What random act of kindness has touched your life?

At the credit union, these random acts of kindness are called "LifeSimplified Moments." They are acts of service that go above and beyond the employee's current job duties and responsibilities. It's more than just being nice and holding the door open for someone or pouring coffee in a cup. Random acts of kindness are ways to touch people's lives whether you know them or not. A way to extend the good graces and blessings you've received and "pay it forward" freely without need of attention or payment.

For me, the entire concept is based on my core values. They are extensions of how I feel about my family, the world, and my faith. So, as a friend would say, "I'm done waxing poetic!" All I'm looking for are the examples of how someone has touched your life, which then might serve as an inspiration to others who need a little love right now.

Okay... I'm waiting... don't have all day... I'd better hear from you, or else... (Just practicing my tough talk so my image isn't tarnished - grin.)

Do you have a "splurge" recovery plan?

Too many of us fall off the proverbial budget bandwagon and we give up. Get tough, suck it up, and hop back on. It will be a lot easier for you if you have a "splurge" recovery plan.

In my session on Budget S.M.A.R.T. we discuss many important tips to ensure that your budget works.

1. Do not try to budget every last dollar on your spreadsheet. Leave some room for error. It's like an overdraft protection program. And, you better only use it in times of need. Stay tough, stick to the course and don't let a little loose change eat a hole in your pocket.

2. Have a "splurge" recovery plan. Yep. Everyone has the tendency to splurge at one time or another. Whether it is part of your "lent" commitment, a diet plan, or exercise routine, just know that you may teeter a bit. You just couldn't help buying that new purse. Or, that fishing pole was calling your name. So, what is your plan to get those feet planted firmly on the ground?

Enough of this ... now go to it. Get that budget plan in action and I don't want to see any wasted time. Stay focused and for goodness sake stop letting one little slip mess up your mind. If you need some help, check out these free seminars.

It is Thursday ... time to talk tough with Troy. Please let me know your budget successes, failures, or questions.

P.S. To schedule the Budget S.M.A.R.T. session for a group of folks at your work, school, community, or church event, just let me know. It's free and I'm really funny (grin).

Our stance on financial education

Financial education is a pretty big deal at the credit union. Every year we set increasingly lofty goals for the number of people we hope to reach by way of our free workshops, and every year we wonder if members and the public will come, yet the number of attendees continues to exceed our highest hopes. Something must be clicking. Last year, 5,738 people attended at least one of our free financial education workshops. If this is the first time you’ve heard about the program, then you should know:

• We provide group seminars at no cost to you, in a location convenient for you.
• Speakers can deliver financial education workshops on a variety of topics.
• Workshops can be tailored to groups of virtually any age or area of financial interest.

These days, rarely a week goes by without South Carolina Federal representatives being out and about in your community to present a free workshop. We’re at schools, churches, places of work, public libraries, civic group meetings, Chambers of Commerce and more.

To find out our next destination and select a topic you might want to learn more about, visit our schedule of free financial workshops at scfedseminars.org. If you’re part of an organization, classroom or company that could use a free financial education workshop, simply let us know. We’re waiting for your email at financialeducation@scfederal.org. We also have a financial education hotline to take your requests at 843-569-5631 (Charleston) or 800-845-0432, ext. 5631 (Nationwide). Or maybe you've got an idea for a topic we haven’t tackled yet? We’ll design a workshop around your needs. The email address and phone number above accept great ideas, too!

Let’s start the discussion now. What free workshop(s) do you think we should offer?

 

Does this credit card stuff make you feel like taking a nap?

So, does all this mumbo-jumbo about the Credit Card Accountability, Responsibility and Disclosure Act (CARD) make you think, "I don't need all this hassle. Ahhh, maybe I should just put my cards away and take a nap!" Well this is one time you don't want to be caught sleeping on the job. Many of the changes are simple and easy to understand, and your friends here at the credit union have posted some handy-dandy info online.

My plastic and I are tight. Just this weekend we went to dinner, the movies, bought some shorts (I'm a shorts and flippies kinda guy), and treated my wife to some new nails (she loved that surprise). I use my debit and credit card all the time. As a matter of fact I have the same box of checks since moving here in 2005.

When I use my credit card ... I pay it back. If not all at once, then I do not extend my purchases beyond a three to four month window. Just love the reward points!

After you've taken some time to read the online scoop, wake up your debit and credit card and get busy. If you are responsible about how these financial tools are used, then you'll never have a "credit" nightmare. Remember what they say, "You snooze. You lose."

Got some tough questions about what you read? I can take 'em. It's Thursday, so get talking with Troy.

Credit card changes are coming

The CARD Act – more formally known as the Credit Card Accountability, Responsibility and Disclosure Act – will take effect February 22, 2010. Our goal this week at SiMPLECENTS is to help you understand these changes and how they will affect you and your credit card(s). 

President Obama signed the CARD Act into effect so it pertains to all financial institutions and card issuers. In fact, changes first were introduced this past summer and next week’s changes kick off phase two of the plan. This article from creditbloggers.com offers a solid overview of the Feb. 22 changes, while this one from February’s issue of Real Simple magazine breaks down how the changes may be to your benefit.     

Stick with us this week as we do our best to shed some light on the subject. Also consider joining us April 20 or 22 at the Charleston County Public Library for our FREE workshop, "Puzzled by Plastic." Registering for your seat is simple when you scroll to the very bottom of this page at scfederal.org.  Have questions we can tackle in the meantime about the new credit card changes? Post a comment for me!

Does the kind of car you drive help control your blood pressure?

This week we're blogging about "heart health." Instead of writing about it medically, I’m going to lay out an issue and then describe how I work through it.

People who drive in the passing lane with no intention of passing gets my heart pumping and my blood boiling!

I mean, where do these folks get these instructions? I was taught that there is a driving and a passing lane. Just because you happen to go the speed limit doesn't mean you get to drive in the passing lane exclusively. Why can't these folks just move over until I pass and then go back until the next "me" comes along?

So then, how does this "heart pumping/blood boiling" topic relate to the kind of car you drive? Well, that’s because "I drive a 'Jesus' car." Now, before you decide to stop reading and start thumping your chest (one way or another), you'll need to know the whole story and how that title came to be.

It was obvious to me and my passengers that some accountability to control my fist pounding, naughty expletives, and erratic hand gestures was needed. So, my wife bought me a license plate. I know there are multiple techniques that could have been used ... but, this one just seemed to fit.

I thought to myself, now how can anyone driving a car with a "Jesus" license plate act as idiotic as I was? Can you image how it would look to have that license plate staring at you through the rear view mirror? You look back and see some out of control driver pounding on the steering wheel and waving his arms with all the animation of someone fighting off a raging beast.

So, if you're driving in Charleston in the passing lane and a car with that license plate approaches you quickly from behind, rest assured that he is now cutting you some grace. He is committed to driving with the intent to save a life, instead of taking it.

It is Thursday ... drive those comments my way. Are you gonna talk tough with Troy, or what? Am I going to have to come out of this seat and .... (oops, guess if I'm going to continue like that, then I'll need another license plate for my computer; now, won't I?)

Put your heart in it

Whether or not you’re a fan of Valentine’s Day, you can’t deny that the imagery of hearts is just about everywhere in the weeks prior to Feb. 14. This year, look upon those red and pink holiday symbols as a reminder to show yourself some love and take better care of your heart. After all, February isn’t just for Cupid; it’s also American Heart Month.

Did you know that heart disease is the number one killer of men and women in the United States, and that there are some very concrete steps you can take to reduce your risk of death from a coronary event?

This Valentine’s Day, set down that box of chocolates and really show love to yourself or someone you care about by putting your heart into it. Schedule an appointment to have your and your loved ones’ heart health checked by a doctor. Commit to one or more healthy practices that can ensure your ticker and that of your family keeps on ticking. And read our SimpleCents blog this week for tips from which you can learn from and personal anecdotes to which you can relate. What heart healthy change(s) will you make?

My first job -- and one that’s much better

My first paying job was in a bagel shop, where I learned several lessons: (A) loyal customers really like their faces and their preferences to be remembered, (B) food service workers generally are an underappreciated lot and (C) apparently, I breathe through my hands because wearing plastic gloves causes me to overheat in seconds.

Far from glamorous, that first job at Chesapeake Bagel Bakery gave me some pretty key insights about life (in terms of Items A and B, at least). In the long run, it made me a better employee because I absorbed a common truth about people wanting to be noticed and appreciated (Item A), and a better person because I experienced the rude behavior that service workers too often endure from their customers (Item B) and vowed never to do that to anyone waiting on me.

A far less “dirty job,” yet one that could teach you or yours oodles of worthwhile lessons about life and work, is open right now at the credit union to someone between the ages of 18-25: 2010 Young & Free South Carolina Spokesperson. While this job lacks the appeal of my bagel gig with its polyester aprons and cream cheese scoops, the one year position with Young & Free SC does offer a salary, benefits and perks, including use of a Toyota Prius and paid gas for a year. In return, we’d ask you not to master the art of the Cheese Melt, but to create, edit and upload video to YouTube, blog, mix with people at events and shed light on financial topics for people your age – even if you’re still learning, too.

