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Worldwide Country Discovery #10 Ready 4 Boarding

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Ready To Pick You Up Anywhere Anytime

Worldwide Country Discovery Ten has only 4 seats open as of right now. I take this opportunity to invite you to join us on our Adventure finding Disc Jockeys eager to playlist our artists new music, worldwide on their radio show playlists. As we fly from Disc Jockey to Disc Jockey, Radio Station to Radio Station we can pick you up anytime anywhere, just let us know that you would want to join us on our Discovery 10 Voyage. We will gladly turn Discovery Ten around and come back and pick you up so that you can join us on this wonderful adventure. We are on a mission to get our artists music played on the radio.

Only four Seats available

Only four Seats available

Join us today and you will be on your own CD sleeve as above. The total cost of this whole promotion is $75 which includes guaranteed airplay on WHIR Wildhorse Internet Radio for 6 months, plus a whole bunch of extra promo’s lasting months after you have forgotten about your investment.

Jim Rose Remembers Radio Friday August 14, 2015

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August 14, 2015 [Friday] Issue #1433

ALL THE NEWS THAT IS NEWS

TURN OUT THE LIGHTS THE PARTY’S OVER In the early 1950s, Mr. Touchdown is USC’s All-America running back/defensive back Frank Gifford. After his 1964 season, Frank retires from his 12th year in the NFL, all with the NY Giants. For eight years he is on ABC’s TV’s Monday Night Football with Don Meredith and Howard Cosell. In 1995, Frank receives the Pete Rozelle Award for his contributions to radio and TV in pro football. ‎On Sunday, August 9, 2015 NFL star/sports broadcaster Frank Gifford dies of natural causes at 84.

IF YOU THINK THIS ISSUE OF JRRR IS WORTH READING…Please forward this entire issue to five of your friends and associates! To subscribe to Jim Rose Remembers Radio send your full Name, City, State and Country of residence plus email address to Rosekkkj@earthlink.net.

MORNING DJ BITTEN BY BEATLES BUG SUCCUMBS At 12 years old, The Beatles bug bites Scott Alan Friedman. The thrill of local DJs on remote broadcasts entices him into a remarkable radio career. As Scott McKenzie, his 36-year radio career includes stops on WTHZ FM (94.1) Tallahassee, FL and WZOU FM (94.5) Boston, MA. Since 1991, Scott is morning host on WXGT FM (Mix 105.1) in his hometown Columbus, OH. On August 11, 2015 non-Hodgkin’s lymphoma ends 59 year old Scott McKenzie’s brilliant radio career.

OKIE RADIO GOES SONIC Chuck Geiger replaces Win Patton as PD/Morning Personality on LKCM Country KKAJ FM (95.7) Ardmore, OK. Win passes away in March 2015 after a bout with cancer. Chuck leaves behind Townsquare Media Cheyenne, WY as OM over Country KLEN FM (106.3), News/Talk KGAB-650 and Classic Rock KING FM (101.9). Geiger launches Sonic Sound voice tracking at his new post in Ardmore. Reach Chuck Geiger at provencountrypd@gmail.com.

ELKINS INSTITUTE RADIO FLIPS FOR DALLAS In 1950, Elkins Institute of Radio founds KVTT FM (The Voice of Texas Trade School 88.5). In 1964, in our Elkins Institute of Radio class on Inwood Road in Dallas, TX we remember our radio station control room pretend call letters KEIR. During the late 1960s to early 1970s KVTT FM moves to 91.7. On October 1, 2009, KVTT FM flips calls to KKXT. On November 9, 2009 KKXT FM becomes Adult Alternative. In 2015, Amy Miller ousts Mark Abuzzahab as KKXT FM PD.

TRIVIA QUESTION: When does Quiz Kids air on radio? The answer appears below.

MOVERS AND SHAKERS

•VILCOM INTERACTIVE MEDIA sells News/Talk WCHL-1360/W250BP FM (97.9) Chapel Hill, NC in a bankruptcy auction to the Leslie Rudd Investment Company on ‎Friday, ‎August ‎7, ‎2015. •CHUCK EDWARDS afternoon host since 1999 replaces Dr. Don Carpenter as morning host on CBS Country WYCD FM (99.5) Detroit, MI.•JIM LYNAM long time Chicago, IL radio vet stricken with a sudden aortic dissection undergoes emergency heart surgery on Monday night, but passes away early Tuesday morning, August 4, 2015.

