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Publisher Geordie Wilson
Designer Anna Joyce
Sales Support Manager Noelle Hallman
Revenue Director Connie Hastings
Photographer Bill Green
Editor Anna Joyce
Contributing Writers Steve Bohnel Ryan Marshall Katryna Perera
Multimedia Marketing Consultants James Constantine Mike Santos Talia Valencia
Distributed monthly in The Frederick News-Post and through selected distribution outlets. ALL RIGHTS RESERVED BY COPYRIGHT. Prices, specials and descriptions are deemed accurate as of the time of publishing. This publication may not be reproduced in whole or in part without the express written consent of the publisher. Advertising information has been provided by the advertisers. Opinions expressed in Prime Time Frederick are those of editors or contributors and do not necessarily reflect those of Ogden Newspapers of Maryland, LLC. All terms and conditions are subject to change. The cover, design, format and layout of this publication are trademarks of Ogden Newspapers of Maryland, LLC and published by The Frederick News-Post.
ON THE COVER
Clark Kirkman plays at Richland Golf Club in Middletown in mid-July. Staff photo by Bill Green.
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GOLF-RELATED GOODS AND SERVICES CONTRIBUTE $84
LIVING
Teeing off!
BILLION TO THE U.S. ECONOMY.
Despite a lack of senior leagues, golf opportunities for older adults abound BY RYAN MARSHALL NEWS-POST STAFF WRITER
According to 2019 numbers from the National Golf Foundation, there are 5.3 million golfers 65 or older in the U.S., and they play an average of 36 rounds per year.
T
he summer morning haze was still burning off of the driving range at Middletown’s Richland Golf Club as a motley crew of golfers of all ages filtered into the parking lot and pro shop. Outside, the club’s staff lined up golf carts in orderly rows, while inside, Parker Phillips staffed the shop’s desk. The club sees a fair number of players who are in their 60s or older, he said. While they don’t offer a senior golf league per se, they do get lots of groups of 12 to 16 seniors who come in together, he said. They split into foursomes and play a round, then get lunch in the club’s bar and restaurant. While it’s not formally structured, there’s usually “kind of the ringleader guy” who calls to set up tee times, Phillips said. Worthington Manor golf club in Urbana sees a similar pattern. It has a lot of older adults who play Mondays through Fridays, especially in the mornings, said Andrew Surette, the club’s pro. They usually like to get an early start, shoot a round, and be done, he said. Surette estimated that seniors make up 30 to 35% of the club’s total clientele. About two years ago, Worthington Manor put in a set of “gold tees,” to shorten the course by about 250 yards to make it a little more player friendly, he said. 4
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It also offers senior rates, which vary by the season and day of the week. According to 2019 numbers from the National Golf Foundation, there are 5.3 million golfers 65 or older in the U.S., and they play an average of 36 rounds per year. That’s double the average number of rounds for golfers overall. Golfing seniors, and golf in general, have a significant economic impact. A 2019 report produced by The R&A and the International Golf Federation noted golf-related goods and services contribute $84 billion to the U.S. economy, and a 2013 National Golf Foundation survey found that baby boomers spent an average of $1,908 a year on golf equipment. While Frederick County has no shortage of senior golfers, leagues designed specifically for older players aren’t common, according to people familiar with the local golf scene. Most local courses offer some kind
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STAFF PHOTOS BY BILL GREEN; GOLF BALL: GETTY
John Norris chips the ball out of a sand trap on the first nine at Richland Golf Club in Middletown.
