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Four tips to help you make Social Security decisions

Your Social Security benefits can be an important part of your retirement income strategy. But when should you start taking these payments?

You can begin accepting Social Security as early as age 62, but your monthly checks will be much smaller than if you wait until your “full retirement age,” which will likely be between 66 or 67.

And these monthly payments will get even bigger if you wait until age 70, when they “max out.”

So, should you take Social Security as early as possible and hope smaller monthly payments will be justified by extra years of receiving them, or should you wait until you are older and hope bigger checks will be worth the delay?

Consider the acronym LENS: life expectancy, employment, need and spouse.

Life expectancy: If your family has a history of longevity, and you are in excellent health, it may make sense to take Social Security later, when your monthly benefits will be higher. You’ll also want to consider your spouse’s life expectancy.

Employment: If you want to keep working in your “retirement years,” be aware that your earnings could affect your Social Security payments. If you take Social Security early — before your full retirement age — your benefits will be withheld by $1 for every $2 in earned income above a certain amount ($15,720 in 2015).

During the year in which you reach your full retirement age, this withholding changes to $1 for every $3 in earnings over the annual limit ($41,880 in 2015).

The withheld amounts could also affect spousal benefits. However, beginning the month you attain your full retirement age, benefits will no longer be withheld based on how much you earn. Also, Social Security will recalculate your benefits at full retirement age to account for benefits withheld. In any case, if you plan to continue working, and you think you could have significant income, you’ll need to understand the effect that earnings will have on your annual benefits.

Need: Do you need the money? If you can support your lifestyle for several years with alternative sources of income (such as a pension) and modest withdrawals from your investments, you may be able to delay Social Security, thereby increasing your monthly payments. Be careful; relying too heavily on your investment portfolio can shorten its own “life expectancy.” It’s essential that you maintain a reasonable withdrawal rate for your investments throughout your retirement.

Spouse: Your decision of when to take Social Security will affect your spouse’s survivor benefit. Surviving spouses can receive their own benefit or 100 percent of their deceased spouse’s benefit, whichever is greater. So, if you were to take your Social Security early, when payments are smaller, your spouse’s survivor benefits will also be permanently reduced. If you are older than your spouse, or otherwise expect your spouse to outlive you, it might be a good idea to delay taking Social Security to maximize the survivor benefits.

As you think about when to take Social Security, look at your decision through the LENS. It could help clarify your options.

This article was written by Edward Jones on behalf of your Edward Jones financial adviser, Yvonne Shanklin.

This article originally appeared on Crestview News Bulletin: Four tips to help you make Social Security decisions

Bellydancing for fun, exercise and bonding comes to Crestview

Valorie Rossi, center — pictured with members of her Andalusia, Ala., American Tribal Style Bellydancing troupe —is bringing bellydancing lessons to Crestview's Senior Activities Center.

CRESTVIEW — Each Wednesday, women can gather in Spanish Trail Park to socialize and exercise while performing American Tribal Style Bellydance.

Group leader Valorie Rossi said American Tribal bellydance — a fusion of traditional gypsy, Indian and Middle Eastern folkloric female dance that originated in California in the 1970s — is not the sensuous cabaret style of dancing often performed by a lone female dancer in an “I Dream of Jeannie” style outfit. Still, it is “beautiful, mysterious, evocative and powerful.”

Rossi— co-director of Sweet Magnolia Tribal, a professional dance troupe, and Fat Chance Belly Dance Sister Studio — is a licensed massage therapist with expertise in anatomy and safe movement. She said participants find benefits including increased strength, improved fitness and grace and companionship with other women through the activity.

“We really need to have our girlfriends to survive in the world,” she said. “We’re all body types, all ages. We celebrate that here, because we all have different abilities and different appearances.”

Nobody knows what to expect from each two- to four-woman group, Rossi said. “One girl is the leader, and then the rest follow and, by certain non-verbal cues, everybody knows what moves we’re going to do next,” she said. “The dance is never the same twice.”

Nearly 100 moves can be combined in any number or order, she said, and each move has a cue. “If I drop my hand down, everybody knows we’re going to bring the other hand down and we’re going to be spinning," she said.

