Coastal Journal

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The Coastal Journal is a monthly publication and is distributed FREEalong the Grand Strand, Surfside Beach, Garden City, Murrells Inlet,

Pawleys Island, Litchfield, Georgetown, and Conway.

All rights reserved. Reproduction of any material, in part or whole, designed by Schaefer Design Studio and appearing within thispublication is strictly prohibited. The Coastal Journal 2009

Volume 4 Issue 5

Articles and Upcoming Events:

Dollars & Sense . . . Tips and Strategies page 5

Why The Giants Went Bust page 5

Metaphysical Workshop

page 6

The Moveable Feast page 6

Planning Underway forFarmers Market in Conway

page 12

History of Memorial Day page 13

843-421-2363 e-mail: [email protected]

View The Coastal Journal on-line:www.coastaljournal.scClick on individual ads to go directly to our advertisers websites.

PUBLISHER:Schaefer Design Studio

P.O. Box 2221Murrells Inlet, SC 29576

GRAPHIC PRODUCTIONAND EDITING:

Sherrill Shea Schaefer

ADVERTISING ACCOUNTS:Bruce Schaefer

PHOTOGRAPHY:Bruce Schaefer

CONTRIBUTING WRITERSAND SUBMITTED EVENTS:

Dick Brown - Pawleys IslandLinda Ketron - Litchfield

Blake Lanford - Conway/Myrtle BeachDavid X. Ognek - Surfside Beach

Bruce & Shea

C O V E R F E A T U R E

28th AnnualLittle River

Blue Crab FestivalSaturday, May 16th &Sunday, May 17th, 2009

Hours: Saturday 9am - 7pm &Sunday 9am - 6pm

Located in Little River, South Carolina, the Blue Crab Festival is one of the largest festivals in thesoutheast. Prior to the actual festival on May 16th & 17th, additional excitement will be generat-

ed through the following events: Festival Queen Pageant, 5K Run, Motorcycle Poker Run, GolfCart Raffle, and other events. This year's festival will feature approximately 175 arts and craftsvendors, specialty food vendors, tremendous entertainment, and phenomenal children's area.

What began in 1981 as a small waterfront festival has grown into a premier event that draws vis-itors from all over the region. When the Little River Blue Crab Festival began, its main goal wasto bring visitors to the waterfront and support the local restaurants and accommodations. A fewvendors set up under the live oak and a festival was born. Music, more food and arts & crafts wereadded and here we are, twenty eight years later.

For more information call the festival office at843-249-4252 or 843-385-3180

or go on-line to www.bluecrabfestival.org

50% Off The Coastal Journal newspaperis offering 50% off ad prices

for the upcoming June issue.All creative is included; no hidden charges; no contracts required.

This offer applies to black & white ads only.Eighth page ads are not included with this offer; only quarter, half and full page.

This offer is for first time customers placing an ad in our publication.Deadline to place your ad is May 15th.


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A note to readers: I have made substantial changes to my practice. I am no longer registered tosell securities or licensed to sell insurance products. I continue to be a very active investor, finan-cial coach and trainer. These articles are based on my training, experience and continuingresearch.

Folks who have read this column regularly know I am a proponent of annuities, both fixed andvariable. If annuities are suitable for your personal circumstances I believe they are one of thebest financial vehicles available. IF you choose the right annuity and IF it meets your needs. Asthe saying goes: Anyone can wear a size 60 raincoat, but how many will it fit? There are manyannuity companies and annuities to choose from.

Considering the damage done to retirement savings and investments annuities may be a valu-able vehicle to help folks recover and provide for the future. Today we will focus on fixed annu-ities. Annuities continue to evolve to meet investor demands. No longer is the plain vanilla annu-ity the only kid on the block. Today we have Equity Indexed Annuities, Deferred Annuities,Guaranteed Maturity Annuities amongst others. Some annuity features are simple and straight-forward; others are more complicated and require greater understanding. All annuity guaranteesare based on the ability of the annuity company to meet them. It is essential before investing inan annuity you investigate the soundness of the annuity company. Some sources forinsurance/annuity company ratings are AM Best and Standard and Poors.

