fit & family summer 2012

Flip OVER for a Deal from Honda

is YOUR Family

FIT?

PHYSICALLY, FAMILY, FINANCIALLY & CHARITABLY

JUNE/JULY 2012

Paid advertising within does not represent an endorsement by this publication or the advertisers. All content belongs to MacBen Marketing and cannot be repro-duced without written consent.

All rights reserved. Real Estate advertised herein is subject to the Federal Fair Housing Act of 1968.

Contents

On The Cover

The Bright Family from Aiken, SC loves to visit Hunting Island. They and their dog “pocket” went for an early morning paddle in the lagoon.

Special thanks to Eric with the Kayak Farm for providing the kayaks.

History Tidbits ....................................................4Boys Scouts .... ....................................................6A Father’s Legacy . . ...........................................8Family Fit Recipe...............................................10Fourth of July. ....................................................12Newlyweds!.........................................................20Stokes Honda .....................................................22

Drink Water! ............ .........................................14Stand Up Paddleboarding................................. 16Yoga ....................................................................18

Summer Camp at the Y.....................................24The Gift of Dentistry..........................................26CAPA .................................................................28

10 Tips for Saving Money.................................30 Creating a Budget...................................34 Buying a Foreclosure.............................35

Family Scene! .......................................... 36

Family Fit

Physically Fit

Charitably Fit

Financially Fit

JOIN US!

The 4 Balancing Weights

1. Family Fit

2. Physically Fit

3. Charitably Fit

4. Financially Fit

We are looking for Sales Consultants and Interns to help us reach the communities of Beaufort, Bluffton and Hilton Head. see website for details.www.fitandfamily.com

• See pictures not in the magazine

• Get behind the scenes stories

• Let us hear from you!https://www.facebook.com/FitandFamily

Like Us On Facebook!

GraceAnna Castleberry Kelley Luikey Monica WilkinsonOur

Contributors

Thank You!

Advertising Director Eric Grierson

Publisher Shannon Grierson

Fit & Family Magazine is produced six times a year by MacBen Marketing, owned by Eric and Shan-non Grierson. Each issue is continued on the website at www.fitandfamily.com. Subscription and advertising in-formation is also available online. For more information please contact us: 843-217-5853

[email protected] | [email protected]

www.FitandFamily.com

Holly Cordray Ian Hart Kendall Erickson

not pictured

School is out! Let the busy summer begin.

It seems that for most families, summer time is the busiest time of the year. We have camps to get kids to, vacations to take, fam-ily coming into town for a visit, and holiday events to plan. Nevermind the fact that we parents still have to work!

I have talked to many parents about their plans this summer and everyone says they are having to be more choosey about what they are going to do. Most choose maybe one or two camps and throw a vacation in the middle somewhere to break up the summer. Some are taking one nice vacation, but forgoe the camps. Mostly we are realizing, we just can’t do it all!

This summer we (me and my family) are going to enjoy what we have right here in Beaufort. Sands Beach, fishing, bike riding, VBS, swimming, and backyard fun.

We decided to hang an old fashioned tire swing to a large, lonely oak tree in our backyard. We even rescued the tire from the muck and mire of our back yard marsh! Took a lot of spraying out (sorry little crabs) to get it cleaned up, but we felt good about giving it a new life!

I am on the lookout for ideas to do with the kids that doesn’t cost a lot of money. I think we will check out the nature trail on Par-ris Island and we probably will make a trip to Bee City.

What other ideas do you guys have? Log in to our Facebook page and share some ideas with us Moms!

We hope you have a safe and wonderful summer full of memories that don’t cost alot!!

Take lots of pictures and then send them to us! We would love to see what you have been up to.

Historic Downtown Beaufort Shopping

Truly a unique shopping experience!

You’ll find the most unique gifts, artwork, restaurants, and boutiques in Downtown Beaufort. The experience of walking these historic streets while taking in the waterfront views beats going to the mall any day!

History

Tidbit

400 Wilmington Street. Built in 1811 and occupied by the federal military commander, Gen. Stevens, and his staff during the Civil War, it was also used as a hospital. Smith also owned the Old Fort Plantation, now the site of Beaufort’s Naval Hospital.

� Fit & Family Magazine | Beaufort • Bluffton • Hilton Head

“Marshlands,” 501 Pinckney Street. Built around 1814 by James Robert Verdier, son of John Mark Verdier, and used during the Civil War as headquar-ters of the U.S. Sanitary Commission. It is the imaginary home of Emily Fen-wick, the heroine of Francis Griswold’s Civil War novel, Sea Island Lady.

History

Tidbit

�www.FitandFamily.com | June/July 2012

� Fit & Family Magazine | Beaufort • Bluffton • Hilton Head

Boy Scouts of America

The Boy Scouts of America, founded in 1910, is one of the largest youth-serving or-ganizations in America with 2.7 million youth members and 1.1 million adult volunteers in 2011. Scouting programs provide young peo-ple the opportunity to build character, trains them in the responsibilities of participating citizenship, and develops personal fitness.

The Coastal Carolina Council serves 9 counties in South Carolina including Beaufort and Jasper Counties, which is the Lowcountry District. The District is made up of 26 Scouting Units with over 1,000 youth members and 400 adult volunteers. The Coastal Carolina Coun-cil maintains a headquarters in Charleston, SC and operates two camp properties. Camp Ho Non Wah, located on Wadmalaw Island, and Camp Moultrie, located on Lake Moultrie.

Scouting’s family of programs includes Cub Scouts, Boy Scouts, Venturing, and Ex-ploring. Each of the Scouting programs fea-tures values based training on an age appro-priate level. Cub Scouts is for boys 6-10 years old, they participate in weekly meetings with other boys their age. The 10 main purposes

for Cub Scouts are to learn character devel-opment, spiritual growth, good citizenship, sportsmanship and fitness, family understand-ing, respectful relationships, personal achieve-ment, friendly service, fun and adventure, and to prepare them to enter the Boy Scout program. Cub Scouts is a family based activ-ity that can get the whole family involved in

outdoor experiences.

Boy Scouts is for boys ages 11-17. Boy Scouts focuses on char-acter development, leadership, citi-zenship, and community service. Boy Scouts have weekly meetings, weekend camp-outs, community service projects, and weeklong summer camping experiences. Youth plan and lead the Boy Scout yearly program under the guid-ance of Adult Volunteers. Young men in Scouts learn planning and

leadership first-hand, as well as useful skills through rank advancement and merit badge programs.

Venturing is a program for young men and women ages 14-20. Like Boy Scouts, Venturing is designed to fos-ter leadership and character devel-opment and is a youth lead program with adult advisors to oversee the program that youth plan and execute. Venture Crews can choose their area of emphasis including arts and hob-bies, outdoors, Sea Scouting, Sports, and Youth Ministries. Venture Crews also participate in “ethics in action” that allow youth to explore the subject of ethics in an ad-visor led discussion.

For the average person when asked about Boy Scouts will immediately think of Eagle Scouts. Eagle Scouts have been the face of Scouting for as long as the program has been around, although statistically only 5% of all young men who are scouts will earn the rank of Eagle Scout. Many young men come through the Scouting program have meaning-ful life experiences and don’t earn the rank of Eagle Scout. Research shows that Scout-ing programs can have a positive impact on a young person who is involved for just a year or more. In fact national data suggests the 91% of all boys involved in Scouting for one or more years, even if the time is not consecutive, will graduate high school.

The Coastal Carolina Council offers many opportunities for youth to experience the out-doors. Each year the Council offers 5 Cub Camping overnighters for Cub Scouts and their families each take place at one of our two Council camping properties in the Charles-ton area. There is a 4 day resident camp each

summer offered Cub Scouts at Camp Ho Non Wah. Boy Scouts have a week long Summer Camp available to them for 4 weeks out of

Matt Miller | Senior District Executive, Lowcountry Boy Scouts of America

Family Fit

�www.FitandFamily.com | June/July 2012

each summer as well as a Winter Camp dur-ing Christmas break each year.