Not bad, huh? And you’ll never end your day by mopping a floor with bleach water. Could you or someone you know take this job?

Donate at your credit union for Haiti earthquake relief

This week, especially in light of the devastating media reports and images coming from Haiti, we will focus on the very timely financial subject of charitable and crisis giving. If charitable giving is important to you but you have not yet supported the relief efforts in Haiti, we encourage you to consider committing any financial resources you can, large or small.

South Carolina Federal Credit Union now offers a convenient way for you to address the dire need. It is collecting donations for Water Missions International (WMI), a non-profit based in Charleston, S.C., that designs and deploys water purification systems, and will match funds received, up to $5,000.

Clean drinking water is an especially critical need following natural disasters and is essential to aid emergency relief efforts. WMI provides a life saving service by making unclean water fit for human consumption. Its Living Water Treatment Systems^TM can purify up to 10,000 gallons of water per day, which can meet the needs of 3,000 to 5,000 people.

South Carolina Federal is accepting donations for WMI at all 19 branches throughout the state. Additionally, it will accept checks made out to Water Missions International and sent to:

South Carolina Federal Credit Union

Attn: T. Husser, Marketing Dept.

P.O. Box 190012

N. Charleston, S.C. 29419

We look forward to receiving at least $5,000 in contributions from members, the public, and our fellow credit unions and providing our matching $5,000 contribution to WMI. Thank you in advance for your help.

Can you spare some change for an angel?

Often the little things go unnoticed. Sometimes the simplest of actions bring about the greatest rewards. A very wise man once told me that we reap what we sow and it would be foolish to store up your treasures here on this earth. This advice has worked well for me.

This week, I've been reminded of that sage advice and have decided to help the littlest angels of MUSC, which has meant emptying my pockets and that special jar on the kitchen shelf of all my loose change. 

Previously, in a special blog series for Children's Miracle Network, you were introduced to four of these angels ... Chase, JoJo, Kristin, and Paris. Today, I share with you a fifth. In loving memory of Luke James Sechevich, here is his story.

Luke was diagnosed with high risk Medulloblastoma on January 30, 2006 at age 1-1/2. He underwent multiple operations and many months of chemotherapy and radiation treatments. In March 2007 Luke’s tumor metastasized to his spine and paralyzed him from the waist down. Astonishingly after much hard work and determination by the amazing staff at MUSC, Luke regained the ability to walk.

On January 3, 2008 Luke received his angel wings. For the three wonderful years the Sechevich family was blessed with his presence; Luke was full of life and love.

Luke’s family has started “The Angel Walk” for children facing a devastating diagnosis and in memory of a little boy who left us too soon but whose spirit and smile will always be with us. The money from this event along with other money raised by MUSC Children’s Hospital’s Change Bandits programs goes to fund research and other important needs at the MUSC Children’s Hospital.

Can you find a little change for an angel? Stop by any South Carolina Federal Credit Union branch office and we'll help you get your donation to MUSC.

This is one Thursday, when giving generously is more important than talking tough with Troy.

Donate coins for Change Bandit$

Through the end of January, South Carolina Federal Credit Union will collect coins at all branches in the Charleston area and Georgetown. The purpose is to support the Change Bandit$ coin collection drive for MUSC Children’s Hospital, which conducts research and brings lifesaving medical care to thousands of families with sick children every year. 

With the month more than half over and just a handful of business days left to collect change, our bloggers this week will share some real stories of MUSC’s miracle kids. We hope they inspire you to donate a few coins to the effort next time you visit our branches in the Lowcountry. If you like, you can even ask your teller to take the coins out of your check (i.e., deposit your check for $25.36 as $25, with 36 cents going to Change Bandit$). Use of coin counters in the Lowcountry branches this month is free to members and non-members who donate coins for Change Bandit$. 

Please donate your change - for a lot of little reasons!

Who's your favorite?

Seems like such an innocent question, doesn't it? Okay, if I were to tell you that my favorite color is ...green, my favorite shape is ...heart, my favorite flavor is ...chocolate (just love chocolate cake; don't know why they even bother with that yellow or marble concoction), my favorite Christmas movie is ...White Christmas, or that my favorite team is the ...Pittsburgh Steelers, then you'd probably chime in and tell me your favorites. (Of course, you may be a real sports fanatic and have a definite opinion about my favorite sports selection. This would inevitably lead into a harmless conversation of bantering statistics about players' talents, six Super Bowl wins, the most ever, and stuff like that. Grin.)

Now let's apply that question to people and see where we get. My favorite actor is ...Sean Connery, my favorite dancer was ...Danny Kaye, and my favorite teacher was ...Mrs. Meyers (7th grade Science).

So far so good, but I believe that's because these "favorites" although based on personal preferences, tastes, and interests are quite fairly innocuous in nature. I mean, "Who really cares anyway?"

Now suppose that in your family or your work place one starts to distinguish 'favorites.' Hmmmm. What if grandma says she likes Billy more than Mike? And, that's obvious because she hugs him tighter when greeted, spends more time talking to him when she visits, or asks him for his opinion. Or, how about your sister who says at dinner that she likes Uncle Jack and Aunt Millie better than ...? She even goes so far as to make them a special gift at Christmas, but doesn't do the same for ... Go a step further. The office rumor is that Max is the boss' best buddy. Is it the truth? After all, he always gets the fun projects, is invited to go out after work on Fridays, and is never corrected in front of the staff.

I would suspect that how you feel about these 'favorites' would be very different than the ones discussed about color, taste and sports. But, why? Is it because when a 'favorite' is declared on a neutral topic and based on low-impact discriminating values, then it doesn't really matter? However, when this concept is applied to people like family members or co-workers it becomes ... well, er ... downright personal. Is it possible that those selections were made by comparing and contrasting similarities and differences that could affect how others are treated? Could some of these choices be based on cultural issues? Languages? Body art? Clothing?

For me, that's the danger in forgetting how important diversity is in the public arena. Whether at church, home, school, or work, I must be mindful of how I express my 'favorites' especially when these selections are made with respect to personal similarities or differences. There may be no clear way for me to rid my mind of them, but I can and do have the choice of how I treat others because of them. I believe in people being created equal. I do not believe that we were all created the "same." That's my point ... equal ... just not the same.

Well ... now ... this has been an edgy topic. Do you have stories of how this happened to you, or other family members that you can share? Do you have questions on how best to handle situations like this in the public arena? If so, then talk tough with Troy and get busy with some comments. It is Thursday ... all email lines are open and operators are standing by (that would be operator me, of course.) 

You want a tax tip? Get an IRA!

Okay folks, I'm going to get tough with you on this topic. Not going to soft pedal it. No sales pitch. Just plain, good ol' advice from the good ol' boy, Troy. If you want to make your tax filings easier, then follow my three simple tips: 

1. ...get organized. That means start in January, not December. However, if you waited until the end of the year to put your affairs in order, pat yourself on the back for at least getting it done. And, don't let yourself get sloppy after you file, because you're gonna hate it when the process comes around again and you don't know where stuff is for the next year. Yeah, in case you didn't notice there is a cycle here and tax day is the same every year, so it shouldn't just sneak up on you and come as a big surprise.
2. ...get an online service, i.e. Turbo Tax, HR Block, etc. and follow the prompts. Unless you are a multi-millionaire (safe bet you're not reading this blog), your tax filing is not that complicated and you'll find these programs will give all the support you need to "get 'er done." BTW... they keep your info on file from year to year, which makes the next time you use them even easier.
3. ...get an individual retirement account (IRA). It is not joint. It is called ‘individual’ for a reason. Plan now for your future and you might be surprised how much of a tax break you can get. (Note to self: you can open a 2009 IRA or make a 2009 contribution to an existing IRA from now through April 15, 2010. Be sure to let the processing agent know that it is for 2009 or it will be classified as 2010. Also, if you don't know that much about the subject, then get an IRA education and attend a free seminar. And, you can check out my blog posting on Roth IRA.)

So, how important is it that you have a plan for your future? My wife and I refused to lend our adult son or daughter money until they started IRAs. If they were not willing to invest in their future, then we were not going to make it easy for them now. They each started with $25 dollars in an IRA savings and set up an automatic transfer from checking to the IRA savings on each payday. Once the IRA savings balance reached $500, they transferred it from the IRA savings to an IRA CD to earn a higher interest rate.

Here's a Million Dollar tip we told 'em, "At 20, put away $2,000 a year for the next 16 years and retire a millionaire!" Just wish I had gotten that tip when I was 20.

It's your turn now. Hit that "comment" button and fire away. I can take it. You can always talk tough with Troy on Thursday ... or any day for that matter.

The early bird gets...

