New Flood Map Coming August Find out how changes affect you Special Flood Insurance Pullout April - May 2018 Pages 7-10 Mission Accomplished: IOH School Fiddlernauts Excel at Astronaut Challenge “Failure is not an option” are the words that defined the 2017-2018 Isle of Hope K8 School Student Astronaut Club’s journey. From the first day of practice, when over 70 students in the middle school signed up to be a part, until the very last day of the season…at the forefront of everyone’s mind, the goal was clear…make it back to the Student Astronaut Challenge National Finals to be held at NASA in February 2018. The season began in September with practices three days a week. Students studied and prepared for the Regional Challenge held at Richmond Hill Middle School. Eventually, 20 students competed and qualified two of the six Georgia teams moving on to the National Competition! In the span of four short months, the teams worked 12-18 hours a week, preparing to compete in four challenges – Launch to (continued on page 6) 1
Website: www.isleofhopenews.com Follow Us on Facebook https://www.facebook.com/isleofhopenewsletter/ Chris Brantley, Editor Isle of Hope News (chris@isleofhopenews.com) The Isle of Hope News is a bi-monthly publication serving Isle of Hope area residents and advertisers. It was started by Isle of Hope resident Ed Yannett in 2011 and mails to 2,400 residents in Isle of Hope, Dutch Island and surrounding areas. For information on advertising with us visit isleofhopenews.com/ advertise. If you want to submit an articlde go to isleofhopenews.com/submissions. To submit events, go to isleofhopenews.com/events. https://www.facebook.com/isleofhopenewsletter Cell: 655-9934—Office: 355-2142—Email: moonriveros@att.net Oliver B. Schroder, Jr. Lifelong Isle of Hope Resident CrossroadANIMAL HOSPITAL Ernest Compton, D.V.M. Melanie S. Bevere, D.V.M. Stuart Ann Goldberg, D.V.M. 1201 E. Montgomery Crossroad Savannah, GA 31406 (912) 927-4343 FAX (912) 927-2002 PALMS · TREES · SHRUBS · ANNUALS · PERENNIALS · TROPICALS · POTTERY Plans for Spring? Come to Herb Creek for all your landscaping needs. Herb Creek Sandfly 7402 Skidaway Rd. 912.691.0108 Herb Creek Thunderbolt 3005 E. Victory Dr. 912.356.1575 HERB CREEK LANDSCAPE SUPPLIES 2
IOH Pool Opens Memorial Day Weekend Get ready! Pool season is almost here and and here's some great news. You can join the Isle of Hope Pool for the same membership rate as last year • Family Membership (Immediate family members of a single household) - $360 • Individual Membership - $185 • Non-Member Water Aerobics and Adult Lap Swim Package - $150 (NOTE: All new Family or Individual members will be charged a one-time $100 new member initiation fee.) Go to www.iohpool.org to download a membership application or email iohpool@yahoo.com. The best way to keep up with all the pool activities is to follow the IOH Pool Facebook group. The IOH Pool is also starting a volunteer committee to raise funds for pool operations. If you're interested in joining email iohpool@yahoo.com. 3
IOH Marina Presents 4th Friday Series The Isle of Hope Marina is continuing its popular Pavilion Series, but this spring and summer the event will be held on the 4th Friday of every month. The next one is on April 27th from 6:30 PM until 10:00 PM. Chyann Rose from Statesboro, GA will perform live music. She enjoys performing Country music mixed with Southern Rock and Classics from the 50's, 60's & 70's. Tickets cost $7 for adults and $3 for kids and include food, soda and water. There is also a cash bar with beer and wine (cash or credit card accepted) Also, the event is free to boat slip holders and members of their household. If you choose to come by boat there's a $10 dockage fee. Stay updated on future performers and events by following the IOH Marina Facebook page at www. facebook.com/IOHMarina. 4
Opening Soon Grow Your Business Advertise in the www.isleofhopenews.com/advertise 912-927-9777 Climate Controlled, and Non-Climate Controlled 2130 Bona Bella Avenue, at Bona Bella & Skidaway Road Opening Late Spring 2018 Managed by Dyches Properties Get 50% Off Your First Month, With a 3-Month Prepayment Locally owned and operated by Isle of Hope resident Lisa Brantley Yannett Check out job listings & complete an online job application @ www.HorizonStaffing.com 7722 Waters Avenue Savannah, GA 31406 & Large Traps Oyster Cookers Small Traps 400 US HWY 80 West Pooler, GA 31322 912-355-5966 S O Clt Li f Cbbi Sli & Pi See Our Complete Line of Crabbing Supplies & Prices www.dalescrabtraps.com Clerical/Administrative Accountg/Financial Ports/Logistics Industrial/Warehouse Skilled Labor/Machine Operator 5