The positives of fixed annuities are they are guaranteed, can provide regular income and protect

and grow principal. Annuities allow folks to guarantee they will receive a certain amount ofincome, for a certain period of ti me, at some point in the future. Annuity owners are able to choosethe amount of income they desire and how much they are willing to put toward it.

The negatives of fixed annuities are they range from simple (i.e., Immediate Annuities) to com-plex (i.e., Equity Index Annuities). They may also carry significant surrender charges if more thancertain amounts are withdrawn. Annuitization options (annuitization is when you begin to receiveregular payments) can be confusing so careful consideration of them is necessary.

How might annuities be used in a retirement portfolio? The standard advice is to withdraw nomore than 4% a year from a retirement portfolio. One strategy is to purchase an immediate annu-ity that will provide a portion of the 4% withdrawal and use the returns of the remaining balanceto fund the rest. In my experience folks often feel more comfortable if they are receiving a regu-lar paycheck and not relying solely on their savings and investment returns to fund their retire-ment. There are options available to ensure payment of an annuity for a certain period of time, 10years for instance, and not based on life expectancy of the annuitant.

What if a person feels comfortable now but is worried about meeting future living expenses? Astrategy would be to purchase a deferred income annuity. This annuity would credit interest to theprincipal every year, allowing it to grow in a tax-favored environment, and then begin making reg-ular payments of a predetermined amount in the future. The tax-deferred growth is an option notto be overlooked if you have taxable savings or i nvestment accounts (taxes are paid on earningswhen they are withdrawn).

Why The Giants Went Bust!The PC Revolution

- An Anarchists Journal -This new book reveals the true, inside story of the PC Revolution. It exposes the people andevents that engineered the most brutal upheaval in the history of the computer industry.

Everything started with a tiny revolution announced on the cover of a popular magazine, featur-ing a new kind of computer. This personal computer was manufactured by a near-bankrupt,obscure company in Albuquerque, New Mexico. When it ended, giant corporations such as DEC,DG and Wang were out of business.

Whether such spectacular business failures are the minicomputer manufacturers of the 80s orthe headline-makers of 2009, the mistakes and hubris are very similar. Myopia, along with thefalse security that nothing can possibly go wrong, often signal the last-farewell of these andcountless other ventures. Quotes from the computer CEOs of the 80s are remarkably similar tothose emanating from Detroit and Wall Street today.

Readers can learn by these mistakes-of-the-past and learn to survive today while also enjoyinga fast-moving, entertaining book. Further, many South Carolina companies yearn to emerge andmimic the successes of those from Silicon Valley. Understanding the dynamics of high-tech and

the history of computers and PCs is a good place to start.

The author, Dick Brown, was a key participant in the revolution and saw the rise of AppleComputer and IBMs PC along with the fall of existing minicomputer giants multi-billion dollarcompanies that dominated their market segments.

The book is published by American World (AW). Dick Brown is the President of American World.His career spans the emergence of modern computers. He knew all the PC revolutionaries andlived with them throughout this major insurrection. Also, he was once cited as one of the 32 mostinfluential people in the PC i ndustry. After years at Bostons Route 128 and Californias SiliconValley Dick now lives in Pawleys Island, SC.

American World publishes books and articles relating to computers and maintains an active con-sulting business serving entrepreneurs and those organizations that fund them.

The book is available as an eBook from AW at http://amerwld.com/ for an introductory price of$14.75 (usually $24.95). The book is an electronic file of 144, 8 1/2 x 11 pages, ZIP-compressed,written in MS/Word. Our web site also contains an array of background information.

One of the fun features of AWs web page is a feature called Take the PC Quiz. Budding entre-preneurs can click on this link and see how much they already know about this most turbulent andpivotal period in American history.

