Prime Time Nov. 2023

Prime Time NOVEMBER 2023

F R E D E R I C K

The lure of Bass Nation Maryland fishing group serves paralyzed vets

5 surprising facts about

Assisted living

The Frederick News-Post

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The way you want to live Publisher Geordie Wilson Director of Revenue Connie Hastings Advertising Director Brittney Hamilton Sales Support Manager Noelle Hallman

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On the cover: Longtime Frederick resident Dick Brown is a dedicated fisherman who has taken his passion and turned it into service for injured veterans.

Staff photo by Bill Green

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THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 3

PEOPLE

‘It changed me’ Maryland Bass Nation serves paralyzed vets with annual fishing tournament

BY GARY BENNETT SPECIAL TO THE NEWS-POST

L

ongtime Frederick resident and insurance executive Dick Brown is a dedicated fisherman who has taken his passion and turned it into service for injured veterans.

The organization he belongs to, Maryland Bass Nation, is one of many state affiliates of the National Bass Anglers Sportsmen Society Nation, which has approximately 24,000 members and is dedicated to conservation, youth activities and promoting the sport. Brown is the first vice president of MBN. Each spring, Paralyzed Veterans of America holds the Capital Clash Bass Tournament in conjunction with MBN to bring injured and paralyzed veterans together with experienced fishermen for a peaceful yet competitive weekend on the water for bass fishing.

Brown has put his heart and soul into organizing this tournament for 16 years as the tournament committee chairman for the Capital Clash event.

He has been involved in some capacity since 1997. Last year, they celebrated the 25th anniversary of the PVA B.A.S.S. Tournament Series. Fishermen range in age from 18 to 80.

Characteristically humble, Brown said, “I just kind of said I’m going to do this. The guy who got me involved was an old drill sergeant who just treated me fantastically. He was one of the best small-mouth bass fishermen in the country, and I wanted to learn from those guys. At first, PVA

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Staff photos by Bill Green

Longtime Frederick resident Dick Brown is a dedicated fisherman who has taken his passion and turned it into service for injured veterans. Maryland Bass Nation is one of many state affiliates of the National Bass Anglers Sportsmen Society (“B.A.S.S.”) Nation, which has approximately 24,000 members and is dedicated to conservation, youth activities and promoting the sport. did 98% of it [the tournament], and and the Capital Clash committee I just took people out in my boat. It spend most of the year organizing the took off from there.” tournament, including all fundraising and logistical activities.

A LOGISTICAL CHALLENGE Brown and his committee of eight Despite running a busy insurance fundraise to purchase and distribute agency and managing Type 1 diabetes T-shirts, tackle, lures and other supand disc problems in his back, Brown plies for the vets. Everyone gets a new,

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fully-stocked tackle box and a new rod and reel.

“If they come with nothing, they’ll still be able to fish, but they usually already have equipment. Most of us have a tackle store in the boat — it’s an addiction! We want the vets to get out on the water and enjoy themselves,

the camaraderie and the therapeutic aspect of that,” Brown said.

WHERE’S MY CAPTAIN? A big part of the organizing effort is to find enough boat captains to take the veterans out on the water.

Brown needs anywhere from 30 to 90 boats, depending on attendance and demand.

“You have to find guys who have bass boats big enough to go out on the bigger bodies of water, who can keep the fish alive, because they are released back into the river and are able to donate their time, abilities, gas and oil, which is not cheap,” according to Brown.

Brown says the captains assist the paralyzed veterans as much as they can. They are not allowed to cast for them unless the veteran is unable. The captains also cannot set the hook or reel in the fish, but they can net the fish for them when it is reeled into the boat.

“Sometimes I’m short 10 or more boat captains the night before,” Brown said. “Only if we have to will we put more than one disabled vet in a boat.

If someone wants to fish, we’ll find a spot for them.”

