Estate Planning Attorney inIsle of Palms, SC

Let's Talk!

Platform Lifts-phone-nuber 843-936-6680

Free Consultation

Securing Your Legacy in South
Carolina

Did you know that one in two U.S. citizens have yet to create a plan for their estate? Just about everyone knows they need to get their affairs in order, but most people procrastinate when it comes to estate planning. It's an uncomfortable subject to think about. After all, nobody wants to ponder their death and what happens to their assets when they pass. However, working with an estate planning lawyer in Isle of Palms, SC, protects you, your loved ones, and your assets, both while you're alive and after you have died. There isn't a perfect time to plan your estate, but there is a right time – and that time is now.

We understand that there is no "one-size-fits-all" solution to your estate planning needs. That's why, at CDH Law Firm, we make a concerted effort to speak with our clients personally so that we can create an estate plan that is as unique as they are. Our estate plans are comprehensive, cost-effective, and catered to you. That way, your family is provided if you are incapacitated or pass away.

At the end of the day, our goal is to make sure that every one of our clients leaves our office feeling less stressed and more informed. Peace of mind is valuable currency these days. Why worry about the future of your loved ones when you can use South Carolina law to ensure their stability?

Many of the clients in Isle of Palms that walk through our doors have significant questions that require serious answers. They're filled with doubt, stress, and worry. They're worried about their children, their spouse, their relatives, or all the above. They ask questions like:

  • How much does estate planning cost?
  • What kind of results can I expect?
  • How long will this process take?

If these questions sound familiar, know that you are not alone. At CDH Law Firm, we have worked with hundreds of clients just like you. Sometimes, these clients are unsatisfied with their current estate planning attorney in Isle of Palms. Other times, they have been served with confusing papers or documents that leave them feeling overwhelmed. In either case, clients come to our office knowing they need to manage what is often a sudden, foreign situation.

The good news? We sit down with all new clients for an hour at no extra cost. We do so to get a basic sense of their situation and help steer them in the right direction. That way, they can leave our office feeling a little wiser and a lot better about the future.

Estate Planning Law Isle Of Palms, SC
Service Areas

Our firm specializes in several areas of estate planning and family law, including:

  • Estate Planning
  • Last Will and Testament
  • Living Wills
  • Heath Care Power of Attorney
  • Living Wills
  • Irrevocable Trusts
  • Revocable Trusts
  • Retirement Trusts
  • Special Needs Trusts

The Cobb Dill & Hammett
Difference

At Cobb Dill & Hammett, LLC, estate planning is like second nature to us. Having worked hundreds upon hundreds of cases, we have the knowledge and experience to assist with all the estate planning needs that you or your family have.

As our client, you will always work directly with your attorney. We do not pass cases off to paralegals or junior associates. Because your concerns and questions don't end when our office closes, we encourage our clients to contact us at any time.

Because we limit the number of cases we accept, we have the time and resources to truly dedicate ourselves to each of our clients. Unlike some competitors, we care about the outcome of every case because we know that our clients' future depends on it.

 Estate Planning Attorney Isle Of Palms, SC The-Cobb-Dill-Hammett-Difference
rm-widget-icon.png

What Our Clients Say

What is Estate Planning in
Isle of Palms, SC?

The word "estate" might make you think of a sprawling mansion in the French countryside. The truth is, you don't have to be rich to have an estate. In fact, most people already have an estate. An estate comprises the assets that a person owns like cars, bank accounts, real estate, businesses, and other possessions. Everyone's estate is different, but we all have one thing in common: none of us can take our estates with us when we die. When that does eventually happen, you will need legal instructions that state who gets what from your estate in plain terms.That, in a nutshell, is estate planning – building a framework in advance that names the organizations or people that should receive your assets after you die. Planning your estate now helps make life much easier for your family down the line.

 Estate Planning Lawyer Isle Of Palms, SC
A good estate plan covers more than fiscal assets, however. A comprehensive
estate plan should include the following:
  • If you have children who are minors, instructions as to who will be their guardian when you die.
  • Long-term care insurance if you suffer from an extended injury or illness.
  • Instructions that dictate what happens to you and your financial affairs if you become incapacitated before death.
  • Instructions on the transfer of your business after retirement, incapacity, disability, or death.
  • Instructions on how to provide for loved ones who might need help managing money or who need protection from creditors.
  • Probate and tax avoidance that help minimize court fees, taxes, and legal fees.
  • Planning Medicaid payments.
  • Instructions that help complete or update beneficiary designations.
  • Assist family members who have special needs without disqualifying them from government benefits.

Contrary to popular belief, estate planning isn't just for adults who are approaching retirement age. Estate planning is for everyone. After all, we're all getting older, and none of us know exactly when it will be our time to go.

The Basics of Estate Planning
in Isle of Palms, SC

Although estate planning can be complicated, a well-rounded plan makes a huge difference in what is left to your beneficiaries. Before you start planning your estate, it's important to know a few common topics that may arise as you detail your needs.

1.

