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PROBE fair at Glynn Place Mall
Approximately 45,000 Georgia high
school students and their parents will
explore the options of post-secondary
education this fall at one of the many
PROBE Fairs, including the Bruns
wick Probe Fair to be held Thursday,
October 30, from 6 p.m. to 8 p.m. at
the Glynn Place Mall in Brunswick
Georgia.
The probe fair consists of two to
three hours of browsing time for stu
dents and parents on subjects such
as financial aid, housing, programs of
study, admissions requirements, schol
arships, and campus fife will be dis
cussed with representatives from the
various institutions.
Participating in the fair are: Arm
strong Atlantic State University,
Auburn University, Augusta State
University, Belmont Abbey College,
Benedict College, Berry College, Bre-
nau University, Brewton-Parker Col
lege, Campbell University, Claflin
University, Clark Atlanta University,
Clayton State University, College of
Coastal Georgia, College of Charles
ton, Columbus State University, Dar-
ton College, Edward Waters College,
Emmanuel College, Emory University
- Emory College & Oxford College,
Florida A & M University, Fort Val
ley State University, Georgia Army
National Guard, Georgia College &
State University, Georgia Military
College, Georgia Southern University,
Georgia Southwestern State College,
Georgia Student Finance Commis
sion, Georgia Tech, Gordon College,
Jacksonville State University, John
son & Wales University, Kennesaw
State University, LaGrange College,
Lees-McRae College, Mercer Univer
sity, Middle Georgia College, Univer-
EVEN IF YOU
LOSE YOUR JOB
YOU STILL HAVE CHOICES.
During difficult times, it’s easy to feel like things are out of
your control. So it’s essential to consider every financial
decision carefully, especially when it comes to your retire
ment savings.
Edward Jones can help. We’ll start by getting to know your
goals. Then we’ll sort through your current situation and
work with you face-to-face to develop a strategy that can
help you keep your retirement on track.
sity of Northwestern Ohio, Ogeechee
Technical College, Okefenokee Tech
nical College, Paine College, Pied
mont College, Presbyterian College,
Reinhardt College, Samford College,
Savannah College of Art & Design,
Savannah State University, Shorter
College, University of Beaufort South
Carolina, South Georgia College, Troy
University, Truett-McConnell College,
University of Georgia, Valdosta State
University, Virginia Military Institute
Warren Wilson College, Wesleyan Col
lege, Wofford College, and Young Har
ris College. □
Susan Kristina Powell
receives doctorate
Ms. Susan
(Tina) Pow
ell formerly
of St. Simons
Island, recent
ly completed
the Doctorate
of Education
al Leadership
and Orga
nizational
Management Susan Powell
from Nova Southeastern University in
Ft. Lauderdale, FI. Dr. Powell earned
her undergraduate degree in Journal
ism from Tift College in Forsyth, GA,
Master of Education degree from Troy
State University in Troy, Ala., and a
Specialist of Education degree from
Fischler School of Education in Ft.
Lauderdale, FI.
Dr. Susan Powell is the daughter
of Mrs. Nadine Powell of St. Simons
Island and the late Mr. Alvin M. (Mack)
Powell and resides in Cochran, Ga. □
To make sense of your retirement savings alternatives,
call your Edward Jones financial advisor today.
A.D. “Sonny” Doehring, AAMS
219 Edwards Plaza
St. Simons Island, GA 31522
(912) 634-0200
www.edwardjones.com
Member SIPC
Ed wani Jones
making athiiE gf investing
THE ISLANDER, OCTOBER 20, 2008, PAGE 3
Business Update
Economic Rescue Package
includes help for charities
• Provision permits tax-free
charitable transfers from IRAs
As part this month’s historic Emer
gency Economic Stabilization Act of
2008, the U.S. House of Representa
tives passed a two-year extension of
Charitable IRA legislation, making it
easier for Americans to give to causes
they care about.
The Charitable IRA provision, first
enacted in 2006 but sunset at the end
of 2007, has the power to help local
charities weather the current economic
crisis when federal and state monies
are shrinking while the need for their
services is increasing dramatically. The
extension will run through 2009.
In these financially turbulent times,
millions of Americans continue to save
pre-tax dollars in individual retirement
accounts (IRAs). Thanks to regular
investments and long-term returns, an
estimated $4.7 trillion is invested in
IRAs. The new law allows taxpayers
70 14 and older to share the wealth by
giving retirement savings directly to
charity—and bypassing income tax.
This new law will be a boon to
local charities that are experiencing
the effects of a tough economy. The tax
benefit expires December 31, 2009.
“For larger estates, a good portion
of IRA wealth goes to estate taxes and
income taxes of beneficiaries,” said Lee
Owen, community foundation director.
“Experts estimate heirs may receive
less than 50% of IRA assets that pass
through estates.”
A provision in the new federal law
extends an option: transferring IRA
assets directly to charity. By going
directly to a qualified public charity
such as the Communities of Coast
al Georgia Foundation, a community
foundation serving Glynn, McIntosh
and Camden counties, the money is
not included in the IRA owner’s income
and—most important—is not taxed,
preserving the full amount for chari
table purposes.
Diming 2008 and 2009 only, holders
of traditional IRAs who are at least
7014 years old can make direct chari
table transfers up to $100,000 per year.
Couples may each donate that amount.
The local community foundation can
help donors execute the transfers and
choose from several charitable fund
options for their gift. Donor Advised
Funds do not qualify for tax-free IRA
transfers.
The Communities of Coastal Geor
gia Foundation was established as a
regional community foundation in 2005
and offers a flexible, cost effective, and
tax efficient way for coastal Georgians
to address issues and support causes
with a strategic and lasting impact. □
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ask your doctor for a referral