Dick Brown is first vice president of MBN. Each year, Paralyzed Veterans of America (“PVA”) holds the Capital Clash Bass Tournament in conjunction with MBN to bring injured and paralyzed veterans together with experienced fishermen for a peaceful, yet competitive, weekend on the water. Brown is shown polishing his fishing skills from his bass boat at Cunningham Falls State Park near Thurmont.

“

One of the things that gets overlooked sometimes is that veterans who are injured would not have this chance, NOT JUST FOR FUN The tournament is not just for ca- 25, 30 years ago, and they’re maraderie and relaxation. There are back here enjoying life — real championships with prizes at such as fishing — and not stake.

“We have a couple of donors who complaining. say they want every injured vet to get something,” Brown said. “PVA supplies prizes to the top 10 fishermen, and MBN steps in and supplies prizes to all the others.”

Championships are measured by a point system. For each tournament you weigh your five biggest bass, and whomever has the most weight wins the tournament.

Some are novice fishermen, but because they have a national tournament

Dick Brown

trail, some have become very skilled.

PVA developed this tournament trail for those who would like to fish nationally.

A FIRST-RATE OPERATION Generally, the two-day tournament begins on a Friday evening at the American Legion in La Plata. Reg-

istration is held while a picnic-style dinner is served of hamburgers, hot dogs and potato salad.

Names go into a computer, and the vets and boat captains are matched randomly, almost always one-to-one.

In keeping with the rules, the tournament is a total “blind draw.”

Brown explained it’s done this way so no one can pick their vet or boat captain ahead of time. “There’s always a different match made each year. It can be very competitive.”

Often these matches foster lasting friendships.

A typical fishing excursion lasts for eight hours. Vets and captains arrive at Smallwood State Park, near La Plata, at 4 a.m. Saturday and are on the water by 6 a.m. after a flag-raising ceremony. They mostly fish in the Potomac River near La Plata and the creeks on both the Maryland and Virginia sides. They only fish for bass.

There is a separate bank division tournament. These anglers fish from the river banks if they are not able to get on a boat, “a tourney within the tourney,” as Brown put it, and they also get prizes. They fish for anything, not just bass.

VETS LOVE IT Many anglers come from all over the country to participate. “I see huge smiles and get huge thank-yous,” Brown said. “Just getting away from their daily grind and out into nature is so great. The nice thing is the vets from this area just go 20 or 30 miles south of D.C., and it’s like you’re in Florida on the some of these creeks.”

Brown is proud of the fact that it is inspiring to hear participants exclaim that they are “already looking forward to next year” as they say their goodbyes.

(See TOURNAMENT 9)

THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 5

LIVING

5 surprising facts about assisted living

I

BY LIZ WESTON NERDWALLET

f you or a loved one can no longer live safely at home, assisted living may be the answer. Residents typically live in their own rooms or apartments and get housekeeping services, meals and help with personal care.

But facilities can vary enormously, and people’s expectations about assisted living often clash with reality, elder care experts say. Here are some important things to know.

1. MEDICARE DOESN’T COVER THE COST

Medicare does not pay for “custodial” care, which is what assisted living facilities provide, including help with daily activities such as bathing, dressing, getting in and out of bed, and using the toilet. Most people pay for assisted living out-of-pocket if they don’t have long-term care insurance, says Amy Goyer, AARP’s national family and caregiving expert.

Nationwide, the cost of assisted living facilities averaged $4,500 a month in 2021, according to the latest figures from long-term care insurer Genworth. But costs range enormously depending on the area and the services provided, Goyer says.

2. THERE MAY NOT BE A MEDICAL PROFESSIONAL ON STAFF

Assisted living is considered residential rather than medical care, says elder care expert Kate Granigan, president-elect of the Aging Life Care Association’s board of directors and CEO of LifeCare Advocates in Newton, Massachusetts. Some facilities bring in doctors or other medical professionals to provide routine care, she 6 | NOVEMBER 2023

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Elias Funez/The Union via AP, file

Bret Harte Retirement Inn residents make their way down to the dining room for lunch on May 6, 2020, in Grass Valley, Calif.