Working with a Tax Advisor and Estate Planning
Attorney in Isle of Palms, SC

Working with a veteran estate planning lawyer is a no-brainer, but you should consider working with a tax advisor too. Your attorney's role is to help guide you through the creation of your estate planning documents. Common documents include your will, health care directives, and power of attorney. Your tax advisor will help guide you through tax issues associated with your estate planning needs.

In this relationship, you make the decisions while your attorney and tax advisor help you understand and think through the options you're considering. As a team, they will help you state your wishes clearly while minimizing mistakes and adjusting your plans as they change. Because significant savings can result from thorough, informed planning, you should seriously consider working with a tax advisor in addition to your estate planning attorney.

 Divorce Attorney Isle Of Palms, SC
2.

Maximizing
Your Estate

If there were one overriding theme of estate planning, it would be maximizing what you plan to leave behind. Thinking through how each of your assets will be distributed is crucial to your estate. Your decisions may change depending on the type of asset, its size, how old you are, and several other factors. With an attorney on your side, you will gain a thorough understanding of what actions you should take to care for your family while minimizing expenses like taxes and court fees.

 Criminal Defense Attorney Isle Of Palms, SC
3.

Inheritance, Estate,
and Gift Taxes

One of the biggest parts of maximizing what you're leaving behind is to minimize taxes. Federal taxes on estates and gifts are incredibly high. Both forms of taxes usually have exemption limits, which means you can give up to a specific amount without being taxed. Your lawyer can achieve that by using the gift tax exemption to move assets while you are still alive. This strategy maximizes how much your beneficiaries will receive.

Inheritance taxes are often based on the value of your estate and paid prior to asset distribution to your beneficiaries.

 Personal Injury Attorney Isle Of Palms, SC

Choosing the
Executor of Your Will

The executor of your estate plays a key role in your affairs. Their responsibilities include carrying out the terms of your will and seeing the estate settlement process through until the end. Obviously, such a role demands a qualified person. Choosing your executor isn't an easy decision. The person you select should be great at managing money, be savvy financially, and show an ability to be patient. That's because the executor is tasked with:

  • Collecting Your Assets
  • Paying Outstanding Bills
  • Submitting Tax Returns
  • Petitioning the Court for Documents
  • Distributing Assets to Your Beneficiaries
 Law Firm Isle Of Palms, SC

If the person that you choose as executor is inexperienced with the estate settlement process, it is recommended that they lean on an estate planning attorney in Isle of Palms, SC for guidance. It should be noted that you may appoint more than a single executor to your estate. This is common when two individuals have complementary personalities or skill sets.

The Benefits of Estate Planning
in Isle of Palms, SC

One of the biggest benefits of planning your estate is the peace of mind it brings to you and your family. With the help of our expert estate planning attorneys, you have the power to protect your assets, privacy, and children's welfare. You can also potentially save money on taxes or even avoid probate. By having your wishes legally documented before death or incapacity, you can minimize any impact on your beneficiaries and take control of your legacy. Without a comprehensive estate plan, you're leaving the future of your loved ones in the hands of the South Carolina court system.

With an estate plan in place, you can plan for incapacity by using a power of attorney or advanced medical directives. Doing so relieves your loved ones of the burden of asking the court for the authority to fulfill your wishes.

At CDH Law Firm, we are committed to helping you prepare for both the expected and unexpected through years of experience and a fierce dedication to our clients. From establishing trusts to designing business succession plans, we are here to fight for you.

At CDH we offer a "Will Package" that includes 4 necessary documents.

If a husband and wife each purchase reciprocating will packages we give a discount. Reciprocating just means the husband names the wife and the wife names the husband. Those four documents are:

  • Last will and testament
  • Healthcare power of attorney
  • Durable power of attorney
  • living will
Free Consultation

Common Documents Included
in Your Estate Plan

As mentioned above, everyone's estate planning needs will be different. However, most plans include one or more of the following documents:

1.

Will

Your will is an essential piece of documentation and is often considered the cornerstone of a proper estate plan. Generally speaking, your will is a document that dictates the distribution of your assets after your death. Having an iron-clad will is one of the best ways to make sure that your wishes are communicated clearly. As is the case with most estate planning, it is highly recommended that you work with an estate planning attorney in Isle of Palms, SC, to create and update your will.

The contents of a will typically include:

  • Designation of the executor, who is responsible for adhering to the provisions of your will.
  • Designation of beneficiaries – the people who will be inheriting your assets
  • Instructions that dictate how and when your beneficiaries will receive assets.
  • Instructions that assign guardianship for any minor children.

Without a will in place, the State of South Carolina will decide how to distribute assets to your beneficiaries. Allowing the state to distribute your assets is often an unfavorable route to take, since the settlement process may not include what you had in mind for your survivors. Having a will drafted that reflects your wishes will prevent such a situation from happening.

 Attorney Isle Of Palms, SC
2.

Living Will

Despite its name, a living will does not instruct your survivors on what assets go where. Also called an advanced directive, your living will allows you to state your end-of-life medical wishes if you have become unable to communicate. This important document provides guidance to family members and doctors and solidifies certain issues like whether you should be resuscitated after an accident.

For example, it's common to direct that palliative care (care to decrease pain and suffering) always be administered if needed. Conversely, you may state that certain measures are not allowed, like CPR.