Tribal bellydancers create flowing costumes accented by jewelry, scarves and ruffled dresses. Bare midriffs are common but not required, Rossi said, depending on the woman’s comfort level. For weekly practice, some women prefer leggings or capris.

As women embrace the program — “Once you start it, it can be addictive,” Rossi said — they can create their own costume. The ruffled dress may cost between $40 and $90, she said. And a woman may make a “choli,” a tight halter top, by altering a thrift shop T-shirt, Rossi said.

Above all, she said, tribal bellydancing is an opportunity to exercise while dressing up and having a fun evening out with the girls.

“It’s the fun of dancing with other women,” she said.

WANT TO GO?

WHAT:American Tribal Style Bellydancing

WHEN:6 p.m. Wednesdays

WHERE:Spanish Trail Park Senior Activities Center, Industrial Drive, Crestview

COST:$50 per month; $15 drop-in lessons

Email News Bulletin Staff Writer Brian Hughes, follow him on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Bellydancing for fun, exercise and bonding comes to Crestview

NWFSC's ‘Hamlet’ to feature Crestview actresses

Crestview actress Bettye Keefer stars as Queen Gertrude in Northwest Florida State College’s production of “Hamlet,” with Bruce Collier as Claudius, Sean Royal as Laertes and Dylan Garofalo as the tortured title character.

NICEVILLE — When William Shakespeare’s classic tragedy “Hamlet” opens at the Mattie Kelly Arts Center Wednesday night, two Crestview actresses will discover something’s rotten in Denmark.

Bettye Keefer performs the role of Gertrude, widow of the slain king of Denmark and mother of Prince Hamlet. When she marries Claudius, her husband’s assassin and brother, Hamlet becomes fraught with anguish.

Sheila Johnson takes on several roles, including the courtier Voltimand, the Player Queen actress, a servant and an English ambassador.

Dylan Garofalo of Santa Rosa Beach — who appears in the starring role of Hamlet — will get to recite one of the theatre’s most famous soliloquies: “To be or not to be. That is the question.”

Ron Altman of Niceville plays Hamlet’s father’s ghost, while Bruce Collier of DeFuniak Springs portrays Claudius.

Director and Northwest Florida State College theatre professor Clint Mahle said his production will appeal to modern tastes, but will adhere to Shakespearean conventions including minimal scenery, addressing the audience directly, and quick exits and entrances.

Mahle offered this tongue-in-cheek synopsis of the familiar story: “Son is extremely bummed over his father’s death and mom’s hasty marriage to his uncle. Father’s ghost shows up and tells son he has been murdered by son’s uncle, father’s brother.

“Son becomes more confused and depressed as everyone he trusts seems to betray him. After some death and insanity, son figures out a plan. Almost everyone dies except son’s best friend and a bunch of baffled subjects of the kingdom.”

Many Shakespearean scholars consider “Hamlet” as the first purely psychological thriller, Mahle said.

“Hamlet,” presented by the NWFSC Fine and Performing Arts Division, will feature custom-designed period costumes, much of the design work by Keefer, and a set built specifically for the Sprint Theater, the smaller of arts complex’s two theaters. The play runs through March 21.

WANT TO GO?

WHAT:William Shakespeare’s “Hamlet”

WHEN:7:30 p.m. March 18-21

WHERE:Sprint Theater, Mattie Kelly Arts Center, Northwest Florida State College Niceville campus

COST:$15 adult, $10 youths 18 or younger

NOTES:Tickets available at the box office, 729-6000, www.MattieKellyArtsCenter.org

Email News Bulletin Staff Writer Brian Hughes, follow him on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: NWFSC's ‘Hamlet’ to feature Crestview actresses

Commentary: Trisomy does not mean 'incompatible with life'

"Just like that, because our child had trisomy 13, doctors viewed the situation as impossible."

Recently, I have been reading up on the policy of doctors using the term “incompatible with life” while explaining trisomy to parents expecting children with this diagnosis, specifically trisomy 13 and trisomy 18.

