the columbia notebook spring summer 2011

Spring/Summer 2011 | 1

in every issueFrom the Editors 2 | Spring/Summer Calendar 3 | Advertisers’ Index/Websites 4

special sections with articles from our advertisers6 | BEAUTY

8 | DINING

9 Meals that Make You Say “Mmmmm!” Michelle Wang, Miyo’s

10 Pan-Seared Pork Chops Ricky Mollohan, Mr. Friendly’s

13 | FASHION/ACCESSORIES

15 | FINANCIAL/INSURANCE/LEGAL/REAL ESTATE

16 Why Do Women Make Great Real Estate Agents?Lynwood Duke, Russell & Jeffcoat Realtors

18 Investing in Equities and Fixed Income to Help Create a Balanced PortfolioJan Jernigan, Morgan Stanley Smith Barney

21 How to Choose the Right Lawyer for Your Legal NeedsLisa Hostetler, Rogers Townsend & Thomas, PC

22 Don’t Let Emotions Rule Your Divorce Philip P. Rusnak, Divorce Settlement Solutions

23 Risk: Is it a Bad Thing? Peter A. Pigeon, The Hobbs Group

24 | GARDEN/LANDSCAPING

25 | HEALTH CARE

26 Bathing Suit Blues Ram Kalus, MD, Plastic Surgery of the Carolinas, PA

27 Lexington Medical Center Affiliates with Duke Medicine for Open Heart Surgery Program Jennifer Wilson, Lexington Medical Center

28 HELLP! Alexander R. Smythe II, MD, Columbia Women’s Healthcare

31 Reducing Stress Factors with Massage Jennifer Landry, Massage Envy

32 Changing Lives One Person at a Time Jandrette Rhoe, MD, Midlands Medical Wellness Center

34 | HOME DÉCOR

37 | PETS

39 | SENIORS

41 Guardianship: Who, When and WhyMary Katherine Bagnal, MSW, CMC, CGC, Senior Matters

42 | SERVICES

45 Meeting Our Community’s Funeral Needs Kristin Jewell, Dunbar Funeral & Cremations

48 A New Home for Jim Hudson Lexus Katie Kaleita, Jim Hudson Lexus

articles from the columbia notebook staffAt-Home Acne Remedies BEAUTY | 7

Chopsticks for Beginners DINING | 11

Your Online Safety FINANCIAL/INSURANCE/LEGAL/REAL ESTATE | 17

Who Knew Vinegar Could Do So Much? HEALTH CARE | 33

Bring on the Patio Weather! HOME DÉCOR | 35

table of contents

2 | Spring/Summer 2011

It all starts with support.From the very beginning, our waythrough life is encouraged by thesupport we receive. We learn to stand,

helped by the hands of our parents. We venture intoadolescence and add friends to our support. Then weenter the teenage years and lean toward our family andfriends to get through the “break-ups, break outs andbreak-throughs.”

Now we are adults; now we are holding the hands, givingsupport and doing our best to live, work and play in achanging world. Where do we turn for support? Alwaysfrom our family and friends, but also from our businessassociates and service providers, from the helpful bankteller through to the guidance counselor at our children’sschools.

We live in a great city — Columbia, S.C. — an ideal envi-ronment in which to grow support. In return, we can helpboth friends and strangers by being there for one anoth-er, supporting what Columbia has to offer.

At The Columbia Notebook, we are determined to iden-tify and promote the best of our city for you. We alsoshare pertinent information on various topics. Our Webpage has a link to see our publication in its entirety and aFacebook page that lets you know when there are spe-cials with our advertisers. Supporting our advertisers in asmany ways as we can is our way of recognizing ourappreciation for the excellent support they provide uswhen we need their product or service.

So to our readers, advertisers and Facebook friends… thisnew issue of The Columbia Notebook is our way of sup-porting the very best. Needless to say, we thank you all foryour support, as well! Let’s keep the “support chain” goingfor each other as we welcome warmer days and thepleasures of a Columbia summer.

Hoping your spring and summer includes time well-spent with family and friends,

Cathy & Peggy

Volume VIII, Number 2

Spring/Summer 2011

Ad Wise Marketing

Circulation: 30,000 Annually

15,000 per Bi-annual Edition

Managing Editor and Operations:

Cathy Kline

Sales and Marketing: Peggy Jacobs

Katie Evatt

Design and Cover Art:Melissa Ligon

Copy Editor: Victoria Reed

The Columbia Notebook (What Women Want)

is published twice a year by a division of:

Ad Wise Marketing709 Woodrow St. PMB 319

Columbia, SC 29205803.799.9922

[email protected]

Please contact The Columbia Notebookfor advertising rates or requests forobtaining The Columbia Notebook.

Our circulation makes The ColumbiaNotebook highly useful with its handy

size, sharp appearance and comprehensive information.

©2011. All rights reserved. No reproduction of this publication in part or

in whole may occur without written permission from the publisher. Not for resale.

Every effort has been made to verify theaccuracy of all information. Please call ahead

to verify hours of operation and prices asthey may change due to economic factors.

Information included in this book is, to the bestof our knowledge, accurate and correct. Neither Ad Wise Marketing nor any of the

advertisers assumes responsibility or liability forincorrect, incomplete or inaccurate information.All trademarks, registrations and brand names

should be taken as read.

from the editors

WED THU FRI SATSUN TUEMON WED THU FRI SATSUN TUEMON

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20 22 23 24 25

26 27 28 29 30 24/31

july 2011 « Cell Phone Courtesy Month

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19 21

june 2011 « Iced Tea Month

august 2011 « Happiness Happens Month september 2011 « Fall Hat Month



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28 29 30 31

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18 19 20 21 22 24

25 26 27 29 30

may 2011 « Personal History Monthapril 2011 « Jazz Appreciation Month

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1 April Fool’s Day18 Passover Begins | 22 Good Friday 22 Earth Day | 24 Easter Sunday

14 Flag Day19 Father’s Day21 First Day of Summer

5 Labor Day28 Rosh Hashanah begins

4 Independence Day

5 Cinco de Mayo8 Mother’s Day

30 Memorial Day Observed


B E A U T Y

Straight As String/Marcy Price ........6straightasstring.com

Studio Allure......................................7studioallurecolorsalon.com

Studio Marshall ................................6

Vintage Salon ....................................7

D I N I N G

Cellar on Greene..............................10cellarongreene.com

Cock n’ Bull Pub-Grille ....................12cnbpub.net

Devine Foods ....................................8

Garden Bistro ..................................11gardenbistrosc.com

Gourmet Rose Catering ..................12gourmetrosecatering.com

Groucho’s Deli ................................12grouchos.com

Hennessy’s ......................................12hennessyssc.com

Miyo’s ................................................9miyos.com

Mr. Friendly’s ..................................10mrfriendlys.com

Pawleys Front Porch..........................8pawleys5pts.com

Solstice Kitchen & Wine Bar ..........10solsticekitchen.com

Takosushi ........................................12

Tombo Grille ....................................11tombogrille.com

Z Pizza ..............................................12zpizza.com

F A S H I O N / A C C E S S O R I E S

Alderman Ford Antiques ................13stores.ebay.com/Alderman-Ford

Carolina Fine Jewelry......................14carolinafinejewelry.com

Round Robin....................................13roundrobinondevine.com

Swiftwater Beads ............................14

F I N A N C I A L / I N S U R A N C E /L E G A L / R E A L E S TAT E

Bernstein & Bernstein ....................15bernsteinandbernstein.com

Divorce Settlement Solutions ........22divorcesettlementsolutionssc.com

Healthcare Consultants, Inc. ........IBChciamerica.com

The Hinks Company ........................15hinksmortgage.com

The Hobbs Group ............................23hobbscpa.com

Midland Mortgage Corporation ....15midlandmortgagecorp.com

Morgan Stanley Smith Barney ......BCmorganstanley.com

Mungo Homes ................................17mungo.com

Ouzts, Ouzts & Varn, PC ..................17oovcpa.com

Resource Financial Services ..........17rfsvs.com

Rogers Townsend & Thomas ..........20rtt-law.com

Russell & Jeffcoat Realtors ............16russellandjeffcoat.com

G A R D E N / L A N D S C A P I N G

Appletree Landscaping & Garden Center..............................24

Blue Moon Landscaping ................24bluemoonlandscapingllc.com

Forest Lake Gardens ......................24

advertisers’ index/websites


H E A L T H C A R E

Columbia Skin Clinic ......................25columbiaskinclinic.com

Columbia Women’s Healthcare ......29columbiawhc.com

Family Medicine Centers of SC ......33fmcofsc.com

Richard M. Kline, DMD ....................25

LMC Health Directions....................27lmchealthdirections.com

Massage Envy..................................30massageenvy.com

Midland’s Medical Wellness Center ..............................32midlandsmedwc.com