 Divorce Lawyer Isle Of Palms, SC
3.

Trusts

Traditionally, a trust is used to minimize estate taxes and maximize other benefits as part of a well-rounded estate plan. This fiduciary agreement lets a trustee hold your assets on behalf of your beneficiaries. There are many ways to arrange a trust to specify when and how your assets are distributed.

With a trust in place, your beneficiaries can avoid going to probate. That means they may be able to gain access to your assets quicker than when they are transferred with a standard will. Assets placed in a trust can pass outside of probate, which will save you and your family time, money, and stress.

There are two distinct trust categories that you should be aware of: revocable and irrevocable.

Estate Planning Law Isle Of Palms, SC

Revocable Trust:

Also called a living trust, a revocable trust helps assets circumvent probate. With this trust, you can control your assets while you are still alive. These trusts are flexible and may be dissolved at any point in time. This type of trust becomes irrevocable upon your death. Revocable trusts can help you avoid the pitfalls of probate but be aware that they are usually still taxable.

Irrevocable Trust:

This kind of trust transfers assets out of your estate so that they are not taxed and do not have to go through probate. However, once an irrevocable trust has been executed, it may not be altered. That means that once you establish this kind of trust, you lose control of its assets and cannot dissolve the trust. If your primary goal is to avoid taxes on your estate, setting up an irrevocable could be a wise choice.

When drafted with the help of an estate planning lawyer in Isle of Palms, SC, your trust can also:

Protect Your Legacy:

When constructed properly, a trust can protect your estate from your heirs' creditors. This can be a huge relief for beneficiaries who might need to brush up on money management skills.

Privacy and Probate:

Probate records are made available for public consumption. With a trust, you may have the choice of having your assets pass outside of probate court so that they remain private. In the process, you may also save money that you would lose to taxes and court fees.

Control Wealth:

Because you can specify the exact terms of a trust, you have more control over who receives your assets and when they receive them. As an example, you can set up a revocable trust so that your assets are attainable while you're alive. When you pass, remaining assets are distributed, even in complex situations involving children from multiple marriages.

The Top Estate Planning Law Firm in the Lowcountry

If you know that you need to provide for your family and loved ones after your death, it's time to develop your estate plan. With CDH Law Firm by your side, planning your estate doesn't have to be difficult. However, it does need to be accurate and executed exactly to your wishes – something that we have been helping clients achieve for years. Don't leave your legacy up to chance – contact our office today and secure your future generations.

CONTACT US

Latest News in Isle of Palms, SC

Drive-By Truckers announce new LP, share title track, touring with Lydia Loveless

Drive-By Truckers have announced their 14th album, Welcome 2 Club XIII, due July 3 via ATO (pre-order). The first single is the title track, an homage to the Muscle Shoals honky-tonk where DBT founders Patterson Hood and Mike Cooley's former band Adam’s House Cat got their start. "There were no cool bars in town and Club XIII was the best we had," Patterson said, "but it wasn’t all that good, and our band wasn’t...

Drive-By Truckers have announced their 14th album, Welcome 2 Club XIII, due July 3 via ATO (pre-order). The first single is the title track, an homage to the Muscle Shoals honky-tonk where DBT founders Patterson Hood and Mike Cooley's former band Adam’s House Cat got their start. "There were no cool bars in town and Club XIII was the best we had," Patterson said, "but it wasn’t all that good, and our band wasn’t particularly liked there. From time to time the owner would throw us a Wednesday night or let us open for a hair-metal band we were a terrible fit for, and everyone would hang out outside until we were done playing. It wasn’t very funny at the time, but it’s funny to us now."

"Cooley and I have been playing together for 37 years now," Patterson adds. "That first band might have failed miserably on a commercial level, but I’m really proud of what we did back then. It had a lot to do with who we ended up becoming."

The album was produced by longtime DBT collaborator David Barbe, and it features backing vocals by Margo Price, R.E.M.'s Mike Mills, and Schaefer Llana. Watch the Jason Shevchuk-directed video for the title track and check out the tracklist below.

DBT are also touring North America this spring with Lydia Loveless, including an Asbury Park show on April 29 at The Stone Pony. They've got another US run in the summer, including a Long Island show on August 8 at Patchogue Theatre (no opener announced). All dates are listed below.

TracklistThe DriverMaria’s Awful DisclosuresShake and PineWe will never wake you up in the morningWelcome 2 Club XIIIForged In Hell and Heaven SentEvery Single Storied FlameoutBilly Ringo In The DarkWilder Days

Drive-By Truckers -- 2022 Tour DatesAPRIL12 - Ponte Vedra, FL - Ponte Vedra Concert Hall *14 - Augusta, GA - Imperial Theatre *15 - Nashville, TN - Brooklyn Bowl Nashville *16 - Nashville, TN - Brooklyn Bowl Nashville *18 - Lexington, KY - The Burl (Outdoors) *20 - Ashland, KY - Paramount Arts Center *21 - Harrisburg, PA - Harrisburg Midtown Arts Center *22 - Syracuse, NY - Westcott Theater *23 - Ottawa, ON - Bronson Centre *24 - Toronto, ON - Danforth Music Hall *26 - Burlington, VT - Higher Ground *28 - Boston, MA Royale *29 - Asbury Park, NJ - Stone Pony *30 - Philadelphia, PA - Brooklyn Bowl Philadelphia *