The worm, right? Nearly everyone knows that saying. It just so happens to apply aptly to our discussion topic for this week: IRAs (Individual Retirement Accounts) and taxes. These may not be the most exciting subjects but hey, it’s a new year: time to take stock and be accountable for improving your life in the next 12 months and beyond. When it comes to IRAs and taxes, staying mindful of the old adage about the super punctual bird will take you far. It behooves you to start now on both fronts and here’s why:

When it comes to IRAs - Quite simply, the earlier in your life that you start to save in a Roth IRA, the richer you will be. Earnings in a Roth IRA accumulate tax free and time is on your side in this process. In addition, the earlier in the year that you join the IRA party, the better. You have until April 15, 2010, to make a qualifying contribution for 2009. Rather than restating what’s been explained so eloquently before, I refer you to this great resource to learn more about IRAs. There are also some changes in store for IRAs in 2010 that you might want to review. If you remember nothing else, simply realize that you should start an IRA now.

When it comes to preparing your taxes - Ah, April 15: a date that inspires dread in the hearts of many. On some level, everyone knows it’s wise to start one’s taxes as soon as all W-2s have been received (By law, employers are required to submit W-2s to their employees by Jan. 31), but how many seize the day? In 2010, your tax return must be postmarked no later than April 15, or sent no later than that date if you're filing electronically in order to avoid penalties.

Spare yourself some stress this year and commit to start your taxes as soon as possible. While waiting for your W-2s, gather receipts for your medical expenses and charitable contributions so you’ll be prepared with info for qualifying deductions. Be an early bird and you can enjoy all the beauty of Spring when it arrives and merely shake your head in pity for all the folks who are trapped inside doing their taxes at the eleventh hour. I think this early bird thing has some merit. Who’s with me?

Does "older" and "SMARTer" still go together?

There are days when I ask myself that very question. One thing for sure ... I'm definitely getting 'older.'  But, am I getting "SMARTer"? Suppose I'll just have to leave that answer to my family, friends, and avid blog followers who know me the best. For the rest of you (that I have totally fooled) you will be amazed at how 'smart' I am.

All kidding aside, wife and I have created a little process that works well for us when it comes to setting goals with the family. We focus on spiritual, financial, and physical ... the mind, body, and soul.

For us, beginning with the spiritual lays the groundwork for priorities and substance. From there we focus on the financial aspect of running the family by preparing for what we expect will be the coming year's immediate needs and what we think will affect us in the next two to three. After that, the rest falls into place. 

Here are five steps to setting SMART family goals ... in the hallway.

• Stay focused on what matters the most to you and your family. Think big and dream bigger.
• Make setting goals a fun activity with the family. The key words are 'fun activity' and 'with the family.' These are not just mom and dad's goals that are shoved down to the kids, but rather an excellent opportunity for teaching about mutual respect and give & take.
• Adorn your goals on poster board and have everyone draw pictures of what the completed goals will look like when achieved. (You'll be amazed at all the creativity.)
• Realize that each family member is motivated differently, so make sure to include something of importance for all.
• Trim the goal list to just a handful of really, really, important ones. These are the goals that must be done no matter what. It is easy to help keep yourself and your kids on track if you set up these boundaries in the beginning. Then later in the year when someone wants to do or buy something that will take away resources from the primary goals, you have a practical and reasonable starting point for the discussion that is based on fact and not 'just because you said so.'

Now to wrap this up, you will need to keep track of your progress and update your poster when progress is made or at least monthly. It would be a good idea to do a quick monthly recap as part of a family night activity. Make sure the goal poster is displayed where everyone can see it, such as on a wall in the laundry or mud room, maybe near a family desk that serves as a place for school work or study, or on the back of the door to that central closet that everyone uses to store umbrellas, shoes, and flippies.

Okay ... so now the older has given you tips for a SMART family in the coming year. Go forth, my followers, and be wiser. Seriously, let me know how it goes and don't be shy about asking me how to help make this work for your family. After all, it is Thursday and time to talk tough with Troy.

Is a Roth IRA part of your New Year's resolution?

With each year comes its share of New Year's resolutions. If you are considering the topic of financial matters, then take note of the changes affecting Roth IRAs. Starting in 2010, anyone who has a traditional IRA or a traditional Qualified Retirement Plan (QRP) can convert money from these plans to a Roth IRA, regardless of income and filing status.

Before looking at the "special tax rules that apply in 2010," let's revisit the basics of a Roth IRA. It is similar to other Individual Retirement Account plans in many ways; however, a few very significant differences make it the most popular IRA type since it was established in 1997.

Some benefits to consider:

1. As long as you have earned income there is no age limit on contributions.
2. Even though you contribute to the account with your after-tax dollars, withdrawing your regular contributions are always tax free and penalty free.
3. Roth IRA owners may potentially withdraw the earnings tax-free. You must have a qualified distribution, which means you must have had the Roth account for five years AND have a qualified reason. The most common qualified reason is the owner has reached 59 ½. In other words, you will never pay any taxes on earnings that your IRA fund will generate after turning 59 and a half as long as you’ve had the account for five years.
4. Unlike the Traditional IRA, there is no Required Minimum Distribution once the owner turns 70 ½. This feature allows passing on more savings to your beneficiaries if you wish to do so.

Special tax rules apply to 2010 conversions

The taxable portion of IRA and QRP conversions is normally subject to income tax in the year the money leaves the traditional IRA or QRP, but special tax rules apply to 2010 conversions. Unless the participant elects otherwise, the taxable income resulting from a 2010 distribution as part of Roth conversion is not subject to tax in 2010; and instead one-half will be taxed in 2011 and one-half in 2012.

For example, if Steven converts his traditional IRA with a value of $50,000 to a Roth IRA in 2010, he will not add the taxable income resulting from the conversion to his taxable income for 2010. Assuming that he did not have a traditional IRA basis, he will add $25,000 (half the taxable income) to his income for 2011 and $25,000 (the other half of the taxable income) to his income for 2012.

After reading this blog posting you may have some questions, so please feel free to use the 'comment' option at the end of this posting, or send your questions to me directly at thall@scfederal.org. Please do not include any member data when you comment or e-mail using this link as these are not secured lines of communication. If you have member specific questions, please direct them to 843-797-8300, or use the "Secure Chat/Email" options online. Also, you may consider contacting a representative from Members Financial Services or a tax professional for advice.

Sources include: http://invest-faq.com/cbc/ret-plan-roth-ira.html, http://www.howmuchanswers.com/investing/ira/31.htm and New Rules in Place for Roth Conversions Starting in 2010 by Dennis, Zuehlke, Compliance Manger, Ascensus IRA Services

Are you a "change victim" or a "change agent"?

"Great, put the responsibility on me. I'm not the one that changed things around here. Why do people always mess up a good thing? Oh, it's not that I'm opposed to the new way of doing it; I just hate change."

If any of these sound remotely familiar, then you have identified yourself as a "change victim." Pointedly, it means that you view change as something done to you; that you are powerless over the change and must now comply or die. (Well, maybe not really 'die.' More like assume a fetal position and if you lie still long enough, it might go away.)

Then there are those who embrace change. They seem to do well even when the status quo is no longer just that. These folks have one thing in common ... positive attitude. So, if you want to be a positive "change agent" then follow Troy's five simple rules:

1. Make a list of items that you think might change within the next one to five years. For instance, your list might include: retirement, moving, new job, health care, or how you'll take care of aging parents.
2. Consider all the positive aspects relating to the "change" you anticipate. Ask yourself, "What is my new future and what are all the exciting possibilities that are now available?"
3. Decide who you will be when the change occurs. (Yep, this is the time for you optimists to really shine.) How you approach anything that "changes" will impact your environment, communication, and possibly your health. Realistically, you have more control over this than you realize. And, the biggest part of it is how you think about change.
4. Stop allowing every "change" conversation to take away your joy. Get real ... you enjoy change more than you'll admit. If not, then you wouldn't even be reading this blog. You'd still be drawing pictures in the sand with a stick while sitting around a fire.
5. Become part of the "change" before it happens. Make a plan.

A recent 'change' situation for me resulted because my parents are aging (duh moment). There was a good chance they would live well beyond the normal life expectancy because of our family history. About seven years ago I began challenging mom and dad (aka Fanny and Slim) to think about what life would be like if they would get ill, or need assistance moving around. What would their living arrangements be like? Who would care for them? If they could create the perfect situation, what would it be? I will admit it was an exhaustive exercise, but one that would prove useful.

After living a relatively ill-free life, my mom was diagnosed with Parkinson's Disease in 2004. Change happened. Her conditioned continued to worsen and in the spring of 2008, she and dad decided to move in with us along with my son and his two kids (that's another "change" story in itself.) My wife and I had mentally prepared ourselves for the change. We had made mental and physical arrangements for the day when this would become a reality. Once it became real to my parents, the rest was a matter of executing a plan. Fanny and Slim living with us did not even seem like "change," but more of a way of life. It is in fact (as many of you know) the beginning of www.lifeinthehallway.com.

No matter whether you are an "Oscar the Grouch," or a "Pollyanna" wanna-be, now is the time to write your "Dear Troy" comments and let me know what change is like for you. Come on, don't be shy, hit that 'comment' button and let it rip. In case you've forgotten ... it's Thursday and time to talk tough with Troy.