ENTERTAINMENT AND NEWS MILESTONES

•1958 GLADYS L. PRESLEY Elvis Presley’s mom dies at 46 on August 14th. •1967 MICHAEL KNOX Producer of Trace Adkins’ This Ain’t No Love Song is born on August 13th in Macon, GA. •1971 FRANCE performs nuclear test on August 14th. •1988 KEITH WHITLEY’s Don’t Close Your Eyes is his first #1 Country single on August 13th. •1992 JOHN J. SIRICA Watergate Judge dies at 88 on August 14th. •2007 LUKE BRYAN’s debut album, I’ll Stay Me releases on August 14th on Capitol records.

EMAILS YES WE HAVE EMAIL

JACK PARNELL [former Program Director WHBQ-560] (Memphis, TN) You are 100 percent there! I was pd at a very big top 40 station, and we’d been #1 for about 3 years. I heard thru the office chatter that the sales manager had ok’d a contract with a local company to run a sponsored golf tips 5 minute program every morning at 7:30 and every afternoon at 4:30…boy those young listeners would’ve loved that! (this was in the 60s). I confronted the sales manager, who admitted that it had been sold, and I simply said: “Well it looks like you’re gonna have to UNsell it…it’ll kill our ratings”. He of course didn’t want to hear that, so we had to take it to the GM, who had been the station bean-counter. He turned it down flat…we never ran them. The GM was loaded with common sense! My contention was always: “If the programming is right, the sales will come”.

WHERE DO YOU READ JRRR? Tell us how far away from Houston, TX that you read JRRR. Got a news tip or a question? Send your full Name, City, State and Country of residence to Rosekkkj@earthlink.net.

KEN DOWE [CEO #1 KKDA FM / EVP McLendon Corp. #1 KLIF-1190] (Dallas, TX) Subject: Sam Hale passes away… I received this news tonight. Ken – Sam’s Dearest Friends– After battling ill health since suffering sudden cardiac arrest in 2006, the end has come for our dear friend Sam Hale. We apologize for this impersonal notification but you were on a list that Sam prepared to be informed. kd

NEWS BREAKS! JRRR NOW IN LYNN WOOLLEY’s WBDaily (www.wbdaily.com/) in the Radio and Television Categories section. CATCH JRRR IN RECORD WORLD MAGAZINE! Click on the links pagewww.recordworldmagazine.com/Links.html and go right to Jim Rose. CASH BOX MAGAZINE FEATURES JRRR EVERYDAY ALL WEEK LONG http://cashboxmagazine.com/ Click the Jim Rose Remembers Radio Banner on the Home Page. MEDIA CONFIDENTIAL ‘Liked’ Links http://mediaconfidential.blogspot.com/JRRR is in RadioDX. Click http://radionx.com/radio-blog-news/. Send Your Radio News And Comments ToRosekkkj@earthlink.net.

DR. JEFF CUNNINGHAM [ex KXOL-1360] (Austin-Kyle, TX) Hey, Jim. I don’t know if you caught this but I totally missed it. Peggy Sears, from Peck and Peggy and later on KVIL, has passed. (www.dallasnews.com/obituary-headlines/20150728-peggy-sears-newman-longtime-dallas-radio-personality-dies-at-61.ece#commentsDiv) Jeff Cunningham, DC, MA Kyle, TX (www.zoesplaceclinic.com) / (www.myspace.com/drjeffcunningham)

TRIVIA ANSWER: On June 28, 1940 popular radio series Quiz Kids debuts on NBC from Chicago, IL with Alka-Seltzer as its first sponsor. Chicago public relations and advertising rep Louis G. Cowan is its creator. Quiz Kids continues on the radio for the next 13 years. From July 6, 1949 to July 5, 1953 Quiz Kids is on NBC TV and CBS TV with Joe Kelly as quizmaster. On radio once again from January 12 to September 27, 1956 with Clifton Fadiman as host.