Trisomy occurs “with the presence of an extra third chromosome” which is placed among two strands of DNA, according to Chad Haldeman-Englert, MD, of the Wake Forest School of Medicine. An infant may be born with multiple defects and/or intellectual disabilities. (These could include cleft lip or palate, seizures and extra fingers or toes, according to the U.S. National Library of Medicine National Institutes of Health.

After giving birth to a child with trisomy 13 in June 2014, this topic is very emotional for me.

My unborn son was diagnosed with trisomy 13 when I was 21 weeks pregnant. My husband and I were heartbroken, and we decided to pray as hard as we could and hope for the best.

I delivered our beautiful baby at 36 weeks, and despite low expectations, he lived, and we were able to take him home and give him our love for 23 days.

When we went home, we had hospice care, and the nurses were very caring and had so much hope for our son. It was even suggested for us to take measures to increase his likelihood of survival rather than wait for the inevitable.

However, on the 22nd day, our beautiful baby boy began to struggle with breathing. We took him to the emergency room and were transferred to the regional pediatric hospital. When we got there, we were told that our son was dying. Rather than suggesting we do something to increase his chances of survival, the doctors acted hopeless and suggested that we let him go.

Just like that, because our child had trisomy 13, doctors viewed the situation as “impossible.”

 Hours before our son passed, we held him and kissed him and told him we loved him; we watched him become more and more exhausted as he struggled to oxygenate his body until his life left him.

I’ve done a lot of research and have joined social groups where other parents have faced the same issue and have suffered, and it seems we all feel the same.

A trisomy diagnosis should not mean “incompatible with life.”

These children should be allowed to receive the same medical treatments and be viewed with the same opportunities as others who face severe illnesses.

Ashley Seder is a past Crestview resident and a student at the University of West Florida for social work.

This article originally appeared on Crestview News Bulletin: Commentary: Trisomy does not mean 'incompatible with life'

December ’63 to perform tribute to Frankie Valli & the Four Seasons

December '63, a Frankie Valli and the Four Seasons tribute band, will perform April 11 at a fundraiser concert in Destin.

DESTIN — In partnership with Ocean Reef Vacation Rentals & Real Estate, the Mattie Kelly Arts Foundation continues a year-long celebration of its 20th anniversary with a performance by December '63, a Frankie Valli and the Four Seasons tribute band.

 The concert is 7 p.m. Saturday, April 11 in the Dugas Pavilion in the Mattie Kelly Cultural Arts Village, 4323 Commons Drive W. in Destin.

 The five-member band is named for Frankie Valli’s 1975 hit "December 1963 (Oh What a Night)," which topped the U.S. music charts at No. 3 in 1975.

December ’63 celebrates the charismatic '60s crooner with the unmistakable falsetto voice with such memorable hits as “Sherry,” “Big Girls Don’t Cry,” “Rag Doll,” “Walk Like a Man,” “Can’t Take My Eyes Off You,” “My Eyes Adored You” and more.

Bring a chair, blanket and picnic or purchase dinner prepared onsite from food trucks and local restaurants serving dinner menu options. Bring your own beverages or purchase water, soft drinks, beer and wine at the event.

 Tickets for this benefit concert are $25 for adults or $20 for MKAF members. Children under 12 get in free.  Proceeds will benefit MKAF’s mission to support cultural events and education programs. VIP tables, seating six or eight, are available on a first-come, first-served basis by calling 650-2226.

This article originally appeared on Crestview News Bulletin: December ’63 to perform tribute to Frankie Valli & the Four Seasons

Scrapbooking pro brings inspiration, designs to Crestview

Scrapbookers Peggy Isler, Toni Dugas, Sandy Teets, Rhonda Smith, Sue Sweeney, Jayne Marshall, Shirley Snyder and Linda Norris have new ideas for scrapbook creativity following a weekend workshop with renowned professional scrapbooker Beatriz Farqunar-Guzman, bottom row center.

CRESTVIEW — Serious scrapbookers are applying new techniques and ideas to their projects after receiving inspiration from a noted scrapbooking expert.

Beatriz Farqunar-Guzman recently visited A Scrap in Time in Crestview to share tips and design suggestions with local scrapbook artists — and some who came from out of town and out of state for the event.