Can you just RSVP for heaven's sake?

When asked recently if I could write about how to simplify one's life during the holidays, my thoughts were all over the place. Finally settling down, it occurred to me that at this time of year people will be doing a lot of entertaining and some of these events will require an invite. The host needs a headcount to assist with proper planning, and what better way to be sure of who is attending then to ask the invitees.

Of course, the host could simply call everyone on the guest list and find out who is coming or not. But, that is time consuming and could require more effort than the party. On the other hand, some hosts have even tried to make it simple by letting the invitee off the 'response' hook by indicating that a response is only needed IF not showing up. Yep, we know how that turns out.

Now, what is the deal with folks who simply do not find the time to RSVP for an event? Is it because they want to keep their options open? Don't want to look bad if he replied he was coming and then didn't? Want to make sure something better doesn't come along? Can't make up their mind?

Having recently been the father-of-the-bride, I can attest to the lack of "Répondez s'il vous plaît" that exists. Let's face it, the wedding invitations went to people we supposedly knew - for crying out loud. I can get it if the invitations had been randomly selected by opening the Yellow Pages (that is if I had that book anymore) and running my finger down the page until it stopped.

Yikes! Gimme a break. Can anyone out there 'esplain it to Ricky?' What is so hard about putting an "X" or a "number" on a card and returning it? And, I don't want to hear any wimpy little excuses that e-mail or texting would have been easier. For heaven's sake, the envelope was already pre-stamped!

So, if you want to simplify holiday parties this year, use the 70-30 rule. Invite 10 and 7 will show up. Skip the RSVP; eliminate the stress; chill out. In fact, why not just send out the invite with a line through a big red circle? That will let the person know you thought of them but figured out they would be too busy to attend, so you automatically withdrew their name from the list. Come to think of it, you could do that for everyone on the list and skip the party altogether. Just kick back and relax. Aha! A life simplified moment for you.

Feel free to share your response if you'd like. I can take it, 'cause on Thursday you get to talk tough with Troy.

K.I.S.S. for the holidays!

Once the Thanksgiving feast becomes the stuff of sandwiches and soup, the holiday season officially begins. (Welcome!) It also ushers in an ideal opportunity to reflect on the wisdom of the K.I.S.S. formula.

Wikipedia tells us K.I.S.S. “is a modern acronym for the empirical principle, ‘Keep It Short and Simple,’ or the more recent and disparaging ‘Keep It Simple, Stupid.’” Whichever phrasing resonates most with you, the important thing is to take heed and keep your wits about you during this busy time. Simplify your life this holiday season by identifying sources of distress, be they related to money, relationships, health, or something else, and do what you can to minimize the mess. K.I.S.S. for the holidays!

This week, our bloggers will describe some of the things that ruffled their holiday feathers until they figured out crafty ways to K.I.S.S. After all, our mission at the credit union is to do all we can to simplify your life, so let our words be your mistletoe and K.I.S.S. away!

What tactics do you and/or your family put in place to K.I.S.S. during the holidays?

Credit unions vs. banks

It's rivalry week here at SiMPLECENTS, so we'll begin with a subject close to our hearts: credit unions vs. banks. For your consideration today: the fact that two things can be similar without being the same. If you’re a die-hard Clemson fan, for example, you probably don’t sport garnet and black on game day because you figure school colors are school colors. If you’re a “dog person,” you probably don’t profess love for cats because “it’s a pet, right?, so same difference?” Like the examples above, credit unions and banks are apples and oranges.  Both are financial institutions but they are unique as possible in terms of their operating philosophies and goals. 

1.  Credit unions are not-for-profit; banks are for profit. Credit unions are financial cooperatives. Members pool their savings to provide reasonably priced products and services to one another.  A credit union’s earnings return directly to members in the form of loans and rate and fee benefits, instead of ending up in some stockholder’s wallet. On that note... 

2.  Credit unions are owned and operated by the people who use its services; banks are run by stockholders. (This gets to the crux of why credit unions use the term “member,” while banks have “customers.”) Every credit union member is an equal owner of the institution and every member has a say in the how the credit union is run, because membership includes the right to elect fellow members to the credit union’s volunteer board of directors. Unlike bank stockholders, who are driven by profit motive, credit union volunteers make decisions based on what it best for the entire membership. 

3.  The NCUA insures credit unions; the FDIC insures banks. Both the National Credit Union Administration (NCUA) and Federal Deposit Insurance Corp. (FDIC) are agencies of the U.S. government and both guarantee deposits and IRAs up to $250k through Dec. 31, 2013. And of course, South Carolina Federal Credit Union is fully insured by the NCUA. (Take this opportunity to ditch any banks or credit unions that hold your money if one of these federal institutions does not insure them.) Here’s more on this subject.

4.  Credit unions serve a passionate social purpose because it’s part of our reason for being; banks give back because U.S. federal law requires it.  The guiding philosophy of the credit union industry always has been “not for profit, not for charity, but for service.” It’s why we reach out to people and communities of modest means and the underserved, and it’s why we offer free financial education workshops and volunteer in our communities. 

So next time you're about to utter the phrase, “South Carolina Federal is my bank,” you may want to take deliberate pride in saying, instead, that it’s your credit union. What about credit unions brought you into the fold?

Give thanks by giving back

There’s certainly nothing wrong with eating yourself silly and lazing away the night watching football on Thanksgiving, but if you’re grateful for anything at all this year, consider making more of the holiday. Honor your gratitude by considering ways you can give back. Some social action can be accomplished that day. For other works, you might simply make a commitment on Nov. 26 to follow through in days ahead. For instance, you could: 

• Volunteer at a soup kitchen or shelter. 
• Invite elderly, widowed or stranded college students to share your Thanksgiving feast. 
• Dole out random acts of kindness.
• Contact a local tree farm about donating a Christmas tree to a nursing home, homeless shelter or less fortunate family. 
• Become an advocate. Contact your legislators on issues close to your heart. 
• Go through your closets for items to donate to a crisis center.

Respected community service organizations can help you find a project or cause that resonates with you. Contact United Way, Feeding America Food Bank, the American Red Cross, Salvation Army or Habitat for Humanity, among others, to learn more about their missions and goals and see if they are a fit for you. Or visit sciway.net for the websites of statewide and regional community organizations you might like to support with your time and talents. 

On Thanksgiving Day, make sure your family or loved ones know for whom and what you are thankful. You could become a living example of gratitude by giving from whatever blessings you have to bring blessings to others. As our bloggers this week reveal what they are thankful for this Thanksgiving, will you help kick off the theme by telling us where your gratitude lies?

Who is my hero?

Main Entry: he·ro

Pronunciation: \ˈhir-(ˌ)ō\

Function: noun

Etymology: Latin heros, from Greek hērōs

Date: 14th century

1 a : a mythological or legendary figure often of divine descent endowed with great strength or ability b : an illustrious warrior c : a man admired for his achievements and noble qualities d : one that shows great courage

Before beginning my blog today, I wanted to see how Webster had defined a "hero." I must admit that the first definition took me just a little bit by surprise. It never occurred to me that a "hero" was first thought of as a figure that existed in stories long ago. My "hero" is my dad, Troy a/k/a Slim a/k/a fuzzball.

Slim served in World War II from 1945 until December 1946. He was stationed at Okinawa, Japan. Slim has many stories about his experience. They contain vivid images of being chased, bombs exploding, and the faces of death spread about the ground around him. But, the ones that involve him using force to protect his life are very private.

I sometimes forget just how real this experience was for dad. One of the stories that caught my attention as a young lad was when he spoke about receiving orders to get on a plane and head to a new assignment. It was a cold, rainy day and the plane had been delayed for several hours. My dad was so fatigued that he fell asleep in a dry corner of the airport. To his surprise when he awoke, the plane had left without him. The bigger surprise is that the plane never made it to its final destination. Had my dad not fallen asleep, this blog would not have been written ... at least certainly not by me.

Take a moment this week and be sure to acknowledge a Veteran for the service they are giving, gave, or about to be given. Be thankful this Thursday and tell me who is your "hero" and what story do you have to share.  

Honored to serve those who serve(d)

This Wednesday, Nov. 11, South Carolina Federal Credit Union will be closed in honor of Veterans Day. While our employees, like many Americans, look forward to the mid-week break, Veterans Day is more than just a holiday for the credit union, since we have a long history of service to and affiliation with our military.

Did you know South Carolina Federal originated as the Navy Yard Employees Credit Union in 1936? Picture our 14 founding fathers, who worked maintaining Navy ships, seated at a table in the Shipyard cafeteria. Each one contributed $5 (equivalent to about $76 today) because he believed in what credit unions stand for: ethics, cooperation, member focus and community mindedness. The result was formation of a credit union that promoted thrift and offered credit at affordable rates.

Seventy-three years later in 2009, the credit union’s connection to our armed forces remains strong. We count numerous service men and women among our membership, volunteer leaders and employees. In fact, last week at South Carolina Federal, 231 employees responded to a poll that asked whether they or at least one family member had served in a branch of the armed services and 88 percent replied in the affirmative.