Astronaut Challenge (continued from the cover) to Land Challenge (Space Shuttle Atlantis Simulator), Landing Challenge (Space Shuttle Atlantis simulator), a Lab Challenge (Cleaning Up Space Junk) and an Engineering Challenge. The two teams came to be referred to as the “Bigs” and the “Littles”. The “Bigs” crew (7th/8th graders) was composed of three returning members from last year’s team and three new members – Owen Walsh, Jeaneva Moore, Jonah Tinfow, Ellie Nease, Grant Baxter, and Henry Fowler. The “Littles” simulator crew was composed of all 6th/7th grade girls (Nijma Lara, Heba Lara, Cameron Huggins, LaMyla Hill, SaRay Williams), and 6th grader Wesley Boyette was the “flyer” for the team. Alternates who prepared to compete for the teams, include Braylon Webster, Xavier Rodriguez, Kelsey McKinley, Siera Johnson, Keelyn Stroupe, and Teric Blackshear. Ms. Carolyn Rethwisch (Isle of Hope middle grades math/ science teacher), Dr. Barbara Serianni (College of Education at Armstrong/Georgia Southern), and Mr. Wade Smith (IOH STEAM Director/teacher) led the teams. Ms. Margaret Nease (Armstrong/Georgia Southern faculty member) worked with the “Bigs” on their research paper and skit for the lab presentation. The Landings community memKCD Pressure Cleaning Soft Wash & Professional Window Cleaning Residential & Commercial Houses / Decks / Driveways / Roofs / Pool Decks / Window Cleaning Call owner Keith Kilgore for an estimate today! 912.660.3179 KCDpressurecleaning@gmail.com 6 bers Bob and Carol Nickels provided encouragement each step of the way, and Bob worked with the “flyers” – students who would be competing by landing the Space Shuttle Atlantis either by “flying blind” (instruments only) every afternoon for weeks. Finally, Commander Shane Kimbrough (Shuttle Commander for International Space Station Mission #49 and #50) helped provide valuable insight and guidance for multiple aspects (continued on page 11) ment & Stillness healthy aging
Special Flood Insurance Supplement Savannah is a great place to live. Many residents love it because it is on the coast and there is water everywhere. But sometimes that can cause your home's value to go down? Why? Some homes sit in mandatory flood zones, meaning you have to carry flood insurance. And put simply, if a buyer has to pay hundreds or even thousands a year for flood insurance that affects how much house they can afford or are willing to pay for. Why Your Flood Zone May Change But relief is on the way for many of you. Thanks to some changes in the local flood map some homeowners, buyers, and sellers are in for a pleasant surprise. Your need for flood insurance could be reduced or eliminated completely. In February of 2018, FEMA gave the City of Savannah the Letter of Final Determination (LFD). This updated map takes effect on August 16, 2018. At that point, the new map can be used for flood determinations. So if your property is recategorized to another flood zone, you could potentially save money on your flood insurance. Why Flood Insurance is Important Federal law requires you to carry NFIP flood insurance on certain properties located in a flood hazard zone to get federal aid or loans from federally insured lenders. So if you plan to apply for, raise, extend or renew a federally insured loan (including a second mortgage, home equity loan or refinancing) you will have to prove you have flood insurance. What’s the NFIP? In 1968, Congress created the NFIP as a new way to deal with floods and flood damage. Up to that point, they had relied on constructing levees and providing federal disaster assistance. But now, with the NFIP, FEMA offers federally backed flood insurance to property owners and tenants in “participating communities.” These communities have agreed to regulate the use of land that’s likely to flood to decrease future flood-related losses. Any property in a participating community can receive NFIP insurance no matter what (Continued on Page 10) 7
Let Our Family Show Your FamilY The Way Home 5 of the last 6 homes we sold for OVER asking price! 100% or more of List Price! Call me 912-844-9000! Sold Sold Sold Sold Sold 1 Isle of Hope Trail – RARE Opportunity!! Bring your Dreams into Reality and Build your own custom home on IOH. 101 Dove Lane – New Listing! 1500 sqft 3 bedroom 2 bath. MOVE IN READY! New Roof, New Windows, Renovated and Ready to Move 1 Bransby Drive – Owner say Sell! This Isle Of Hope home HAS IT ALL!!! Checks ALL the BOXES!!! Huge Stand Alone Garage. Private Pool and Large Covered Patio Area. Lisa and Ed Yannett Direct: 912-596-4345 or 912-844-9000 Office: 912-356-5001 or 912-232-8580 To see these or other listings go to our website : MYHOMESAVANNAH.COM 8