Find fun scrapbooking ideas at Amazing Grace, Designs by Beatriz>>

“She has followers from everywhere,” local scrapbooker Terry Maloney said. “People just love her stuff. She can just look at paper and she knows just what to put on it. It’s amazing.”

Farqunar-Guzman started her scrapbooking career upon the collapse of her international commercial business in the wake of the 9-11 terrorist attacks, Maloney said.

While in Crestview, Farqunar-Guzman conducted scrapbooking workshops and produced her own designs.

“She designed 210 two-page layouts, which are for sale at A Scrap in Time,” Maloney said, adding that local scrapbookers at the workshops helped produce them as kits.

A Scrap in Time owner Lisa Byers said scrapbooking is a lot more than fancy paper prints, creative cutouts and photos.

“It’s a place to create lasting memories,” she said. “Scrapbooking warms the heart and gives us something to share for the memorable times and events in our lives.”

“Scrapbooking is a method for preserving personal and family history,” Maloney said.

Maloney said Farqunar-Guzman’s custom kits range between $20 and $25 each. The shop is at 151 Brock Ave. behind Dominoes Pizza.

Email News Bulletin Staff Writer Brian Hughes, follow him on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Scrapbooking pro brings inspiration, designs to Crestview

April 20-25 named Relay For Life Week in Crestview

2015 Relay For Life committee members Melanie Fullerton — standing in for 2015 chair Megan Bowersox — and Loney Whitley flank Crestview Mayor David Cadle. April 20-25, 2015 is American Cancer Society Relay For Life Week by Cadle's proclamation.

CRESTVIEW — Mayor David Cadle proclaimed April 20-25, 2015, American Cancer Society Relay For Life Week. 

Relay For Life, an ACS fundraiser, is scheduled for 6 p.m. April 24 at Shoal River Middle School. 

Sponsored teams of organizations, churches, friends and family members annually spend one night camping out, take turns walking and running on a racetrack and remember those diagnosed with cancer and those who have died from it.

It's still not too late to form a team or be a sponsor. Contact Loney Whitley, 603-3500, for more information.  

Learn more on Relay For Life Crestview's Facebook page>>

This article originally appeared on Crestview News Bulletin: April 20-25 named Relay For Life Week in Crestview

4-H summer camp set at Camp Timpoochee

This summer, when kids get out of school and it is time to find something fun to do, why not come to Camp Timpoochee?

4-H Camp — June 15-19 at Camp Timpoochee, located in Niceville on Choctawhatchee Bay — offers several activities for one week. 

Line dancing, marine science experiments, kayaking, snorkeling, arts and crafts, archery, team building and camp fire activities have been parts of past camps.   

Camp Timpoochee offers a lifetime of memories, friendships, life skills, team building skills, and a great week of fun.

We are accepting applications for campers, counselors-in-training, and youth counselors ages 14-18. You do not have to be a 4-H member to attend Camp Timpoochee with us, but if you go and experience what camp and 4-H have to offer, you might think about joining one of our clubs. 

If you have any questions about the 4-H program, please do not hesitate to call the Okaloosa County Extension office at 689-5850. 

WANT TO GO?

Admittance to 4-H Camp at Camp Timpoochee is limited. See http://okaloosa.ifas.ufl.edu/4hy/ or visit the Okaloosa Extension Office, 3098 Airport Road Crestview, for an application.

Misty Smith is an agent at the University of Florida/Institute of Food and Agricultural Sciences' Okaloosa County Extension office in Crestview.

This article originally appeared on Crestview News Bulletin: 4-H summer camp set at Camp Timpoochee

Baker alumna's film comes closer to worldwide release

"Lake Eerie" writer Meredith Majors (left) — pictured with Annemijn Nieuwkoop — says she and her husband, Chris, are negotiating release dates with distributors.

CRESTVIEW — The tiniest things can inspire writers. For Baker School alumna Meredith Majors, inspiration arrived via locket.

Meredith and her husband, Chris, were looking for a project for their production company, Savage Beast Films, when inspiration arose.

“One day, while heading to work in Los Angeles, I was sitting in traffic, twirling my locket/necklace around my finger," she said. "I stopped and looked at my locket, thinking about the idea that became ‘Lake Eerie.'