of senior rate or senior day during the week, but don’t specifically offer senior leagues, said Chris Moore, who runs the website golffrederickmd.com and
has been arranging leagues and outings in the county for 17 years. “The general concept of a senior golf league, while good, doesn’t always
THE MENS GROUP About 40 years ago, a group of friends got together for informal golf outings at West Winds Golf Club in New Market. Over the years, what they nicknamed “the mens group” grew. Today, they have about 20 members, six of whom are from the original group. They hail from all over Frederick County and parts of Montgomery. Although over the years they have played at a number of clubs, these days you’ll find them on the links at Richland Golf Club in Middletown Wednesdays, Fridays and Sundays, playing what they call fast, “ready golf.” Their eldest member is 85; their youngest, around 50. Clark Kirkman, at left, is the second eldest at 82. –Bill Green
work with most courses’ timing and pricing structure,” Moore said. Seniors generally like to play in the morning, when courses can get higher rates, he said. Many leagues are designed for working people, who often play nine holes rather than a full round of 18, starting in the afternoon or early evening, he said. “Most seniors that I know and play with, myself included, have no interest in playing only nine holes and they have plenty of time on their hands,” Moore said. Numerous clubs in the county—including Glade Valley in Walkersville, Myersville’s Musket Ridge, and Holly Hills in Ijamsville—participate in the Maryland Interclub Seniors Golf Association, an organization for golfers over 50 in Maryland and parts of Del-
aware, Pennsylvania and West Virginia. Founded in 1975, the organization has more than 2,200 members, according to its website. In May, MISGA announced that it was canceling all of its events for 2020 because of the COVID-19 pandemic. Clustered Spires Golf Club in Frederick canceled its eighth annual Frederick City Senior Amateur championship, which was scheduled for July 25, because of concerns about the pandemic, Scott Peterson, the club’s general manager and head golf pro, said in an email. The event has been open to all golfers 50 or older. The tournament’s fate was typical of events in 2020, Moore said. “Right now, [tournament wise] there’s nothing out there,” he said.
Left to right: John Norris, Steve Branch, Clark Kirkman and Steve Schroeder take a break from play in mid-July at Richland Golf Club in Middletown. THE FREDERICK NEWS-POST
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LIVING
Help for the Hungry Frederick Senior Services ramps up meal deliveries during COVID pandemic
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BY KATRYNA PERERA NEW-POST STAFF WRITER
ince the COVID-19 pandemic forced the state to shut down in early March, the number of older adults relying on home-delivered meal programs has increased by 42% throughout the county. Kitty Devilbiss, director of Home and Community Connections for Frederick County Senior Services Division, said as soon as senior centers began shutting down, staff began developing ways to continue providing meals and programming to one of the county’s most vulnerable populations. “We knew there were going to be a lot of people who, because of the stayat-home order, were going to have difficulty acquiring food and medication,” said Devilbiss. Meals on Wheels, a hot-meat delivery service, continued operating with no breaks in service. “We have terrific Meals on Wheels team and they have not missed a beat,” Devilbiss said. During the early weeks of the pandemic, Senior Services also began developing a weekly frozen meals service. Clients of Meals on Wheels have to apply to the program and usually need to eat immediately once the meals are delivered because they don’t have the ability to shop or cook for themselves, or don’t have consistent at-home care or support. The frozen meals service is less restrictive, Devilbiss said. “We’re looking at people who because of COVID aren’t able to shop; they have more difficulty accessing food,” she said. “We want to make sure they’ve got at 6
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STAFF PHOTO/BILL GREEN
Meals on Wheels temporary driver Eric Coblentz, right, delivers a hot meal to Eugene Grafton Weedon, 90, outside his apartment entrance off Himes Avenue in Frederick.
least one good, nutritious meal and that they can build around that with other components.” Seven frozen meals are delivered once a week to clients and are provided by a vendor that normally supplies food for county seniors. A large activity room in one of the se-
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nior centers was also turned into a warehouse of groceries and hygiene products, Devilbiss said.When a resident called in needing an emergency delivery of groceries or other products, Devilbiss and her team was able to use the stockpile to deliver what was needed. “We learned a lot of new skills during
this,” Devilbiss said. “And the community reached out right away to make sure seniors had food, so we received donations and funds to purchase things.” To make sure they were actively reaching every person who needed help, See MEALS, 16
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LIVING
‘Smart Sizing,’ Not Downsizing
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BY MICHELE LERNER
obin and Stefanie Wohnsigl, a couple who recently moved to the Four Seasons at Kent Island active-adult community in Chester, Maryland, have been on a four-year journey to find the right place for their retirement. “We sold our big house in Great Falls four years ago and downsized to an apartment in Reston, Virginia,” said Robin Wohnsigl, a retired Air Force colonel and airline industry executive. “The apartment was great; it had indoor and outdoor swimming pools, and we loved Reston, but we had downsized too much, plus we wanted a backyard for our dog.” The Wohnsigls moved from an 8,000-square-foot house to a 1,500-square-foot apartment before their recent transition to a 3,700-square-foot single-family home on Kent Island in Maryland in the Chesapeake Bay. “Not only did we want more space and wanted to get back to owning a home, but we realized that every time we crossed the Chesapeake Bay Bridge to visit our daughter in Dover, Delaware, we felt this complete decompression,” said Robin, who is 76. His wife, who retired about 20 years ago, is 74. FOR EMPTY NESTERS transitioning out
of their longtime houses, making the choice of a new place to buy in a 55plus community doesn’t always mean downsizing. “Older home buyers today are ‘smart sizing’ rather than just downsizing,” said Mollie Carmichael, a principal with Meyers Research, a housing research firm in Costa Mesa, California. “Affordability is a big pri8
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PHOTOS FOR THE WASHINGTON POST BY J. LAWLER DUGGAN
Robin and Stefanie Wohnsigl watch a Nationals game in the sitting room of their new house at the Four Seasons development in Chester, Maryland.
