(SAVANNAH, Ga.) – Lisa Bell recently joined Celia Dunn Sotheby’s International Realty as sales associate. After graduating from the University of Richmond, she spent more than 10 years in marketing and advertising in South Carolina and Georgia. Her marketing and advertising skills help her position clients’ homes to get noticed by buyers and therefore sell more quickly. “With an innate love of real estate and the knowledge and experience gained in my professional life, I am committed to providing clients with an unsurpassed level of personal service and attention to detail,” Lisa said. She has extensive experience in historic restoration having restored numerous homes in Savannah as well as building what she calls a “new old house.”Lisa spent much of her childhood moving across the East Coast. She fondly remembers her many journeys with her parents looking for their next homes. But the South is where she is most at home. Outside of work she enjoys the many outdoor activities that the Lowcountry has to offer and spending time with her husband and three children. Lisa is involved with various school endeavors and has been involved in events to support both local and national charities.

Known for its tradition of integrity, Celia Dunn Sotheby’s International Realty specializes in residential and commercial properties in Savannah and the Low Country of Georgia and South Carolina. Founded in 1981, Celia Dunn Sotheby’s International Realty is noted for outstanding service to its clients, thorough knowledge of Savannah and the South Carolina Low Country, and excellent staff, in addition to having one of the region’s top property management departments. The owners are natives of Savannah who have more than 60 years’ combined experience in real estate. The offices are located at 9, 13, and 17 West Charlton Street on Madison Square in Savannah and 336 Buck Island Road in Bluffton, S.C. 

For more information, call Celia Dunn Sotheby’s International Realty at (912) 234-3323 or visit www.celiadunnsir.com . To contact the Bluffton office, call (843) 836-3900.

AP vs IB – high school curriculum

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International Baccalaureate vs. Advanced Placement • Why IB?

by LS Head Dr. Kelley Waldron

As college admissions becomes progressively more competitive, parents are becoming increasingly more educated consumers of their children’s school programs and curricula in hopes of giving their child the added advantages now that will pay off in the long run. As a school that made the decision to transition from an Advanced Placement (AP) program to International Baccalaureate (IB), we are often asked how these two programs compare and why we have invested in the latter. We were authorized to begin delivering the IB program in the spring of 2008 and have gained much momentum and positive response from the stakeholders in our community. This position paper explains our IB program in more depth and why we feel it is a more valuable education and preparation for our students than a traditional AP program.

WHAT EXACTLY IS IB?
You might receive different answers to this question depending who you ask in our school community. If you ask our students, they will tell you it is a challenging but very rewarding and meaningful curriculum, more empowering than traditional methods. If you ask our teachers, they would probably explain that it is an approach that involves much more student ownership of learning and emphasizes critical thinking and communication of knowledge more than just memorization. If you ask a parent, they might tell you it is that program that gives their child a competitive edge in both college admissions and preparation that may even have some pay-offs in terms of gaining college credit.

IB is all of these and more- it is a program than emphasizes depth over breadth, with the philosophy that a challenging curriculum means understanding of the material in authentic applications, not just memorization of facts and figures. The IB program is comprehensive in providing students with exposure to advanced content in the various subject areas while also emphasizing intellectual skills and dispositions that transfer across subject areas and will lead them to success in whatever field of study they decide to pursue at university or in their careers.

COLLEGE PREPARATION
There have been a number of studies undertaken to look at the success of IB students versus traditional college preparation programs. Acceptance rates of IB students at the most universities are higher than that for non-IB or traditional applicants, suggesting that IB students are respected and desirable to college admissions offices. Graduation rates at four-year universities of IB diploma students surpass those of the national average substantially, confirming that IB gives students the attitudes and skills necessary to be successful in college and beyond. This distinction is important in a time when grade inflation seems to be an ever-present concern and savvy parents and students are doing everything they can to polish off resumes and applications to get in the doors of universities. IB is not just about an impressive transcript, and colleges know that. They know that IB prepares students well not only for the rigor of classes and content, but trains students to engage in meaningful problem-solving and to be able to ask relevant questions and answer those questions creatively- skills not easily taught within the demands of college classes. They also know that students who complete IB programs are passionate pursuers of the “why?” questions, which is what generates new ideas and leads you to deeper understandings.