How Flood Insurance Affects Home Loans Mortgage lenders consider seven items when analyzing housing debt to income ratios: • principle (amount of loan) • interest • homeowner’s insurance • flood insurance (if applicable) • property taxes • mortgage insurance (if applicable) • mandatory homeowner’s association dues (if applicable) Flood insurance is only factored into the equation if it's required, meaning that you're not in an X zone. If you're in an X zone but choose to have flood insurance, a lender is not going to hold that against you. How does Flood Insurance affect you when buying or selling a home? Let’s say, you and your neighbor have the same home listed, for the same price. The only difference is, your home is in a flood zone, which requires flood insurance. If that policy is $450 a year, that changes your monthly mortgage payment by $37.50 a month. As a home buyer, this means that you could finance $4,000-$8,000 more on a house with no flood insurance if financing for 30 years. (Continued on page 10) CONTACT KELLEY TODAY FOR YOUR HOME FINANCING NEEDS! Purchase, Refinance, Renovation, Construction, Jumbo, First Time Home Buyer, Investment Property, VA, FHA, USDA Kelley Sullivan SENIOR MORTGAGE BANKER (912) 844-2593 ksullivan@banksouth.com www.SavannahHomeLoan.com NMLS: 213216 Equal Housing Lender. BankSouth Mortgage Company, LLC. NMLS 690971. Terms subject to change without notice. Subject to credit and property approval. Property insurance, and if applicable, flood insurance required. January 2018. 9
Flood Insurance Home Loans High Prone and Frequent Flood Prone Areas IOH 1. Leghorn St. 2. Jacquelyn Dr. at LaRoche Ave. 3. Garland Dr. 4. Area Around Ferguson Ave 5. Aquatic Center Parking Lot (Continued from pg. 7) flood zone they are located in — and it is mandatory for all properties located in a Special Flood Hazard Area (“SFHA”) if they use federally insured financing. FEMA’s Flood Insurance Rate Maps FEMA has used flood hazard data to identify flood risk zones and create official Flood Insurance Rate Maps (“FIRMs”). • Participating communities use this flood mapping program to enforce floodplain management regulations. • Insurers use it to determine full-risk policy premium rates. • Federally regulated or insured lenders and federal agencies use it to determine when flood insurance is required to receive a loan or financial assistance. The Bottom Line To navigate flood map changes successfully and cost-effectively, Savannah homeowners need to keep up with modifications. They also need to work with a realtor wellversed in the details of flood insurance. When all is said and done, the cost of flood insurance can add to or take away from your purchasing power, so you should carefully evaluate it when buying a home. If you want to find out if your flood zone has changed the first thing you should do is contact your flood insurance provider. If you don't have one, give me a call at 912-844-9000 or email me edyannett@ kw.com. I can help you figure out any changes to your property and put you in touch with some of the flood insurance agents I work with. Ed Yannett is a Real Estate Agent with Keller Williams Coastal Area Partners. You can reach him at 912844-9000 or edyannett@ kw.com. (Continued from page 9) If you have the same scenario, but the flood insurance is $1,200 a year ($100 a month), on average, that is $14,000 - $20,000 more that you could finance for the same monthly payment. Flood insurance also affects your cash at closing. If the home is in a required flood zone, you must have the flood insurance escrowed, even if you opt out of having property taxes and/ or homeowner’s insurance escrowed. Flood insurance is still required to be escrowed and paid in full for one year before closing. Therefore, if your flood policy is $1,200 a year, you will be bringing about $1,400 more to closing. The good news is, the new flood maps will improve most of our flood premiums! This, in turn, will make more of our coastal homes more affordable and desirable. Please feel free to contact me with any and all of your mortgage questions and needs. Kelley Sullivan is a Senior Mortgage Banker at BankSouth Mortgage. You can reach her at 912844-2593 or ksullivan@ banksouth.com. 10