Plastic Surgery of the Carolinas ....26plasticsurgerycarolina.com

The Vein Clinic ................................33veincliniconline.com

H O M E D É C O R

Casual Living ..................................35casuallivingsc.com

Dan’s Fan City ..................................35dansfancity.com

House of Frames & Paintings Gallery ........................36hofpgallery.com

Meeting Street Interiors ................36

Paul D. Sloan Interiors ....................34pdsinteriors.com

Strobler Home Furnishings ............35strobler.com

TropicAire ........................................36tropicaire.com

P E T S

Dog Daze ........................................37dogdaze-sc.com

Dog Training in Your Home ............37betterdog.com

Four Paws Animal Clinic ................38fourpawsanimalclinic.com

Pawmetto Lifeline/Bark to the Park ..............................38barktothepark.com

S E N I O R S

Security Federal Trust ....................39securityfederalbank.com

Senior Matters ................................40seniormatters.com

S E R V I C E S

Aquarian Pools ................................47aquarianpools.com

The Blencowe Group, Inc. ..............47blencowe.com

Dunbar Funerals & Cremations......44dunbarfunerals.com

Dutch Heating & Air Conditioning ..........................43dutchheatingandair.com

Jim Hudson Lexus ..........................IFCjimhudsonlexus.com

Kornegay & Moseley ......................46kornegayandmoseley.com

Lightscapes......................................46

Morganelli’s Party Store ................43

Palmetto Construction & Renovations ................................46

Henry Patton Pool, Fountain & Spa Services ................43

SC Book Festival ..............................47scbookfestival.org

Sincerely Yours, Inc. ........................43sincerelyyoursinc.net

Sloan Appliance Service ................42sloanappliances.com

Smart Phone Medic ........................47smartphonemedic.com

Upstairs Audio ................................42upstairsaudio.com

advertisers’ index/websites


beauty

spring/summer 2011

Hair is made of keratin, the same substance that forms nails and the barrier

at the top of the skin.

from beauty-hair-styles.com

NOTEBOOK FUN FACT

N

beauty


jLocated one mile west of the Vista

841-A Meeting St. j West Columbia, SC 29169studioallurecolorsalon.com j Gift certificates available

Closed Sunday

j803.791.8989

StudioAllureCOLOR SALON & SPA

For just $25 per year, you can receive the member massage price any time of theyear and can purchase up to three gift

certificates for others at the member price.You will also have “special” access to oursalon deals that we will promote just forYOU for being a member. Ask about our

SIGNATURE DEAL for just $45. Call today!

n If you wear foundation makeup, look at the ingredients. If it is an oil-based product, your foundation may be the culprit behind the acne problem. Changeyour makeup to one with a water base andyour skin will breathe a little easier. Andyou may also go very light on the makeupor go without makeup to see if your acnelessens.

n Wash your face twice a day using a mildsoap, such as pure glycerin. “Mild” is thekeyword. Harsh soaps can actually aggravate your skin. Also, make sure thatyou rinse your face thoroughly. A trace ofsoap can aggravate acne.

n Try benzoyl peroxide, among the mosttried-and-true home acne remedies, anextremely inexpensive solution that hasstood the test of time. The secret behindbenzoyl peroxide’s effectiveness is oxygen.Oxygen kills the bacteria lying below thesurface of the skin and deep in the pores.

n Apply toothpaste to the affected area at bedtime. Be sure to use traditionaltoothpaste instead of gels or whiteningpaste. When you wake up, you will find asmall remnant of the acne, if any at all.

n Wash your face with sea salt and distilled water. After that, squeeze somelemon juice on your face, then wash yourface with glycerin soap, rinsing thoroughly.


dining

spring/summer 2011

It’s all Greek to us.

Devine Foods(803) 252-0356

2702 Devine Street Columbia, SC 29205

Fresh-prepared food dailyTo-go box lunches and

catering services available

It’s all Greek to us.

NOTEBOOK FUN FACT

N

The most popular day to eatout in the United States is

Saturday. Second is Friday; third is Sunday.

Monday is the slowest day for restaurants.

from foodreference.com

The recent surge in popularity for Asianrestaurants throughout the Midlands indi-cates that more of us are taking control ofour eating habits, with an emphasis onhealthier foods. This control can oftenmean specific diet requirements, whichneed to be met by the highest qualityingredients, a comprehensive range ofmenu items and a variety of cooking meth-ods that match each diner’s unique palate.Gone are the days when Asian cuisine waslumped in with fast-food Chinese take-out.A more ‘culinary aware’ dining culture inColumbia has encouraged the growth andsuccess of new venues for “Moderation andBalance,” key factors in eating properly foroptimum health. Cooking methods such assteaming, wok-frying, hibachi grilling forfish, tofu and soy products are proving tobe popular alternatives for traditional beef,pork and chicken, and meeting specificdietary needs such as no or low sodium,calorie-specific and/or allergen-free items

should never interfere with the pleasurethat comes with your first bite of a meal —that moment when your taste budsrespond with delight and that involuntary“Mmmm” escapes.The discerning diner today has many choices to meet their preferences, but therestaurant that will be their first selectioncombines a comfortable ambience withexcellent and friendly service along withreasonable prices for a menu that offers anarray of options for every taste.“Mmmm.” The sound a restaurateur lovesto hear!The “Mmmm” element can be found at the seven loca-tions of Miyo’s and M, restaurants that offer casual diningwith fine dining service throughout the Columbia area.Our new Lexington location offers heart-healthy menuitems, including loose-leaf tea with its antioxidants, as doour other locations.

Thank you to all our loyal guests for your continuedpatronage and friendship! And we thank all our hard-working, dedicated staff for their everyday effort andbelief in our company! —MW

Meals that Make You Say “Mmmmm!”


dining

by Michelle Wang


dining

Preheat oven to 450°. Add oil to sauté pan and heat to medi-um-high. Salt and pepper pork chops on both sides, to taste.Lightly dust each pork chop with flour, then sear pork chopsuntil golden brown on one side. Turn pork chops over; cookfor another 2 minutes. Remove pork chops from pan and putin oven for 5–7 minutes depending on thickness and desiredinternal temperature.

In the same sauté pan, deglace with bourbon, adding half ofthe bourbon while pan is away from stove. Lower heat tomedium and return pan to stove carefully to cook off thealcohol. Gently loosen any particles in pan with a whisk. Add2 T of butter and onions, cook for 3–4 minutes. Add apples,cider vinegar, honey, lemon juice, remaining bourbon andcook for 2 minutes until liquid is reduced by half. Add sugar,brown sugar, nutmeg, cinnamon, ground clove and seasonwith salt and pepper. Cook for another 2 minutes. By this timethe apples should be caramelized and sauce should begin tothicken.

Remove pork chops from the oven and smother them withGlazed Apples, leaving as little as possible in the pan.

Immediately return pan to heat, add pecans and remainingbutter, season with salt and pepper, and perhaps a pinch ofsugar and sauté pecans until lightly browned. Top your porkchops and apples with the buttery pecans and dig in!

Pan Seared Pork Chops with Bourbon-Honey Glazed Apples & Buttery Pecansby Ricky Mollohan, Owner & Executive Chef, Mr. Friendly’s, Solstice Kitchen & Cellar on Greene

This is a favorite dish of mine at home and it’s super easy to do!

4 bone-in, medium pork chops, about 3/4”–1” thick

2 T vegetable or canola oil

1/2 sweet onion, 1/4” dice

1/2 C bourbon

2 Granny Smith apples, sliced

1/4 C honey

4 T butter

1/2 C all-purpose flour

1/2 C pecan pieces

1/4 C brown sugar

2 T granulated sugar

2 T apple cider vinegar

1 t nutmeg

1 t cinnamon

1/8 t ground clove

salt and pepper

Chopsticks for BeginnersEating sushi may seem intimidating atfirst, especially if one is unskilled withchopsticks. It is, however, a process youcan quickly get used to and enjoy —Japanese dining is all about visual presen-tation and atmosphere as well as thetexture and taste of the food. Everyone isinexperienced once... so follow these tipsto enjoy your sushi dinner worry-free.