DON SUNDEEN [DJ/Liberty & Hi Records promotion/TV ad production] (Dallas, TX) Subject: The “Wrecking Crew” doc finally being released. When I was working for Liberty Records the Wrecking Crew played on most of our stuff and was produced by the great Snuff Garrett, a Dallas boy. They also did a lot of work with Phil Spector, including Sonny and Cher’s “I’ve got you babe.” Some of the Liberty acts whose records they played on include: Bobby Vee, Johnny Burnette, Gene McDaniels, Buddy Knox, Walter Brennan, Gary Lewis & the Playboys, Del Shannon. Eighteen years in the making, the documentary “The Wrecking Crew” will be released to a limited number of theaters, followed soon after by DVD and video on demand (VOD). It’s about a session group back in the ’60s and ’70 that backed up many of the top acts of that era. Delays in completion of the 95 minute film were due to procurement of usage rights for dozens of songs, along with a funding campaign through Kickstarter. Magnolia Pictures’ “The Wrecking Crew” is directed by Denny Tedesco, son of Tommy Tedesco, the group’s guitarist. Check out the movie trailer below:http://youtu.be/hhl-3EOYTkc

GRACE SLICK [Jefferson Airplane lead singer] (October 30, 1939 – p) I like being in a recording studio. I like watching a song go from the simplicity of the original music.

Jim Rose and Suzie
Houston, Texas – Laus Deo

Rhon’s Early Morning Inspiration For Friday

RhonsInspirationDaily2014Rhonnie Scheuerman’s Friday Morning Inspiration For All In Need Of Some

MaritzOriginalLetters2015Friday

With writing my INSPIRATIONAL  columns, I get many requests from men and women around the world.  In the last few months folks have asked me questions about HELP FOR   SENIORS,  I did my research and hope many will benefit from what I found….If you have material to help our Seniors, I welcome receiving it, and will include it in one of my  columns. Rhon

  ‘Security for our future years’

For some folks who NEED the security NOW !!!!!!!!! 

By Elizabeth Sheer 

Yes!! We've won!Social Security payments are the primary source of income for many retirees. Nearly one-third of respondents to a 2013 survey by the Federal Reserve indicated that they had no retirement savings. Whether Social Security will be your sole means of support or a source of pocket change, it’s a good idea to strategize how to get the most out of your benefits — before you hit retirement age.

Work for 35 Years or More. Throughout your working years, the Federal InsuranceContributions Act (FICA, as it appears on your pay stub) taxes part of your wages that count as credit toward Social Security. The Social Security Administration determines your monthly benefits based on how much you earned during your 35 highest grossing years before you file a claim. The calculation also factors in your age and the number of years you worked. The result is known as the primary insurance amount, or PIA. Check the official online estimator to see how these numbers work out for you.

Wait Until Full Retirement Age. In a

recent survey by MassMutual Life Insurance Co., more than 70 percent of respondents incorrectly assumed the retirement age was 65. Full retirement age is 66 for people born between 1943 and 1954 and rises incrementally to 67 for those born in 1960 and after. Although you can start collecting Social Security benefits when you turn 62, the amount of your monthly payment is reduced permanently by 25 percent.

Delay Until Age 70. The maximum payout at full retirement age is $2,663 a month in 2015. But most financial planning experts recommend waiting even longer to start receiving benefits. For each year you hold off beyond 66 or 67 up to the maximum age of 70, the size of your monthly payment increases 8 percent. Once the benefit stream starts flowing, regardless of your age, there is no turning back; you cannot change your mind.

Maximize Lifetime Benefits. The first Social Security payout is the baseline for what you will receive every month thereafter. Each October, the Social Security Administration calculates a cost of living adjustment, based on changes in the federal consumer price index, and increases your monthly benefit accordingly for the following year. In 2015, the adjustment amounted to 1.7 percent. When you delay Social Security payments beyond the minimum retirement age of 62, the cost of living adjustments you “missed” are factored into the benefit you ultimately receive.

Consider Your Life Expectancy. The decision to stop working is, of course, a very personal one. There are many factors to consider when assessing the right time to push “go” on Social Security, including the question with an unknowable answer: How long will you live? Although waiting longer to collect benefits increases the monthly payout, it may not make sense for you. If your health is poor, it may be more prudent to start receiving Social Security now. And if you find yourself in financial straits once you hit retirement age, collecting a smaller benefit for a longer period might be the wiser (and necessary) choice.