The Lowcountry District makes available to Scouts one Cub Camping Overnighter in the Spring, a Pinewood Derby Race, one week of Cub Scout Day Camp each June, and two Boy Scout c a m p i n g weekends each year. Individual units run their own c a m p i n g p r o g r a m s that supplement the events offered by the Council and District. The average Cub Scout or Boy Scout unit will camp about every other month on their own in addition to the other events offered. Camping for younger youth is an opportunity to have fun and explore the outdoors. For older youth, Scout camping be-comes a leadership laboratory; youth at this level plan their own camping trips and lead their peers in the program. Summer camps give youth the opportunity to learn through merit badge programs and helps teach youth to be self sufficient.

Our children have more extracurricular opportunities than ever; things like football, baseball, church youth groups, school activi-ties, and any number of other extracurricular activities. Often families can get overwhelmed with the number of things available for their child to be involved in. Scouting offers a pro-gram that can deliver far more that physical activity and social engagement for a young person. Scouting teaches values, leadership, service, and a wide variety practical skills. Scouting unlike a lot of other activities is a flexible program, if youth miss a meeting it’s easy to make up the missed lesson at home with a parent. Scouts aren’t penalized in the

program if they happen to have another activi-ty on Scout night or on a camping weekend. In fact Scouting’s goal is to create well rounded youth and being involved in other activities is highly encouraged. Over 80% of local Scouts say that they are involved in one or more

other activity outside of Scouts. In addi-tion, 96% of local Cub Scout families said Scouting helps their whole family spend more time together.

If you would like to know more about Scouting in the Low-country contact Dis-trict Executive Matt

Miller at [email protected]. Lo-cal Scouting is always looking for volunteers to fill District and Unit level positions as well as new families to join Scouting. Visit BeaS-cout.org for more information.

Boy Scouts of America

E

10 Fit & Family Magazine | Beaufort • Bluffton • Hilton Head

very father makes an impression on his children, but not every father leaves a leg-acy. Between the two of us, my husband and I have three dads who have left lasting legacies in our lives. While our dads are different in many ways, each possess character qualities that set them apart as remarkable men, which in turn, make them extraordinary fathers.

Integrity & Character

My husband, Grant, was two years old when his dad, Kelly, died in a Marine Corps plane crash. His parents were stationed in Beaufort at the time, and his dad flew F-4 fighter jets. It was just an ordinary day when Grant’s mom, Susan, kissed her husband good-bye when he left for work that morning. She didn’t know she was kissing Kelly good-bye for the last time. Later that day, during a routine exer-cise, two jets lost sight of each other in mid-air and collided. Two of the four pilots survived. But two of them, including Grant’s dad, lost their lives. One moment, my husband had a father, and the next moment, he did not. It would seem that Grant wouldn’t remember his dad very much since he was only a toddler when he died, but surprisingly, he has several fond memories of him. Grant remembers his dad chasing him around their house and ar-ranging for the fire truck on

L a u - r e l Bay to v i s i t for his two-year-old birthday party. Al-though Grant didn’t under-stand the details that took his dad’s life, he remembers crying day after day when he slowly came to realize that he didn’t have a daddy anymore. Even more than what Grant remembers about his dad, it’s what he’s been told about Kelly that has shaped Grant into the man and father that he is today. Grant’s mom shared with him the type of man Kelly was, and the kind of man Grant needed to grow up to be. One of the stories she shared with him about his dad helped guide Grant through

his grow-ing up years. One week-end, Kelly’s squadron had a mandatory function at a beach house. The pilots were told not to bring their wives because they would be receiv-ing their call signs. When Kelly arrived

home to Grant’s mom after the weekend was over, he was noticeably upset. Susan asked him what was wrong. Kelly went on to explain that the function turned wild, and strippers were brought to the party. Kelly told Susan that he couldn’t leave since it was a manda-tory function, so he sat in a corner of the room all evening with his hand over his eyes. “Se-riously... that’s what you did?” Susan asked, dumbfounded that he was able to do that in a crowded party faced with much temptation. “Yes,” Kelly replied. After Kelly’s death, some-one gave Grant’s mom a photograph taken of Kelly during that function. While you can’t see much, Kelly is visible in the back of the room, his hand over his eyes. That photograph sat on Grant’s desk all throughout high school. And now it sits on his bedroom dresser in our home. It’s a reminder to him to stand for what is good and right and true no matter what, just like his dad did. Even though Kelly has been dead for over 25 years, he left a legacy that continues to impact not only my husband, but me as well.

Compassion & Love

When Grant’s dad died, a young Marine Officer who had known Kelly, was deeply grieved over Kelly’s tragic death. His heart immediately went out to Grant and Susan. He prayed that God would provide a new fa-ther for Grant and comfort Susan in the days ahead. What he didn’t know was that one day he would be the answer to his own prayer. Four years later, he married Grant’s mom. Grant’s new dad, Preston, loved Grant like his own son. Grant immediately started calling

byGraceAnnaCastleberry

“Even though Kelly has been dead for over 25 years, he left a legacy that contin-ues to impact not only my husband, but me as well.”

11www.FitandFamily.com | June/July 2012

him “daddy” without hesi-tation. “I was just so happy to have a dad again,” Grant explains, recalling those years. Even though Preston loved Grant as his own flesh and blood, he encouraged Grant to keep his dad’s last name. Preston thought it was important for Grant to carry on Kelly’s name and legacy. He wanted to hon-or the sacred place Grant would always hold in his heart for his first dad. Pres-ton wasn’t in competition for Grant’s love or affec-tion. He had a genuine love and compassion for Grant and his mom. He wanted to honor all that had hap-pened in the past as well as help shape Grant into the man he needed to be in the future. Preston exhibited the true heart of a father; one filled with a protective and sacrificial love. When Grant talks about all that his dad, Pres-ton, did for him, his eyes fill with tears, “He did so much that he didn’t have to do.” When Preston married Susan, he wasn’t merely be-ginning a new family; he was marrying into one that had already begun. Stepping into a family that has already been established is not an easy task. Yet Preston was willing to con-tinue the legacy that Kelly started, and in do-ing so, he is leaving one in Grant’s life that will never be forgotten.

Faithfulness & Endurance

I was four years old when my dad be-came a pastor. That’s what I’ve always known him to be. When I was little, I didn’t really understand all that went into his call-ing to pastoral ministry. Now that I’m an adult, it’s amazing to see how faithful my dad has been to preach the Bible week in and week out for so many years, even when

it’s not popular. I’ve heard my dad say numerous times, “The Christian life is not a fifty yard dash, it’s a marathon.” My dad taught me that running well is not necessarily about how I start, but in-stead, how I finish. Even more than my dad’s faithfulness to ministry, his faithful-ness as a husband and a father has impacted me the most. My dad has been faithful to my mom for the thirty-two years they have

been married. Not only is he committed to her, I know that he loves her more than any-one else in this world. As a child, I never once had to worry about whether or not my parents would stay married. Their commitment to one another created stability that grounded me. Even as a little girl, I knew I wanted to marry a man who would love me as much as my dad loved my mom. When I became engaged to Grant, numerous people told me, “Wow, he reminds me of your dad!” At first, I said, “Re-ally?” And then I recognized how right they were. My dad set a standard for the type of man I wanted to marry. Grant is like my dad

in many ways, and that’s one of the reasons why I love him so much. My dad imparted a legacy of faithfulness that dramatically affects the way my life is today.