The chopsticks are probably the first andworst barrier. To hold them, place a chopstickbetween your thumb and index finger, andthe other with the tips of your thumb, indexand middle finger. One is always held stationary while the other is manipulated to pick up food.

Chopstick etiquette isn’t extensive, but isextremely important to the Japanese. Neverlay your chopsticks flat on the table — theyshould be laid on provided chopstick rests,and you may notice that they point to theleft. Chopsticks that point to the right are asymbol of bad luck.

Between courses, always set your chopstickson the rest, and never leave them in yourbowl or on your plate. (If youare eating ramen or havenot been provided witha chopstick rest, it isacceptable to set themon top of your bowl.)

If you are choosing sushior another food from apot or plate at thecenter of the table,turn your chop-sticks around andpick up the itemwith the fat end.

And the mostimportant rule isto never, eversuck on yourchopsticks. This isthe biggest tabooin Japanese dining.

www.essortment.com


dining


dining

Interested in selling ads forThe Columbia Notebook in Lexington or Northeast Columbia?

Call Cathy at 803-799-9922.


THE FORUM n 2800 DEVINE STREET803.771.7610

fashion/accessories

spring/summer 2011

NOTEBOOK FUN FACT

The “little black dress” that CocoChanel introduced in 1926 has

become the epitome of chic. Herfirst LBD was a slash-necked, short

silk dress with only diagonal pin-tucks as decoration. An instanthit, widely available (though only

in black), the LBD was meant as thefashion ideal, designed to fit every

woman and to not show stains.

from vintagetextile.com


fashion/accessories

I read your Fall/Winter issue at the Columbia Eye Clinic and was so pleasantly informed, delighted and grateful for thearticles. Your graphics caughtmy attention immediately.Kudos to you and your amazing staff. I look forward to another issue. Thank you so much! Marlene Brazzell

Kind words from a reader:


1019 Assembly StreetColumbia, South Carolina 29201803.799.7900

www.bernsteinandbernstein.com

financial/legal/

real estate

spring/summer 2011

NOTEBOOK FUN FACT

N

Martha Washington is the only womanwhose portrait has appeared on U.S.

paper currency. It appeared on $1 SilverCertificates, Series 1886, 1891 and 1896.

from exchangerate.com/us_currency_fun_facts.html

“Why do women make great real estateagents?”

The typical answer is “because women like tolook at homes.” While I am sure there aremany women who enjoy looking at differenthomes, the more appropriate answer is“because women are the driving forcebehind the purchases of new homes.”Women make 91% of real estate decisions inthe U.S., and to whom do they relate best? Awoman — a woman who knows what isimportant to them.

Women real estate agents seem to have theunique ability to put themselves in their buy-ers’ shoes and listen to what buyers reallywant in a new home. According to WRELDA(Women’s Real Estate Lifestyle and Design),women consumers have specific, unique dif-ferences, values and needs which make themgravitate toward professionals who relate to

them. Think back to the last time you had anexperience with a professional who reallypleased you. How many of your girlfriendsdid you tell about it? Women typically makemore referrals, are more loyal and want to tellall of their friends about their experiences.

Women who desire to be in a career thatoffers the flexibility and freedom to set theirown pace enjoy the real estate profession.The income earned directly reflects theirefforts, and there is no limit to what hard-working individuals can earn. Women whoare motivated, goal-oriented and enjoyworking with people are very successful inthe real estate business. So whatever awoman’s idea of success is — a more flexibleschedule, no limit on income or helping oth-ers find their perfect home — she canachieve it with an exciting career in realestate.

Russell & Je�coatprovides thetraining and

supportI need to succeed.

RussellandJeffcoat.com

“My career in real estate gives me the �exibility and independence I want . . . ”

The time to start a career in real estate is now!The real estate market is improvingand Russell & Jeffcoat is growing!We want you to be a part of our #1 team.

To get started with the most rewarding career you could everhave, call Lynwood Duke NOW!

803-779-6000


financial/legal/real estate

Why Do Women Make Great Real Estate Agents?by Lynwood Duke, Director of Career Development, Russell & Jeffcoat Realtors

Your Online SafetyHow to report:

Divulged Personal InformationIf you believe you have mistakenly given yourpersonal information to a fraudster, file a com-plaint at www.ftc.gov/complaint, then visit theFederal Trade Commission’s Identity Theft web-site at ftc.gov/idtheft to learn how to minimizeyour risk of damage from a potential theft ofyour identity.

Hacking or a Computer VirusAlert the appropriate authorities by contacting:n Your ISP and the hacker’s ISP (if you can identi-fy it). You can usually find an ISP’s e-mail addresson its website. Include information on the inci-dent from your firewall’s log file. By alerting theISP to the problem on its system, you can help itprevent similar problems in the future.n The FBI at www.ic3.gov. To fight computercriminals, they need to hear from you.

Internet FraudIf a scammer takes advantage of you through aninternet auction, when you’re shopping onlineor in any other way, report it to the Federal Trade

Commission, at www.ftc.gov/complaint. FTCenters internet, identity theft and other fraud-related complaints into Consumer Sentinel, asecure, online database available to hundreds ofcivil and criminal law enforcement agencies inthe U.S. and abroad.

Deceptive Spamn If you get deceptive spam, including e-mailphishing for your information, forward it [email protected]. Include the full header of the e-mail, including all routing information.n You also may report phishing e-mail to [email protected]. The Anti-PhishingWorking Group, a consortium of ISPs, securityvendors, financial institutions and law enforce-ment agencies, uses these reports to fightphishing.

Social Networking SitesTrust your instincts if you are suspicious aboutsomething on a social networking site. Reportconcerns to the police and to the social net-working site. Most sites have links where userscan immediately report abusive, suspicious orinappropriate online behavior.

Source: www.onguardonline.gov/


115 Atrium Way n Suite 110Columbia, SC 29223 n 803.736.7855

oovcpa.com

Marty Ouzts, CPASherry N. Ouzts, CPA

Charles Varn Jr., CPA/PFSAndy Derajtys, CPASherry Stark, EAChris Render, CPAPatricia Maynard

OUZTS,OUZTS& VARN, PC

CERT IF IED PUBL IC ACCOUNTANTS


Introduction to Asset Allocation

Your investment goals are unique to you. Animportant step toward achieving your goalsis to include the appropriate mix of assets inyour portfolio. This mix, known as ‘asset allo-cation,’ is the balance of equities (stock),bonds (fixed income) and cash (or cash alter-natives) within your portfolio. A coreobjective of asset allocation is to potentiallyincrease the overall return for a given degreeof risk, or to reduce the overall risk of a port-folio for a targeted level of return. Althoughkeep in mind asset allocation and diversifi-cation do not guarantee a profit, or preventa loss, in declining financial markets. Beforedeciding on your asset allocation, youshould consider your investment goals andyour level of risk tolerance.

Investment Goals, Time Horizon and Risk Tolerance

Are you looking to generate a predictablestream of income to meet living expenses?Or do you want to generate capital growth?Are you investing for retirement? If so, whatis your retirement time frame (5 years, 10years or more)? You should clearly defineyour investment goals and horizon.

A key to setting investment goals is to bal-ance return expectations with yourwillingness to accept risk. It is important thatyou are comfortable with the amount of riskin your portfolio so that you will be able tostick with your investment strategy eventhrough turbulent times.

You should strive to establish realistic expec-tations and carefully determine theappropriate investment time frame for aninvestment plan. You may have multiplegoals impacting your investment strategy,and accordingly may have multiple time

horizons. Typical goals include payment ofcollege tuition for your children, purchase ofa home and retirement, among many others.

Revisit and Rebalance Your Allocation Regularly

Your investment goals, time horizon and risktolerance will evolve over time — your assetallocation should change with them. At thebeginning of your career, you may be willingto take on more risk, as you have time onyour side to recoup losses. You and yourFinancial Advisor may determine that it isappropriate to include a relatively high allo-cation to equities at this stage, as well asfixed-income instruments which focus oncapturing high yields.