MAY1 - Carrboro, NC - Cat’s Cradle *12 - Memphis, TN - Soundstage at Graceland13 - Natchez, MS - Mudbug Music Festival14 - Huntsville, AL - Orion Amphitheatre24 - Helsinki, Finland - Tavastia Club †26 - Stockholm, Sweden - Berns †27 - Oslo, Norway - Rockefeller †28 - Copenhagen, Denmark - Amager Bio †29 - Aarhus, Denmark - Train †31 - Hamburg, Germany - Markthalle †

JUNE1 - Berlin, Germany - Kesselhaus †2 - Koln, Germany - Kantine †3 - Antwerp, Belgium - De Roma †5 - Raalte, Netherlands - Ribs and Blues †6 - Amsterdam, Netherlands - Paradiso †7 - Brighton, UK - Chalk †8 - London, UK - O2 Forum †9 - Leeds, UK - Leeds University Stylus †11 - Dublin, Ireland - Vicar Street †12 - Glasgow, UK - SWG3 TV Studio †14 - Tilburg, Netherlands - 013 (Jupiler Zaal) †15 - Paris, France - La Maroquinerie †17 - Mendizabala, Vitoria-Gasteiz - Azkena Rock Festival19 - Eridge Park, UK - Black Deer Festival

JULY14 - Breckenridge, CO - Riverwalk Center15 - Denver, CO - Levitt Pavilion16 - Kansas City, MO - Knuckleheads19 - Omaha, NE - Falconwood Park20 - Minneapolis, MN - Utepils Brewing22 - Des Moines, IA - Hoyt Sherman Place23 - Dayton, OH - Dayton Masonic Center24 - Kalamazoo, MI - Bell’s Beer Garden27 - Fort Wayne, IN - The Clyde Theatre29 - St. Louis, MO - Open Highway Music Festival30 - Maryville, TN - The Shed31 - Wilmington, NC - Greenfield Lake Amphitheater

AUGUST2 - Virginia Beach, VA - Elevation 274 - Deerfield, MA - Tree House Brewing Company5 - Buffalo, NY - Town Ballroom8 - Patchogue, NY - Patchogue Theatre10 - Isle of Palms, SC - The Windjammer11 - Isle of Palms, SC - The Windjammer12 - Charlotte, NC - Neighborhood Theatre13 - Pelham, TN - The Caverns

SEPTEMBER16 - Louisville, KY - Bourbon & Beyond

* w/Special Guest Lydia Loveless† w/Special Guest Jerry Joseph

10 Islands off of South Carolina That are a Must-See

The beach is the main attraction for any tourist headed to South Carolina. While many beautiful islands off the coast are also popular spots, others remain more hidden gems. Whether you want to brave the sands and waters or enjoy a day full of shopping, food, and sightseeing, these islands have something for everyone.10. Goat IslandGoat Island is a small, uninhabited island off the coast of South Carolina. Thi...

The beach is the main attraction for any tourist headed to South Carolina. While many beautiful islands off the coast are also popular spots, others remain more hidden gems. Whether you want to brave the sands and waters or enjoy a day full of shopping, food, and sightseeing, these islands have something for everyone.

10. Goat Island

Goat Island is a small, uninhabited island off the coast of South Carolina. This tiny oasis features sandy beaches, grassy hills, and a variety of wildlife. Visitors to Goat Island can enjoy kayaking, fishing, hiking, and more. There is also a lighthouse that is open for tours just off the coast. The island got its name Goat Island because a local celebrity known as Bubba Love and his friends brings a few goats every summer and leave them there.

9. Isle of Palms

Isle of Palms is known for its amazing beaches and golf courses. The island is also great for fishing, boating, and windsurfing. You can find plenty of restaurants and bars on the island as well. Isle of Palms is a great place to relax and enjoy the beautiful scenery. One of the great things about this island is that they offer beach wheelchairs for free. So if you are disabled or you have a disabled loved one who needs to go to the beach, you can take them without any stress.

8. Sullivan’s Island

Often called “the jewel of the Lowcountry,” Sullivan’s Island is a beautiful place to visit, with plenty of activities to keep visitors busy. From swimming and surfing to kayaking, fishing, boating, and even horseback riding, there’s something for everyone in your family to do. If you’re looking for more than just a beach vacation, you’ll find plenty to do on this beautiful island. From taking in the history at Fort Moultrie and the lighthouse to enjoying several charming downtown shops and restaurants, any visit to Sullivan’s Island is an experience you won’t forget.

7. Folly Beach

Folly Beach is one of the islands that is a must-see for anyone visiting the area. This beach is located in the Charleston area and is a great place to relax and enjoy the beautiful scenery. The beach is also home to various shops and restaurants, making it an ideal place to spend the day. Folly Beach is well-known for its diverse landscape, with large dunes and flat areas perfect for sunbathing. The beach is also a great place to go fishing, as there are various fish that can be caught in the ocean waters. Other available activities include surfing, swimming, and kiteboarding.