Astronaut Challenge (continued from page 6) of the competition. While students worked to gain the skills necessary to compete at a national level, the teams also worked to raise $12,500 to get them to the competition. Community partners stepped up to help. Bobcat of Savannah, SAME Engineers, Armstrong State University, McDonalds, Isle of Hope News, and many others – gave to support the cause. Then, the staff, faculty, and families of Isle of Hope School generously contributed over $7000.00. Coach Rethwisch reminded the students, “You do your jobs and the Isle of Hope Community will get you there.” Together, the mission was accomplished. The IOH Fiddlernauts left for NASA in Cape Canaveral, Florida on February 18th and competed against 12 other schools February 19th – 21st. The year previously (2016-2017), the IOH Fiddlernauts won 2ndplace in the Launch and Land Challenge. By the end of the second day of competition in 2018, Isle of Hope qualified BOTH teams’ simulator crews in the Semi-Finals…out of the top five teams in the nation, IOH had secured two spots! In the simulator semi-finals challenge, students must recognize and remediate life threatening emergencies. The IOH Fiddlernaut “Bigs,” once again qualified for the finals…securing one of the top three spots in the nation. The IOH “Bigs” also qualified for the Landing Finals (Owen Walsh and Henry Fowler)!! The night before the last day of competition was full of last minute preparations but in the midst of that preparation, the Fiddlernauts were surprised by a visit from NASA Commander Shane Kimbrough. “When your students meet their hero...the astronaut who has invested in them... the one they consider ‘their astronaut’,” explains Coach Rethwisch, “Then, he spends almost an hour with them...encouraging/congratulating them, answering questions, taking pictures and signing shirts/hats... everything you’ve worked so hard for becomes clear. As he spent time talking to our kids about those who inspired him (continued on page 14) Frank E. Scarbrough | D.M.D., F.A.C.O.M.S. • Michael C. Wilson | D.M.D., F.A.C.O.M.S. Dr. Paul M. Hinchey | D.M.D., M.D. Dual Board Certified Surgeons with combined 35 years of experience specializing in: Dental Implants, Wisdom Teeth Extractions, Comprehensive TMJ Treatment, Laser Procedures, Oral Pathology, Bone Grafts / Reconstruction, Dental Extractions, Facial Trauma, Jaw Surgery, Sleep Apnea, General Anesthesia, I.V. Sedations Serving Savannah for 19 years • 3i, Nobel, Zimmer, and BioHorizon implant systems consultants • Staff members at St. Joseph’s/Candler and Memorial University Medical Center, American Board of Oral & Maxillofacial Surgery • Fellows, American Association of Oral & Maxillofacial Surgeons 501 Eisenhower Dr. Savannah 912-354-1515 145 Traders Way, Suite A Pooler Pooler Parkway / Godley Station 912-748-4365 www.chathamoralsurgery.com 11 613 Towne Park Drive, W., Ste. 301 Rincon, GA 31326
Springtime Fun and Learning at Home Spring, a great time of year to get back into the sunshine and take advantage of teachable moments with your children. If you’re planning a flower, herb or vegetable garden, you have the perfect setting for learning across all content areas and grade levels. Math Math is an easy subject to tackle in the garden. How many seeds should you plant in the garden? It’s all about measurement – with a tape measure, measure the area of the garden. Then, look at the directions on the seed packet to find out how much space each seed will need to grow. Once you understand how many seeds you should plant, go back to the directions to find out how deep each seed should be planted. Use a ruler to space the seeds and to make holes for the seeds at the proper depth. Writing Keep a journal of how your garden is performing. Start with planting day, and write regularly about events that may affect the growth – rain, dry spells, insect infestation, theft by rabbit, etc. Looking back over the journal helps to gain a better understanding of what made the garden Education Matters Dino Papadopoulos, Owner & Executive Director Sylvan Learning successful or unsuccessful, and will inform next year’s planning. Science A garden holds a wealth of opportunities for experimentation. Do some fertilizers work better than others? What happens if the garden is watered every other day instead (Continued on page 13) 12
Springtime Learning - (Continued from page 12) of every day? Will thinning the plants result in a bigger harvest? Separate the garden into zones to examine the results of your experiment vs. the control group. Include journal writing to track the experiments and see which options are worth repeating in future years. Art Looking for a marker to remember what you planted where? Painting rocks with the name of each plant can be a beautiful addition to the garden. When everything is in bloom, capture the results with painting, sketching or photography. No matter which activities you choose, your children "If you have a garden and a library you have everything you need" - Cicero will make great memories while they learn. As Cicero said, “If you have a garden and a library, you have everything you need.” Please contact Sylvan Learning of