As this Father’s Day approaches, who are the men in your life who have been true fathers to you? Maybe your dad has passed away, but he has left a legacy in your life that you will never forget. Maybe your dad is someone who took you in and loved you as his own when he didn’t have to. Or maybe your dad is someone that has shown you by his life and words what it means to live a life of faithfulness. Our world needs men of integrity, men of compassion, and men of faithfulness. Any father can leave an impression on his children; but it takes someone special to leave a legacy.

Preston & Grant

Grant, GraceAnna, & her father

Family Fit Recipe provided by Lin with the Islands Meat Market

Makes 6 servings, total time 1 1/2 hrs.

For the salsa combine:3 packages (4 oz each) crumbled feta cheese1 pint grape or cherry tomatoes, halved, see note**1 jar 4.75 oz. pitted kalamata olives1/2 cup minced fresh parsley1/2 cup fresh lemon juice1/2 cup extra virgin olive oil2 tbs chopped fresh oregano

For the chicken saute6 bone in chicken breasts (8 oz. each)Pepper to taste

Kosher salt to taste2 tablespoons olive oil2 lemons, cut into wedges

Squeeze over chicken 2 lemons cut into wedges

Preheat oven to 450

Combine all salsa ingredients in large bowl, cover and chill

Saute chicken in oil, breast-side down, in a large roasting pan over medium-high heat until browned. Turn chicken over.

Squeeze chicken with lemon juice, then nestle the squeezed lemon wedges around the breasts

Roast chicken about 50 minutes or until it reaches 165 on an instant read thermometer.Transfer chicken and lemons to a large platter

and top with the salsa.

** place grape tomatoes on a lid, cover with an-

other lid and slice in between, much faster.

Ingredients:2 tablespoons olive oil2 tablespoons minced garlic1 teaspoon dried basil1 teaspoon dried marjoram1 teaspoon dried dill weed1 teaspoon dried thyme1 teaspoon dried oregano1 teaspoon dried parsley1 teaspoon crushed red pepper flakes1 teaspoon crushed rosemary1 teaspoon salt4 large Red potatoes, peeled and cubed

Directions:Preheat oven to 475 degrees F. In a ziploc bag, combine garlic, basil, marjoram, dill weed, thyme, oregano, parsley, red pepper flakes, rosemary, and salt. Shake to combine, add olive oil and potatoes. Shake potatoes until evenly coated. Let sit on counter top for 10 minutes. Place potatoes in a single layer on a roasting pan or baking sheet.

Roast for 30 minutes in the preheated oven, turning occasionally to brown on all sides.


Artist Uncorked Kid’s Art Camp “Under the Sea,” for ages 8-12, June 18 – 22: 9 a.m.-1 p.m. A week of fun and creative experiences for your kids. Projects to include acrylic paint-ing on canvas, jewelry making, collages, picture frames and other specialty crafts. $150 per child per week, $25 discount for siblings, $75 deposit required; kids will be provided with snack and lunch. 322 Moss Creek Village. (843) 837-4700 or artistuncorked.com.

Forts of Port RoyalWednesday, Jan 18, 2012 - Dec 27, 2012Forts of Port Royal on Hilton Head Island: Learn about the area’s early explorers and the impor-tance of the island during the Civil War.

843-689-6767

Honey Horn Nature TourMonday, Mar 5, 2012 - Dec 18, 2012Horn including the Salt Marsh, Butterfly Enclosure,

and three separate gardens. Fort Fremont c. 1898 Exhibit at the Verdier House, Beaufort, SC. March 23 through June 30, 2012. History of Fort Fremont’s coast defense heri-

tage from the Spanish-American War.

Upcoming Educational Events


Celebrating FreedomLiving in and near Beaufort, we hear the

sound of freedom often as military jets and planes fly over –what a blessing to know there are those who are giving their time, energy and very lives for our freedom! We who have grown up and lived in America our whole lives don’t realize any other way, but those who have gone before us have fought long and hard for the freedoms we enjoy every day.

Let’s take the opportunity of America’s Birthday to remember, celebrate and offer thanks. Here are some ideas for celebrating this 4th of July!

Remember

Think back to how and why our country was started. Check out a library book or two to read to your kids and help them begin to appreciate those who have paved the way for the lives we enjoy today. Choose one historic American and find out more about them, their upbringing, what they were instrumental in bringing to our country, etc… Make pilgrim hats (find simple free templates on line) and act out the landing at Plymouth, Massachu-setts!

Celebrate

Enjoy this opportunity to gather as family and friends just like we would for a birthday celebration!

Cooking out, corn on the cob and water-melon hold firm places in our traditions – but do whatever works for you and your family! Tiny paper flags can be found easily at party goods or craft stores and are a quick dress up to your table. You can also cut foods with

cookie cutters or look for naturally patriotic colored foods like berries. Whether you watch fireworks, enjoy glow sticks or head to a base-ball game –being an American family means being together and creating memories to put in the treasure bank for the future.

Give Thanks

Don’t let this time go by without thanking someone who has served or is currently serv-ing our country.

We are surrounded by military servants in our areas and it is likely that all of us know lots of people we can thank. Please remember the family as well – they are making just as big of a sacrifice as the service member by holding

things down at home while they are gone, sup-

photo by Lovely Lane Photography

Family Traditions{ } photos & article

by Monica Wilkinson

porting their busy lifestyle and giving their lives to serve our country as well.

Ideas for showing thanks:

If you see a service member in uniform at the store or around town, offer a brief but sincere verbal thanks. Make star shaped cook-ies and deliver to a service member and their family. Have kids help make thank you cards to send to someone you know that has at any time served our country. Surprise a family with red, white and blue flowers on their porch or take a flag to the National Cemetery to honor the memory of the loved ones of others.

How we celebrate and train our children about what Independence Day stands for is one way that we can stand together for remain-ing united as a country. And, may we not allow the day to go by without remembering to ask for God’s blessing on our nation and for hearts to return to Him.


Family Fit


The Essential Element For Life

It goes without saying that water is an essential nutrient for life. It is vital for the successful, healthy working of every major function in our bodies. A University of Utah study affirmed the importance of water consumption, particularly for those trying to burn fat and lose weight. The study showed that when there is less water in our systems, our bodies tend to use more carbs as its source of energy versus fats, and our basal metabolic rates tend to fall. In other words, we won’t burn as many calories in a given day. Even mild dehydration slows our metabolism down.

Dehydration can be damaging to our daily activities. Some signs and symptoms are:

• Headaches• Sticky mouth

• Little or no urine (or dark yellow or brown urine)• Lack of concentration• Low productivity• Dizziness• Confusion

Some materials suggest that 75% of Amer-icans are chronically dehydrated. And we all know that we cannot survive more than 3 days without water. So these are some facts that need to be taken seriously.

Not only is water imperative to survival, it also plays a critical role in health and fitness success and results. It serves to:

• Transport nutrients to the tissues• Regulate body temperature• Maintain blood pressure for proper cardiovascular function• Flush toxins out of our bodies• Lubricate and cushion joints and organs for the impact of running, jumping and other exercise movements

Water affects training and workout per-formance more than any other nutrient. Our bodies and muscles comprise mainly water, so following these simple tips will assist in maxi-mal training and weight loss results.

1. Drink at least 1 pint (two 16-ounce

cups) of water 2 hours before training (this will provide the fluid needed to achieve optimal hydration.

2. Our muscles are 73% water and will not activate optimally with lost fluids. So hydrate before, during and after workouts and training.

3. More than one third of the American population has weak thirst mechanisms, causing thirst

to often be mistaken for hunger. Drink-ing water has the power to quell hunger pains – a vital part of achieving weight loss.4. If you’re suffering with fluid reten-tion, it’s your body’s natural way of saying I need water! When there is less water in your system, your body goes into survival mode and holds on to as much fluid as it can, causing swollen hands and feet. Drinking water seems counter intuitive, but it will actually feed the cells and cause your body to release the trapped fluids.