6. Dewees Island

Dewees Island is a small, private island located just north of Charleston. This barrier island is only accessible by ferry and is 11 miles north of Charleston. According to Wikipedia, the island has an area of 1.875 square miles, which means that you can explore the whole island in just a day. The island has a lot of history to learn as it is home to civil war blockades, revolutionary war soldiers, and Indians. Visit the island today and have lots of fun while learning the history of the natives.

5. Deveaux Bank

Deveaux Bank is home to one of the most important bird rookeries in the country. The island is also a horseshoe-shaped barrier island that provides a great place to relax and enjoy the incredible views. Deveaux Bank is special because it is only accessible by boat. The island of Deveaux Bank has a rich history that dates back to the early 1800s. It was once home to a thriving community of oystermen and their families. The island was once called the “Oyster Capital of the World.” Today, Deveaux Bank is a beautiful island that has maintained its natural beauty. Visitors can enjoy exploring the island by kayaking or paddleboarding, or they can relax on the beach.

4. Fripp Island

Fripp Island is one of the most beautiful and luxurious islands. This 6.546 sq mi barrier island is filled with vacation homes, resorts, and a golf course. There are plenty of activities on the island for visitors to keep themselves busy such as biking, fishing, golfing, and swimming. The beaches on Fripp Island are also some of the best in the area and are perfect for a relaxing day of sunbathing. Whether you are looking for a relaxing day or an action-packed vacation, Fripp Island is the perfect place to visit.

3. Daufuskie Island

Number three on our list is Daufuskie Island. This island is only accessible by ferry and is a great place to get away from the hustle and bustle of everyday life. Once you are on the island, you can explore the many art galleries, take a nature walk, or relax on the beach. There are also several restaurants on the island, so you can enjoy a good meal while enjoying the quiet atmosphere of Daufuskie Island.

2. Edisto Island

Number two on the list is Edisto Island. Named after the Guale Indian word for “black water,” Edisto is a Lowcountry gem. With tens of miles of beach to explore, there’s plenty of room for fun in the sun. Along with miles of unspoiled beaches, there are also plenty of trails to wander and activities like kayaking to enjoy. Other notable attractions include the Edisto Memorial Gardens, the Historic Edisto Village, and the Edisto Island Serpentarium. According to the island website, the island also has emergency services. It does not mean they intend to get hurt, but if you need them, they are readily available.

1. Kiawah Island

Kiawah is a world-renowned island resort destination that is only a half-hour away from the city of Charleston. It has beautiful scenery, white sand beaches, and plenty of activities for visitors to enjoy. Some popular attractions on the island include its many golf courses, pristine water parks, and wildlife sanctuaries. Visitors can also enjoy kayaking, fishing, and biking on the many islands’ many trails.

Conclusion

South Carolina is known for its beautiful beaches and fascinating history. This list of the top ten must-see islands in South Carolina includes some great places that everyone should visit at least once in their lifetime. Whether you are looking for a relaxing beach vacation or an action-packed adventure, South Carolina has the perfect island destination for you.

Clemson LIFE holds ceremony for 2022 graduates

Download imageThe Clemson University Clemson LIFE program graduated 14 students during its recent commencement ceremony, which was held April 30 at NewSpring Church of Clemson.Clemson LIFE is a post-secondary education program for students with intellectual disabilities that prioritizes job skills and independent living. The recent ceremony allowed graduates to attend with faculty, staff, family and fri...

Download image

The Clemson University Clemson LIFE program graduated 14 students during its recent commencement ceremony, which was held April 30 at NewSpring Church of Clemson.

Clemson LIFE is a post-secondary education program for students with intellectual disabilities that prioritizes job skills and independent living. The recent ceremony allowed graduates to attend with faculty, staff, family and friends to celebrate the accomplishments of its new alumni.

The program welcomed special guests to the ceremony, including Clemson University President Jim Clements and Clemson University First Lady Beth Clements, who presented certificates and rings, respectively, to LIFE graduates. George J. Petersen, founding dean of the College of Education, and Joe Ryan, Sue Stanzione Distinguished Professor of Special Education, were also on hand to welcome students and their families to the event.

Eric Mac Lain, studio analyst for ESPN and the ACC Network and former Clemson student athlete, delivered the ceremony’s commencement address.

Learn more about all of the Clemson LIFE graduates, what they have planned after graduation and what they consider highlights of their time at Clemson in the LIFE program.

Frankie Antonelli

Mt. Pleasant, SC

Plans after graduation

I will be living in Clemson and continue working at Your Pie.

Favorite thing about Clemson LIFE

My favorite part of Clemson was being a manager for the Women’s Basketball team, and I made so many new friends.

Katie Beck

Charleston, SC

Plans after graduation

After graduation, I am going to spend more time hanging out with my family and get a job in Charleston.

Favorite thing about Clemson LIFE

My favorite thing about Clemson was meeting new friends and having roommates!

Graham Bitzer

Plans after graduation

I am staying in Clemson and working at the Shepherd Hotel and interviewing at Madren Center.