21ST CENTURY RELEVANCE
While we are a college preparatory school and make every effort to complete that task with excellence, we are cognizant that we are preparing our students for success now and in their futures beyond university as well. We believe that the IB program provides one of the most relevant curriculum to meet the demands, desires, and needs of the 21st century learner. Increasingly, what determines success is not how much information or knowledge a person has but how well they are able to use and apply it in new and creative fashions. The ability to learn how to learn is of value in a time when technology is allowing information and knowledge to expand at exponential rates and is a critical skill for any professional entering the workforce.

In the IB diploma program, students take six IB courses over their 11th and 12th grade years, one in each of the major academic disciplines. Students also complete an extensive research project, the Extended Essay, in which they choose a subject and topic of their choice and work with a faculty mentor to produce a 12-16 page piece of original research. IB diploma students take a class called Theory of Knowledge which asks them to think about themselves and their place as learners in a global society, making interdisciplinary ties between all the subject areas and gaining a better understanding of how each discipline works.

Lastly, IB diploma students must complete Creativity, Action, and Service hours that require students to not just be active learners in the classroom but to do so in their communities as well. The combination of two year courses and the three core components of the IB diploma program provide a much more comprehensive approach to learning than an individual class or course, producing well-rounded, reflective, knowledgeable, and caring students.

http://www.saintschool.com/podium/default.aspx?t=102300

(AUGUSTA, GA) COMMUNIYT HEADLINES, SEPTEMBER 24, 2012

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(AUGUSTA, GA) The next Laney Walker/Bethlehem quarterly community meeting will take place Tuesday, September 25 at 6:00 PM at the Family Life Center of Tabernacle Baptist Church. The public is encouraged to come hear about recent development activity and upcoming events.
laneywalkerbethlehem.com 

 

(AUGUSTA, GA) The Lucy Craft Laney Museum of Black History and Historic Augusta, Inc. will present the third annual symposium, "This Place Matters: Preserving Augusta’s African-American Communities," Friday & Saturday, Oct. 19-20.
lucycraftlaneymuseum.com/ 

 

(AUGUSTA, GA)The Heritage Pine Homeowners Association will hold its monthly meeting on Monday, September 24 at 6:00 PM at the Heritage Pine Model Home, 1228 Pine Street.
www.heritagepineaugusta.com 

 

(AUGUSTA, GA) – Trinity Hospital of Augusta was named last week as one of the nation’s Top Performers on Key Quality Measures by The Joint Commission, the leading accreditor of health care organizations in America.
http://www.trinityofaugusta.com/Pages/home.aspx 

 

(AUGUSTA, GA) 30901 Development Corporation announced that its Linden Square Senior Apartment Community is now taking applications for senior residents. Linden Square is a forty-eight (48) unit, gated apartment community for persons aged 55 and older located at 1425 Lee Beard Way, Augusta, Georgia. (In the heart of the Historic Bethlehem Community) It is a high quality housing alternative for independent seniors. The complex is affordable for all incomes ranges and Section-8 Vouchers are accepted.
http://30901dc.org/ 

 

(AUGUSTA, GA) New Bethlehem Community Center will celebrate 100 years of service in Augusta with two events. The community is invited to enjoy the Centennial Festival on Saturday, October 13, 2012 from 10:00 a.m. until 4:00 p.m. Registrations are being accepted for vendors and participants. On Sunday, October 21, 2012, the Alumni and Friends of New Bethlehem will host "100 Years of Memories and Accomplishments" at 3:00 p.m. For more information about these events, call (706) 722-0086.

 

(AUGUSTA, GA) In celebration of the Morris Museum’s twentieth anniversary, the Morris is offering FREE admission for 20 days-September 25-October 14, 2012.
themorris.org 

 

(AUGUSTA, GA) Construction is well underway on a new 15-unit residential development by the United House of Prayer in the East Mill Village area of Laney Walker/Bethlehem.
www.laneywalkerbethlehem.com

 

(AUGUSTA, GA) The Laney Walker/Bethlehem Development team is offering presentations to area employers on affordable home ownership opportunities in Augusta’s downtown area. For more information, contact Shawn Edwards at SEdwards@augustaga.gov. laneywalkerbethlehem.com.

 

(AUGUSTA, GA) Sign up for the AUGUSTA, GA COMMUNiTY HEADLiNES: http://www.laneywalkerbethlehem.com/media/community-headlines/. 