If you are a veteran, or someone special to you has served or presently is on active duty, we thank you for your sacrifice to the greater good. Veterans Day is a celebration we’ll honor proudly this week. How will you mark the day?

Maiden or Married?

This edition of 'Thursday talk back with Troy' is being hosted by my colleague, Sara E. Watercutter, Product Manager in the Marketing Department.

From Sara ...

Getting married is such an exciting time. “Two become one ... one journey ... one family ... one name. For many women the most outwardly expressed symbol of this unification (next to wearing wedding bands) is changing her last name. I had to ask myself:

• Do I buck tradition and keep my maiden name?
• Should my last name become my middle name?
• Should I hyphenate my middle, maiden, and/or new last name? Or some combination?
• If I do change my maiden name, what steps are involved.

As a firm believer in the value of tradition I have decided to use my first and middle names along with his last name. Later this month, I will officially become ... Sara Elizabeth Ginthner. Each and every time I sign for a debit card purchase, see my name on my driver's license, or introduce myself there will be that outward reminder of the lifelong commitment forging my life with his.

After making this choice, I have since come to understand that changing my name is going to be a little more overwhelming than originally thought. There are a lot of rules and processes that need to be followed and handled. My 'pre and post wedding' to-do list looks something like this:

1. Give my employer a head’s up so business cards and email address changes may be started.
2. Make your honeymoon reservations using your MAIDEN name so that your passport, driver’s license and plane tickets all match.
3. Get a new social security card – Do this before you attempt to change your name anywhere else.
4. Apply for a new drivers license –bring a copy of your marriage license and your new social security card to the DMV.
5. Change your Passport – You may either wait for renewal and fly internationally under you maiden name or apply to have it reissued.
6. Update car title,  insurances (auto/home/health/life), and financial account information. Note: getting married qualifies as a “major life event” and is a good time to reevaluate your health insurance policy.

*******

A special thank you to Sara for putting this posting together in the midst of such a hectic schedule. She included some personal insight as well as some good 'to-do' steps (for the before and after 'I do' part).

Now, it's your chance to comment. No changes here ... post your thoughts or additions to Sara’s list, because after all ... it is Thursday and time to talk back with Troy.

Switching up our playlist

There’s a certain radio station in town (that shall remain nameless), which plays the same 8-10 songs over and over again. The music is good but I get more than a little antsy with the station’s limited playlist. I keep thinking they should shake things up already and offer something new and different for a change.

Your Simple Cents bloggers have taken a note from said nameless radio station and passed the torch to some new voices this week. Variety is the spice of life, after all! We hope you get some energy from their fresh perspectives and enjoy talking with them. Please welcome our fellow credit union colleagues to the blogosphere. Bridget, Sara, Thetyka and Corey will take it from here!

So, if you could designate the next guest blogger(s) at South Carolina Federal, whose posts would you be most interested to read -- and why?

Are you the 'U' in CommUnity?

My fellow bloggers and teammates have been sharing numerous opportunities for folks to get involved in community activities and events. These are large, corporate events that support wide-spread programs that benefit people all over the Lowcountry.

Today, I'd like to offer you a chance to look at commUnity involvement with a little different perspective. Having read my previous blogs on the Children's Miracle Network and the Backpack Buddies program you know first hand that I am an 'involved-kinda-guy' and, like you, get a good feeling at the end of the day when someone else has been helped. 

Aha, my question for you to consider is: "Are you the 'U' in CommUnity?

I know it sounds like some clever marketing slogan, but don't dismiss it just yet. What I'm asking is do you get involved in your local community? I mean are you involved in your kids PTA, or the Neighborhood Crime Watch program? Do you volunteer to help organize social activities within your block of the street? Have you taken your kids around the neighborhood with a trash bag and picked up liter?

The bottom line for me ... look for the little ways you can make a difference. Sometimes we get so wrapped up in helping the bigger-than-life cause that we forget our backyard. Challenge yourself to find a balance. Decide today that you want to host the next neighborhood "Hawaiian" block party. Don't let a small challenge like 'I don't live on a cul-de-sac' stop you. Host it in your driveway. Trust me the sound of music and smell of good, home-cooked food is a winning combination.

So, hey "U's" out there ... I want to hear how you get involved in your part of the community. It's Thursday and time for ya'll (there I said it) to talk back with Troy.

The lowcountry “shines” this weekend

As you can see from Kimberly’s and Crissy’s posts earlier this week, there’s a lot to like and do in the lowcountry this time of year. Another event you may not want to miss this coming weekend is ShineFest Charleston at Joe Riley Stadium.

Shinefest is a daylong music festival featuring a wide variety of musical talent. Performers include nationally recognized musicians Blues Traveler, the Wailers (remember Bob Marley and the Wailers?) to lowcountry bands Gaslight Street and the Blue Dogs. There’s certainly something for everyone at this years’ ShineFest.

What you may not know is that 100% of the proceeds from ShineFest go to the Charleston County School District and the Trip Page Endowment Scholarship at the Citadel.

Finally, if you were at the Young & Free South Carolina Battle of the Bands last Thursday at the Wild Wing Café in Mount Pleasant you saw the WhisperJets take the title of Last Band Standing. As the top-scoring act, the Whisperjets won the cash prize and a spot on the schedule at this Saturdays’ ShineFest.

A wide variety of music, a good location, and a great cause. Seems like just the right mix for another fun fall day in the lowcountry. Hope to see you there!

A ghoulishly good time at Boone Hall

Whether you live in the Lowcountry, the Midlands or somewhere in between, there are loads of great ways to take advantage of this season.  Whether it's football (and you already know how I feel about that), camping, hunting or oyster roasts that get you going, life in South Carolina at this time of year is an open book if you're simply willing to read it.  This week, we're writing about fun activities in our communities and if you've got the blahs, we've got some spice for your cidar.  

Okay, so, disclaimer: I looooove fall, in general, and Halloween, in particular, so any community offering that allows me to make the most of both -- being outside in the [relatively] cool, slightly mysterious air and partaking in holiday-oriented activities -- is my most favorite thing.  This weekend, for instance, I had a ghoulishly good time at Boone Hall in Mount Pleasant.

Boone Hall Plantation is the perfect place to spend a fall day.  First of all, it's gorgeous, with its majestic avenue of oaks.  You could spend an entire afternoon just photographing the place and your loved ones amidst all its glory.  When the sun goes down, however, you've got to make your way over to the property's decidedly spookier Fright Nights.  

Do you like being scared silly to the point that you waver between tears and laughter? Think it's just the best to have random things pop out at you from all directions (in a controlled environment, of course)? Adore a haunted house where you get a bit disoriented and paranoid that you may not find your way out? Oh yes, my fiends, blast "Thriller" in your car and get to Fright Nights as fast as you can!

It may get to the point where the folks at Boone Hall know me by name, so I should probably diversify my portfolio of Halloween hotspots.  Anyone else have a favorite place to indulge in all things Halloweeny?   

   

Can you pass me that hammer?

Ordinarily if you love home improvement, it easily becomes a labor of love. However, if you aren’t that good at it, then it’s more like ... you better get some help. HGTV and DYI programs have totally changed my approach to 'do it yourself' projects around the house. Before finding these handy programs, I had a few rules that generally worked well for me.

1. Stay on the couch as long as you can.
2. Do not ever buy a tool that you can borrow.
3. Start projects that can be easily fixed by someone else.
4. Lastly, and most importantly, whatever the situation, you must never, I mean 'pinkie-swear' never ever, immediately attempt to do a project that your next-door neighbor has just completed – especially if his project went well.

If you choose to abandon Rule #4 because you think you know better, then every time your wife sees the next-door neighbor’s perfectly manicured lawn, encased in a quaint, white, picket fence, in front of that totally darling house ... you'll have to endure that 'nails-down-the-chalkboard' question, “Why can’t you be more like the guy next-door?”

Note to self … don’t even think of a retort like, “Then, why don’t you just marry the guy next-door.” Instead, replace that thought with rule #4.1 and say happily, “Yes, dear – next time husband will try harder.”

Do you have a project that you would never have attempted without some help? Have you had some tragic 'renovation reality?' Today I salute realty 'do it yourself' TV and how it has transformed the 'talk back boy' to Tool Time with Troy ... yay, it's Thursday ... you know the drill.

Life lessons in reality TV: The Biggest Loser

Reality TV programs are a lot like cupcakes: a delightful indulgence while they last but of zero value once they’re done. The Biggest Loser is one show that breaks the mold, however, by offering some takeaways that viewers can actually use. You might say I’m reaching but read on, because my reasons might surprise you. 

1.  Reality is not always what it seems. Success takes time. Staggering weight loss and the development of revamped eating habits is a slow process and the result of constant work. Those Last Chance Workouts add drama and aren’t what’s causing contestants to burn off the weight; they chip away at it during all their waking hours. 

2. Single-mindedness is essential in the successful pursuit of a goal. When facing a challenge that tempts you to pound desserts in exchange for a shot at control of the game, refocus your intention. Once you’re clear on what you want, stick to your plan at all costs. Any action that takes you off course is a no-no. 