Favorite thing about Clemson LIFE

My favorite thing during my time at Clemson LIFE was joining a fraternity, BYX, and being the first Clemson LIFE student to partner with the Air Force ROTC.

Emily Parkey Ferguson

Atlanta, GA

Plans after graduation

I am moving into a new apartment in Clemson and working at the Shepherd Hotel.

Favorite thing about Clemson LIFE

I have loved everything about Clemson – from my teachers and roommates to tailgating and attending so many fun events!

Blakeley Kress

Houston, TX

Plans after graduation

I am staying in Clemson and working at TD’s and Sully Steamers.

Favorite thing about Clemson LIFE

My favorite part about being a part of Clemson LIFE was making lifelong friendships.

Bryson Marsh

Waco, TX

Plans after graduation

I am moving to Waco, Texas and working at Raising Canes.

Favorite thing about Clemson LIFE

My favorite part about Clemson was getting involved with FCA.

Grace Myatt

Isle of Palms, SC

Plans after graduation

I am moving to Isle of Palms and working at Harris Teeter.

Favorite thing about Clemson LIFE

My favorite part of Clemson LIFE was getting to meet Dabo!

Mary Catherine Price

Jefferson, GA

Plans after graduation

I am staying in Clemson living at U Centre and working at The Delish Sisters restaurant inside the Shepherd Hotel.

Favorite thing about Clemson LIFE

I loved having the opportunity to go to college – especially joining my sorority, Tri Delta!

Leah Shelton

Perry, GA

Plans after graduation

I am moving back home and can’t wait to find a new job with all the skills I have learned!

Favorite thing about Clemson LIFE

I had so much fun here because I had great teachers and friends.

Tanner Smith

St. Matthews, SC

Plans after graduation

I am staying in Clemson and working at the Shepherd Hotel.

Favorite thing about Clemson LIFE

My favorite part of being at Clemson was all the people I got to meet and build relationships with and my roommates.

Alana Spencer

Atlanta, GA

Plans after graduation

After graduation, I am going to look for a job and opportunities to dance.

Favorite thing about Clemson LIFE

My favorite part of Clemson was learning new skills, especially grocery shopping and cooking!

Tyler Trout

Atlanta, GA

Plans after graduation

I am staying in Clemson and working at Evolve, a restaurant downtown.

Favorite thing about Clemson LIFE

It’s hard to pick one favorite memory – I loved everything about my time at Clemson!

Allison Watry

Milton, GA

Plans after graduation

I am moving to Atlanta after graduation and working at an elementary school.

Favorite thing about Clemson LIFE

My favorite part of Clemson LIFE was meeting new people and all the fun activities – especially swim team!

Noah Wynne

Statesville, NC

Plans after graduation

I am staying in Clemson, moving into a new apartment and working at the Shepherd Hotel.

Favorite thing about Clemson LIFE

My favorite part of Clemson was meeting the football players and watching them play!

<div pseudo="-webkit-input-placeholder" id="placeholder" style="display: block !important;">Feedback</div><div></div>

Keeping it clean on Earth Day

Earth Day is here and it’s a perfect time to honor the beautiful outdoors that we enjoy on a daily basis in the Lowcountry. It’s a day to give thanks to the land that grows our food, and it’s a day to give back to our Mother Earth.Of all the many ways to give back to our environment, picking up litter is of high importance for me. Not only is it a pet peeve to see trash on the ground, but I see litter as being disrespectful to our natural surroundings. I also think about the animals that have to live amongst the litt...

Earth Day is here and it’s a perfect time to honor the beautiful outdoors that we enjoy on a daily basis in the Lowcountry. It’s a day to give thanks to the land that grows our food, and it’s a day to give back to our Mother Earth.

Of all the many ways to give back to our environment, picking up litter is of high importance for me. Not only is it a pet peeve to see trash on the ground, but I see litter as being disrespectful to our natural surroundings. I also think about the animals that have to live amongst the litter. When I see someone leave belongings behind at the beach, where do they think those will end up when the tide comes in? I think about the fish having to swim around and dodge soda cans or plastic cups.

How can we teach our children to be cognizant of the long-term detriments of litter? It is up to us as parents to show our children by example that keeping our planet clean is vital for maintaining the quality of life we enjoy for future generations.

From parks to rivers to beaches, opportunities abound year-round to get out with your family and get involved in cleaning up the community, including with various service groups.

Here are some local organizations that host litter cleanups in the Charleston area:

Keep Charleston Beautiful: An affiliate of Keep America Beautiful and Palmetto Pride, Keep Charleston Beautiful hosts a number of cleanup events in Charleston throughout the year and will also assist a group sponsoring a cleanup event.

Community Pride: Established in 1966, Community Pride Inc. of Charleston County coordinates and promotes Adopt-A-Highway cleanup efforts across the county and hosts six litter sweep dates throughout the year.

S.C. Sea Grant Consortium: The Beach Sweep/River Sweep is always held in September. This is South Carolina’s largest one-day volunteer waterway cleanup event.

Palmetto Pride: The Francis Marion National Forest Cleanup effort is one of the most successful cleanup programs that Palmetto Pride sponsors and it takes place every February. They also sponsor programs like Clean Teams, Palmetto Prideways and the Great American Cleanup.