ority before and during retirement, so people think they need to downsize for financial security, but that’s not always true.” In active-adult communities, where typically residents must be 55 or older, the average home size is 1,500 to 1,800 square feet, Carmichael said. “We’ve found that about 30% of people who move to age-restricted communities move to a larger place within the community after they’ve lived there for
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a while,” Carmichael said. “They just want a little extra space and yet want to stay in the neighborhood.” When Kevin and Sue Hanrahan retired at 55, they fully intended to downsize from their three-level house in Ashburn, Virginia. But like other older buyers, they found something better than downsizing: a “right-size” home. “Our priority was not having three levels,” Sue Hanrahan said. “We would have been fine with a one-lev-
el house with two bedrooms and two bathrooms, but we ended up buying a house that also has a lower level with a third bathroom and the option for a third bedroom.” The Hanrahans purchased their home from Shea Homes at Trilogy at Lake Frederick in Lake Frederick, Virginia, four years ago to be closer to their two adult daughters. The basement level is primarily used as a playroom for their three grandchildren.
The Wohnsigls moved from an 8,000-square-foot house to a 1,500-square-foot apartment. Realizing that was not enough space, they moved again to a 3,700-square-foot single-family home here at The Four Seasons, an active-adult community on Kent Island in the Chesapeake Bay.
RHEA JACOBSON, a home buyer at the
Atrium at MetroWest being built by Pulte near the Vienna/Fairfax-GMU Metro station in Virginia, downsized once already and plans to downsize a little more to move into the new active-adult community adjacent to her current home at MetroWest. “Two years after my husband passed away, I moved from King Farm in Rockville, Maryland, to a two-level townhouse at MetroWest to be closer to my daughter and my grandkids,” Jacobson said. “My two priorities were to buy something new so I didn’t have to do maintenance and to be near Metro so I could get downtown. My friends are scattered around the area and so my social life is more downtown than anywhere else.”
“My two priorities were to buy something new so I didn’t have to do maintenance and
to be near Metro so I could get downtown. My friends are scattered around the area and so my social life is more downtown than anywhere else.” –Rhea Jacobson
Her first move cut her living space in half. Her next move, into an active-adult community where she plans to live in a one-level condo, will reduce her space by about 150 square feet. “I love my location, so I am happy to be moving just one block away,” she said. “I really want to be all on one floor instead of climbing stairs every day.” Jacobson is also looking forward to the social life in the active-adult community, the yoga room and the indoor swimming pool. FIGURING OUT where to go and what to
buy for the preretirement-into-retirement life phase can be complicated by finances and careers as well as lifestyle choices, said Alison Bernstein, president and founder of Suburban Jungle, a national real estate advisory service THE FREDERICK NEWS-POST
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based in New York City that recently opened a “ReSizer” division aimed at people in their 50s and 60s. “The people we work with aren’t retiring yet, but they are in a ‘now what?’ phase where they can choose where they want to be based on their lifestyle rather than on their kids’ schools,” Bernstein said.“We talk to them about what they want out of their next home and provide them with free advice and then recommend our partner real estate agents to help them find a specific home.” Some of Bernstein’s clients stay in their same region to maintain close ties to friends and family, while others are ready to move someplace where it’s easier to travel and experience new things.
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PEOPLE
Q&A
What’s your favorite childhood memory? use the oars, and my big brother would hit me [up] after a big storm and we would blow the raft up and carry it down to the creek and float down the creek. It was part of growing up, and the generations now, they look for different things. I wish they would get around a little bit more, and not sit around the TV and computers like that, and go out and explore a little bit.
BY STEVE BOHNEL NEWS-POST STAFF WRITER
P
rime Time traveled Frederick to ask five folks about their favorite recollections from their youth.