Bridge the Gap. It’s possible to retire at 62, delay collecting Social Security, and still maximize your financial situation. Depending on the size and nature of your retirement savings, you could draw on investments, particularly those made through a tax-deferred account such as a traditional IRA or 401(k), until Social Security checks start flowing. Research by a consulting firm that partners with Kiplinger suggests that waiting on Social Security could be more beneficial than limiting withdrawals from a private retirement account. That is, you would wind up with a larger Social Security benefit and likely extend the longevity of your retirement account. This is a very complicated calculation that depends in part on the type of investments you have and is best discussed with a financial planning professional.

Limit Post-Retirement Earnings. You can keep your job after hitting age 62 and still collect Social Security, but there is a penalty for doing so. Until you reach full retirement age, the Social Security Administration will deduct $1 from your benefit for every $2 you earn above $15,720. If you are working the year you reach full retirement age (66 or 67), it will deduct $1 for every $3 earned above $41,880 before your birth month. These deductions are temporary; when you stop working, the agency will recalculate your benefit based on earnings and the benefits withheld. If you work beyond full retirement age, you can collect the full benefit regardless how much you earn.

Claim Spousal Benefits First. Being married has its advantages as far as Social Security is concerned. When one spouse files for benefits, the other may collect up to half that amount, assuming both spouses are at least 62. This is a boon to couples where one spouse didn’t earn any credits toward Social Security or earned significantly less than the other. For example, if a husband and wife retire at 66 with full retirement benefits — she at $1,500 a month and he at $600 a month — he can file for spousal benefits worth $750 instead of his own Social Security. Meanwhile, the value of his benefits continue to increase until age 70; at that point, he will receive the greater of the two. Note that spousal benefits are reduced for people younger than full retirement age.

‘File and Suspend.’ This tactic for maximizing spousal benefits pays off most when one half of the couple has reached full retirement age with accrued earnings that exceed those of the other spouse. The high-income earner can file for Social Security and immediately suspend the benefits flow. The lower-earning spouse, who must be at least 62, can then file for spousal benefits while the value of the higher earner’s benefits continue to grow until he or she reinstates the claim (ideally at age 70).

Apply for Survivors Benefits. A surviving spouse at least 60 years old can collect a percentage of a deceased spouse’s benefit. By waiting until full retirement age, the surviving spouse would receive a higher benefit — up to 100 percent of the deceased’s benefit, depending how old the deceased was when Social Security payments started. Survivor benefits are available even if the deceased was not yet receiving checks from the Social Security Administration. If both spouses are retired and collecting Social Security, the higher benefit is the one that endures regardless which half of the couple lives longest.

Minimize Your Tax Burden. Once Social Security benefits kick in, recipients with income over certain thresholds must pay the tax man. (Income here includes variables such as wages, capital gains, dividends and interest payments, payouts from retirement accounts, and one-half of Social Security benefits.) A married couple with income between $32,000 and $44,000 owes taxes on up to half the value of their Social Security benefits. Income exceeding $44,000 incurs taxes up to 85 percent of the annual benefit. For single recipients, the outside income thresholds are $25,000 and $34,000.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Rules To Remember When Writing A Will

  • In most states, you must be 18 years of age or older.
  • A will must be written in sound judgment and mental capacity to be valid.
  • The document must clearly state that it is your will.
  • An executor of your will, who ensures your estate is distributed according to your wishes, must be named.
  • It is not necessary to notarize or record your will but these can safeguard against any claims that your will is invalid. To be valid, you must sign a will in the presence of at least two witnesses.

Choose an Executor

An executor is the person who is responsible for settling the estate after death. Duties of an executor include:

  • Taking inventory of property and belongings
  • Appraising and distributing assets
  • Paying taxes
  • Settling debts owed by the deceased

Most importantly, the executor is legally obligated to act in the interests of the deceased, following the wishes provided by the will. Here again, it could be helpful to consult an attorney to help with the probate process or offer legal guidance. Any person over the age of 18, who hasn’t been convicted of a felony, can be named executor of a will. Some people choose a lawyer, accountant or financial consultant based on their experience. Others choose a spouse, adult child, relative or friend. Since the role of executor can be demanding, it’s often a good idea to ask the person being named in a will if he or she is willing to serve.