American World - The Entrepreneurs Company245 Egret Run Lane, Unit 1012 Pawleys Island, SC 29585

Tele: 843-237-9802 Fax: 843-237-9334

If you have any questions or comments, just contact [email protected] or [email protected]

Dick Brown first achievednational prominence asFounder and President of theComputer Store. He was rec-ognized as a leader in the per-sonal computer and resellermarkets, hardware and soft-ware, and was once selectedas one of the 25 most influen-tial people in the PC industry.

He is now Founder andPresident of American World, a

publishing and consulting company. AW publishesbooks and articles about the PC Revolution and thepeople that made it happen. Our consulting activitiesspecialize in working with entrepreneurs to raisemoney and to provide support services. AW alsowrites professional business plans, complete with real-istic financial forecasts, valuation models and t he com-plete modeling of a venture by "running your businesson paper".

AW brings clients over 35 years experience with "realworld" ventures coupled with senior sales and man-agement positions in the computer and high techindustry.

Dick also has strong financial and business experience and he has raised several million dollars. He has been the featuredspeaker at high-tech industry events such as COMDEX, National Computer Conference, Grumman/Cowan/Datamation andthe Asian Business Association seminars. Interviewed many times by local TV, radio and newspapers. A favorite informationsource for industry publications as well as Time and the Wall Street Journal.

Computer Retaili ng Magazine once selected Dick as one of the 32 most influential people in the PC industry. INC. Magazinechose the Computer Store as one of the "Private 100" of the fastest growing companie s in the US. He was also voted"Marketer of the Month" by the American Marketing Association. He was Founder and VP of Sales and Marketing forScanCenters of America. Dick has also held executive management positions at Trident Micro Systems, Genoa Systems,Minuteman Information Systems, Data General Corp., Digital and the Computer Store.


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Metaphysical WorkshopsFor more information contact: Linda Ketron, Coordinator of CLASS

at 843-235-9600 or [email protected]

May 8 CLASS: Full Moon Spiritual Drumming Circle at the Litchfield Exchange.This workshop, led by Gloriana Miller, opens to you the principles and practice of the drumbeat voice in awak-ening of mind and spirit. Because this voice is yours, each participant must bring a small, ceremonial-type drum,

available from local shops. The design (hand-held, leg-supported, with/without beater) is unimportant. Alsooffered June 7. Fri., 6-7:30 PM, $35 plus drum. For more information or to register, visit CLASS in the Chocolate& Coffee House, Litchfield Exchange, 235-9600 or www.classatpawleys.com.

May 16 CLASS: Instructional Drumming at the Litchfield Exchange. Gloriana and CraigMiller present the history and techniques of spiritual drumming. The sound of a drum speaks to us all. A drumcircle absorbs us, releases our bondage, and creates drum-songs that enable our ascending to the vibrationsof the spirit world. The drums voice elevates our inner being and j oins us in our questing for soul self. Pre-req-uisite: Students must have participated in one of the full-moon drumming classes. Sat., 9:30 AM-12:30 PM, $45.For more information or to register, visit CLASS in the Chocolate & Coffee House, Litchfield Exchange, 235-9600 or www.classatpawleys.com.

May 23 CLASS: Spiritual Portals Chakra Enlightenment Workshop atthe Litchfield Exchange. The chakras are an alignment of energy portals in the body that govern a hierarchy ofphysical, emotional and spiritual aspects essential to our soul progress. In this workshop, Gloriana and Craig

Miller will outline the chakra system but focus on three specific chakras: the Heart, the Throat, and the Brow(Third Eye) chakras. We will examine and actively work on these three centers with respect tobalance/imbalance, opening/closing, and cleansing. We will integrate these chakras with the precepts ofkarmic astrology as a means of tuning your life energy and soul path to a more harmonious awareness of high-er spiritual realities. Sat., 9:30 AM-12:30 PM, $45. For more information or to register, visit CLASS in theChocolate & Coffee House, Litchfield Exchange, 235-9600 or www.classatpawleys.com.

June 7 CLASS: Full Moon Spiritual Drumming at the Litchfield Exchange. See May8 entry for details. Sun., 6-7:30 PM, $35+ drum. For more information or to register, visit CLASS in theChocolate & Coffee House, Litchfield Exchange, 235-9600 or www.classatpawleys.com.