 

 

(SAVANNAH, GA) COMMUNITY HEADLINES, SEPT 24, 2012

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(SAVANNAH, GA) Six things to help you get smarter about retirement.  http://mysavannah.wordpress.com/2012/09/20/six-things-to-help-you-plan-for-a-smarter-retirement/

 

(SAVANNAH, GA) Goodwill Industries of the Coastal Empire has already placed more people in employment this year than it did in all of 2011. www.goodwillsavannah.org

(SAVANNAH, GA) There is a solution to retirement investment challenges that Certified Financial Planner Barbara Treadwell calls the best retirement savings strategy she’s seen in her 30 years in the business. Treadwell will give a seminar called "The Smart Retirement Savings Strategy" at 7 p.m. Tuesday, Oct. 9 at Jepson Center for the Arts at a cost of $25. Find out how to maximize the money and minimize the mistakes.
http://retirementsavingspublicoct9th.eventbrite.com
www.barbaratreadwell.com

(SAVANNAH, GA) The University of Georgia Small Business Development Center in Savannah cordially invites you to a reception formally welcoming their new Area Director, Kyle Hensel, 5:00 p.m. to 7:00 p.m. on Tuesday October 9th at the Small Business Resource Center at 111 East Liberty Street. RSVP by October 5th by – Liz Overstreet at 912-651-3200 or at  

loverstreet@georgiasbdc.org

(SAVANNAH, GA) Skidaway Institute of Oceanography professor Clark Alexander and Georgia Southern University professor Chester Jackson will present a program entitled "Living on the Edge – Coastal Hazards in Georgia" on Monday, October 22, at 7 p.m. in the Library Auditorium on the campus of the Skidaway Institute of Oceanography at the north end of Skidaway Island. The talk is open to the public and admission is free. www.skio.usg.edu

  

(SAVANNAH, GA) Savannah agencies come together to end homelessness in our community at the Ninth Annual Stand Down for Homelessness.  Everyone is welcome at the two day job fair at the Savannah Civic Center.  September 25 and 26, a resource fair from 8 AM to 2 PM, and a job fair from 9 AM to 2 PM.  To attend the job fair as a prospective employer of veterans, become a community partner, or serve as a volunteer contact Tabeter Robinson at (912) 663-8187 or trobinson@goodwillsavannah.org

 

(SAVANNAH, GA)  Savannah Downtown Business Association’s October Luncheon.  Wednesday, October 10 at Outback Steakhouse on Drayton Street.  Networking at 11:30 AM with the program starting at noon . www.savannahdba.com   

 

(SAVANNAH, GA) Come out and watch HBO’s, The Weight of the Nation.  Screenings: September 26, 5 PM, Memorial Health’s Campus.  October 27, 4 PM, Beach Institute.  November 20, 5:30 PM, Southwest Library.

  

(SAVANNAH, GA) SCORE’s team of experienced business counselors assists small business owners in finding answers to their business questions. This counseling service is free. To schedule a counseling appointment call 652-4335 or visit www.scoresav.org  

  

(SAVANNAH, GA) Pasta on the Park for a great cause!  Enjoy family fun the evening before the 2nd Annual Savannah Rock N’ Roll Marathon on Nov 2 at 4pm at the American Legion  All money from the pasta dinner will go to support Liam’s Land Medical Research Grant for lymphatic malformation.  $10 now or $15 at the door. www.liamsland.org/2011/rock-the-marathon-for-liam-pre-race-carbo-loading-dinner/
 
(SAVANNAH, GA) Park Place Outreach Youth Emergency Shelter. is here to offer a safe place to go to 24 hours a day, 7 days a week. When you can’t stay at home, don’t hit the streets – call (912) 234 4048 or stop by the shelter at 514 E. Henry Street, Savannah, Georgia. http://parkplaceyes.org/

 
(SAVANNAH, GA) Film Featuring Savannah’s LEED-Certified Park Place Outreach – Youth Emergency Shelter to be Screened at International USGBC Conference. http://www.youtube.com/watch?v=7iOwyAtFO5s

(SAVANNAH, GA) Save the Date: Seventh Annual Lowcountry Down Syndrome Society Buddy Walk Festival Oct. 6, 2012. Grand Marshal is Paula Deen.   http://www.ldssga.org/buddywalk.html   

(ISLE OF HOPE, GA) Enjoy a day on the island with the Isle of Hope United Methodist Church.  Friday, October 12th, 10:00 a.m. – 3:00 p.m.  Activities include a tour of five Isle of Hope homes, a luncheon, a silent auction, a Sugar and Spice Shop, a "White Elephant" shop, and a Chic Yarn Boutique.   Tickets are $25. For more information, call 912-355-8527.