Generally, when we wake up in the morn-ing our bodies are automatically dehydrated. To get and stay hydrated, as soon as you wake up, drink a big glass of water. Then drink a glass approximately every 2 hours thereafter. Most people don’t consider water a nutrient because it has no caloric value, but its im-portance in maintaining life is a close second behind the big O… Yes, oxygen (what were you thinkng?). It has been estimated that we can survive losses of up to 40% of our body weight in fat, carbs, and protein but losing wa-ter of about 9-12% can be fatal. So before you do anything, walk over to your refrigerator or kitchen sink and have a tall glass of refresh-ing, life-saving H2O.

1� Fit & Family Magazine | Beaufort • Bluffton • Hilton Head

by Ian Hart

The Essential Element For LifeTeam in Training is preparing to train for fall events! Get fit while raising money for cancer research. Local training groups are forming now or train online with the FLEX program.

• Nike Women’s Marathon & Half, San Francisco, CA (run/walk): October 14, 2012• Marine Corps Marathon, Washington DC (run only): October 28, 2012• Rock-n-Roll Savannah Marathon & Half, Savannah, GA (run/walk): Nov. 3, 2012 • Bank of America Chicago Marathon, Chicago, IL (run): October 7, 2012 (FLEX event)• Dublin Marathon, Dublin, Ireland (run/walk): October 29, 2012 (FLEX event)• Disney Wine & Dine Half Marathon, Or-lando, FL (run/walk): Nov.10, 2012 (FLEX event)

Learn more by calling or going online! Call Jade at 843.881.8176 or sign up online at https://www.teamintraining.org/sc/firsttimehere/signup/

Palmetto Running Company (PRC) in Bluffton offers group runs on Saturday mornings at 7:00 for all levels of runners. They also offer free personalized training programs for 5K races to marathons. PRC will begin training groups in July for the Rock-n-Roll Savannah Marathon & Half to be held November 3rd. Call (843) 815-1718 for more information.

PRC has partnered with Loco Motion and Beaufort Memorial Hospital for a walk/run training program beginning in June for the Loco Motion 3-day breast cancer walk or run. The event will be held September 28-30th in Beaufort County. Call PRC for more information or visit www.dothelocomotion.org

Worlds Ocean Day, Saturday June 16, 10-3. Eco-activities and family entertainment, all free at ARTworks in Beaufort Town Center. Also going on:• June 8 the Friends of Hunting Island offer “Dogs Night Out” at 5pm and “Sunset Yoga” at 6:45 at South Beach.• June 8 the Coastal Discovery Museum on HHI offers a lecture series and local seafood luncheon. 689-6767.• June 12, Plums offers a sustainable seafood din-ner in downtown Beaufort. 525-1946.•June 30, Ocean Motion at Yoga Chandra Cen-ter: a day of yoga, kids art, & screening of Bag It documentary. 441-0766.https://www.facebook.com/worldoceansdaybeaufortSC

The 27th Annual Doctors Care Hilton Head Firecracker 5000 Road Race and Family Fun Walk will be held on Wednesday, July 4 at 8:00 am from Shelter Cove Community Park, HHI. visit www.bearfootsports.com or contact Bear Foot Sports at 843-757-8520.

Kazoos on Vacation, July 7, 21 & August 4 @ 7:30 pm. Rick Hubbard’s hit family show of Music, Comedy, and Fun is where your kids are the stars and the kazoos are free. ARTworks.

Funny Magic Ric will perform on July 14 & 28, @ 7:30 pm The comedy, magic & mayhem on stage will humor, amaze, and astound you! The performance is $5 per person. Before each of these shows, Ric offers a $15 workshop: learn five magic tricks with everyday objects, plus balloon doggies! All materials are supplied, workshop is 90 minutes: 379-2787.

July 4th Celebration Town of Port RoyalJuly 4th @5:00 pm to 10:30 pmIndependence Day is celebrated on July 4th in the Town of Port Royal with a dual fireworks display presented by Parris Island and the Town of Port Royal. Festivities will be held on Sands Beach and will commence at 5:00 pm. Bring your beach chairs and bug spray and celebrate our birthday.

57th Annual Water FestivalJuly 13th to 22nd. Save the dates for our annual Water Festival July 13-22, a ten day event which includes music, food, crafts and art, the blessing of the fleet, and many special events. www.bftwa-terfestival.com

Family/Fitness Events continued page 21....

UPCOMINGFamily/Fitness Events

1�www.FitandFamily.com | June/July 2012

Physically Fit

Tidbitby Ian Hart

by Ian Hart

While sedentary, one lb. of muscle burns roughly 50 calories a day. Imag-ine I was a magician. And Poof! I added 10 lbs of lean muscle to your body. How many more calories would you burn per day? How many more calories would you burn per week?

Answer: 500 calories more per day (50 calories x 10 lbs), and 3500 more calories per week (500 calories per day x 7 days). 3500 calories is equivalent to one lb. of fat. That’s why lean muscle is so powerful when it comes to your me-tabolism and fat loss.

Stand-Up Paddling (SUP) is a great way to get outside and enjoy the beauti-ful waters our area has to offer. A day on a paddleboard can be a leisurely adventure or a speedy aerobic workout. Either way, all of your muscles will be working to keep you balanced on the board as you paddle. SUP is seeing sky-rocketing growth and for good reason; it of-fers a total body workout, requires a minimal amount of equipment and people of any age can easily get started.

If you are interested in trying SUP this sea-son, several local shops offer lessons, rentals and group paddles to help you get out on the water. Armed with some advice and instruction from an experienced paddler, you’ll be up on your board in no time. After some initial wob-bling, you’ll find your balance and be cruising away from the shore. Keep in mind you may end up in the water while learning or improv-ing your skills. That’s okay and part of the fun, just be sure you’re dressed for it!

Local yoga instructors offer SUP yoga classes which is a huge trend in the stand-up paddling craze. The boards are wide and sta-ble enough to do everything from shavasana (resting pose) to headstand pose and every-thing else in between. The rocking of the water while maintaining balance on the board offers an additional challenge to the poses. Dolphins surfacing around you and clouds up above make for a more invigorating experience than the normal studio class.

The “anyone can do it” adage certainly holds true with SUP. It’s a simple sport that the entire family can enjoy together. Small kids can ride on the nose of the board with their parents and children as young as six can be taught how to handle their own board. You’ll enjoy great views of our waters and abundant wildlife and get a low-impact workout that in-

TAKE A WALK ON THE

Waterby Kelley Luikey

Brittney Marie-Gosselin Hiller

Heidi Cherest

Physically Fitcludes your core, legs, back, shoulders and arms. It’s as close as you’ll get to walking on water. What could be better than that?

Ready to try it out?

*Higher Ground in Beaufort offers group paddle sessions. They also offer board rentals and sales. Call: 843.379.4327

*Dancing Dogs Yoga in Beaufort offers SUP yoga in conjunction with Higher Ground. Call: 843.263.5864

*Outside Hilton Head offers instruction and rentals on Hilton Head Island or Palmetto Bluff in Bluffton. SUP yoga classes are also available. Call: 843.686.6996

*H2O Sports offers instruction and rent-als on Hilton Head Island. Call: 877.290.4386 Holly Waz and her son Jake take a leisurely paddle.



More than 20 million Americans now prac-tice yoga and are reaping the incredible ben-

efits it has to offer. In our fast paced world, our brains are on overdrive and our jobs and technology keep us sedentary, we crave bal-ance. Yoga offers just that. It’s modern day forms are based on an ancient practice with a rich history of developing a connection be-tween the mind and body. Yoga has evolved into a practice that offers an effective coun-terbalance to the stresses of our present day society.