Ronni McRorie, 86, Ballenger Creek It was going to Jones Beach [in New York] and another one is bicycling, and I crossed the George Washington bridge and back, went down to the Palisades to the Hudson river, and that was most fun. I guess it’s because it was kind of the weekend, it was my day off.You’re off from school and everything else, but the funny thing of it is I forgot what route it was going over the bridge— except now they made the bridge a double decker, I don’t think anybody of us could ride it anymore. Us girls used to go along this highway and I guess money would fall out of the cars, and we would pick up the monies, and have enough to go down to the Hudson and get us a hot dog and a soda and chips. 10
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Victoria Swanhart, 83, Ballenger Creek I just guess it’s the fact we were able to go out and play all day and never fear that someone was going to abduct you or anything like that, like nowadays. I think [electronics] had something to do with it; I mean kids back then, you used your imagination to have fun. And we played … cops and robbers and things like that, but now they think that’s terrible because they think you’re playing make believe guns. I mean we did things, we played outdoors all day, just about. I didn’t have TV when I was real, real young. It didn’t come till later. But even then after TV, we only had a limited number of things to watch, so it was a family thing to sit around the TV and watch things as a family. Kevin Dollar, Ballenger Creek My favorite childhood memory was Christmas. I wanted Nintendo, Super Nintendo, and I got it. That was my favorite game system. I wanted Tecmo Bowl—that’s a long time ago before football became actually
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football. The old running backs, Barry Sanders, Bo Jackson … I’m in that era, so that’s the era I remember— [quarterbacks] Dan Marino, John Elway, Phil Simms; Simms because that’s my team, the New York Giants.
Jeff Weir, 50, Braddock Heights/ Middletown Probably rafting in the creek after a big storm, Rock Creek down in Montgomery County. We had a big air raft with oars, but we wouldn’t
Barbara Mann, 87, Frederick I guess the summers in Doylestown [Pennsylvania]. We used to go wading in the creek, catching tadpoles, that’s a good summer memory. I don’t think it had a name, and of course the area where my house was … that was fun. It was a fairly isolated area, it was really in the country. Not like it is now. It’s been years since I’ve been there, and it’s a park now. And a lot of houses that were down in the valley, they’re no longer, they’re underwater. It was just a great place to grow up.
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FINANCE
Dollar-Cost Averaging Consider this strategy to build up your savings over the long term
D
ollar-cost averaging is an investment strategy to build savings over the long term. So, if you are worried about money for retirement, this may be something to consider. Not everyone has money to spare in tough times to put into a 401(k) account, but if you do, you can reap great rewards by staying with the program. Here's how it works: Let's say you've committed to investing $100 a week in your 401(k) plan, in the XYZ Fund. Shares have been $25 each, so every week, you purchase four shares. However, one week, the shares fall to $20. So your $100 buys five shares that week. Ideally, the fund recovers, and you find yourself with five shares now worth $25 each. In that case, this was a better strategy than just making a commitment to buying a certain number of shares, regardless of the price. As Investopedia puts it, “Dollar-cost averaging aims to avoid making the mistake of making one lump-sum investment that is poorly timed with regard to asset pricing.” Of course, using this investment method cannot protect you against the risk of declining market prices, but it can help flatten volatility. At any given moment, most shares will have been purchased at a lower price, and the general concept is that prices will eventually always rise. Although this method works with mutual funds and individual stocks, most retirement investors are better off with the former. If you bought a stock without knowing the company's details and used dollar-cost averaging, 12
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GETTY
you might find yourself pouring money into a continually falling investment. Dollar-cost averaging can be used in any kind of investment plan, but is especially suited to 401(k) investing, which automatically takes the same amount out of your paycheck each month, despite the state of the market. This strategy removes the detailed work of timing the market to make equity purchases. In summary, keep in mind the three great advantages of dollar-cost averag-
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ing in a 401(k) plan: • Your investment grows more quickly as the stock's price goes up. • You eliminate the risk of mistiming the market and at a minimal cost. • You'll never be able to consistently predict where the market is heading anyway, so this relieves the pressure. Finally, remember that investing doesn’t exist in a vacuum. If you’re facing economic insecurity now because of current or incipient job loss, don't stretch yourself too thin by put-
ting money you can’t afford to lose in the market right now, whether inside or outside a 401(k) plan. You also have to consider how close you are to retirement. But if you’re stable and still have some years of productive employment ahead, don’t give up your 401(k) investment plan because of a down market. Dollar-cost averaging can make this the best time ever. —from the Law Office of Lena A. Clark; 129 W. Patrick St., #11, Frederick; lenaclarklegal.com