If you’ve been named executor in someone’s will but are not able or do not want to serve, you need to file a declination, which is a legal document that declines your designation as an executor. The contingent executor named in the will then assumes responsibility. If no contingent executor is named, the court will appoint one.

Choose Beneficiaries

As you write your will, you need to decide who you want to inherit your assets to ensure that your possessions are transferred as you want. Primary beneficiaries are your first choice to receive your assets. You should also consider choosing secondary or contingent beneficiaries. If your primary beneficiary dies before you do or does not meet a condition (ex. age) for inheritance, your secondary beneficiaries will receive your assets. Designating asecondary beneficiary can also prevent going through probate, which can be time consuming and expensive. Use specific names instead of broad categories like “nieces and nephews” when naming beneficiaries in your will.

You should also add primary and secondary beneficiaries on your individual bank accounts, the deeds to your homes and cars, contents of your safe deposit boxes, investments and insurance policies to make it easier to transfer the assets. Also, remember that establishing someone as a power of attorney does not automatically make this person a beneficiary of your assets. After you die, this person will not have the right to the money or to even access your account. If you want this person to be a beneficiary, you must state it in your will.

Review Your Estate Plan

Once you’ve completed a will, it’s a good idea to review it from time to time, and consider changes if:

  • The value of your assets change
  • You marry, divorce or remarry
  • You have a child
  • You move to a different state
  • The executor of your will dies or becomes incapacitated or your relationship changes
  • One of your heirs dies
  • The laws affecting your estate change

Write a Social Media Will

Social media is a part of daily life, so what happens to the online content that you created once you die? If you are active online you should consider creating a statement of how you would like your online identity to be handled, like a social media will. You should appoint someone you trust as an online executor. This person will be responsible for the closure of your email addresses, social media profiles, and blogs after you are deceased. Take these steps to help you write a social media will (download a social media will template in Excel format):

  • Review the privacy policies and the terms and conditions of each website where you have a presence.
  • State how you would like your profiles to be handled. You may want to completely cancel your profile or keep it up for friends and family to visit. Some sites allow users to create a memorial profile where other users can still see your profile but can’t post anything new.
  • Give the social media executor a document that lists all the websites where you have a profile, along with your usernames and passwords.
  • Stipulate in your will that the online executor should have a copy of your death certificate. The online executor may need this as proof in order for websites to take any actions on your behalf.
  • Check to see if the social media platforms have account management features to let you proactively manage what happens to your accounts after you die. For example, Google’s Inactive Account Manager allows you to manage how you want your online content to be saved or deleted. This feature also lets you give permission for your family or close friends to access the content you saved on Google websites after you die.

Rules To Remember When Writing A Will

  • In most states, you must be 18 years of age or older.
  • A will must be written in sound judgment and mental capacity to be valid.
  • The document must clearly state that it is your will.
  • An executor of your will, who ensures your estate is distributed according to your wishes, must be named.
  • It is not necessary to notarize or record your will but these can safeguard against any claims that your will is invalid. To be valid, you must sign a will in the presence of at least two witnesses.

Choose an Executor

An executor is the person who is responsible for settling the estate after death. Duties of an executor include:

  • Taking inventory of property and belongings
  • Appraising and distributing assets
  • Paying taxes
  • Settling debts owed by the deceased

Most importantly, the executor is legally obligated to act in the interests of the deceased, following the wishes provided by the will. Here again, it could be helpful to consult an attorney to help with the probate process or offer legal guidance. Any person over the age of 18, who hasn’t been convicted of a felony, can be named executor of a will. Some people choose a lawyer, accountant or financial consultant based on their experience. Others choose a spouse, adult child, relative or friend. Since the role of executor can be demanding, it’s often a good idea to ask the person being named in a will if he or she is willing to serve.

If you’ve been named executor in someone’s will but are not able or do not want to serve, you need to file a declination, which is a legal document that declines your designation as an executor. The contingent executor named in the will then assumes responsibility. If no contingent executor is named, the court will appoint one.

Choose Beneficiaries

As you write your will, you need to decide who you want to inherit your assets to ensure that your possessions are transferred as you want. Primary beneficiaries are your first choice to receive your assets. You should also consider choosing secondary or contingent beneficiaries. If your primary beneficiary dies before you do or does not meet a condition (ex. age) for inheritance, your secondary beneficiaries will receive your assets. Designating asecondary beneficiary can also prevent going through probate, which can be time consuming and expensive. Use specific names instead of broad categories like “nieces and nephews” when naming beneficiaries in your will.