3. If you want to achieve, get out of your own way. Don’t whine; just accept that the journey toward a goal is likely to be painful and scary at times. Jillian can scream all day long in peoples’ faces but their ability to dredge up inner strength -- whether by invoking a higher power, focusing on those who rely on them or calling upon their own confidence -- is really what determines whether they will win. 

So, when I argue that The Biggest Loser has social value, I’m going way beyond the obvious message about weight loss being achievable and rewarding. I think the show’s broader value is showing that self-discipline is key and in motivating people to take control of their own destinies. Are you picking up what I’m putting down?

How much does even a 'little' hunger hurt?

Can you imagine a child going hungry for a couple of hours? How about 12 ... 24 ... certainly not 72 hours?!!!! Yet, within the readership of this blog, there are children who are without food, or the means to eat from the time they leave school on Friday until Monday's lunch. It's even longer when there are holiday weekends involved.

Recently the credit union staff partnered with the Lowcountry Food Bank to help with a program called 'Backpack Buddies.' This program attacks the issue of weekend hunger for Lowcountry Children. On Friday afternoon a child is sent home with a backpack filled with nutritious snacks to help him or her through the weekend.

Eager to get started, the credit union adopted Midland Park Elementary for the 2009-2010 school year. Last week, twenty-four employees packed 400 bags of food for the Midland Park Elementary and will do so monthly through the school year. 

If you are as astonished as I was by the fact that we live in an area where hundreds of young children go hungry every weekend within a stone's throw from our comfortable homes, then please do more than just talk back with Troy; get involved. Use the answer to this question as your motivation ... "How much does even a 'little' hunger hurt?"

For more information about the Lowcountry Food Bank or the Backpack Buddies Program, visit www.lowcountryfoodbank.org or call 843-747-8146.

What exactly does the Lowcountry Food Bank do?

Yesterday Kimberly published a blog post, Why a food drive,” where she talked about the need for charitable giving in South Carolina and especially here in the Lowcountry. In preparing for South Carolina Federal Credit Union’s upcoming food drive, I did a bit of research on one of our food drive partners, the Lowcountry Food Bank. (Harvest Hope is its sister food bank in the Midlands, which also falls under Feeding America food banks. Our Midlands area members will give to support Harvest Hope.) I was fascinated by what I learned and am convinced this is an organization we should all work to support because of the good things they are doing in our community:

The Lowcountry Food Bank is a collaboration of local, non-profit human and social service providers, religious organizations, donors from the food industry, corporate, government, civic and private sectors, and individual volunteers whose support and partnership focuses on feeding the poor and hungry of the ten coastal counties in South Carolina.

They collect, inspect, maintain, and distribute otherwise wasted food products from many sources. The Food Bank also offers resources such as nutrition education, safe food handling practices and more.

So who are the beneficiaries from their collection and education efforts?

• 22% of their clients are children under age 18. Without the help of the Food Bank and their partner agencies, these children would go to bed hungry, impacting their ability to learn.
• The Lowcountry Food Bank provides boxes of nutritionally balanced food products to over 1300 seniors per month. 
• In all, 250,000 people in the 10-county area serviced by the Lowcountry Food Bank go hungry every day. The food bank works with nearly 350 partner agencies to help them.

For more information, check out their site, lowcountryfoodbank.org. After you do your research I’m sure you’ll end up asking yourself the same question Kimberly asked yesterday: How can you not give?

Why a food drive?

As South Carolina Federal Credit Union prepares to kick off International Credit Union Month later this week, you might like to know why we chose to celebrate by hosting a food drive. Did you know that South Carolina is among the top ten states with the greatest food need – and that many of those suffering most are children under the age of 5? Among school age children, studies show that severe hunger is a significant predictor of chronic illness, higher levels of internalizing behavior problems and higher reported anxiety/depression. 

Now, consider that many of our own family members, friends and neighbors continue to struggle with the effects of a down economy. The Institute for Southern Studies reported that “the deepening recession could see an even greater jump in the rates of poverty amongst children.”  Poverty and hunger, as we know, as closely linked.

Please take a few minutes this week and search through your cupboards for a few things you could donate to the food drive. Pick up a few extra canned or boxed goods next time you get groceries. Better yet, challenge yourself or your family to fill an entire grocery bag with donations.

I’ve read that the hardest part of affecting change is deciding to get involved. The credit union will make it simple for all of us to take that first step. Collection bins will be at every branch throughout the month of October!  How can you not give?

The Swine Flu, Are You Concerned?

Are you a parent? As a parent you try not to panic but instead just stay aware of what the latest health news is so you can keep your family as safe as possible. Here are some practices you can teach your children to reduce the spread of infection. Be sure to set a good example by doing these things yourself. 

• Teach your children to wash their hands frequently with soap and water for 20 seconds.
• Teach your children to cough and sneeze into a tissue or into the inside of their elbow.
• Children who are sick should stay home from school and daycare and stay away from other people until they are better.

The Center for Disease Control provides a wealth of information on what you can do to stay healthy.

Are you an employer? Here are some things you can do to keep your workplace safe:

• If an employee is sick, encourage him/her to stay home.
• Offer work from home options to care for sick relatives.
• Encourage your employees to wash their hands frequently with soap and water or with hand sanitizer if there is no soap or water available.

The United States Department of Labor is an excellent site for employer information. 

How do you feel? Some people I talked with recently are not fazed by the infection at all. Others are checking the Center for Disease Control site several times throughout the week to review the latest updates. Where do you fall? Do you have any additional prevention techniques you would like to share?

Systems restored to normal functionality

South Carolina Federal Credit Union’s planned system maintenance for Saturday, Sept. 19, is now complete. iTeller, Teller Talk, Online Account Opening and the online loan application are now available. Access to your funds via ATM withdrawals and debit card purchases is restored to normal. Thank you for your patience as we adjusted our systems to provide greater convenience to you in the future.

The organization that’s there when tragedy strikes

A couple months ago, I had an opportunity to do a “ride-along” with Chaplain Rob Dewey of the Coastal Crisis Chaplaincy. During this time, we discussed how the Chaplaincy provides pastoral care and counseling for employees and families of law enforcement and emergency service agencies, as well as the general public.

Rob talked about how the Chaplaincy has responded to disasters nation-wide. He personally was deployed to New York City as part of the post 9/11 team, as well as to New Orleans in the critical days following Hurricane Katrina.

Most people don’t think about what they’ll do if tragedy strikes. Fortunately for the Charleston community, the Coastal Crisis Chaplaincy exists to help people who are in the midst of realizing their worst fears and to aid the emergency responders whose work deals with life’s most painful events.

At the Sofa Super Store Fire on June 18th, 2007, the Coastal Crisis Chaplaincy was present to provide whatever comfort they could to the firefighters and emergency personnel. Chaplain Dewey prayed over the Charleston 9 as they were brought from the building, and the chaplains set up a vigil at the site of the tragedy where they remained to assist throughout the week.

Countless people were affected by this devastating fire, and the Coastal Crisis Chaplaincy continues to provide comfort and support to the firefighters and family members who lost their friends, coworkers, and loved ones.

I walked away from my ride-along that day with incredible appreciation for the work done by our first responders and supporting organizations, such as the Coastal Crisis Chaplaincy. Which community service organizations would you to like recognize here for the important work they do? Now’s the time to acknowledge those whose caring and support sustains us in times of need.

Saturday, Sept. 19 - some limitations on credit union systems

The credit union on Saturday, Sept. 19, from 7 a.m. until 5 p.m., will perform upgrades that affect several processing systems. As a result during that time, iTeller, as well as Teller Talk, Online Account Opening and the online loan application may be unavailable. In addition, access to your funds via ATM withdrawals and debit card purchases may be limited. Please note that credit cards are not affected and will function as usual.

Our best advice is to plan ahead for your systems access so you avoid the downtime on Saturday, the 19th. Visit the ATM Friday for your weekend cash needs and plan larger purchases for Friday or Sunday. While this temporary suspension of service may cause consumer and business members to plan some workaround, it’s necessary to make things run smoothly and efficiently later.

We apologize for the inconvenience and are providing this advance notice so that you can plan accordingly. Thank you in advance for your patience as we adjust our systems to serve you best in the future.

Get those hurricane kits together now

If you’re not one of our super-prepared readers who said their hurricane prep kits are ready to go, here’s hoping this post inspires you get crackin’. For the last couple of seasons, we’ve been quite lucky in the state of South Carolina but the 20th anniversary of Hurricane Hugo this month should remind us all that Mother Nature sometimes can be ill-tempered and always does what she will.

So, no more excuses. This easy-to-follow checklist is a template to get you started. Why put off tomorrow what you can do today? If the official end of hurricane season on November 30 rolls around and your supplies remain untouched in a corner somewhere, then consider yourself about 80 percent prepared for next year (because you and your pets probably would prefer fresh water in 2010’s kit, of course). What a grand feeling to be so on top of things!