Practitioners of yoga note the increased flexibility and lower stress levels that are gen-erally associated with the practice. They also widely report a host of other benefits that modern Western science is just beginning to understand. People report increased strength, weight loss, an increased sense of well being, relief of physical ailments and an overall trans-formation of themselves. If you know anyone who commits to regular yoga practice, you have likely seen this transformation in them.

Beaufort resident, Shelley Lowther has a deep passion for yoga which lead her to open Dancing Dogs Yoga studio. Shelley conveys an unyielding enthusiasm for yoga and living

a healthy, well-balanced life and her students come away with powerful results. Her studio specializes in Baptiste Power Vinyasa Yoga which for Shelley “was the most direct ap-proach to what I was seeking: empowerment, possibility, and a way of being the best that I can be.” Founder Baron Baptiste developed

Yoga. Transform Your Mind. Transform Your Body.

“ Yoga heals, nourishes, and challenges us. The practice infiltrates every corner of our lives.”

by Kelley Luikey

~ Valerie Jeremijenko

Photos by Wollwerth Imagery

Physically Fit


The fifties was the age of the housewife and although that was over 60 years ago women still feel guilty if they cannot stay at home with their children. There are still some moms that are lucky enough to be able to stay at home but with the economic struggle most families face these days, most of the moms have to work outside the home making “the stay at home mom” a dying breed.

Working and taking care of your family is a lot of work and can be very stressful and leaves little time to spend on other things. Important things in life get skipped like, exercise and spending quality time with your little ones. Mommy and Me fitness class is a great way to stop and take time out of your day for not only yourself but for your baby, because let’s face it moms, they do not stay babies for long.

The precious time you spend with your children as babies can shape them as adults. Getting that bonding time with your little one can be not only fun but physically and mentally healthy for both mommy and baby. So take the time out even if it is only once a week to tone your post-baby body up and bond with your bundle of joy! You will cherish that time always.

the style as one that emphasizes the flow of breath while moving with strength and grace from pose to pose, all in a heated room.

Dancing Dogs Yoga offers a varied sched-ule, team of instructors, and course offerings that include the more gentle forms of yoga to the more vigorous. Classes and camps are also available for children and teens. Shelley’s goal for her students is for them to walk out of each session with a feeling of accomplishment and well being that will carry them off the mat and into their lives.

Dancing Dogs Yoga commits to commu-nity outreach in the hopes of empowering others both locally and globally. Sunday after-noons her studio offers a Community Yoga class. Rotating teachers donate their time and students donate what they can afford. 100% of the proceeds are split between a local charity and the Africa Yoga Project (learn more about this on the Dancing Dogs Yoga website).

Dancing Dogs Yoga has studios in Beau-fort & Bluffton. Check the website for sched-ules: www.dancingdogsyoga.com

Mommy and Me Fitness Classes

by Kelly Savery Langan, The Studio Fitness

Ronald & Amy Stokes,Married on Hilton Head.

Angel & Gizella Arroyo,Married in Bluffton.

photography by:

843-441-6408www.lovelylanephotography.com

Jeremy & Kelly McClam,

Married inBeaufort.


UPCOMINGFamily/Fitness Events

Fitness Fun N Tumbling at The Island Playground, June 18 – 22: 9 a.m.-1 p.m. Ages 4-10 (must be potty trained); Join us in learning the basics of tumbling while having tons of FUN! This week will help your child develop strength, coordi-nation, flexibility, and the satisfaction that comes from mastering a new skill! $99 per week; $5 sibling discount. 1538 Fording Island Rd., Suite 104. (843) 837-8383 or island-playground.com.

Kids College Summer Camp, “Camp Ex-plorer” enjoy the outdoors with our Native But-terfly Program at Honey Horn, as well as an “All Joy Beach Walk.” June 18: 7:30 a.m.-5:30 p.m. Summer camp is $135 per week, which covers field trips, breakfast, lunch and a snack. Registration is $40 and covers the entire year, as well as one summer camp T-shirt. Kids College, 17 Goethe Rd., Bluffton.

(843) 757-9150 or kidscollegellc.com.

The Arts Center of Coastal Carolina presents “Shout! The Mod Musical.“ June 19 – July 29: Travel through the music of the 1960s in the show that brings back the beautiful birds and smashing sounds that made England swing. 14 Shelter Cove Lane. (843) 842-2787 or artshhi.com.

HarbourFest, June 19: Shelter Cove Harbour features live entertainment nightly, plus unfor-gettable food, arts and crafts, bouncy houses, fireworks and a flurry of fun activities. Family friendly entertainer, Shannon Tanner, returns for his 24th season, Mon.-Fri., with shows at 6:30 and 8 p.m. Cappy the Clown, and many other activi-ties and entertainers will on hand to enjoy as well. Bring the whole family to this exciting, kid-friendly festival! Plenty of free parking. Admission is free. Food, beverages and concessions sold separately. Located mid-island at mile marker 8, across from Palmetto Dunes Oceanfront Resort. (843) 686-9098 or sheltercovehiltonhead.com.

Karma Kids Yoga Camp! Little Karma Kids, ages 2-5 June 25 – 29: 10 a.m.-noon. Karma Kids Session 1, ages 6-12 from 1-4 p.m. Children will strengthen their sense of confidence, focus, breath, creativity, physical awareness and appre-ciation of themselves as individuals and as mem-bers of the community. Children learn to express themselves through yoga, movement, music, art and nature. Yoga awakens the children’s cre-ativity and intrinsic love of exploring their bodies inspired by animals and the natural world. Each day there is a theme or focus that threads through all of the activities, inspired by the yogic intention of breathing, focusing, creativity, peace, and awareness. Little Karma Kids, $100 for the first child; $60 for additional child; Karma Kids Session 1, $125 for the first child, $75 each additional sibling. (843) 263-5864 or dancingdogsyoga.com 23www.FitandFamily.com | June/July 2012


Stokes Honda Cars of Beaufort is taking a big step in helping to keep Beaufort beautiful, with the building of its new 30,000 square ft dealership. The building is sched-uled to be finished in November of this year. Stokes Honda originally opened in 1981 in the building that they are currently working out of, which also houses the Used Car Center. “The space is tight and the lot is small, but we are making due and are blessed to have had this building available to work out of while we are building”, said General Manager Michael Coxwell.

Stokes Honda sells new Hondas and all makes of pre-owned cars and trucks. If you don’t see it on their lot , they can most likely find it for you. So just stop and ask. Cars and

trucks start at $2000.00 and up and they offer financing for almost all financing situations.

Stokes Honda is looking forward to the new building, so it can better serve its custom-ers, and its employees. However , until then its business as usual right next door to the con-struction in the Used Car Center building. Just

ask for a Stokes Honda salesperson upon en-tering the building and they will be glad to help you with a new or pre-owned car or truck.

Our service and parts departments are in full operation, and they are able to ser-

vice all makes and models of cars and trucks. So come in and check out the service, parts, and tire specials.

Stokes Honda Cars of Beaufort is proud to be a local business, representing Beaufort.

Stokes Honda Cars Gets a Face-lift

30,000 square ft dealership

The new building is set to be completed November 2012.

Stokes Honda Cars Gets a Face-lift


As a child, I never had the opportunity to experience Y summer camp. My mother was a teacher, so my sisters and I spent our summers at home with mom, swimming and playing outside. We never really knew Y camp existed and because of this, we didn’t feel slighted at the time. Now as I re-flect back, I wish I could have been part of something as magical as Y camp. The idea of building new friendships in a secure, Christian environment with friendly coun-selors and daily pool time almost makes me jealous of the near 300 Y campers today!