You should also add primary and secondary beneficiaries on your individual bank accounts, the deeds to your homes and cars, contents of your safe deposit boxes, investments and insurance policies to make it easier to transfer the assets. Also, remember that establishing someone as a power of attorney does not automatically make this person a beneficiary of your assets. After you die, this person will not have the right to the money or to even access your account. If you want this person to be a beneficiary, you must state it in your will.

Review Your Estate Plan

Once you’ve completed a will, it’s a good idea to review it from time to time, and consider changes if:

  • The value of your assets change
  • You marry, divorce or remarry
  • You have a child
  • You move to a different state
  • The executor of your will dies or becomes incapacitated or your relationship changes
  • One of your heirs dies
  • The laws affecting your estate change

Write a Social Media Will

Social media is a part of daily life, so what happens to the online content that you created once you die? If you are active online you should consider creating a statement of how you would like your online identity to be handled, like a social media will. You should appoint someone you trust as an online executor. This person will be responsible for the closure of your email addresses, social media profiles, and blogs after you are deceased. Take these steps to help you write a social media will (download a social media will template in Excel format):

  • Review the privacy policies and the terms and conditions of each website where you have a presence.
  • State how you would like your profiles to be handled. You may want to completely cancel your profile or keep it up for friends and family to visit. Some sites allow users to create a memorial profile where other users can still see your profile but can’t post anything new.
  • Give the social media executor a document that lists all the websites where you have a profile, along with your usernames and passwords.
  • Stipulate in your will that the online executor should have a copy of your death certificate. The online executor may need this as proof in order for websites to take any actions on your behalf.
  • Check to see if the social media platforms have account management features to let you proactively manage what happens to your accounts after you die. For example, Google’s Inactive Account Manager allows you to manage how you want your online content to be saved or deleted. This feature also lets you give permission for your family or close friends to access the content you saved on Google websites after you die.

Aging & Longevity

Tablets can help senior citizens cross the ‘digital divide’

They make it easier for older people to get online, breaking down barriers that kept them from getting connected

senior citizen using an ipad (tablet)June 9, 2015 – Too often, senior citizens are introduced to the digital world through a computer or tiny hand-held phone. And, too often, they find the challenge too much for their resolve. There is an easier way, according to new research, and it’s called a tablet.

Those smaller, lighter, easy-to-use computers that seem to be taking the place of laptops, appear to be a way to help the elderly cross what’s known as the “digital divide.”

 

New Michigan State University research has found that the use of tablets does make it easier, breaking down some of the barriers that keep seniors from getting connected.  I

In addition to being smaller, lighter and more portable, tablets allow people to maneuver online without having to move and click a mouse.

“The dexterity required to control a mouse is really hard for some older adults,” said Shelia Cotten, an MSU professor of media and information who led the research.

“A certain level of muscle control is needed. And some older adults have shaking issues, in addition to muscle-control issues in their hands and arms.”

Cotten also said that in most cases, tablets are just easier to use, especially for people who don’t have a lot of computer experience.

“For the most part they are pretty easy to operate,” she said. “You don’t have to click on 12 different things to do what you want to do. It helps to ease their tech anxiety.”

The researchers also found that when an elderly person’s family recommended a certain type of tablet and helped them learn how to use it, that contributed to their computer-use confidence as well. They learned how to use tablets by watching others use them and also by playing around on the tablets themselves.

It’s a fact that getting online can help the elderly feel more connected to family and friends, as well as providing them with useful information.

“For example, it allows them to be more proactive in their health care,” Cotten said. “They have access to health information, electronic medical records and so on.”

Last year, Cotten and colleagues published research that found Internet use among the elderly can help ward off depression.

“It’s all about older persons being able to communicate, to stay in contact with their social networks and just not feel lonely,” she said.”

Cotten said tablets will be increasingly used by older adults, noting the recent announcement of collaboration between Apple, IBM and Japan Post to disseminate 5 million tailored iPads to older adults in Japan.

This recent research, published in the journal Educational Gerontology, was funded by the National Institute on Aging.

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