Now tell me, does having a checklist right here and the height of the season at hand make you any more motivated finally to get things together?

Education: The key to our success here in South Carolina?

Today the President delivers his much anticipated Back to School Event “pep talk” that has stirred controversy in many circles. To some it’s part of a larger agenda. To many others it emphasizes the fundamental message about the importance of staying in school.

In his talk the President says “You can’t drop out of school and just drop into a good job. You’ve got to work for it and train for it and learn for it.” Those in our state impacted by layoffs and the economic downturn can certainly understand the importance of this message.

Here in South Carolina we should try and put politics aside and heed this important message. According to a 2008 study published in the Post and Courier, only 56 percent of South Carolina high school students graduate in four years – the 4th lowest rate in the nation. We can and should do better for our children.

Even the former first lady Laura Bush was quoted on Monday as saying “Parents should…encourage their own children to stay in school and to study hard and to try to achieve the dream that they have."

Isn’t this an issue that transcends partisan politics?

How big is your 'fan' ship?

Have you ever wondered why you root for this team or that one? How did it get started? Some people (like me) are so passionate about his team of choice that in many cases other parts of his life stands still until the final inning is played, that touchdown pass is caught, or the pitch from the sand lands in the cup.

Most people will agree that the love of sports starts at an early age. Parents influence children. Playmates influence other teammates. Athletes influence sportsmanship. I think a combination of these contribute to answering the question, "How big is your 'fan' ship?"

Here's a glimpse at how it worked for football in the hallway. Grew up in an area that primarily showed the Steelers on TV, which just happened to coincide with the Steel Curtain, Bradshow, Swann and Stalworth era. Moved to Pittsburgh and was totally indoctrinated with the 'Terrible Towel.' Raised family on a steady diet of black and gold each Sunday (back then most games were played on Saturday or Sunday). Purchased every imaginable trinket, blanket, koozie cup, etc. as gifts that celebrated events from graduation to home ownership. Just posted a personal blog entry expressing commitment to the team that doesn't even know whether me or my family even exist.

With that in mind, it will come as 'no surprise' that the size of the hallway 'fan' ship is measured by the number of items with black and gold that are owned by current family members who span four generations.

So, are you ready to let me know how it all happened for you? Wanna talk some trash? After all, it is Thursday and time to talk back with Troy.

I'm just here for the food

I realize it’s practically a cardinal sin to live in the South and admit this but I couldn’t care less about football. Maybe it’s because I grew up in a house full of women with similar disinterest; maybe it’s because my college was Division I for every sport except that one; either way, just one thing brings me out to a game: the food.

In “real life” I eat healthfully but during football season, obliged as I am to attend games and get-togethers with family and friends who went to big ACC or SEC schools (By the way, I had to Google those terms), I love nothing more than a cheesy, spicy, Tabasco-laden dip, chip or other handy snack. Because everyone knows fat and calories count for nothing when one is glazed over, subject to her loved ones’ obsession with uniformed men making strategic moves she cannot comprehend.

On to the goods, here are some of my favorite, easy, inexpensive recipes for your next football gathering, organized into the five generally recognized types of taste -- sweet, salty, sour, bitter and umami (savory) -- because, seriously, that’s how to plan a tailgate. Yay, football season is here!

NCUA, not FDIC, for credit unions

You may have seen the article in Aug. 27’s Post & Courier, “Depleted FDIC may need bailout of its own.” We draw it to your attention now to point out that South Carolina Federal Credit Union is not affiliated with the FDIC. In contrast, the credit union is insured by the National Credit Union Administration (NCUA), a different agency of the U.S. government. The NCUA regulates, charters and insures all federal credit unions and its Share Insurance Fund maintains a healthy equity level. As a result, safety and soundness is guaranteed for of all credit unions insured by the NCUA.

The credit union difference is always a story worth telling. In light of recent news, it’s especially timely to share that difference with your friends and neighbors who have yet to do business with us or another credit union near them.

Now’s Your Chance

You love music. It’s your passion in life. You've found a group of like-minded people who share your vibe, and together, you create some really great stuff.

Ever wonder if this passion could take you somewhere? Well, here’s your chance to find out. You and your band could connect with more fans, experience the thrill of a live performance, get critical acclaim, win some serious cash, even play at a show headlined by Blues Traveler. You might just get discovered.

It doesn’t matter how old you are or what you do for a living. Take a chance. Put yourself out there! What’s that I hear?  A door swinging wide open!

Don't you dare throw that away!

I am the opposite of a pack rat; I love to purge. But did you know there are certain documents, financial and otherwise, that you need to keep for a certain length of time, and some you should never toss?

Thanks to our friends at Unclutterer.com, one of the coolest sites for anyone who wants to streamline her life, we have this handy list of items we can shred now, later and never. Print it out and put it with your important files, or better yet, kill the clutter: save it to your desktop and check it before you chuck that questionable document.

Freedom from excess paper does more than keep your kitchen table clear; it keeps your mind and soul clear, too, so you can think, create, or just relax. At the same time, you can also maintain your sanity by ensuring you’re prepared with that pivotal piece of paper in the event you need to produce it.

Have you ever, ahem, “lost” an important document, a really important one, and been called on the carpet? If you're pretty good at holding on to the right things, what system do you use to keep your files in a safe place - and to remember where you put them?

... and, the winner is?

In July you were introduced to four brave kids ... Chase, JoJo, Kristin, and Paris. These are just a few of the winners ... the children helped by the medical research and treatment provided through MUSC. Each will be able to strap on a backpack and head to school this August because you cared and gave time and financial resources to further children's medical research at MUSC.

With the help of South Carolina Federal Credit Union members, employees and a corporate donation, this year Children's Miracle Network will receive a check for ....

$28,999.99!

The four outstanding locations who helped raise the most awareness and funding for the credit union's 2009 Campaign are Contact Center/Sales and Service/Members' Financial Services (combined departments), Goose Creek, Oakbrook, and Summerville branches.

Although I do not have a personal story that relates to the experiences of the kids mentioned in this blog, my niece, Jennifer, is currently in residency with an emphasis in pediatrics, and a dear friend, Landon, will become a doctor very soon.

Let's take time today and salute those unsung heroes who are dedicated to helping others. After all, that seems very fitting considering that the credit union motto is ... people helping people, help themselves. Use the comment section to specifically mention your hero by name and express how much he/she means to you. It's Thursday ... and time to talk back with Troy.

... do you know the Paris Marchant story?

Tomorrow concludes the credit union's campaign to raise awareness and funding for the Children's Miracle Network. On behalf of the entire team at the credit union, thank you for taking an interest in these kids, and doing whatever you could to support children's research at MUSC.

I almost hate to quote a Whitney Houston song lyric, but it just seems to fit ... "I believe the children are our are future; Teach them well and let them lead the way; Show them all the beauty they possess inside; Give them a sense of pride to make it easier; Let the children's laughter remind us how we used to be..."

In the final story of this blog series, I am pleased to introduce you to the Paris Marchant story...

Paris in February of 2008 was a 20-month old when she was sent home early from day care with a low grade fever and a double ear infection. While at home, her parents noticed her shallow breathing, shivering and purplish legs, feet, arms and hands. Paris was immediately rushed to the emergency room in Augusta, Georgia.

When her condition did not improve, Paris was airlifted to the MUSC Children’s Hospital where she was diagnosed with Respiratory Failure due to Influenza A & B plus bacterial pneumonia and two days later put on a heart lung bypass machine, called the Extra-corporeal Membrane Oxygenation or ECMO machine.

Paris remained on the ECMO machine for 32 days. During this time, Paris had chest tubes inserted to remove massive amounts of body fluid she was retaining. After being taken off the ECMO machine on Easter Sunday in March of 2008, Paris’s lungs collapsed and trachea and feeding tubes were inserted.

In June of 2008, after 129 exhausting days at MUSC Children’s Hospital, Paris was sent home to her twin sister, Mattie, two older sisters, Keeley and Luci, and her parents, Amy and Wayne. In August of 2008, Paris was removed from the ventilator and in October her trachea tube was removed. While Paris still struggles with eating and endurance, her parents see her as a normal and sassy 3-year old who loves the water and is enjoying her swim lessons this summer. And, in the winter something a Charlestonian knows little about ... she loves to make Paris-sized snow people.

No matter what the season $1 makes a difference and for those who would like to contribute through the credit union program, I have included some instructions below. Be in love with life. Count your blessings this Thursday ... and talk back with Troy.

Special Announcement ... in addition to buying the $1 balloons in our branches, members can now purchase $1 Electronic Balloons with secure e-mail (iTeller), through on-line secure chat (iTeller), or via phone (843) 797-8300. Since these are secure channels of communication, simply use the links provided to log-on. Once connected, select either e-mail or chat. In the text area include your member number and the amount of your balloon purchase. A special on-line page acknowledging your first name will be posted on the web.

Do you know the Kristin Patrick story?

This is week three of bringing awareness of the Children's Miracle Network to our blogging community. The out pouring of love and support we have received through individual blog comments, balloon purchases, and feedback with the branch folks has been refreshing, especially during these hard economic times. Everyone is feeling the pinch, but now more than ever CMN needs our support.