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H E A LT H
Enduring COVID-19 Seclusion Reflections on life during the pandemic from older adults around the country BY JUDITH GRAHAM
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onths into the coronavirus pandemic, older adults are having a hard time envisioning their “new normal.” Many remain fearful of catching the virus and plan to follow strict precautions—social distancing, wearing masks and gloves, limiting excursions to public places—for the indefinite future. Mortality is no longer an abstraction for those who have seen friends and relatives die of COVID-19. Many people are grieving the loss of their old lives and would love nothing better than to pick up where they left off. Others are convinced their lives will never be the same. “We’re at the cusp of a new world,” said Harry Hutson, 72, an organizational consultant and executive coach who lives in Baltimore. He’s among nearly a dozen older adults who discussed the “new normal” in lengthy conversations. All acknowledged their vulnerability as states across the country lift stay-at-home orders. (Adults 65 or older are more likely to become critically ill if infected with the coronavirus.) Here’s some of what they said: Willetha and Harold Barnette of Durham, North Carolina The Barnettes are an unusual couple: They divorced in 1995 but began living together again in 2014 when both Willetha and her elderly mother became ill and Harold returned to help. 14
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For Willetha, 67, who has Crohn’s disease and is immunocompromised, the “new normal” is characterized by vigilance—masks, gloves, disinfectants, social distancing, working remotely (she’s a development officer at a school). “I’m not going to be comfortable freely moving around this world until they’re able to do reliable antibody
who lives alone in a continuing care community and loves to travel. In March, as the coronavirus pandemic gathered steam, she was due to take a trip to the Amazon, which was canceled. “I envision conditions for seniors being restrictive until we have a vaccine,” Griffin said. “That makes me angry because I don’t have that many years left. And I would like to do the things I want to do. At the moment, I’m leaning toward being cautious but not being completely a prisoner.” A big frustration for Griffin is the
“All we see are statistics that lump all of us together, the healthy with those that have multiple issues. I’m wondering what my odds of getting really sick from this virus are.” – Patricia Griffin
testing and there is a vaccine,” she said. “Right now, I think we all have to learn to live smaller.” Harold, 68, believes that self-reliance and local support networks are more important than ever. “To me, the pandemic reveals troubling things about the state of institutions in our society. The elder-care system is rotten and the health care system full of neglect,” he said. “I’m preparing myself for a different social order. I’m thinking that will be built on relationships with family and people near to us and we’ll all be helping each other out more.” Patricia Griffin, 80, of Oxford, Pennsylvania Griffin is a retired microbiologist
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lack of clear guidance for healthy older adults like her who do not have underlying medical conditions. “All we see are statistics that lump all of us together, the healthy with those that have multiple issues,” she said. “I’m wondering what my odds of getting really sick from this virus are.” Marian and Ed Hollingsworth of La Mesa, California Ed, 72, has a rare gastrointestinal cancer and is enrolled in a clinical trial of a new drug. “My vision of the future is somewhat limited, given my age and my prognosis,” he said. “There’s a constant fear and uncertainty. I don’t see that changing anytime soon.We’ll be in the house a lot, cooking a lot, watching a lot of Netflix.”
“I’m looking at least a year or two of taking strong precautions,” said Marian, 66, a patient safety advocate. “I always was the person who was active and doing for others: Now I’m the one at home having to ask for help, and it feels so foreign,” she said. Her most immediate heartache: “We don’t know when we’ll see our (four) kids again.” Wilma Jenkins, 82, of South Fulton, Georgia Jenkins, who has coped with depression most of her life and describes herself as an introvert, lives alone in a small house just outside Atlanta. “I confess I’m going to be afraid for a while,” she said. During the pandemic, her three adult children and grandchildren have created a new tradition: Zoom meetings every Sunday afternoon. Previously, the entire family got together once a year, at Thanksgiving. “It helps me a lot, and I think it will last because we have so much fun,” Jenkins said. Before her life ground to a halt, Jenkins regularly gave presentations at senior centers across Atlanta on what it’s like to grow old. “My work is helping little old people like me,” she said, “and when I can get out again, I’ll be reminding them that we have reached a point when we can wear the crown of age and we should be doing that proudly.” Richard Chady, 75, of Chapel Hill, North Carolina Chady, a former journalist and public relations professional, lives in a retirement community and participates in the North Carolina Coalition on Aging. “This pandemic has given me a greater appreciation of how precious
PHOTOS COURTESY OF PATRICIA GRIFFIN, WILLETHA AND HAROLD BARNETTE, RICHARD CHADY, ED AND MARIAN HOLLINGSWORTH, WILMA JENKINS, AND EDWARD MOSLEY
Many older adults follow strict precautions to protect themselves from the coronavirus. Left clockwise: Patricia Griffin, Willetha and Harold Barnette, Richard Chady, Ed and Marian Hollingsworth, Wilma Jenkins and Edward Mosley.