In addition to summer camp at the YMCA located in Port Royal, the Y has add-ed satellite sites at Port Royal Elementary, Hardeeville and Ridgeland. These satellite locations will help accommodate the grow-ing demand for quality summer childcare in the Beaufort County area enabling the Y to impact youth in different communities. All satellite locations will follow the same structure as summer camp at the YMCA and lunch is provided for all participants- HOORAY for not having to pack lunches all summer long!

The Y is constantly seeking ways to add value to their camp programming. One valuable addition is the new summer learn-ing loss program in traditional summer camp at all locations. Using grade specific curricula, children will spend 45 minutes each day on both math and language arts honing the skills they learned the previous school year. This new initiative is designed to avoid lower test scores when children re-turn to school after summer. To further fa-cilitate this, the YMCA added a brand new computer lab with more than 20 comput-

Build Friendships & Character at the


by Ian Hart

Physically Fit

Tidbit

ers made possible through a grant from Beaufort County School District and Har-gray. The grand opening of the computer lab is scheduled for June 8th at 8:30 AM if you would like to join us for the official unveiling.

Camp is open to children ages 3-15 years old. In addition to traditional and kiddie camps, there are more than 20 spe-cialty and sports camps to choose from ranging from football and floor hockey camps to fishing and dance camps. Spe-cialty camps fill rather quickly; however, there’s still availability in all camps exclud-ing travel and equestrian camps and it’s not too late to register your child. The Y even offers Counselors in Training (CIT) camp for teens aged 13-15 interested in becoming a Y camp counselor in upcom-ing years.

Camp dates are June 11-August 17th and the cost is $85/week for Y members

and $105/week for non-members. While the prices are very competitive, especially for the high quality of all Y camps, finan-cial assistance is available for families that qualify. The financial assistance applica-tion process is simple and takes less than a week to process your reward. In 2011, the YMCA awarded more than $225,000 in scholarships making the Y experience a possibility for local needy families. If you are interested in financial assistance, call or visit the Y for additional details.

As new and seasoned Y campers spend their summers at the YMCA build-ing both friendships and character, I truly hope they look back as an adult reserving a warm, golden spot in their hearts for the YMCA…and try to continue this tradition with their children and grandchildren.

Holly Cordray · YMCA Membership Marketing Director

Every time we repeat something we create a pathway in the brain. The more we repeat it, the larger the pathway gets - kind of like paving a road. It is how habits are created; which we know can be a good or bad thing. Exercise, just like any other habit needs to be formed by creating that pathway in the brain. Depending on the person, it may take 30-200 times of consis-tency to create the exercise pattern. This is why it is powerful to have buddy or a coach hold you accountable till this positive habit is created.

Charitably Fit


“Dentistry is not just about teeth,” Dr. Christopher Mohler shared as he explained the driving force behind his dental practice, “It’s about relationships.” Husband and wife team, Drs. Tristan and Angela Greenwalt of Lady’s Island Dental share the same vision. Three years ago, Tristan and Angela began a free dental clinic they hold several times throughout the year. “God put it on my heart to help people,” Dr. Greenwalt explained as he described how the clinic was born. “The turn of the economy has hit a lot of families really hard and when finances get tight, dental in-surance is often the first to go. There aren’t many avenues for people to receive free den-tal care.” When Christopher Mohler and his wife, Janine heard about the clinic the Gre-enwalts were starting, their practice imme-diately joined. “We were so excited when we heard what the Greenwalts were doing,” Dr. Mohler shared. “A lot of times as dentists, we are trained to be isolationists and focus sole-ly on our own practices. I didn’t even know Tristan and Angela before this, so it’s some-thing really special when we can join together

and focus on a common goal.” But more than coming together to provide the best in dental care to those who need it, the Mohlers and the Greenwalts share something more. “We have a slogan in our office,” Dr. Mohler explained, “Christ in every room.” Dr. Greenwalt echoed the same sentiment, “We want to share the gift of dentistry. God has given us so much, and it’s a small way we can give back.” The Green-walts and the Mohlers are giving back. They have donated over $100,000 in dental care, but they have even bigger hopes. “We would love to see more dentists get on board with us and maybe one day start something nationally,” Dr. Greenwalt said. Right now however, it’s the people of Beaufort they are focusing on. And for that, we should all smile.

Dental clinics are held various times throughout the year. Tune in to The Light 88.7 F.M. for more information regarding upcom-ing clinics.

“Dentistry is not just

about teeth.. It is about relation-ships.”

by GraceAnna Castleberry

“There is nothing noble in

being superior to your fellow

man; true nobility is being

superior to your former self.”

– Ernest Hemingway


by GraceAnna Castleberry

“You win not by chance, but by preparation.” – Roger Maris

“Everything started as nothing.”

– Ben Weissenstein

“All life is an experiment. The more experiments you make the better.” – Ralph Waldo Emerson

“My great concern is not wheth-er you have failed, but whether you are content with your failure.” – Abraham Lincoln

Charitably Fit


Did you know that 1 in 3 girls and 1 in 5 boys will be a victim of child abuse and neglect before their 18th birthday and that over 99% of child victims know their perpe-trators? The Child Abuse Prevention Asso-ciation (CAPA) has been advocating for the protection of children through outreach ef-forts and awareness education programs in Beaufort County since 1981.

CAPA provides school-based safety and character development education pro-

grams for children in elementary and mid-dle schools. Using class discussion, role-play, DVDs and handouts, the children learn about child abuse and personal safety, how to communicate their feelings, and how to get along with others. CAPA also offers adolescent pregnancy prevention programs to youth in many settings including youth groups, schools, teen centers, community groups, and after-school programs.

The Cribs for Kids program reduces the number of babies dying accidentally because

of unsafe sleeping practices by educating parents and caregivers on the importance of safe sleep practices and providing cribs to families who cannot otherwise afford a safe place for their babies to sleep.

Parenting programs are also available to all members of the community. The Positive Parent-ing Program, also known as Triple P, is a science-based approach to parenting that has been used for

over 25 years. Participants participate in activities and role-playing opportunities to increase their knowledge of positive parenting. The class meets weekly and a full session is eight class-es. CAPA’s parent support group meets every other week and is a safe place where parents can discuss their feelings and frustrations while fellowshipping with others.

CAPA also operates a shelter for abused and neglected children. The Open Arms Shelter provides protec-tive housing and a nurturing envi-ronment for children removed from their homes. The shelter is open 24

hours per day, 365 days per year and serves Beaufort, Hampton, Jasper, Colleton and Al-lendale counties.

Newly relocated to at 1340 Ribaut Road in Port Royal, CAPA’s Closet thrift shop ac-cepts donations from community members who in turn receive a tax deduction. CAPA’s Closet staff and volunteers then sell the clothing, books, furniture and appliances to the community at a very reasonable price.

Child abuse and neglect occurs when a child is injured by the intentional acts or

omissions of an adult. This includes sexual abuse, physical abuse or excessive corpo-ral punishment, emotional abuse, abandon-ment or neglect. If you suspect a child is being abused by their parent or guardian,

call the Department of Social Services at 843.255.6143. (Reports may be made anony-mously.)

If you suspect a child is being abused by a relative, caregiver, or anyone other than a parent or legal guardian, call the Police De-partment at 911 immediately and make a re-port as this is a criminal act.

For more information or to volunteer, contact CAPA today!

Physical address: 714 14th Street, Port Royal, SC 29935 Mailing address: PO Box 531, Beaufort, SC 29901 Telephone: 843.524.4350 Fax: 843.525.0070 [email protected]

The Child Abuse Prevention Association

The Child Abuse Prevention Association

Switch your bank accounts to a bank that respects you. You shouldn’t be spending your hard-earned money on maintenance fees – you also should be earn-ing some serious interest on your

checking and savings accounts.


by Trent Hamm, www.thesimpledollar.com

Little Tips for Saving Money10

What follows is a list of 10 little steps you can take. Each of these tactics are simple little moves you can make to improve your financial situation. Some of them take just a few minutes, others might take an hour or two, some of them require a bit of regular ef-fort, but they’re all incredibly simple – anyone can do them. Each of them also save significant money, especially over the long haul, and when combined together these tips can save you a lot of money now.