Since you've already met Chase Ringler , and JoJo Greenwood, I'd like for you to know about this remarkable young lady.

Kristin Patrick story...

On January 25, 1997 - a few days after developing a common cold - 15-month-old Kristin Patrick of St. George, SC was rushed to a local hospital with a high fever, labored breathing and a heart rate of more than 100 beats per minute. When local physicians were unable to treat or diagnose her condition, Kristin was rushed to MUSC's Pediatric Intensive Care Unit. There, physicians found one of the most severe cases of pneumonia they had ever seen, one that had caused both of Kristin's lungs to rupture. Her prognosis, for a while, was precarious.

For seven long days, Kristin's heart and lungs struggled to oxygenate her blood, exhausting her body to the point where it was unable to fight the life-threatening virus. Meanwhile, her overworked lungs continued to develop new perforations. Despite her daughter's deteriorating condition, Susan Patrick says that the pediatric specialists at the Children's Hospital made her feel confident that her daughter would somehow recover. "It was just unbelievable to experience that level of knowledge and care," she says. "The doctors, nurses, everyone. I could tell they knew what they were doing. Not only were they knowledgeable about what they were doing, but they also cared about what they were doing. They cared about Kristin, and they were genuinely interested in getting her better. I felt like we got the best care we could have gotten anywhere."

After several days of researching and consulting with each other, MUSC physicians decided to place Kristin on a revolutionary new heart/lung bypass machine, which would pump blood out of her body, supply it with oxygen and return it, allowing her lungs to regain strength while the virus ran its course. Kristin remained on the heart/lung bypass machine for 10 days. During that time, her heart and lungs regained their strength while the virus was successfully purged from her body.

"When she got better and we were finally able to hold her it's very hard to describe the feeling we had," says Susan Patrick. "When she was a little baby, we'd think what a miracle it was to have her to begin with. Now we see her as even more of a miracle." Today, Kristin is a beautiful, intelligent 13 year old who loves life. She enjoys playing the piano, swimming, reading and spending time with her friends and family. Kristin graduated from the 8th grade in May 2009 and was in the top 10 of her class. She is dedicating to helping others. She loves being involved with the events that benefit the MUSC Children’s Hospital and also was a member of a local Relay for Life team for the American Cancer Society. She knows what a gift life is and wants to help others realize it as well.

The picture of Kristen as she is today helps me to realize just how much difference even $1 makes. For those who would like to contribute through the credit union program, I have included some instructions below. Celebrate life. Give thanks this Thursday ... and talk back with Troy.

Special Announcement ... in addition to buying the $1 balloons in our branches, members can now purchase $1 Electronic Balloons with secure e-mail (iTeller), through on-line secure chat (iTeller), or via phone (843) 797-8300. Since these are secure channels of communication, simply use the links provided to log-on. Once connected, select either e-mail or chat. In the text area include your member number and the amount of your balloon purchase. A special on-line page acknowledging your first name will be posted on the web.

Do you know the Joseph Greenwood story?

Last week I had the pleasure of introducing you to Chase Ringler. This week, please meet Joseph (JoJo) Greenwood. He received a Heart Transplant at the Medical University of SC, five days before his 6th birthday. It is a privilege to tell about these children's miracles. 

JoJo's story ...

In March of 2006, with a virus that caused JoJo to have a high-grade fever.  The virus invaded and damaged his heart. JoJo was diagnosed with dilated cardiomyopathy, a rare weakening of the heart muscles. This eventually led JoJo to a long admission at MUSC in August 2006, with the implantation of an internal defibrillator. 

March 24, 2007 ... the defibrillator discharged appropriately and saved his life when JoJo collapsed on the family porch in Florence, SC. His father, Stephen, successfully performed CPR on JoJo. Within 3 hours JoJo was airlifted to MUSC.

March 25, 2007 ... JoJo was placed on a life saving heart and lung bypass machine (ECMO).  He was medically paralyzed during his 10 days on ECMO and was only allowed to become conscious when the doctors wanted to see if he was responsive. His family celebrated every movement or response JoJo gave. JoJo was placed on the Heart Transplant list on March 26, 2007. The medical team had decided immediately that he needed a ventricular assist device. They began working fervently to get him a device never used at this facility before. It has not been used much in the U.S. at all. It is not even FDA approved. It is known as the Berlin Heart Pump.

April 4, 2007 ... JoJo made history by becoming the first pediatric patient in South Carolina – and the 88th in the nation – to receive a Berlin Heart during the 10.5 hour surgery at the Medical University. Within hours of the surgery, he was alert and watching his favorite cartoon, “SpongeBob Squarepants,” from his hospital bed at the MUSC Children’s Hospital. He was able to sit up and talk with everyone. He began to smile, tell jokes, eat, drink, and walk within a few short days. His progress was an amazing experience to witness.

April 13, 2007 ... JoJo underwent a heart transplant only 8 days after receiving the Berlin Heart.  He progressed as well as anyone could possibly progress. The Berlin Heart made him a healthy candidate to receive his miracle heart transplant. He was released from the hospital only 2 weeks after his transplant. He began a regimen of taking transplant medications and physical therapy to regain some of the muscle tone he had lost. He even received tutoring in and out of the hospital. He was shown so much love that he had very mixed emotions about leaving the wonderful place that had saved his life.

Newspapers and television stations all over the country covered the Joseph Greenwood story throughout the entire process. Fundraisers and prayer chains spread across the country. Soldiers in Iraq even met to pray for this special little boy. Many people have been touched by his story and still get in touch with his family to say what an inspiration he is to them.

Special Announcement ... in addition to buying the $1 balloons in our branches, members can now purchase $1 Electronic Balloons with secure e-mail (iTeller), through on-line secure chat (iTeller), or via phone (843) 797-8300. Since these are secure channels of communication, simply use the links provided to log-on. Once connected, select either e-mail or chat. In the text area include your member number and the amount of your balloon purchase. A special on-line page acknowledging your first name will be posted on the web.

Thank you for allowing me a chance to share JoJo's story. Give thanks this Thursday and talk back with Troy.

How about a chance at a priceless escape?

Have you heard? South Carolina Federal has partnered with MasterCard® International, Inc., for an amazing opportunity. One of our members is guaranteed to win a priceless escape nearly anywhere in the world. There is no hidden agenda and no fine print.

Here’s the deal: One member will win the Grand Prize in the Break in Your Jeans Sweepstakes: a $100 MasterCard Gift Card for a pair of jeans and the opportunity to “break them in” on a five-day, four night trip for him/herself and three guests to a destination of the member’s choice, not to exceed $15,000.

How can I qualify to win this priceless escape, you ask?

• Are you 18 or older? You qualify!
• Got a MasterCard debit card? Use it!  From now through Aug. 31, sign for every purchase and you automatically are entered into the Sweepstakes every time, not to mention the fact that you rack up CURewards^TM.
• Don’t yet have a MasterCard debit card? Get one! We issue debit cards instantly in our branches. That means you simply apply at a branch and walk out with your card in minutes. You can even choose your favorite color.

If you’re a member of South Carolina Federal who uses your MasterCard debit card, your chances of winning are actually pretty good. As of this posting, there are only about 67,371 active MasterCard users in the credit union.  (These are excellent odds, my friends.)

Alas, as an employee of the credit union, I am not eligible for the Sweepstakes, so I’m counting on one of you to win so I can live vicariously through you. In fact, I want to profile the lucky member’s trip in a future blog, so please, swipe and sign through Aug. 31…for me…or hey, for your own selfish reasons!  Click here for all the important details.

Where's the premium?

Recently management removed the 'dividend rate add-on premium' offered to Senior Service and Member's Choice Checking accounts for share certificates. This change has left some members scratching their heads and wanting to know, "Where's the premium and why did you make this change?"

For years the credit union used a 'dividends rate add-on premium' strategy for these checking products because the belief was that these 'premiums' meant that the member would be more 'loyal' to the credit union. This loyalty would translate into members having more products and services per household.

Unfortunately the research has confirmed that 'dividend rate add-on premiums' do not translate to member loyalty. Today certificate shoppers buy strictly on rate. They will move their funds for as little as a fraction of an interest or dividend rate. And, when service used to be a factor, it isn't anymore. There is no correlation between giving a dividend add-on premium and the member using their credit union more. In fact, some members opened a Senior Service Checking just to get the dividend rate add-on premium and then never used the account. That is a formula for adding more expense to the operation of your credit union.

What management decided was to discontinue the 'dividend rate add-on premium' with the goal of offering more competitive rates for share certificates across the board. Now every member who shops the credit union for a great share certificate rate will get one without having to open another account to do so. This change, although difficult for some simply because it is a change, is really more cost effective and life simplified for the entire membership base.

So, if you find yourself asking, "Where's the premium?" then I hope this blog has shed a little light on your inquiry. BTW ... it's okay to disagree with the thought process and post your comment. Today is Thursday and time to talk back with Troy.