Savannah if you have any questions about our tutors or programs! With our personalized learning plans, taught by our expert tutors, we deliver real results. We strive to enrich the lives of adults with memory loss through fellowship and engaging activities, while providing resources and support for families and caregivers in the Savannah community. For registered participants, Hope Arbor Respite Ministry operates Tuesdays and Thursdays from 10am -2pm. We have music, exercise, games, a hot lunch, and great friendship! Hope Arbor is $40.00 per day and participants must be independent in the following: walking, toileting, eating, and enjoy being in a group. Join us Tuesday mornings at 10:15 for our Caregiver Care Group located in room 226 in the Greenhouse. This is a support group offered for any family caregiver in the Savannah area. Experience fellowship with other caregivers while gaining tools and insights on how to better care for yourself while caring for your loved one. For more info, contact Brooke Chambers at Isle of Hope UMC bchambers@iohumc.com 355-8527 13
NASA (continued from page 11) - his grandfather and great men during the Apollo days – he was, in fact, continuing that circle, as he inspired our kids. It was an amazing experience to be a part of and I’m so thankful for his investment into their lives.” On the final day of competition, following the final challenge, the Isle of Hope Fiddlernauts headed to the award ceremony where they took home 2nd place in the nation in the Space Shuttle Simulator Launch to Land Challenge and 2nd place in the nation (losing by just 1 point) in the Landing Finals. The award, however, that Coach Carolyn Rethwisch is most proud of is the Apollo 13 Flight Team Award, given for the first time ever in competition. NASA Commander Shane Kimbrough Surprises the Fiddlernauts Over 35 Years Experience WITH YOUR OWN WELL WATER "As I think back to the last couple of days...this is the award I am most proud of,” explains Coach Rethwisch. “I will take 2nd place in every competition ever held, if my kids show up!” The Apollo 13 award is given to those who risk it all and work together. The plaque reads, ‘The Apollo 13 Flight Team Award... presented to the team that demonstrated the resilient spirit and teamwork exemplified by Astronauts Jim Lovell, Jack Swigert and Fred Haise of Apollo 13.’ These men are giants in aerospace history, the heroes of Shane Kimbrough who shared with the students that it was the Apollo program that helped inspire him to pursue the astronaut field. Coach Rethwisch says, “Last year we learned, ‘Failure is NOT an option.’ This year, our kids lived out that motto. We are so blessed to know them, teach them, and take this journey with them. We’re raising champions who give it their all…every single day. At Isle of Hope, we are raising young men and women of integrity...who pursue the unimaginable. It took a village this year to help us help our kids achieve their goals. I’m so thankful for our village and so blessed to be a part of the Fiddlernaut journey this year.” Thanks to IOH K-8 School for providing this article. 14
New Patient Special $149 Exam, Cleaning, X-Rays & Get $100 In-Office Bleaching When You Get Your Teethe Cleaned Call for Details No Dental Insurance? We have you covered. Ask us about our Premier In-HouseDental Plans! Helping you achieve your goals has always been ours Congratulations to R. Scott Howard and Chuck Sipple for being named to the 2018 Forbes “Best-in-State Wealth Advisors” list. Ketchum Howard Wealth Management Group Scott Howard, CFP® Senior Vice President Senior Financial Advisor 912.598.3811 robert_s_howard@ml.com The Sipple Buchman Cairns Team Chuck Sipple, CRPC® Senior Vice President Senior Financial Advisor 912.598.3805 charles_sippleiv@ml.com Merrill Lynch 3 Skidaway Village Square Savannah, GA 31411 Source: Forbes “Best-in-State Wealth Advisors” ranking was developed by SHOOK Research and is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC, and not representative nor indicative of any one client’s experience, future performance or investment outcome. Neither Forbes nor SHOOK Research receives compensation in exchange for placement on the ranking. Forbes is a trademark of Forbes Media LLC. All rights reserved. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value The Bull Symbol and Merrill Lynch are trademarks of Bank of America Corporation. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S. CRPC® is a registered service mark of The College for Financial Planning. © 2018 Bank of America Corporation. All rights reserved. ARJSNNYK | AD-04-18-0064 | 471003PM-0318 | 04/2018 15
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