PilatesJune 10 July 15: Pilates for Men! Joseph Pilates developed his Method of Contrology over60 years, utilizing his many years of diverse athletic training. Come try Pilates and see why it is an exerciseprogram incorporated into the training of professional football players and golfers. No prior experience required!Wed., 12-12:45 PM, $75. For more information or to register, visit Waccamaw Pilates in the Lacey ChiropracticBuilding, Pawleys Island, 325-4444 or www.waccamawpilates.com.

The Moveable FeastThis popular series of literary luncheons each featuring an exciting author at different Waccamaw Neck restaurants is held every Friday from 11 a.m.

to 1 p.m. The fee is $25 and most feasts are followed by a signing at Litchfield Books at 2 p.m. Reservations are requested by the Wednesday prior to the feast by

visiting the office inside The Chocolate & Coffee House in the Litchfield

Exchange, online (www.classatpawleys.com) or by phone, 235-9600.

MAY 8 - Hal Duvall ( Juniper Road ) at Inlet Affairs. In 1935 in a small southern townstill in the grip of the Great Depression, fourteen-year-old Woodrow Wilson Jones lies about his age to join acrew of axemen. They spend the summer clearing timber for the creation of a lake and a future state park.Wilsons African American neighbor and friend Simeon Bates is part of the crew also. He, like Wilson, is tryingto help support his family during tough times. Using the dialect of the t ime, the book discusses the problems ofpoverty in the segregated South, and the authors memorable characters depict the stark realities of the GreatDepression.

MAY 15 - Michael Malone ( The Four Corners of the Sky ) at Kimbels atWachesaw. The author of Handling Sin and 9 other novels, Emmy award winning head writer for One Life To Live , and subject of fansite Magnificently Malonian joins us with his newest work of fiction: a novel of love,sacrifice, and the inexplicable bonds that hold f amilies together. Michael Malone brings these rich characters tolife as only he can, evoking the unspoken motivations that drive people to define who they are and break outof those bonds when the call of love comes.

MAY 22 - Issac Bailey ( Proud. Black. Southern. But I Still Dont Eat Watermelon in Front of White People ) at Ocean One . Popular Sun News columnist,Issac Bailey has assembled a funny-sad collection of his columns which touch on race, culture and shared her-itage.

MAY 29 - Mindy Friddle ( Secret Keeper ) at Carefree Catering. Set in a smallSouthern town - a land of neglected Confederate monuments, faith-based shopping centers, and overgrown,seedy estates - where a once-grand heirloom garden is covertly rescued, revealing a divided familys secretlives of turmoil and yearning.

JUNE 5 - Patti Callahan Henry ( Driftwood Summer ) at DeBordieu BeachClub. Three sisters - responsible Riley, vivacious Maisy, and fun-loving Adalee - reunite to save the familysbeach-community bookstore. But summer also marks the return of Mack Logan, whose choice of Maisy overRiley years ago destroyed the special closeness between the sisters. All three will be forced to confront the con-flicts that tore them apart and the bounds of love and loyalty that still draw them together.
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Located in the heart of a charming historic fishing village, Spuds Waterfront Diningin Murrells Inlet offers expansive indoor and outdoor dining

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Planning UnderwayFor Farmers Market

in ConwayMarket To Be Located Underneath The

Waccamaw Memorial Bridge In DowntownThe Clemson Extension Service recently convened a taskforce for the purposes of reestablishinga South Carolina Certified Farmers Market in downtown Conway. The taskforce is made up of rep-resentatives from The Conway Chamber of Commerce, Conway Main Street USA, the City ofConway, the Historic District Fine Art Society, downtown business owners and local farmers. Thegoal of this initiative is to relocate the market operations from the Horry County Council on Aging,located on Hwy. 701 North, to underneath the Waccamaw Memorial Bridge.