(SAVANNAH, GA) Investors and entrepreneurs come out for Startup Lounge 2012! October 25th, 6 – 8 p.m.  Register by September 24th.   www.fastpitchcompetition.com

(SAVANNAH, GA) Come out and watch HBO’s, The Weight of the Nation.  Screenings, September 26th, 5:00 p.m., Memorial Health’s Campus.  October 27th, 4:00 p.m., Beach Institute.  November 20th, 5:30 p.m., Southwest Library.

(SAVANNAH, GA) Follow SAVANNAH COMMUNITY HEADLINES™ on TWITTER  

  http://twitter.com/carriagetradepr    

    

 

barbara_treadwell.png

Six tips to get you ready for retirement

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(SAVANNAH, GA) Certified Financial Planner Barbara Treadwell is ready to help you plan for retirement.

barbara_treadwell.png

Saving enough money to last a lifetime is a daunting task. The bad news is that fewer than 10 percent of retirees have enough money to live comfortably. The good news is that there is a way to reverse that trend.  Believe it or not, saving money is the easy part. The tricky part is spending it. It is one continuous journey and you must begin with the end in mind. Here are six points to help you get smarter about retirement.

Begin with the end in mind.

 

If you were going to climb Mt. Everest, chances are you would hire a guide. What if the guide told you he was very good at getting to the top of the summit, but not so good at getting back down safely. Would you look for another guide?

Two different people can have $1 million and have very different outcomes. One will stick with a safe withdrawal rate of 3.5 percent and take an annual income of $35,000. Another with the same $1,000,000 can safely have an income of $75,000 because he structured his journey to the top of the money very differently.

 

Understand the Phases of Money

 

 Do you understand how retirement income stream works?

There are two phases to the journey: the pre-retirement phase (accumulation) and the retirement phase (distribution). Accumulation and Distribution each have their own rates and both rates are equally important. Understanding how income streams work help you know how to pack your bag for the journey.  

 

There is no such thing as an average rate of return.

 

Between 1970 and 1999 the average rate of return was 14.81 percent. But there were lots of ups and downs in between. If you were in the accumulation phase during that time, you could ride out the ups and downs. However, what gives people problems is how fluctuating rates of return affect their portfolio when they are withdrawing money for retirement income. You would expect that if the retire withdrew a consistent 10 percent from a portfolio that averaged almost 15 percent, their portfolio balance would grow over 30 years. The reality is they would be flat broke in less than 15 years.

 

This happened to my parents. We were not rich by any means, but we were comfortable and my brother and I were well educated. My parents saved money religiously. My dad retired in 1973. The average rate of return was about 13 percent over their 25 year life expectancy, but the market took two bad hits in ’73 and ’74 and they lost 50 percent of their life savings in the first two years of retirement. My dad went back to work.

 

The average rate of return is a myth, and yet it is used in every single projection for retirement savings.

 

Experts now suggest you only withdraw 3 – 4 percent of your retirement nest egg on an annual basis to avoid running out of money.

 

The financial industry has attempted to provide a solution to the problem. There are powerful software programs (it’s called Monte Carlo) that use market data over 100 years in every possible portfolio construction under every possible circumstance. These studies use various rates of withdrawal from the initial asset base to determine the probability of having a positive portfolio balance years into retirement. They are looking for a safe withdrawal rate.

The exhaustive Monte Carlo simulations have shown that an 8 percent withdrawal rate has only a 5 percent probability of having a positive account balance 30 years into retirement. Or put another way, there is a 95 percent chance of running out of money.

It doesn’t take a rocket scientist to conclude that a lower withdrawal rate is needed. The experts now say that 3-4 percent is the safe withdrawal rate. This isn’t particularly helpful because most people cannot survive on 3.5 percent of their accumulated nest egg. In fact, with our strategy, we are aiming for 7-13 percent income stream.

 

 People interrupt the “maturity of money” cycle and start over multiple times on their savings projects.

 

These interruptions may cost hundreds of thousands of dollars in lost opportunity cost. One big example is college funding. If a parent starts saving money for college the day their child is born, and the child indeed goes to college, two things happen. The child marches out the door and the money marches out the door. Not only have they lost 18 years of accumulated savings, but they’ve lost the possible earnings on that accumulated college fund for the rest of their lives.