Charleston Parks Conservancy: Trash along the West Ashley Greenway became one of the major focuses of this conservancy that is responsible for caring for the city parks in Charleston.

Isle of Palms Cleanup Crew: This local crew holds spring litter sweeps every other Monday from 6-7 p.m. on April 25, May 9 and May 23. Before each spring sweep, individuals and groups can attend a 5:30 p.m. welcome session when volunteers can learn more from Isle of Palms Cleanup Crew and the South Carolina Aquarium’s conservation team about the litter problem, its ecological impact and solutions. The spring welcome sessions are a great opportunity for groups from schools, civic organizations and businesses to get engaged. As the busy beach season heats up, Isle of Palms Cleanup Crew will hold sweeps weekly, Memorial Day to Labor Day, from 6-7 p.m. No advance registration is required, but if you have a large group coming, email Susan Hill Smith at susanhillsmith@gmail.com with information about your group and a head count estimate. The group meets at the beach access at the 1100 block of Ocean Boulevard on Front Beach, tucked between the City of Isle of Palms showers and facilities, next to Coconut Joe’s. Reusable buckets, bags, gloves, clipboards, pens and data collection sheets are provided. Each volunteer is offered a free IOP Cleanup Crew magnet that’s good for free parking during future sweeps.

Ukrainian corn production likely down 50%

ISLE OF PALMS, SC. — Though futures markets already have priced in uncertainty tied to the ongoing Russia-Ukraine conflict, grain markets the world over will truly begin to feel the impact of supply deficits on the global wheat and corn balance sheets beginning in August and September.How a three-million-tonne global wheat supply deficit plays out is largely dependent on how the rest of the world treats Russia financially. But for corn, the principal uncertainties lie in Ukrainian farmers’ ability to procure enough diesel ...

ISLE OF PALMS, SC. — Though futures markets already have priced in uncertainty tied to the ongoing Russia-Ukraine conflict, grain markets the world over will truly begin to feel the impact of supply deficits on the global wheat and corn balance sheets beginning in August and September.

How a three-million-tonne global wheat supply deficit plays out is largely dependent on how the rest of the world treats Russia financially. But for corn, the principal uncertainties lie in Ukrainian farmers’ ability to procure enough diesel fuel, fertilizer and labor to seed the crop.

These global outlooks were the central focus of market research analyst Joe Lardy’s presentation earlier this month at the North American Millers’ Association 2022 Spring Conference. Mr. Lardy honed his expertise in the commodities over a 25-year career in grain, initially as a trader with Cargill, Minneapolis, and for the past eight years with CHS Hedging, Inver Grove Heights, Minn.

“The way I look at markets, I’m up at the space station, looking at markets at a super-high level,” Mr. Lardy said. “Sometimes I feel like Tony Stark in ‘Iron Man’ with his giant movable touchscreen computer as I try to bring the perspective of what’s happening here and here and here and what’s interconnecting them.”

The spring session at Wild Dunes Resort in Isle of Palms, SC, provided milling and non-milling members of NAMA background information and analysis on wheat, a commodity in which Russia and Ukraine provide 14% of global supply, and corn, production of which is important to Ukraine but negligible in Russia.

Ukraine, one of the biggest countries in Europe and the 45th largest in the world, features a land area roughly the size of the US Midwestern states stretching from Chicago to central Kansas to Nashville tup to northwestern Ohio. Half of that land is devoted to agricultural endeavors that employ about 15% of the population compared with 3% of the US population. Wheat is produced throughout Ukraine, but most production takes place in the eastern areas, currently a hot spot for fighting, Mr. Lardy said. That’s unfortunate for grain since the region is a key southerly logistical route for crops to ocean-going ports, which are closed indefinitely and will require extensive rebuilding.

“Even if a peace treaty was signed tomorrow, there’s infrastructure that has been damaged and going to need to be replaced,” Mr. Lardy said. “The longer the war goes on, certainly the more destruction takes place, but there’s still going to be this period after the fact that’s still going to take a lot of time to get resolved.”

The USDA has reduced production and export projections in Ukraine for the current marketing year but eliminated neither. That’s because Ukraine already shifted a significant portion of its wheat crop before Russia invaded, Mr. Lardy said. Whatever remains in storage has the advantage of most easily feeding the populace compared with corn, which feed animal in an intermediary step toward feeding people. As for new crop, Ukraine is a few months out from a winter wheat harvest and, under normal circumstances, their supplies would hit the market in July-September. This year, Ukraine likely won’t be able to sell or ship any wheat in that period.

“We can see this on paper now, but when are we really going to start to feel the impact of this?” Mr. Lardy asked. “When the boats aren’t there, when the product doesn’t arrive, when people reach for the panic button, that’s when we’re really going to start to feel the lack of those shipments really kicking in.”

On the other side of the territorial dispute sits Russia, which turned wheat into a front-and-center commodity over the past decade since the country was stung by depressed oil prices. Most Russian wheat is grown in its western region, adjacent to the conflict. As a major exporter of wheat, Russia now factors heavily into the “world grid” of supply, Mr. Lardy said, but the flow of wheat remains in a war-time haze for now. The USDA lowered Russian wheat export expectations by 3 million tonnes, to 32 million tonnes in February. To date, restrictions imposed on Russian exports by the United States and many other countries have yet to curtail their exports of food and fertilizer, he said.