As you accumulate wealth, your needs mayexpand to include the purchase of property,the cost of education and impending retire-ment. You and your Financial Advisor maydetermine that you should reduce yourexposure to riskier equity investments andincrease your allocation to more highly ratedfixed-income securities.

Near the end of your career, you may have amuch lower tolerance for risk as you look

Investing in Equities and Fixed Incometo Help Create a Balanced Portfolioby Jan Jernigan, Financial Advisor and Vice President, Morgan Stanley Smith Barney Columbia, South Carolina, 803-251-3248

A core objective ofasset allocation is topotentially increasethe overall return fora given degree of risk,or to reduce the over-all risk of a portfoliofor a targeted level of return.



toward retirement and spending some ofthe wealth you have accumulated. Yourfocus may shift to income generation andprincipal protection at this stage, and youand your Financial Advisor may transitionyour allocation toward high-quality fixed-income instruments and away from morevolatile securities.

Equally important is regular rebalancing ofyour portfolio to maintain your target alloca-tion. As markets change and different assetsappreciate and depreciate differently, the rel-ative weightings of each sector, geographicregion and asset class in your portfolio willchange. In order to keep your asset allocationin line with your long-term strategy, it isimportant to revisit and rebalance your port-folio regularly. A rebalancing strategy,however, may create tax implications, there-fore, please consult your tax advisor beforeimplementing such a strategy.

Investment Strategy

The key to building a diversified portfolio isto make sure that your investment deci-sions are consistent with your financialobjectives and long-term plans. By takingthe time to understand your investmentobjectives and style, as well as the invest-ment choices available, you can develop anasset allocation strategy that is right for you.Your Morgan Stanley Smith Barney FinancialAdvisor is available to review your financialgoals and level of risk tolerance with you,and to help you build a balanced and diver-sified portfolio.

Asset allocation, diversification and rebal-ancing do not protect against loss indeclining financial markets.

The market value of fixed-income securitiesmay fluctuate and, if sold prior to maturity,the price you receive may be more or lessthan the original purchase price or maturity.

The value of an equity security changesdaily and can be affected by changes in

interest rates, general market conditionsand other political, social and economicdevelopments, as well as matters relating tothe specific company itself. Before investingin equities, you should be willing and ableto accept these risks.

Articles are published for general information pur-poses and are not an offer or solicitation to sell orbuy any securities or commodities. Any particularinvestment should be analyzed based on its termsand risks as they relate to your specific circum-stances and objectives.

Morgan Stanley Smith Barney and its FinancialAdvisors do not render advice on tax or tax-accounting matters. Clients should always checkwith their tax and legal advisor before engaging inany transaction involving IRAs or other tax-advan-taged investments. This material was not intendedor written to be used, and it cannot be used by anytaxpayer, for the purpose of avoiding penalties thatmay be imposed on the taxpayer under U.S. federaltax laws.

Article by Morgan Stanley Smith Barney LLC. Courtesy of yourMorgan Stanley Smith Barney Financial Advisor.

© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.



Ever lie awake thinking of all the things youneed to get done? As women, we tend totake on all the stresses of life for ourselvesand our families. Often when we have a needfor legal services, it is the woman who bitesthe bullet and finally addresses the situation.Whether buying a new home, refinancingyour existing home, incorporating your busi-ness, finally getting your estate plan done,marrying a great guy but considering aprenuptial agreement or seeking advice onemployment issues, you need legal assis-tance.

What now? Find an attorney. Do your home-work. Don’t just Google “Attorney inColumbia, SC” and see what comes upbecause you think that all attorneys areabout the same. Think again!

Different attorneys have different styles anddifferent areas of practice. Do you wantsomeone who tells you what you need to door someone who will listen to you and comeup with a plan that incorporates your needsand wants?

Some things to consider when choosing alaw firm and an attorney who can assist you:

Experience: There is no substitute for experi-ence. Choose a law firm and a lawyer with adepth of knowledge and experience.

Reputation: Check out the reputation of theattorneys at the law firm. Are they up-to-dateon the latest developments in the law? Arethey frequent presenters at seminars? Arethey members of pertinent industry organi-zations? Do they have any certifications?Consider all these factors when choosing anattorney and a law firm to meet your legalneeds.

Full-Service Firm: “Is the firm diverseenough to handle my family’s legal needsover time or will I need to go somewhere elsewhen a new legal matter arises?” Choosing alaw firm that is a full-service firm and has a

diverse set of professionals with diverse prac-tice areas to handle your needs, but still hasthat one-on-one feel will ensure that some-one is available when you need them andthat you aren’t just another billable hour. Findout if there are attorneys with experience ina variety of legal areas.

Specializations: Choosing a lawyer is oftenlike choosing a doctor who specializes in acertain area of medicine. Lawyers also havespecialty designations, which are awarded bythe Supreme Court Commission on Continu-ing Legal Education. What does this mean?Lawyers with specializations spend morethan 50% of their practice concentrating on acertain area of law, have passed additionalexams and are recertified every five yearsbased on their credentials, such as a CertifiedSpecialist in Estate Planning and ProbateLaw, Employment Law, Taxation and Bank-ruptcy. Not all areas of law have a specialtydesignation.

Compatibility: “I like this lawyer. I feel likeshe really understands where I’m comingfrom.” Choose someone with whom youwant to work. Make sure you get a good feel-ing about your attorney and their law firm. Itis okay to interview your potential attorneybefore you make a commitment.

Consider Rogers Townsend & Thomas, PCwhen choosing a law firm to assist with yourfamily’s legal needs.

Estate planning, employment issues, residen-tial real estate closings, LLC and corporateformations, tax planning, mediation/arbitra-tion, contract review, litigation, probatelitigation, Medicaid/Medicare planning, taxappeals… Yeah, we do that.

This article is published for general information andis not intended as legal advice. If you would likelegal advice, please contact one of the attorneys byvisiting us at rtt-law.com.

How to Choose the Right Lawyer for Your Legal Needs: Legal Services and Advice for Women by Womenby Lisa Hostetler, Attorney, Rogers Townsend & Thomas, PC 803-771-7900





Going through a divorce can make you feellike the captain of a leaky boat on stormyseas — there seems to be a new crisis atevery turn. But the more frenzied your emo-tions, the longer the proceedings and themore costly the divorce.

Here are five strategies to help you separateemotions from economics:

nDon’t let guilt rule you. “Please releaseme, let me go” goes the country song, butdon’t give up everything to buy your free-dom. Your spouse will still be unhappy andyou’ll be equally unhappy when you findyourself impoverished by your foolish ges-ture.

nDon’t “make nice” to get him or her back.Even if you hope your divorce will end in rec-onciliation, don’t bend over backward tomake it happen. Stand up for yourself andget your share. If you reconcile, that’s fine, butif you don’t, you’ll still be able to take care ofyourself financially.

nLeave revenge at the door. Legally, itprobably doesn’t matter who did wrong.Revenge is costly and a wild rampage isbound to turn out poorly. You might end uppaying your spouse’s attorney fees.

nDon’t succumb to threats or threatenyour spouse. Money and power are emo-tionally linked, but you can’t use money tocontrol your spouse and get your way. What-ever you can’t agree upon will end up beingsplit between your attorneys.

nFocus on problem-solving, not fighting.Don’t let meetings turn into posturing toshow who’s in control or how smart you are.Settling the terms of your divorce is the prob-lem you must confront and it won’t getsolved by fighting.

Let us help you with the financial realities ofdivorce. Contact a Certified Divorce FinancialAnalyst at Divorce Settlement Solutions, 803-260-7890, or visit our website at divorcesettlementsolutionssc.com.

Don’t Let Emotions Rule Your Divorceby Philip P. Rusnak, CDFA

Risk in the world of investments is a relativeterm. As a financial advisor, I have seen menand women handle risk in very different ways.Men, who never ask for directions, often taketoo much risk with their investments. Manymen lose their shirt (and their money)because they are overly confident, tooaggressive and unwilling to ask for help withtheir investments.

Women, on the other hand, are more recep-tive to accepting help and don’t necessarilycare to research their own investments orbrag about their “winning picks” at parties.They tend to gravitate toward safer, moreconservative investments. Too much invest-ment risk is a bad thing, but taking no risk atall may also have negative implications for aportfolio.