 

When we begin with the end in mind, we are constantly taking a holistic bird’s eye view of the family finances. We are not making the mistake of compartmentalizing the financial decisions: 401 (k), real estate mortgage, insurance, brokerage account, etc. Rather we learn to integrate and coordinate all those assets so that we can recapture as much of the money as possible.  We want our clients to understand that they can lose more money than they save because of the things that erode wealth of which they are barely conscious.

 

It is important to achieve true diversification.

 

Diversifying among stocks, bonds, real estate and business interests is not true diversification – all those assets can go down in value in the same year, and we have seen that happen recently.

 

True diversification means that you will have some assets that are not correlated to and have different attributes from the traditional retirement assets. We will explore this affect in the seminar.

 

If you go: “The Smart Retirement Savings Strategy”

There are several challenges to having a comfortable retirement, but there is a solution. Barbara Treadwell, Certified Financial Planner, is giving a seminar called “The Smart Retirement Savings Strategy” at 7 p.m. Tuesday, Oct. 9 at Jepson Center for the Arts at a cost of $25. http://retirementsavingspublicoct9th.eventbrite.com

Barbara Treadwell says, “I’ve been in the financial industry for 30 years and I am a student of my own business. This is hands down the best retirement savings strategy I have seen in all my years in the business. People who attend will enjoy learning how retirement income streams work and how to pack their bag for this journey. We will demonstrate how to dramatically increase retirement income.”  

The seminar will be most helpful to people age 30-55 but there is information helpful to older people as well. www.barbaratreadwell.com

About Barbara Treadwell:

Barbara Treadwell, a Certified Financial Planner, has been in the financial services industry for almost 30 years and has financial planning practices in New York City and Savannah. She is a frequent industry speaker and is published on topics ranging from estate analysis to business succession strategies. Her specialties include Financial Planning, Retirement Strategies, Cash Flow, Tax Planning, Investments, Employee Benefits, Estate Planning, Life, Disability and Long Term Care Insurance.

www.barbaratreadwell.com

St. Andrew’s School in Savannah Brings National Speaker To Campus

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St. Andrew’s School in Savannah Brings National Speaker To Campus

St. Andrew’s School in Savannah, Georgia is pleased to take the lead in Middle School education for the 21st century.
St. Andrew’s, a Savannah private school, is pleased to welcome nationally recognized author and speaker, Joe Bruzzese to campus.  The program is set for October 9 and 10 beginning at 6 p.m. at St. Andrew’s School.  The presentation is open to the public and reservations may be secured at saintschool.com.

Joe Bruzzese, author of A Parents’ Guide to the Middle School Years and parent education expert, speaks to parents across the United States offering practical and long term strategies for overcoming the struggles of the middle school years.  Joe’s background in education includes a Master’s degree in addition to his former tenure as teacher in the middle school grades.  Joe brings years of educational theory and practical experience to his work with families.

“We are excited to bring Mr. Bruzzese to Savannah and hope parents from throughout the community will take advantage of this opportunity,” said Pete Smith, St. Andrew’s Middle School Head.  “All families can benefit from a practical set of strategies for navigating the middle school years.”

On Tuesday, October 9, the program focuses on students’ needs in 5th and 6th grade; the October 10 program provides more information for parents of 7th and 8th graders.  However, the program is open to all adults.  A $10 donation per adult is requested.

St. Andrew’s is an independent International Baccalaureate World School committed to being a leader in 21st century teaching and learning, which includes a curricular focus on creativity, communication, critical thinking, collaboration and character.  For more information, please visit http://www.saintschool.com

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Goodwill gets jobs for more people with disabilities by July 2012 than it did in all 2011

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(SAVANNAH, Ga.) – Goodwill Industries of the Coastal Empire has already placed more people with disabilities in employment by July of this year than it did in all 2011. And anyone with a disability who has faced serious challenges to getting a job knows that work opens doors to independence, confidence and a new life.

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Kathy Wynn, 52, has worked in the production area of the Goodwill in Hinesville, hanging clothes, for eight years.

It’s my first job in my life,” said Wynn, a person without sight. She tried to get jobs before without any luck. But training from Goodwill prepared her for work, and then she landed her job.

“I used to be at home, always relying on other folks,” Wynn said. There was a point in time when I felt down and out. I wanted to work, and I kept trying and trying and finally I got hired. I wanted a paycheck of my own and I wanted to be on my own.

I feel good I’m out in the world and I’m working,” Wynn said. I love what I do.  I’m getting a house by working,” said Wynn, who is planning to buy her own home soon.