“Is Russia going to be able to continue to export and have that system operate?” Mr. Lardy asked. “If they don’t, that changes the whole dynamic. And we’ve seen the futures market react, pricing in the uncertainty. But it has not priced in a calamity. The US futures market has suddenly become the international market for wheat prices. The Chicago Board of Trade represents 4% of the world’s wheat. But right now, it’s getting all the trade, it’s acting like it is the benchmark of world wheat prices. Rightfully, it probably should. There needs to be this risk premium in the market because if you take out one of the leading exporters in the world, where does that gap get filled?”

At least in part by Australia and India, Mr. Lardy said. In the case of the latter, India historically hasn’t exported much wheat. But its crop is considerable and the country is looking to significantly increase its presence in the world market, Mr. Lardy said. At the same time, China was expected to lift Russian import restrictions and provide a potential home for excess Russian capacity. If China takes in more Russian wheat, that leaves Australian wheat to go other places, he said.

But no matter how some wheat supplies find homes via atypical lanes and bring the market into relative equilibrium, the global wheat balance sheet is going to have some holes in it, he said. How the rest of the world treats Russia in terms of its financing is expected to dictate the path forward for the next crop year, Mr. Lardy said.

“The more severe the sanctions, the bigger the hole in the grid is going to be, and the bigger the hole, the firmer the price is going to be,” he said. “Every impact from this war is kicked down the road. The market has priced in the uncertainty. The 2022-23 crop is a calamity, and we don’t know how to price that yet. I don’t see markets going down until we see a signed peace treaty, and then I think we take a substantial chunk out of the wheat market the day that happens.”

So small is Russia’s corn production it doesn’t factor into the world grid, Mr. Lardy said. In Ukraine, unlike its wheat crop, corn grows largely in the northern and central regions that aren’t under Russian occupation and are outside the key fighting areas. Thus, the biggest unknowns as Mr. Lardy sees them are whether Ukrainian farmers can find enough supplies and labor to plant the crop in spring. Seventy per cent of Ukraine’s diesel fuel was supplied by Russia prior to the start of fighting, Mr. Lardy said. The availability of inputs such as fertilizer, also a major export from Russia, is in doubt, as is labor, though for far different reasons than in the United States.

“To me, the manpower aspect is a greater concern,” he said. “If you have able-bodied people, are they going to be planting crops or are they going to be fighting? What I think is going to happen, longer term, is that Ukraine is just going to be sitting on a stockpile of corn. So, whatever they can’t export, they’ll keep and as long as it doesn’t get destroyed, they’ll have it.

“Is their production going to be down this year? Absolutely. You can probably cut Ukrainian corn production in half this year. That’s a significant hit. However, they’re going to have a lot of stock left over. If this conflict doesn’t persist for years, when Ukraine comes back to the market, they should probably have a decent exportable surplus. The Ukraine problem isn’t a right-now problem, it’s a big-time next-year problem. Are they going to be able to harvest soon, and are they going to be able to get their corn crop in the ground?”

Another war-time impact to consider is sunflowers. Ukraine is the biggest global sunflower exporter in the world at 46% of the world market.

“They’re huge in sunflowers,” Mr. Lardy said. “Sometimes there are things we normally don’t hear about, see or talk a lot about, but that can have a major impact, especially if, as in this example, you’re impacted by sunflower oil and seeds. That could be a big loss for the world grid.”

Russia’s importance to crop inputs such as fertilizer — it provides 44% of the global supply of potash — and South America’s ability to source it for the upcoming crop will be an important factor to watch, Mr. Lardy told the NAMA millers. Potash and urea price spikes were noted as far back as July 2021, six months before the Ukraine conflict. Prices made a significant bump then and took off substantially when the conflict began.

“The Southern Hemisphere is going to start their growing season soon,” Mr. Lardy said. “July and August are the key import times for fertilizers into South America. In a couple months, we’re going to have a pretty good understanding of what South America’s going to be facing in terms of their fertilizer availabilities. What South America has to apply will be huge on what their yields are next year. The world grid needs South America to produce a good crop.”

And tight world corn supplies mean we can’t afford a corn crop failure here in the United States, either, Mr. Lardy said. US farmers balked at high fertilizer prices but purchased them anyway after weighing it against good margins and high futures prices on corn, he said.

“Our farmers and producers said prices are so high,” he said. “Well, we’ve got pretty expensive corn. It pencils. There was some griping, of course, but they’ve bought it and put it down. Our balance sheets are tight, but we’re setting up OK in terms of availability. We’ve got seed, we’ve got fuel, we just need Mother Nature to cooperate.”

Disclaimer:

This website publishes news articles that contain copyrighted material whose use has not been specifically authorized by the copyright owner. The non-commercial use of these news articles for the purposes of local news reporting constitutes "Fair Use" of the copyrighted materials as provided for in Section 107 of the US Copyright Law.