Obviously, not all of these tips will apply to everyone. Just go through the list and find three or four that do apply to you and use them in your life – you’ll quickly find yourself saving some serious scratch. Each issue we will cover 10 more tips!

1Turn off the television. One big way to save money is to watch less television. There are a lot of finan-cial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.

2Turn a critical eye to your “collections.” Most people collect something – what do you collect? Is it something that consistently brings you joy? Or is it something that you just do out of habit at this point? Does the collection itself have value? Could you perhaps “trim the fat” from this col-lection by getting rid of duplicates or getting rid of the items you no longer use? Also, could you perhaps cut down on your spending on that hobby? Focus on trimming the things you don’t feel strongly about – if you dig into things that bother you, you’re going to eventually relapse.

3

4

Sign up for every free customer rewards program you can. Even if you rarely shop at that place, hav-ing a rewards card for that place will eventually net you some cou-pons and discounts. Here’s the ba-sic game plan for maximizing these programs: create a Gmail address just for these mailings, collect ev-ery card you can, and then check that account for extra coupons whenever you’re ready to shop.

5

Make your own gifts instead of buying stuff from the store. You can make food mixes, candles, bread, cookies, soap, and all kinds of other things at home quite easily and in-expensively. These make spectacular gifts for others because they involve your home-made touch, plus quite often they’re con-sumable, meaning they don’t wind up fill-ing someone’s closet with junk. Even better – include a personal handwritten note with the gift. This will make it even more spe-cial than anything you could possibly buy down at the mall, plus it saves you money.

Master the thirty day rule. Whenever you’re considering making an unneces-sary purchase, wait thirty days and then ask yourself if you still want that item. Quite often, you’ll find that the urge to buy has passed and you’ll have saved your-self some money by simply waiting. If you want, you can even keep a “thirty day list” where you write down the item and the day you’ll reconsider it, but I prefer just to keep this one in my head – that way, I of-ten just forget about the unimportant things.

6


7Write a list before you go shopping – and stick to it. One should never go into a store without a strong idea of what one will be buying while in there. Make a careful plan of what you’ll buy before you go, then stick strictly to that list when you go to the store. Don’t put anything in the cart that’s not on the list, no matter how tempting, and you’ll

come out of the store saving a bundle.

8Invite friends over instead of going out. Almost every activity at home is less expensive than going out. Invite some friends over and have a cookout or a potluck meal, then play some cards and have a few drinks. Everyone will have fun, the cost will be low, and the others will

likely reciprocate not long afterwards.

9Instead of throwing out some dam-aged clothing, repair it instead. Don’t toss out a shirt because of a broken but-ton – sew a new one on with some closely-matched thread. Don’t toss out pants be-cause of a hole in them – put in a patch of some sort and save them for times when you’re working around the house. Simple sewing can be done by anyone – it just takes a few minutes and it saves a lot of money by keeping you from buying new clothes when you don’t really need to.

10Don’t spend big money entertaining your children. Most children, especially young ones, can be entertained very cheaply. Buy them an end roll of newspaper from your lo-cal paper and let their creativity run wild. Make a game out of ordinary stuff around the house, like tossing pennies into a jar, even. Realize that what your children want most of all is your time, not your stuff, and you’ll find money in your pocket and joy in your heart.

Financially Fit

Hot Water Costs $$The Department of Energy recommends having your tank-based hot water

heater set to 120 degrees Fahrenheit for most people, but if you’ve never adjust-ed the temperature on your hot water heater, it’s probably set to 140 degrees, which is the default setting from most manufacturers. You are likely wasting a lot of energy to heat this water, when you will never use it at 140 degrees.

A mutual fund is an investment that pools together funds from many investors who have the same investment objectives. The money is managed by a professional who analyzes the financial markets and selects in-vestments. And the pool is large enough to af-ford a diverse array of securities, something that can be too expensive for most individual investors to do themselves.

A mutual fund provides an opportunity to invest in a diversified portfolio. The access to professional management and a diversified portfolio makes mutual funds popular with many individuals who are investing for retire-ment, a child’s college education, or other long-term goals. Whether you are doing the research yourself or working with a registered agent, understanding some of the basics may help you make a more educated decision.

Starting Your Research

There are thousands of funds available, but how do you choose? Funds are bro-ken down into a few basic categories: stock, bond, and hybrid (mixed stock and bond) funds,: lower risk and higher risk,: domes-tic and international. If you start by thinking about those categories and how they fit your goals, you can sort through the options a bit more efficiently.

The key offering information for a mutual fund is found in the prospectus, a document that explains the investment objective, the fees, and the fund management. Start with the investment objective. Does it fit what you are looking for? If you won’t need this mon-ey for years, perhaps you may look to take more risk.

Fees And Expenses

The next thing to consider is the sales charge. Many funds charge investors when they purchase shares in the fund. This is known as a front load. Some will charge you a back end load when you take money out. This is used to compensate the registered agent who assisted you with your selection. Such as-sistance is valuable!

You should also take a look at the fund’s ex-pense ratio. This is a measure of what it costs an investment company to operate a mutual fund. Depending on the type of fund, operat-ing expenses vary widely. The largest compo-nent of operating expenses is the fee paid to a fund’s investment manager/advisor. Other costs include recordkeeping, custodial servic-es, taxes, legal expenses, and accounting and auditing fees. Some funds have a marketing cost referred to as a 12b-1 fee, which would also be included in operating expenses.

Looking At Performance

With the expenses in mind, take a look at the fund’s long-term performance. You want to get a sense of how it does when the financial markets are strong and when they are weak. Every investment has its ups and downs, but you want to make sure you can live with the fund’s volatility and that the volatility is appro-priate for that particular investment. As part of that, you want to compare the fund’s perfor-mance to an appropriate market index, such as the S&P 500 for a U.S. large company stock fund or the Russell 2000 Index for a U.S. small company stock fund.

This seems like a lot of work, but there are some helpful resources available. Morn-ingstar, a company that evaluates mutual funds, has great information on its website. Many people use a registered agent to help them, too.


Tips for Investing in Mutual FundsBy Staff writer State Farm™ Employee

Investing involves risk, including potential for loss.

Diversification and asset allocation do not assure a profit or protect against loss. Foreign investments involve greater risks than U.S. investments, including political and economic risks and the risk of currency fluctuations. Bonds are subject to interest rate risk and may decline in value due to an increase in in-terest rates. The S&P 500® Index tracks the common stock performance of 500 large U.S. companies.

Upcoming Vacation Bible Schools

Community Bible Church: Vacation Bible School – IncrediWorld Amazement Park – A Thrill Ride Through God’s Creation will be held June 19-22 from 9am-noon at 638 Parris Island Gate-way for children ages 4-6th grade. The suggested donation is $5 per child with a $15 maximum per family. Friday evening there will be a family night including a free hot dog dinner, carnival games, jumpers and waterslides! Please call the church office for more info at 525-0089 or go to www.cbcofbeaufort.org to register.

Parish Church of St. Helena: A Sports Instruction Camp “Beyond the Gold”; June 18-22 from 9am-12:15pm for ages 4-12 years old; Camp will be located at Praise Assembly, 800 Parris Island Gateway. Cost is $50/child; families reg-istering 3 or more children pay $45/child. Sports include flag football, soccer or cheerleading for 6-12 year olds and a motor skills program for 4-5 year olds. Coaches and volunteers will provide quality instruction and teaching from the Word of God through a daily Bible lesson. For more info contact Linda Tully at 522-1712 x 204 or download details and a registration form at www.sthel-enas1712.org.