family and friends are,” he said. “I think it will cause older people to examine their lives and their purpose a little more carefully.” Chady is optimistic about the future. “I’ve been involved in progressive causes for a long time and I think we have a great opportunity now,” he said. “With all that’s happened, there’s more acceptance of the idea that we need to do more to improve people’s lives.”
they canceled my doctors’ appointments and I was in a bad way,” said Mosley, who had a pacemaker implanted in his chest before COVID-19 emerged. “But I’m doing better now. I can walk with a cane, though not very far.” The hardest thing for Mosley is not being able to mingle with other people “because you don’t know where they’ve been or who they’ve been with.You feel like you’re in solitary confinement.”
Edward Mosley, 62, of Atlanta, Georgia Mosley lives alone in Big Bethel Village, an affordable senior housing community. Disabled by serious heart disease, he relies on Supplemental Security Income and Medicaid. In the past year, he has had multiple hospitalizations. “The pandemic, it affected me because
Vicki Ellner, 68, of Glenwood Landing, New York Ellner ran Senior Umbrella Network of Brooklyn for 20 years. Today, she works as a consultant for an eldercare attorney on Long Island. Before the coronavirus upended life in and around New York City, Ellner and the attorney were planning to launch an initiative aimed at old-
er women. Now, they’ve broadened it to include older men and address issues raised during the pandemic. The theme: “You’re not done yet.” Ellner explained it this way: “Maybe you were on a path and had a vision of your life in mind. Then all of a sudden you have these challenges. Maybe you lost your job, or maybe things have happened in your family. What we want to help people understand is you’re not done yet. You still have the ability to redirect your life.” In her personal life, Ellner, who lives with a “significant other,” is determined to keep fear at bay. “We tell ourselves we’re doing everything we can to stay vital and get through this. We try to turn that into a positive.” Harry Hutson, 72, of Baltimore Hutson, an organizational consultant THE FREDERICK NEWS-POST
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and executive coach, is married and has five grown children. He believes “an enormous change in lifestyle” is occurring because of the pandemic. “We’re all more careful, but we’re also more connected,” he said. “Older friends are coming out of the woodwork. Everyone is Zooming and making calls. People are more open and vulnerable and willing to share than before. We’re all trying to make meaning of this new world.” “We’re all having a traumatic experience—an experience of collective trauma,” Hutson said. As the future unfolds, “The main thing is self-care and compassion. That’s the way forward for all of us.” This report is a product of Kaiser Health News, a nonprofit news service covering health issues. It is not affiliated with Kaiser Permanente. –Special To The Washington Post
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Robin Wohnsigl keeps an eye on his 14-year-old basset hound from the back patio of his new house.
SMART SIZE, continued from 9
STAFF PHOTO/BILL GREEN
Senior Service Division employee Ginny Skelley (in blue) and others prepare to load meals for the day’s delivery to older adults across the county.
MEALS, continued from 6
Devilbiss said people were screened by staff when they called Senior Services. Questions were asked to determine if the caller was in need of assistance with meals or shopping. Since launching the emergency grocery deliveries and frozen meals program in March, Devilbiss said the demand has decreased slightly as residents have adjusted to a “new normal,” but thats it’s still important to continue helping the county’s older population. “Nutrition and food is such a basic need and it’s just essential to everything. Good nutrition leads to good health, and an older adult with better 16
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health is going to be able to function independently for a longer period of time...and remain active in his or her community,” she said. For more information on how to donate to Meals on Wheels and more, visit the Frederick County Senior Services Division at www.frederick countymd.gov/7745/Volunteer Donate. To apply for the Meals on Wheels program, visit www.frederickcountymd.gov/159/Meals-onWheels-Home-Delivered-Meals and download and fill out an application. Applications can be submitted by email, fax or mail.