This is a very exciting project for Conways downtown merchants, as well as our local farmers,said Blake Lanford, Clemson Extension Service. The opportunity to host a Farmers Market indowntown will support local farmers and make high-quality, locally grown produce readily avail-able in Conway. Additionally, by offering a variety of special events surrounding the activities ofthe Farmers Market, we aim to create synergy between the market and our historic downtownbusiness district.

In addition to establishing an organized management structure, the group seeks to expand mar-ket offerings and plan for the sustained operation of a year-round market underneath the bridge.Additionally, long-term planning work will be dedicated to the expansion of market offerings, theintegration of market activities with the downtown business district and the development of per-manent facilities associated with the operation of a year-round market for local agricultural prod-

ucts and value-added amenities.

More information about the market is available by callingBlake Lanford, Clemson Extension Service, at 365-6715, ext. 115

or visit online www.conwaydowntownmarket.blogspot.com.
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The History of Memorial DayMemorial Day, originally called Decoration Day, is a day ofremembrance for those who have died in our nation's serv-ice. There are many stories as to its actual beginnings, withover two dozen cities and towns laying claim to being thebirthplace of Memorial Day. There is also evidence thatorganized women's groups in the South were decoratinggraves before the end of the Civil War: a hymn publishedin 1867, "Kneel Where Our Loves are Sleeping" by Nella L.Sweet carried the dedication "To The Ladies of the South

who are Decorating the Graves of the Confederate Dead"(Source: Duke University's Historic American Sheet Music,1850-1920). While Waterloo N.Y. was officially declared thebirthplace of Memorial Day by President Lyndon Johnsonin May 1966, it's difficult to prove conclusively the origins ofthe day. It is not important who was the very first, what is

important is that Memorial Day was established. Memorial Day is not about division. It is aboutreconciliation; it is about coming together to honor those who gave their all.

Memorial Day was officially proclaimed on 5 May 1868 by General John Logan, national com-mander of the Grand Army of the Republic, in his General Order No. 11, and was first observedon 30 May 1868, when flowers were placed on the graves of Union and Confederate soldiers atArlington National Cemetery. The first state to officially recognize the holiday was New York in1873. By 1890 it was recognized by all of the northern states. The South refused to acknowledgethe day, honoring their dead on separate days until after World War I (when the holiday changedfrom honoring just those who died fighting in the Civil War to honoring Americans who died fight-ing in any war). It is now celebrated in almost every State on the last Monday in May (passed byCongress with the National Holiday Act of 1971 to ensure a three day weekend for Federal holi-days).

Since the late 50's on the Thursday before Memorial Day, the 1,200 soldiers of the 3d U.S.Infantry place small American flags at each of the more than 260,000 gravestones at ArlingtonNational Cemetery. They then patrol 24 hours a day during the weekend to ensure that each flagremains standing. In 1951, the Boy Scouts and Cub Scouts of St. Louis began placing flags onthe 150,000 graves at Jefferson Barracks National Cemetery as an annual Good Turn, a practicethat continues to this day. Beginning in 1998, on the Saturday before the observed day forMemorial Day, the Boys Scouts and Girl Scouts place a candle at each of approximately 15,300grave sites of soldiers buried at Fredericksburg and Spotsylvania National Military Park onMarye's Heights (the Luminaria Program). And in 2004, Washington D.C. held its first MemorialDay parade in over 60 years.

To help re-educate and remind Americans of the true meaning of Memorial Day, the "NationalMoment of Remembrance" resolution was passed on Dec 2000 which asks that at 3 p.m. localtime, for all Americans "To voluntarily and informally observe in their own way a Moment ofremembrance and respect, pausing from whatever they are doing for a moment of silence or lis-tening to 'Taps."

Memorial Day WeekendSat., Sun. & Mon., May 23, 24 & 25

In honor of Memorial Day, Brookgreen Gardens in Murrells Inlet will place flagdecorations at patriotic sculpture and graves of veterans who are buried on

the grounds. Free with garden admission.

Brookgreen Gardens is located on U.S. Hwy. 17For more information call 843-235-6000
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