What keeps the conservative investor fromlosing in the short term might also keep themfrom reaching their long-term goals. Whilethe safest investments historically yield a

much lower return than stocks and corporatebonds, if you play it too safe, you are almostguaranteed to have less money compared tothe investor who takes an appropriateamount of risk, which differs for everyinvestor. A qualified investment professionalwill work with you to determine your uniquerisk tolerance and recommend an investmentallocation that will work for you.

Peter A. Pigeon, CFP, is Vice President of HobbsGroup Advisors, LLC, The Hobbs Group, PA’s finan-cial services affiliate located in Columbia. He maybe reached at 803-540-3034 or [email protected].

The opinions voiced in this material are for general information only and are not intended to provide specificadvice or recommendations for any individual. To determine which investment(s) may be appropriate foryou, consult your financial advisor prior to investing. Allperformance referenced is historical and is no guarantee of future results.

Securities offered through Triad Advisors, Inc., Member FINRA/SIPC.

Risk: Is it a Bad Thing? by Peter A. Pigeon, CFP®




garden/landscaping

spring/summer 2011

NOTEBOOK FUN FACT

Broccoli and cauliflower are the onlyvegetables that are also flowers.

from burpeehomegardens.com

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healthcare

spring/summer 2011

NOTEBOOK FUN FACT

Laughter activates the release of endorphin, the body’s own pain-

reducing agent.

from wiki.cmich.edu/groups/southcampus/wiki/5f35a/

Whitening

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www.ColumbiaSkinClinic.com

Beautiful Carolina spring weather will soon beupon us and the summer bathing suit seasonis not far away. That may be a cause for concernfor some, especially young moms who mayfeel that bearing their beautiful child(ren) mayhave left their bodies somewhat less attractivethan before pregnancy. The effects of pregnan-cy on the body can be significant, both forbreasts and tummy, but also for other areassuch as thighs.

What can be done?

First, a healthy lifestyle is paramount. Gettingclose to one’s ideal weight with healthy eatingand the proper amount of exercise, be it justplain walking, aerobics, yoga, Pilates, or somecombination, is key. But there are certain areasof the body (breasts, in particular) that can onlybe improved with plastic surgery. The mostcommon changes in the breasts can be sag-ging or drooping, but also volume loss.Sometimes an augmentation alone can pro-vide a beautiful enhancement. Sometimes alift is required. Occasionally both may be nec-essary. For a pretty and natural appearance,

keeping propor-tions in mind isthe key to avoid-ing an unnaturalor “operated”appearance. Thetummy canoften be ad-dressed withliposuction, buta tummy tuck (abdominoplasty) might benecessary to remove the excess skin andstretch marks, and even occasional C-sectionscar that may have healed poorly. In somecases both liposuction and a tummy tuck(lipoabdominoplasty) may be necessary, andliposuction can definitely help remove excessfat deposits that may appear in the lateralthighs, hips or buttocks.

The most valuable contribution of plastic sur-gery is making you feel better about yourselfand more confident that you can look terrificagain, both in that pretty bathing suit and inyour birthday suit.

For more information, please visit our website atwww.PlasticSurgeryCarolina.com or call us at 803-733-5881 to schedule a consultation.

Bathing Suit Bluesby Ram Kalus MD, Plastic Surgery of the Carolinas, PA


health care

Lexington Medical Center will affiliate withDuke Medicine’s internationally recognizedheart program, one of the world’s leading cen-ters for cardiac care and research, to offer a fullrange of cardiovascular services includingopen heart surgery at Lexington Medical Cen-ter in 2011. This agreement brings the bestheart care in the nation to Lexington MedicalCenter and the Midlands.

Affiliating with Duke, recognized as one of thetop ten heart hospitals in the nation by U.S.News and World Report and the only top tenprogram in the Southeast, Lexington MedicalCenter will benefit from Duke’s research, guid-ance and services. Duke will help recruit thebest cardiovascular surgeons and cardiacanesthesiologists to work at Lexington Med-ical Center and assist with the recruitment andtraining of nurses and staff, design of the openheart surgery operating room, implementa-tion of policies and procedures, and oversightof quality and development. And LexingtonMedical Center will have access to the latestadvances in cardiovascular care.

The ability to provide a full range of cardiovas-cular services has been a goal of LexingtonMedical Center for years. LMC operates twobusy catheterization labs and the secondbusiest Emergency department in South Car-olina, treating more than 95,000 patients eachyear. As one of the fastest-growing counties inSouth Carolina, Lexington County is the largestwithout an open heart surgery program.

Duke has decades of experience in caring forpeople with heart disease. Its accomplish-ments in the area of cardiovascular careinclude medical firsts, innovation, research andeducation. In fiscal year 2010, the Duke Univer-sity Health System performed 8,500 cardiaccatheterizations, 2,000 angioplasties, morethan 1,800 open heart surgeries and 64 hearttransplants.

Lexington Medical Center expects to begin itsnew cardiovascular program with two heartsurgeons and a team of nurses and staff withspecial training in cardiac care, including inten-sive post-surgery cardiac and pulmonarymonitoring.

Lexington Medical Center Affiliates with Duke Medicine forOpen Heart Surgery Program by Jennifer Wilson, Lexington Medical Center


health care

No, it’s not misspelled — HELLP syndrome isan unusual manifestation of preeclampsia,which is a disease of pregnant women thathas been with us since Adam and Eve. In spiteof all our technology and current knowledge,we still do not know its cause, but we do knowthat it only occurs in pregnant women and theonly cure is delivery of the pregnancy.

Preeclampsia in some populations occurs in asmuch as 10% of pregnant females. The usualsigns and symptoms are edema and swelling,protein spillage in the urine, and elevatedblood pressure or hypertension, usually affect-ing young females having their first child,older women or those who are having multi-ple gestations such as twins or triplets. Oncepreeclampsia is diagnosed in a pregnantfemale, it generally means that delivery willhave to occur for the patient to recover.

If undiagnosed or untreated, preeclampsia,which is generally classified as mild or severedepending on the blood pressure elevationand other criteria such as the amount of pro-tein in the urine or the presence of HELLPsyndrome, can progress to eclampsia, whichresults in seizures and convulsions. This is amedical emergency; once the patient is stabi-lized on medication such as magnesiumsulfate and other hypertensive meds, thendelivery must be effected either by inductionwith a drug such as pitocin or by performing aC-section. This disease generally does notoccur before the third trimester, after 24 weeksof pregnancy. Often it can suddenly presentitself early in the third trimester, making it nec-essary for the pregnancy to be deliveredprematurely and requiring the baby to recov-er in the neonatal intensive care unit.

Doctors and obstetricians do not play withpreeclampsia; once these signs and symp-toms occur, then delivery must occur within aday or two or the patient will becomeextremely ill and may develop grave compli-cations such as congestive heart failure,clotting disorders, continual seizures and cere-bral hemorrhage which may lead to death.After the birth, patients recover rapidly withloss of fluid retention and lowered blood pres-sure, assisted, if necessary, with hypertensive

medication for a period of time followingdelivery until their former weight has beenrecovered.

HELLP syndrome is a unique form ofpreeclampsia that can occur, sometimessneaking up on the patient and the doctor.HELLP stands for “Hemolysis Elevated LiverEnzymes and Low Platelet count.”

How can you prevent these types of complica-tions? First and foremost, try to watch yourweight gain during pregnancy. Often, girlshaving their first child think that eating makesa healthy baby; consequently, they’ve alreadygained 15 to 20 pounds by the first prenatalvisit. Interestingly, at 7 months or 28 weeks ofpregnancy, the baby only weighs about 2pounds. The weight gained by that time ismostly the mother’s as the developing infantdoesn’t gain most of its weight until the thirdtrimester. Avoid extra salt intake during preg-nancy to minimize fluid retention andswelling. A balanced diet, prenatal vitaminsand early prenatal care is most important. Itseems sometimes at a prenatal visit that physi-cians are not doing much other thanmeasuring your weight, abdomen and check-ing a urine sample. But the urine sample willtip us off to kidney diseases that are occurringas well as gestation diabetes, which is verycommon during pregnancy.

If you are overweight before pregnancy orgain a tremendous amount of weight duringpregnancy, especially with your first child, youare at very high risk for developingpreeclampsia.

It is important to prepare and plan adequate-ly for a healthy pregnancy, supporting it withgood prenatal care.