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“We take a personal inventory of what people hope to accomplish with their move, such as reducing their commute, eliminating home maintenance or downsizing to something less expensive so they can use their cash for something else,” Bernstein said. FOR KARI PETERSON, a 62-year-
old ReSizer client who now rents a townhouse in Haymarket, Virginia, the decision to move was triggered by her realization that her consulting business allows her to live anywhere. She chose Haymarket to be closer to her children and grandchildren. “Having family nearby means a lot to me, but I also don’t want to just follow my kids everywhere,” she said. “I like being nearby but not [being] involved in their daily life. I want to be happy in my own life.” Peterson, who lives about four miles from her daughter, downsized from a larger home in an active-adult community in Atlanta into her townhouse, which has two bedrooms,
three bathrooms and a garage. “I right-sized to where I am now,” she said. “I found it liberating to get rid of things like lawn equipment, a desk and a firepit. I plan to buy in a year or so.” The right size home depends on your family needs, budget and location. “People need to figure out what they can afford and what they can find in their market,” Carmichael said. “In Texas, for example, most 55plus buyers choose something equal or bigger than their current home, but in more expensive markets like California, you’re likely to see more people downsizing.” For the Wohnsigls, the readjustment back to a home that’s more than double their apartment but about half the size of their original home means sorting through the belongings the couple had stored while living in Reston. But they have plenty of time now that their lawn care—and future snow removal—will be handled by their homeowners’ association. –Special To The Washington Post
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Boredom Busters
SUN SAFETY WORD SEARCH
Find the words hidden vertically, horizontally, diagonally and backward.
WORDS TO FIND: BRIGHT BURN CUMULATIVE DAMAGE DANGEROUS DERMATOLOGIST EXPOSURE EYES MELANIN MELANOMA OUTDOORS PEAK RADIATION RASH RAYS SAFETY SHADY SKIN
Answers:
SPECTRUM
No Peeking!
SUN SUNGLASSES SUNSCREEN ULTRAVIOLET VISION
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Here’s
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19
Boredom Busters
CROSSWORD PUZZLE
CLUES ACROSS
CLUES DOWN
1. Central processing unit
1. Presides
4. Military action
2. Artist’s tool
10. How electricity gets to train carriages (abbr.)
4. Commercial
11. Unsafe 12. Of (French) 14. Autonomic nervous system 15. Type of bean 16. Accuse formally of a crime 18. Promote 22. Type of lava 23. Meat from a deer 24. Herbaceous plants 26. Potato state 27. Helsinki neighborhood
59. Artery 60. Net SOLUTIONS DOWN 1. Chairs 2. Pencil 3. Upstairs 4. Ad 5. Television 6. Tailed 7. Admen 8. Clavier 9. KY 12. Disc 13. Unco 17. Dow 19. Asian 20. Torne PRIME TIME FREDERICK
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31. UTA 34. Saris 36. Nee 37. Lapp 39. Coop 40. Nepa 41. Me 42. Nauseam 48. Agendum 50. Create 51. Sultana 52. Escrow 53. Huck 54. Mir 55. PS 56. Denied 58. ENE
21. Enate 25. Peacemaker 29. Fro 31. Ulnas 32. Taegu 33. Appel 35. Spacemen 38. Panther 41. Muncie 43. Ursine 44. Secret 45. Ear 46. Atop 47. Mews 49. Daunt 56. DA 57. DY |
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SOLUTIONS ACROSS 1. CPU 4. Attack 10. HEP 11. Deadly 12. Du 14. ANS 15. Lima 16. Indict 18. Elevate 22. Scoria 23. Venison 24. Cowslip 26. ID 27. Eira 28. Refs 30. Rant
AUGUST 2020
6. Chased 7. Commercial producers 8. Keyboard instrument 9. Blue grass state 12. Phonograph recording 13. Unusual 17. Popular average 19. A native or inhabitant of Asia 20. N. Sweden river 21. Related on the mother’s side
30. Shout wildly
25. Mediator
31. Reptile genus
29. Partner of to
34. Frocks
31. Arm bones
36. Born of
32. Korean seafood dish
37. N. Scandinavian indigenous people
33. Tap of the foot
39. Poultry cage
38. Carolina footballer
41. Of I
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5. Something to watch
28. Sports officials
40. Aquatic insect genus
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3. On a higher floor
42. Ad __: tirelessly repetitive 48. Item 50. Produce 51. Seedless raisin 52. Bond in a third party’s control 53. Legendary character __ Finn 54. Space station 55. Note at the end of a letter 56. In a way, contradicted 58. Midway between northeast and east 59. Bears important traffic 60. Brooklyn hoopster
35. Astronauts 41. Indiana city 43. Of or relating to bears 44. Not widely known 45. Body part 46. At the peak 47. High-pitched cries of a cat 49. A way to intimidate 56. Prosecutor 57. Atomic #66
Welcome to our Community! Ask about our Phase III Construction. For more information or to schedule a tour, call 301-733-6284 today! 8507 Mapleville Road, Boonsboro
Offering: NEW Adult Day Services NEW Memory Care NEW Outpatient Rehab Independent Living Skilled Nursing Assisted Living At Your Service! In-Home Companion Care
Historic Mount Olivet Cemetery Pre-Planning or At-Need? Explore the options with our compassionate staff . We will provide expert guidance to the associated services and products Mount Olivet offers. We ensure the perpetual care of loved ones' gravesites, be them traditionally buried, or entombed in the largest mausoleum complex in western Maryland. Spring 2020 marked the introduction of a new memorial cremation garden. Please visit or call us for more information.