Port Royal Baptist Church: Amazing Won-der Aviation Vacation Bible School will be held June 24-28 from 6:00-8:30 pm. Registration will be on Saturday, June 23 from 2:00-4:00 pm during a VBS Kickoff event. The Kickoff event will feature bounce houses and food. There is no cost to participate. For additional information, please call 843-521-1994.

Shell Point Baptist Church: Vacation Bible School will be held June 10-14 from 5:30-8:30pm. There is no cost and children will receive a light meal. Please call the church office at 522-8616 for more information or to register.

Sea Island Presbyterian Church would like to invite children ages four through sixth grade to join us for Vacation Bible School. The theme of this years VBS is “Clean Water for all God’s Children” and will be held the week of June 18-22 from 5:00pm-7pm. The cost is $15 per child, which includes dinner. Please call 525-0696 or stop by the church office (81 Lady’s Island Drive) to regis-ter you child or online @ www.seaislandpres.org.

Baptist Church of Beaufort: SonRise Na-tional Park Vacation Bible School will be held June 25-29 from 5:30-8:20pm. There will be a special celebration service on Sunday, July 1st at 10:30 am where children will lead in the worship service through song and skits. A covered dish lunch will follow. VBS is open to children ages 4 – 5th grade (6th graders are welcome to attend as helpers) and children attending willalso receive a free sit down supper. There is no cost to participate. Children may be registered by visiting www.bcob.org/kidsregistration.html or by calling 843-524-3197.

Hilton Head Presbyterian Church: Olym-pion! Run the Race of Faith with Joshua Vacation Bible School will be held June 25-29 from 8:45-noon. Children ages 4 years old through entering 5th grade are welcome to register at www.hil-tonheadpca.com. There is a cost of $10 per child with a $20 maximum per family. For more informa-tion, please all 843-689-6363 or e-mail [email protected].

Church of the Cross Vacation Bible School, Buckwalter Parkway Campus, 495 Buckwalter Pkwy. June 11 – 15: This is one of our largest outreach events of the year with hundreds of children from the community! Contacts: Ellen Roberts, (843) 2290-8142 or Donna Caracola, (843) 290-8143


E$TABLI$HING A BUDGET


While it has always been important to live within your means, the reasons for do-ing so are much more evident today than they were 5 years ago. It is usually not the lack of income that gets a family into finan-cial trouble, but a lack of discipline in spend-ing that income. There are many fun family activities that we are able to take advantage of in our beautiful community, and mak-ing a family budget is usually way down on the list.

To many people, the word budget con-jures up all sorts of images and none of them are good! There aren’t too many people who would simply take off with their family on a vacation without a pretty good idea of where they were going and how they are going to get there, but that is exactly what most families do when it comes to their finances.

They get their paycheck every week and they hope that they have money left over at the end of the week and if they don’t, they charge it on a credit card and begin the next week at a deficit!

The budget process, when done properly, allows the family to examine and set goals and priorities and actually is a valuable teaching tool for children.

The first step in establishing a budget is to identify current monthly income and expens-es. This can be done using a pen and paper or you can use one of the software programs that are available.

Once you have determined how much you make and how much you spend and on what items, it is time to evaluate the total income and expenses. If the income exceeds the

spending, then you are on the right track.

If your spending exceeds your income, then there is some work to do, but the good news is that it can be done with a little de-termination and self discipline. Look at the expenses that you identified and determine which expenses can be cut easily and imme-diately (eating out and entertainment) versus the expenses that can not be cut very easily or quickly (rent, mortgage payments, insur-ance).

It is very important to be realistic when cutting expenses, but the bottom line is you can not spend more than you earn. The faster that you can get to that point, the better off

you will be in the long run.

However, drastic change is usually not ef-fective or long lasting. For example, you can’t go from eating out 5 times a week to not eat-ing out at all. Relatively small changes in your spending habits will add up over time.

Once you have determined the amounts you want (or need) to spend, then the real work begins and that is to monitor the actual spending versus the amount you planned to spend. Flexibility is the key here. If the bud-get is too inflexible, it will fail. There should be some amount of money that each family mem-ber has discretion over and does not need to be tracked in the budget.

Inevitably, unexpected expenses will come up (car repairs, etc.), don’t let it ruin the whole process but realize that this is one of the rea-sons that you undertook this task.

Finally, the budget process must include the

entire family. As discussed earlier, this is a way to

set priorities and not every family member’s pri-

orities are the same. Once the budget has been

agreed upon, meet regularly to check the progress

and build rewards into your budget like eating out

or going to see a movie.

If done correctly, budgeting can set a great

example for younger children on how to plan for

short and long term goals.

Kendall F. Erickson, CPA is a partner and

Chairman of the Board of Robinson Grant &

Company, P.A.

Robinson Grant has been serving the Hil-

ton Head, Bluffton and Beaufort communi-

ties since 1982.

by Kendall Erickson

It is usually not the lack of income that gets a fam-ily into financial trouble, but a lack of discipline in spending that income.

Financially Fit

Tidbit

When is a Child Ready for an Allowance?

• He understands that money is used to buy things.

• He understands that there is only a limited supply of money.

• He also understands that different

items have different prices.

• He can count to twenty with ease and count quite a bit higher with some

coaxing and concentration.

Financially Fit

Tidbit

by Trent Ham

Everyone is looking to save money on the purchase of a home. In the current real estate market there is a huge inventory of foreclosed properties available. Many of these properties are owned by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corpo-ration (Freddie Mac). Each of these govern-ment backed companies’ offers special financ-ing programs or incentives if you purchase one of their foreclosed properties.

Fannie Mae offers two types of loan pro-grams they refer to as HomePath Mortgage® and HomePath Renovation Mortgage®. Fan-nie Mae’s HomePath Mortgage® and Home-Path Renovation Mortgage® offer relaxed guidelines that include a smaller down pay-ment over traditional conventional loan pro-grams, relaxed credit score requirement, type of loan, i.e. fully amortized or Adjustable Rate

Mortgage (A.R.M.), and interest only loans, type of ownership, i.e. primary residence, sec-ond home and investment home, no appraisal requirement and no mortgage insurance re-quirement. The difference between the two is that the Renovation Mortgage offers up to 35% of the purchase price to a maximum of $35,000 in renovation funds that can be in-cluded in the new loan. These funds can be used for almost any repairs or upgrades to the home. The one exception that is not allowed, you cannot add additional living space to the home.

The HomeSteps® program through Fred-die Mac does not offer any special financing options at this time. The HomeSteps® pro-gram does offer a limited two-year Home Protection Warranty and up to 30% savings on new appliance purchased for your home. One of the nice features of with the HomeSteps®

program, Freddie Mac gives purchasers look-ing for a primary or second home a window of 15 days from the initial posting for sale the opportunity to purchase the home before in-vestors are allowed to make offers.

For more information on how to locate homes that are owned by Fannie Mae and Freddie Mac, contact your local Realtor. This information is gathered from numerous sourc-es to include Fannie Mae and Freddie Mac, is not guaranteed and is subject to change with-out notice.

Bob Cummins,

South Carolina Mortgage Associates

Buying A Foreclosed Property


Financially Fit

Should You Buy When Mortgage Rates Are at Record Lows?

You should buy when your total monthly cost for owning the home is less than the total monthly cost of rent-ing. If the total cost of your rental is more than the total cost of home own-ership, then you should own. However, If you’re in an inexpensive apartment and don’t have a down payment saved up, you’re better off staying put.

by Kendall Erickson

The Brooks Family

The Lowcountry Boy Scouts

Blair & Phil from Hilton Head Island, recently engaged!



Planting Flowers at Y Summer Camp

The Bright Family


photography provided by the families

Send Us Your Favorite Family Picts!

fit & family summer 2012

Documents