“When I got to work, I rushed to write down all of my thoughts and ideas on paper," Meredith said. "I spoke to my husband about it, and we decided to drop everything and make this happen.”

Meredith plays Kate Ryan, a widow who experiences unnatural phenomena when she moves to a lakeside home. Chris directed and acted in the film, which also features Lance Henriksen, of “Aliens” and “Terminator” fame; wrestler and actor Al Snow; Betsy Baker, from “The Evil Dead”; and Marilyn Ghigliotti, of “Clerks.”

Behind the scenes is Robert Kurtzman, Master Special FX supervisor, who worked on “Predator,” “Tremors" and “Scream," and Harry Manfredini, who has more than 150 composer credits, including “Friday the 13th” films, “House” and “The Hills Have Eyes II.”

The Majorses are negotiating the film's release date with distributors; the couple will know more in a few weeks.

They are grateful for backers who made that final step possible. Contributors donated more than $17,000 for post-production on the fundraising website Kickstarter.

"The best part about post-production is seeing the film in different stages, and how each stage makes the film better and better," Meredith said. "The worst part is trying to be patient, because it takes time. The challenge of film-making is working with multiple artists, and schedules.

"It feels like a miracle when it is completed, because so many ideas and egos are involved with the process."  

HAUNTED HOUSE

In the case of Savage Beast Films' "Lake Eerie," art imitates life in some ways, according to Meredith Majors, the film's star, writer and producer. 

Her husband's family owns Lake House, the 1918 LaSalle, Mich., home where much of the movie's action takes place. Something seemed strange about the place, so the couple asked experts to investigate.   

 “Prior to shooting 'Lake Eerie,' we had three groups of paranormal researchers investigate the house; and they caught EVPs (electronic voice phenomena), some photos and video of a 'shadow figure,' sudden temperature changes, and other unexplained occurrences," Meredith said.

“While shooting 'Lake Eerie,' some of the crew were skeptical of the house being haunted," she said. "However, one night some crew were in a room with no windows open, and the closet door slowly creaked opened and then slammed shut on its own. Our script supervisor ran down the stairs screaming.”

WHAT'S NEXT

Savage Beast Films is in preproduction on its next film, “Echo of Evil.” Meredith and Chris Majors have been talking about a supporting role with Robert Englund, who played villain Freddy Krueger in the "Nightmare on Elm Street" franchise. "There’s exciting stuff coming," Meredith Majors said, “but we do more than just the horror genre."

ONLINE

•http://lakeeeriemovie.wix.com/lakeeerie

•www.facebook.com/LakeEerieMovie

This article originally appeared on Crestview News Bulletin: Baker alumna's film comes closer to worldwide release

Fundraiser set for Crestview baby

A Boston butt fundraiser is planned for Nathaniel Bowersox, born Feb. 5.

CRESTVIEW — Duke it Out's Relay For Life team will have a Boston butt fundraiser for Nathaniel Bowersox on April 4. 

Nathaniel, the son of Megan and Daniel Bowersox, was born prematurely Feb. 5 — almost a month before he was due. His second night at North Okaloosa Medical Center, nurses determined his stomach was distended and referred him to Sacred Heart Hospital in Pensacola.

"He had what is called meconium ileus — basically, his first bowel movement got stuck in his small intestine, causing it to droop, twist and rupture," Megan, said. "Thankfully, we all have a lot of intestine to work with … a surgeon had to remove part of his small intestine to remove the blockage, all before he turned three days old.

"He now has part of his small intestine poking out of his abdomen with a colostomy bag attached to the end. He will have to undergo a second surgery to piece his intestines back together."

Duke It Out's team scheduled the Boston butts fundraiser to help cover Nathaniel's treatment expenses. Megan is the 2014 and 2015 Crestview Relay For Life chairperson.

The Boston butts cost $30 each and can be ordered by calling Loney Whitley at 603-3500 or 537-4654.  The butts can be picked up at the Crestview Publix from 4 to 5 p.m. April 4.

This article originally appeared on Crestview News Bulletin: Fundraiser set for Crestview baby

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