We sell a large variety of monuments and memorials, check out our 90-acre showroom of designs and models! Our staff will install and maintain forever.
Friends of
Consider joining! Membership includes history lectures, tours, workshops, special events and other social activities. See our website for more information, or stop by. 515 S. Market Street ¡ 301-662-1164 ¡www.mountolivetcemeteryinc.com
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Boredom Busters
SUDOKU
Here’s How It Works:
Sudoku puzzles are formatted as a 9x9 grid, broken down into nine 3x3 boxes. To solve a sudoku, the numbers 1 through 9 must fill each row, column and box. Each number can appear only once in each row, column and box. You can figure out the order in which the numbers will appear by using the numeric clues already provided in the boxes. The more numbers you name, the easier it gets to solve the puzzle!
GUESS WHO 1
I am an actor born in Toronto, Canada, on May 5, 1970. I gained fame on an arresting television series and a popular Tina Fey-driven series, and later I appeared in many films both in-person and as a voice actor. My deep voice lent itself well to a Lego movie hero. Answer: Will Arnett
I am a singer/songwriter born in Brooklyn on June 17, 1943. I 2 attended Julliard. Some of my first work was writing jingles for businesses like State Farm Insurance. I am well-known for my own hits, and I also played piano during Bette Midler shows.
Sudoku Answers |
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Answer: Barry Manilow
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GOOD· SEKEEP
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• SCRATCHGUARD® PAINT FINISH • THE ONLY ONE-PIECE SEAMLESS DEBRIS • LIFETIME NO-CLOG WARRANTY SHEDDING GUTTER SYSTEM. • MADE ONSITE SPECIFICALLY FOR YOUR HOME 1Does not include cost of material. Expires 8/15/20. "All participants who attend an estimated 60-90 minute in-home product consultation will receive a $25 gift card. Retail value is $25. Offer sponsored by LeafGuard Holdings Inc. Limit one per household. Company procures, sells, and installs seamless gutter protection. This offer is valid for homeowners over 18 years of age. If married or involved with a life partner, both cohabitating persons must attend and complete presentation together. Participants must have a photo ID, be able to understand English, and be legally able to enter into a contract. The following persons are not eligible for this offer: employees of Company or affiliated companies or entities, their immediate family members, previous participants in a Company in-home consultation within the past 12 months and all current and former Company customers. Gift may not be extended, transferred, or substituted except that Company may substitute a gift of equal or greater value if it deems it necessary. Gift card will be mailed to the participant via first class Un�ed States Mail or e-mailed within 21 days of receipt of the promotion form. Not valid in conjunction with any other promotion or discount of any kind. Offer not sponsored or promoted by Darden and is subject to change wMout notice prior to reservation. Expires 8/15/20. LeafGuard operates as LeafGuard of DC in Virginia under registration number VA Class A Lic. #2705116122, in Maryland under registration number MHIC Lic. #116693, and in DC under registration number DC Permanent #420219000010.
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Discover the Beauty of Maintenance Free Living! Our patio homes offer open floorplans allowing for plenty of space for living and entertaining. Each two-bedroom home has a covered porch, rear patio and attached garage. We encourage individuals to customize their patio home with a sunroom, breakfast nook or other custom touches. Call the Marketing Office for more information.
Virtual Tours Now Available! www.homewoodfrederick.com 7407 Willow Road, Frederick Maryland • (301) 732-6153
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