HELLP!HELLP stands for “Hemolysis Elevated LiverEnzymes and LowPlatelet count.”


health care

by Alexander R. Smythe II, MD, Columbia Women’s Healthcare


health care


health care HEALTH CARE

Massage therapy is the art of treating com-mon human ailments through the externalmanipulation of the muscles and muscle con-nections. The stressors that we subject ourbodies to daily cause our muscles to contractirregularly, in ways contrary to the originaldesign of the human body. For example, sit-ting at a desk with the arms forward (typing,using a computer mouse) for eight hours aday will shorten the pectoral, or chest, musclesand frequently result in... back pain!

Just like the old song involving knee bonesand their connection to the shin bones, mus-cles are interconnected as well. There is anopposing muscle that is affected whenever aphysical action causes a muscle to flex, or con-tract. When you bend your arm, the bicepsmuscle is engaged, but it also affects the mus-cle on the back of your arms, the triceps. Thisbegins to explain why typing can cause backand shoulder pain.

When the arms are forward for extended peri-ods of time, the chest muscles shorten,causing the muscles that span the upper backto stretch for longer than they would typically.Those back muscles become less able to sup-port the upper framework without thecorresponding support from the front mus-cles, so they become sore from having toaccomplish a two-muscle job by themselves.You may experience this as upper back pain.

A Licensed Massage Therapist is trained to dis-cover the causes of muscle and joint pain. Oneof the things they will look for is any repetitivemotion which strains a specific group of mus-cles. They will then focus attention on theopposing group of muscles for the most relieffrom one session. Always remember, however,that massage therapy is similar to exercise, inthat one session will result in a temporary feel-ing of well-being, but true long-term benefitsmay only be derived from regular practice.

In addition to the relief of muscle pain, mas-sage therapy has been shown to affect manyof the maladies that we experience on a daily

basis. An estimated 90 percent of all diseasesare caused by stress, and a most potent reliev-er of stress is massage. Massage releasesendorphins, the body’s natural defenseagainst stress, and causes a rise in the brain’sserotonin levels, resulting in a natural feelingof calmness.

Stress may cause inflammation, which is a pri-mary factor in the flare-ups experienced bythose who suffer from autoimmune disordersand arthritis. Reducing stress through mas-sage therapy can lessen feelings ofdepression, anxiety and hostility. It can relieveinsomnia and lower chronic high blood pres-sure. Decreasing stress has also been shown toreduce levels of cortisol in the body, a long-term stress hormone which, incidentally, isalso the main culprit in the retention of fatdeposits in our midsections!

There are several common conditions forwhich massage therapy is beneficial. One thatis gaining attention is prenatal massage. Dur-ing pregnancy, massage can help relievesciatica, a common nerve pain; reduceswelling in the extremities; ease labor pains;and speed the recovery of the body to its pre-pregnancy condition. Massage therapy hasalso been proven beneficial to those with dia-betes, cancer survivors and people sufferingfrom fibromyalgia. It is recommended thatpeople with these conditions be treated onlyby therapists trained in those specific modali-ties, as each has special considerations thatmust be taken into account.

The cost of a good therapeutic massage canvary; the effect it can have on your health andwell-being is priceless.

For more information and affordable massagetherapy appointments, contact your local MassageEnvy clinic, experts in massage therapy. ForestAcres (803) 790-9000, Harbison (803) 227-4444;www.massageenvy.com.

Reducing Stress Factorswith Massageby Jennifer Landry


health care

28

A Licensed MassageTherapist is trained todiscover the causes ofmuscle and joint pain.


health care

When Midlands Medical Wellness Center, LLCopened its doors in 2007, the purpose was toaddress the hormonal imbalance of men andwomen through bio-identical hormonereplacement, an answer for menopause andandropause (male menopause). A person nolonger has to deal with symptoms related to“going through the change” or “having a mid-life crisis.” BHRT pellets are compounded formsof estrogen and testosterone. These are plant-derived and typically cause fewer side effects.Although there are many forms of BHRT, pelletslast for several months. Hormones are slowlyreleased in levels that the body previously hadwhen a person was in his or her prime.Midlands Medical Wellness Center then intro-duced the oral HCG weight-loss program intoour practice. HCG has been in use for more than60 years for weight loss, particularly for thosetrying to reduce risks related to diseases such ashigh blood pressure, diabetes and heart disease.We have seen remarkable success without hav-ing to give “shots.” Although individual resultsvary, on average our practice sees 20 to 25

pounds of weight loss during the first month ofuse.In the future, Midlands Medical Wellness Centerwill continue to grow and offer alternatives thatimprove quality of life. Look for the introductionof products such as nutritional supplementsthat will improve metabolism and energy aswell as toxic-free skin products that avoid ingre-dients linked to cancer-causing agentscommonly found in many products today.Jandrette Rhoe, MD, has been trained in the evaluation and management of BHRT, which hasbeen around more than 50 years. The services thatMidlands Medical Wellness Center provides areimpacting lives and families. We hope to see you orsomeone you care about soon at our office! For more information, please go to www.Mid-landsMedWC.com or call (803) 223-9328 toschedule your appointment.

by Jandrette Rhoe, MD…on average our practicesees 20 to 25 pounds ofweight loss during the firstmonth of use.

Changing Lives One Person at a Time


health care

An inexpensive bottle of cider vinegar hasa wealth of uses for personal health.Before you reach for an expensive solu-tion next time, try using vinegar in thefollowing ways:

n Mix 1 cup of vinegar and warm water intoa large glass and use to rinse your hair afteryou shampoo. Vinegar adds highlights tobrunette hair, restores the acid mantel, andremoves soap film and sebum oil.

n Relieve sunburn by lightly rubbing itwith vinegar. You may have to reapply.

n Relieve dry and itchy skin. Add 2 table-spoons to bath water.

n Fight dandruff by rinsing with vinegar and2 cups of warm water after shampooing.

n Treat sinus infections and chest colds byadding 1/4 cup or more vinegar to thevaporizer.

n Clean dentures by soaking themovernight in vinegar, then brush away tar-tar with a toothbrush.

n Soothe a bee or jellyfish sting. Dot ordouse the irritated area with vinegar andrelieve itching. Relieve itching by using acotton ball to dab mosquito and other bugbites with vinegar straight from the bottle.

Bhavesh R.Amin, M.D.Pamela I. Brown, M.D.William H. Crigler, M.D.Tamera D. Crowe, M.D.David C. Fisher, M.D.Stacy J. Gajewski, M.D.Patrice L. High, D.O.

Anil J. Kudchadkar, M.D.John F. Mattei, D.C., M.D.David C. Morris, M.D.Minoti V. Parab, M.D.Stephen F. Serbin, M.D.Peter J. Stahl, M.D.Stephen M. Tuel, M.D.G. Jack Walters, M.D.Carol S. Berry, F.N.P.Jennifer R. Turner, PA-C

Midtown Family Medicine931-0100 1910 Gregg StreetCorner of Richland & Gregg streets

Woodhill Family Medicine783-4433 813 Leesburg Road At Leesburg Road Exit of I-77

Springwood Lake Family Practice788-7884 1721 Horseshoe DriveNear Two Notch Road Exit of I-20

Rice Creek Family Medicine227-7777 300 Rice Meadow WayAt corner of Hardscrabble Road

Saluda Pointe Family Medicine239-1600 3630 Sunset BoulevardBetween I-26 and I-20 Exits

Lake Murray Family MedicineOpening Spring 2011

724-1100 7611 St. Andrews RoadAcross from Union United Methodist ChurchVisit our Web site: www.FMCofSC.com

Family Medicine Centers of South Carolina

HOURS BY APPOINTMENT

Kind words from an advertiser:

I loved The Columbia Notebook thefirst time I saw it. We’ve had positiveresponse from our articles… thanks,thanks and thanks!Shirley Keels, Administrator, Columbia Women’s Healthcare SC Clinical Research

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home décor

spring/summer 2011

NOTEBOOK FUN FACT

In 1938, 27% of homes with electricityowned a vacuum cleaner, rising to 40% tenyears later. Today, according to the Vacuum

Cleaner Manufacturers Association, 98% of households own a vacuum cleaner.

from carpet-rug.org/pdf_word_docs/0111_vacuum_fun_facts

Having a porch or patio attached to yourhome can provide a huge number of benefits.Whether it’s a place to sit out and enjoy theweather or a gathering area for friends andneighbors, the porch can provide safety andcomfort for you and your family. The look andatmosphere of this area can be extremelyimportant when you are entertaining orunwinding after a long day.