Goodwill store manager Melvina Deverger has been at the Hinesville Goodwill since before Wynn came to work there, so she’s seen how having a job changed her.

“I see she’s happier,” Deverger said. “Since she’s gotten this job and this independence, I feel she’s gotten more confident. It’s been a great, massive change. You can see it.

Goodwill Industries International reports that 80 percent of people with disabilities are not in the work force, said Brenda Pollen, director of Workforce Development Services for Goodwill Industries of the Coastal Empire.

The job market is highly competitive,” Pollen said. “This is one of the reasons why our work training programs is a necessary tool. Work training provides a realistic hands-on approach to job readiness.” 

In July 2012, Goodwill of the Coastal Empire placed 117 people into competitive employment. So far this year, 13,099 individuals have received training services and 763 entered employment. That’s up from last year, when 18,916 people were trained and 644 were placed in competitive employment in all of 2011.

“Over 45 years of service, Goodwill Industries is the largest employer and trainer of persons with disabilities in Chatham County,” said Pollen, who has worked with Goodwill for 26 years. Out of the 550 area Goodwill workers, 367 are disabled, Pollen said.

“We train people to work because jobs change lives,” Pollen said. “We help create a better community through the power of work.”

Paul Click, who had worked for years as a restaurant general manager, started losing his eyesight in 2004. He found it hard to get another job.

 

“I was dying without a job, not just financially but emotionally,” Click said. “I had worked all my life.”

 

Goodwill training showed him what he could do, taught him how to go to work again, learn about accommodations for vision problems and blindness. He got a job with Goodwill’s G-Force in 2006, purchasing materials and planning work.

 

“It made me feel normal again,” said Click, who was grateful that the job made it possible for his daughter to have senior pictures and go to her prom. “It was getting my life back in place.”

 

About Goodwill Industries of the Coastal Empire

Goodwill Industries of the Coastal Empire, Inc. is dedicated to the mission of assisting people with disabilities and other barriers to employment to live independently and become employed.  The not-for-profit organization employs nearly 600 people, provided services to approximately 18,916 people and placed 644 people in jobs in our community this year.  Goodwill Industries of the Coastal Empire serves 33 counties in Georgia and South Carolina and operates 13 retail locations in the region. Goodwill accepts tax deductable car donations and operates an online store at shopgoodwill.com. For more information on Goodwill Industries of the Coastal Empire, please visit www.goodwillsavannah.org.

Savannah Agencies Host Event to End Homelessness in Savannah

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(SAVANNAH, GA) Goodwill Industries of the Coastal Empire, Chatham-Savannah Authority for the Homeless and other local agencies will host the Ninth Annual Stand Down for Homelessness.

This year’s event will encompass two days, September 25 and 26 in order to provide a resource fair from 8 AM to 2 PM and a job fair daily from 9 AM to 2 PM. These events are open to all at the Savannah Civic Center, located at 301 West Oglethorpe. This two day event will serve as a one-stop shop of resources for the homeless as well as others in need within our community. People in need will be able to speak face-to-face with more than 50 vendors gathered to discuss information about jobs, veterans’ services, housing, and social programs.

On Tuesday, September 25, area homeless will be able to meet directly with local and state agencies about jobs, housing and healthcare. Other services include resume writing tips, substance abuse treatment and access to Social Security and  Veteran’s Administration services. Attendees can expect to receive personal attention from housing providers and case managers. Additionally, attendees will be able to receive services like flu shots, haircuts and teeth cleaning.

Previous years of success indicate that these events are a great way to directly connect homeless citizens with the resources they desperately need to help them get back on their feet. According to Chatham-Savannah Authority for the Homeless, last year 5541 individuals experienced homelessness in Chatham County.

The annual Stand Down event is funded in part by Goodwill Industries of the Coastal Empire, Inc. Operation Open Doors, US Department of Labor – Veterans Employment and Training Services, the United States Department of Veterans Affairs, The Salvation Army, the American Legion and the Chatham-Savannah Authority for the Homeless.

On Wednesday, September 26, Congressman Jack Kingston will serve as an honorary co-host along with the collaborative partners for the job fair at the Savannah Civic Center. This is a great opportunity to find employment and for local businesses to locate dependable potential employees that are ready to work and qualified to do the job.

If you or someone you know is in need, contact (912) 790-3400 to seek help today. To attend the job fair as a prospective employer of veterans, become a community partner, or serve as a volunteer contact Tabeter Robinson at (912) 663-8187 or trobinson@goodwillsavannah.org .