Spring creates the perfect atmosphere forchanges and enhanced beauty. There is areason that “spring cleaning” is done this timeof year; spring is a time of renewal.

Spring cleaning should be the first step indecorating your porch or patio for spring.Clean away any dust, dirt and debris that hasbuilt up during winter time.

Begin planting and gardening near yourporch or patio as soon as possible. Nothingwill set a calming, welcoming atmosphere likefreshly blooming flowers. The colors and

scents of these flowers alone will transformyour porch from a dull area to a bloomingwonderland.

Incorporating indoor-looking furniture intoyour outdoor porch decorating scheme canmake the area feel comfortable and homey.Small couches with soft cushions, or even indi-vidual seating with an ottoman foot rest canmake you and your guests feel as though youdid not have to leave the “comfort” of yourhome to come outside.

If the weather is still chilly but you’re look-ing to enjoy the benefits of your newly-decorated porch, consider using an outdoorfire pot. Most home-improvement, hardwareor camping stores will sell all kinds of fire potsfrom miniature barbecues to witchy-lookingcauldrons. These fires will be contained, butcan heat your patio area effectively and willalso provide light for playing games or readingin the pleasant outdoors.


home décor

www.casuallivingsc.com 4708 Forest Drive • (803) 790-50666006 Two Notch Rd. • (803) [email protected]

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“Quiet Quality Fans Since 1979”

Bring On the Patio Weather!


home décor

ART FROM AROUND THE WORLD AND AROUND THE CORNER

Enjoyed reading informative articles by Dr. Joe Moran,Dr. Andrea Pezzella and Jan Jernigan — keep up thegreat work — what a wonderful resource for women!Judy Blount Humphries

Kind wordsfrom areader:


pets

spring/summer 2011

NOTEBOOK FUN FACT

Studies have shown that cats have

better memories than dogs, monkeys

or orangutans.

from pethealth.lifetips.com/cat/66317/fun-pet-

facts/index.html

Kind words from an advertiser:

The Columbia Notebook has been agreat place for us to advertise. Wefeel like we reach a lot of peoplebecause everybody reads it! Tracy Wales, VeterinarianFour Paws Animal Clinic

Locally owned and operated by Patrick Hall

We encourage inspections and questions!

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www.dogdaze-sc.comCertified Member of International Association of Canine Professionals & National K9 Dog Trainer Association


pets

Dogs’ noses have about four times

as many scent cells as cats and 14

times more than humans’. That’s

why dogs are frequently used to

sniff out allergy-causing mold,

termites, illegal drugs and missing

persons. They can also smell their

dinner from anywhere in the house!

seniors

spring/summer 2011


Personal Service froma Community Bank

With over 40 years of experience in preserving and accumulating assets for customers, the employees at Security Feder-al Trust can help build, manage and protectyour wealth, for you and your loved ones.We can also assist individuals who seek tominimize taxes, wish to avoid probate or those who seek freedom fromthe details of collecting income, managingassets and paying bills.

Trust services are offered through Security Federal Trust, a division of Security Federal Bank,a subsidiary of Security Federal Corporation. Security Federal Trust is authorized by theOffice of Thrift Supervision to provide trust, investment and asset management services.Please consult your tax or legal advisors before taking any action that may have tax consequences.

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D E C I S I O N S P RO T E C T I O N R E T I R E M E N T

NOTEBOOK FUN FACT

N

As you age, your eye color gets lighter.

from seniorsworldchronicle.com

At the age of 84, Queen Elizabeth II is

Queen of 16 different countries: the

United Kingdom, Canada, Australia,

New Zealand, Jamaica, Barbados, the

Bahamas, Grenada, Papua New Guinea,

the Solomon Islands, Tuvalu, Saint

Lucia, Saint Vincent and the

Grenadines, Belize, Antigua and

Barbuda, and Saint Kitts and Nevis.

Retirement doesn’t appear to be an

option in the near future.


seniors

Eleven years ago, while dealing with my son’sTraumatic Brain Injury (TBI), I found myselflearning the ins and outs of Guardianship.Since he was over 18 and did not have a HealthCare Power of Attorney, the only instrumentavailable to protect him and allow the familyto make medical and end-of-life decisions,determine and monitor residence, and act asrepresentative payee was a guardianship. Thisprofessional can focus on the disabled individ-ual’s living conditions, available vocational andeducational services, ancillary professionalservices, caring for the dependents and, whenappointed, manage their finances. But themost important role of the guardian is toadvocate for the individual in the least restric-tive manner, allowing the individual to interactas much as possible and express their desiresto those caring for them.

There are various types of Guardianships avail-able and obtained through the Probate Courtin South Carolina. Guardian of the Personmakes decisions about the person thatinclude medical, residential care and authori-zation of the release of confidentialinformation. Guardian of the Estate (Conserva-tor) deals with financial, real estate and otherproperties. Limited Guardianship is a specificauthorization determined by the ProbateCourt. Plenary Guardianship covers both theperson and the estate.

There are questions that may shed some lightas to whether someone may benefit from aguardian/conservator. Does the individualunderstand the decisions that need to bemade and the nature of the decisions; canthey, individually, direct the decisions, theoptions and the potential consequences ofthose options and/or decisions? Not everyonewith a disability needs a guardian; this processrequires assessment by a licensed medicaland/or mental health physician.

The National Guardianship Association is awonderful website to review if you think thatthere is someone in your family who may ben-efit from having a Guardian/Conservator. Atwww.guardianship.org, you can identify certi-fied professional guardian/conservators. These

professional guardian/conservators have satfor a national exam and obtain CEUs to keeptheir credentials current. A registered guardianis not a professional guardian. A professionalguardian takes a National or state-recognizedtest to determine their certifications. In SouthCarolina, some attorneys-at-law are profes-sional guardians/conservators approved bythe Probate Court. Both professionalguardian/conservators and attorneys whoaccept the role as guardian/conservators musthave liability and malpractice insurance toprotect their clients.

As a professional guardian/conservator, I oftensee individuals who are not able to make themedical and life plan decisions necessary tomaintain quality of life through proper careand service delivery. Those receiving servicesthrough state and federal agencies are popu-lations that often do not have a voice orsomeone trained to advocate and make deci-sions that affect and enhance their well-beingand rights.

Each state determines the guidelines ofguardianship for minors and for adults. Thelocal county probate courts can assist you indetermining the state laws governing the dif-ferent appointments. When possible, a familymember or qualified person who knows theindividual can be appointed as guardian, butwhen there is no one who can take on thoseresponsibilities, a professional guardian/con-servator may be the answer. Parents of adultdisabled children often make legal arrange-ments through the courts to assign aguardian/conservator after their death.

At Senior Matters Extended Services, LLC, we assistolder adults, disabled individuals and those withchronic and progressive diseases and illnesses whoare finding it difficult to navigate through themedical, provider and social systems. Please visitour website, www.seniormatters.com. Theinformation provided in this article is sourced frombrochures from the National Guardianship Association and through our office.

Guardianship: Who,When and Whyby Mary Katherine Bagnal, MSW, CMC, CGCCertified Legal Guardian/Conservator

…the most importantrole of the guardian isto advocate for theindividual in the leastrestrictive manner…


seniors

services

spring/summer 2011


746 Harden St. • Columbia, SC 29205

At Upstairs Audio and Video, we trump the big-boxstores with customer service and better prices. Our nearly 40 years of locally-owned experience

will help you make the right decision when it comes tochoosing everything from a new hi-definition TV toproper speaker wire. And of course, we’ll be happy

to professionally install your components regardless of where you bought them!

NOTEBOOK FUN FACT

Most American car horns beep in the key of F.

from tealdragon.net/humor/facts/facts.htm


services

SALES & INSTALLATION We Service All Makes and Models

230 Ermine Road, West Columbia, SC 29170

DUTCHHEATING & AIR CONDITIONING

(803) 794-0318

HENRY PATTONCertified Pool Operator

Call anytime: 252-4405S E R V I N G M E T R O C O L U M B I A

POOL , FOUNTA IN & S P A S E RV I C E S

BalancingRepairsMaintenancePool OpeningsEquipmentCleaningWinterizingSupplies


services

DunbarFunerals.com

3926 Devine StreetColumbia, SC 29201803-771-7990

4219 Hard Scrabble Rd.Columbia, SC 29223803-788-6310

7600 Woodrow StreetIrmo, SC 29063803-732-2211

Dunbar’s Northeast Chapel, our newest loca-tion, is conveniently located near theintersection of Clemson and Hard Scrabbleroads, and is staffed by individuals with long-term ties to the Northeast community.

Dunbar Northeast Chapel is an integral part ofthe continuing legacy Dunbar Funeral Homeshave enjoyed in the Midlands. For more than100 years, five generations of Dunbars haveupheld a family tradition of striving for thehighest standards and an even higher level ofservice to the area’s families.

Dunbar’s reputation for superior service andcommitment to fair prices places us amongthe top funeral homes in thenation in terms of the numberof funeral services conducted.This longstanding traditionand attitude of caring and dig-nity provide you with everyassurance that funeral needswill be fulfilled professionallyand with compassion.

Dunbar’s association withStewart Enterprises, thenation’s second largestprovider of funeral servic-es, provides us increasedaccess to the resourcesand expertise required tofulfill any funeral needs.At Dunbar, we work to exemplify Stewart’s

motto: “Caring for people, making a difference.”

Additionally, we are here to discuss numerousoptions available for either cremation or burialarrangements. Kristin Jewell, the NortheastChapel funeral director, has more than 20 yearsof experience assisting families through theprocess of selecting the most appropriatearrangements to suit your individual needsand preferences.

The Northeast Chapel opened in September2009. Our facility provides a dignified and wel-coming atmosphere. It is spacious andcomfortable, and ensures the proper sur-roundings for all events associated withfuneral services. Features include state-of-the-art audiovisual systems, an onsite crematory,multiple gathering areas and a refreshmentcenter. Our doors are open seven days a week,so that we are available to you when you needus.

If you would like to ease your mind about the servicesthat may be required in the future, please visit us at theDunbar Northeast Chapel, 4219 Hardscrabble Road,Columbia, SC 29223; phone (803) 788-6310. It wouldbe our pleasure to proudly show you our facility andanswer any questions you may have.

Meeting Our Community’s Funeral Needsby Kristin Jewell, Director, Dunbar Northeast Chapel


services

Through the years,Dunbar’s inspirationhas been “to do theright thing at the righttime in the rightway…to be satisfiedwith nothing short ofperfection.”


services

Lighting The Area’sFinest Homes

Design | Installation | Service

LightscapesElegant Landscape Lighting

Call 803-699-7332 to schedule a free home demo and see yourhome in a whole new light!

Serving Aiken, Augusta, Columbia & Florence

Amazing LemonsThe citrus smell of a lemon is refreshingand invigorating. Lemons are acidic andcan provide some antibacterial and antiseptic properties for cleaning.Clean copper-bottomed pots and panswith lemon juice. Copper fixtures can alsobenefit from a lemon juice cleaning. Cut alemon in half. Dip it in some salt, and cleanspots from your copper.

Countertop stains can be removed byallowing lemon juice to sit on the stain fora few minutes. Scrub the area with bakingsoda and watch the stains disappear. Don'tleave the lemon juice sitting for too long. It can be powerful stuff.

Lemon rinds can be ground in the garbage disposal to freshen the drain. Hot water with a little lemon poured downa drain will also freshen the drain.

housekeeping.about.com/od/environment/a/lemonscleaning.htm

Kitchens/Bathrooms Custom Cabinets • Hardwood FloorsPainting • Roofing • Decks/Fences

Commercial/Residential Renovations

(803) 917-5755 Jim Evatt [email protected]


services

AQUARIAN POOLSAQUARIAN POOLS7433-1/2 Broad River Rd. • Irmo, SC 29063

www.aquarianpools.com • Since 1970803.732.3636 • 888.732.3636

We care enoughto build better.

Author PresentationsAntiquarian Book Dealers

Book SigningsExhibitors

Book Sales & Appraisals+ More

MAY 14-15, 2011COLUMBIA

METROPOLITANCONVENTION CENTER

Columbia, SC

KEEP UP TO DATE scbookfestival.org

I have found the best articles in The Notebook. Notonly that — I have also gotten some wonderful leadsto place in my file for electricians, plumbers, carpenters, etc. Thanks, Columbia Notebook! Toni Elkins

Kind wordsfrom areader:


Coming this summer, Jim Hudson Lexus ofColumbia is moving! We’ve broken ground onour new state-of-the-art building which isconveniently located off Killian Road and I-77.We’ll provide the same great service, alongwith a first-class facility. Our new location willhave 50,000 square feet located on 6 acres,and it’s all to better serve you.

At Jim Hudson Lexus of Columbia, it’s our mis-sion to provide Columbia, S.C. andsurrounding areas with prestigious, luxurycars from Lexus. From unparalleled customerservice to world-class quality, we implementour high standards every day to meet yourhigh expectations as customers by selling thefinest new and used Lexus cars built. As a cer-tified Elite of Lexus dealer, we go above andbeyond to implement our expertise andexperience to anticipate and assist with yourevery need.

When you bring your vehicle into our Lexusfacility, you can be certain of two things: qual-ity service and certified Lexus parts. Of course,there’s nobody more qualified to install thoseparts than an authorized Lexus service tech-nician who specializes in the maintenanceand repair of Lexus vehicles. Another benefitof maintaining your vehicle at our Lexus facil-ity is that the service is recorded into theLexus National Service History database. Aslong as you have your vehicle serviced atLexus, there will always be a record of whichrepairs have been done and, also important,which repairs still need to be performed.

Our new dealership will house 24 service baysand five service consultant offices to serveour customers even more quickly and effi-ciently. In addition, our service departmentoffers complimentary loaner vehicles so youdon’t have to wait. Can’t get away from theoffice? No problem. We can pick up your carand return it when your service is completed.

Our team is constantly striving to serve ourcustomers at the highest level of service andour new building is designed to enhance thatservice. Our dealership will offer a wide range

of luxury amenities, such as waiting loungesdesigned with comfort and consideration, achildren’s play area, a customer viewing area,complimentary car washes, and free pick-upand delivery service when necessary.

As another way to say “thank you for yourbusiness,” Jim Hudson Lexus of Columbiaoffers complimentary airport shuttle serviceto our local customers flying in and out of theColumbia Metropolitan Airport. Since induc-tion in early 2010, we have had the privilege ofshuttling clients more than 335 times. For thisservice, we try to accommodate each andevery request, minimizing the need for a waitlist.

For 15 years we’ve been supplying the Mid-lands with luxury cars and customer service.That’s not going to change. What will changeis our ability to expand upon our alreadyrenowned service for the greater benefit ofour customers.

There is nothing we take more seriously thanproviding a level of service and sales thatleads to our owners’ satisfaction. Mr. Hudson’stop priority is and always will be customersatisfaction. Whether you are purchasing a caror getting your vehicle repaired, each cus-tomer is handled with care. At Lexus, we workas a team to ensure your experience with us isnever less than excellent. When you visit ournew dealership, you’ll be treated as we wouldtreat a guest in our own home. Shop with usonce and you’ll be a customer for life.

The new home of Jim Hudson Lexus is at 328 Killian Road, off I-77 in Columbia. Call (803) 754-9500 or stop by when you’re in ourneighborhood!

by Katie Kaleita, Jim Hudson Lexus

services

When you bring yourvehicle into our Lexusfacility, you can becertain of two things:quality service and certified Lexus parts.

A New Home for Jim Hudson Lexus

HCI can take the headache out of dealing with your health insurance planand benefits. Your Human Resources Department can put the burden onus to answer any and all employee questions. Also, they can expect us toassist in all the following time-saving and cost-saving ways:

• Installing the health insurance plan and communicating it to your employees

• Assisting with claim problems that employees or employers may have

• Assisting with the addition or deletion of employees

• Guiding you through continuation or COBRA concerns

• Providing a yearly review and market analysis

• Providing online access to your company's entire range of insurance plans

CONTACT US TODAY:David Neider/Levi Strauss1-888-626-6858www.hciamerica.comSkype: HCIAMERICA

the columbia notebook spring summer 2011

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