Assisted living. Nursing home. Skilled nursing. There are lots of names for facilities that provide care to those who can no longer live safely at home, but these terms aren’t synonymous with one another. If you’re researching the right place for yourself or a loved one, make sure you understand exactly what the facility provides, how much it costs and how you’ll pay for it. says. But if there is a medical professional on staff, it’s often a nurse who can assess people’s needs rather than provide hands-on care.

“They’re not there to change bandages and to administer medical assistance,” Granigan says.

ities can provide help around the clock, they aren’t designed for people who need one-on-one, constant care. That’s the function of a nursing home. If someone requires medical care in addition to help with daily living, they would need a skilled nursing facility.

3. YOU MAY NEED MORE Residents or their families often CARE THAN YOU’LL GET expect help on demand, but assisted The key word in assisted living is living facilities aren’t staffed for that, “assisted,” Goyer says. While facil- Goyer explains.

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“They may wait half an hour for someone to help them go to the bathroom,” Goyer says.

Assisted living facilities typically offer tiers of care, with each tier increasing in price. The first tier may include medication reminders and help getting in and out of the shower, while the next tiers offer increasing levels of hands-on care, she says.

Prospective residents or their families need to ask what’s included in

each tier and what exactly bumps the resident up to the next level of care, Goyer adds.

Another important question to ask is whether private caregivers can be brought in if the resident needs more care than the facility provides, Granigan says. Not all facilities allow outside help, which could mean the resident has to move to a nursing home if their needs increase.

4. YOU CAN GET KICKED OUT Scrutinize the admissions agreement — the legal contract that outlines the services, costs and other terms of admission —and ask questions about what can trigger an eviction. Assisted living facilities can kick people out if they have behavior problems, need more care than the facility provides or

can no longer pay the bill, says Jaclyn Flores, consumer and policy advocate for the nonprofit California Advocates for Nursing Home Reform.

Assisted living facilities also can raise rates with sufficient notice, and many have been doing so, Flores says.

“They’re increasing rates at an astronomical rate and people find themselves stranded because they can’t afford it anymore,” she says.

Flores recommends prospective residents have a Plan B long before their savings are exhausted. Options might include moving to a less expensive facility or exploring public benefits such as the aid and attendance benefit available to veterans or Medicaid, the federal public health insurance program for people with low income and few assets.

5. THERE’S NO ‘ONE-STOP SHOP’ FOR GETTING ADVICE AARP has a checklist for evaluating assisted living facilities, and advocacy groups such as CANHR and Consumer Voice can provide additional information. If you’re looking for assisted living, you’ll likely come across online marketplaces, placement agencies and consultants who offer to help. You may get valuable information, but the guidance may not be objective or comprehensive, Goyer says. Facilities pay these sources for referrals, so you may get steered to one that pays a commission rather than the one that’s the best fit.

For personalized advice, consider a consultation with an aging-life-care professional, also known as a geriatric care manager, who is paid only by your fees. For a cost that often ranges from

$100 to $250 an hour, the pro — who is typically a nurse or social worker — can evaluate the aging person’s needs, recommend resources and help find appropriate facilities, Granigan says.

Finding the right place can take time, and the pro also can recommend ways to keep the current home safer while you search, she adds. You can get referrals for an aging-life-care professional from the Aging Life Care Association.

Genworth’s “Cost of Care” survey was conducted by CareScout, a Genworth company, that contacted 67,742 providers by phone from June through November 2021 to complete 14,698 surveys of nursing homes, assisted living facilities, adult day health facilities and home care providers.

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MONEY

Why retirees may want to buy an immediate annuity now

BY LIZ WESTON NERDWALLET

ride out down markets, Williams notes.

The steady stream of income could n immediate annuity is an help you avoid selling investments to insurance product that pro- meet living expenses, he says. vides guaranteed income: You give an insurer a chunk HOW MUCH YOU CAN GET of money, and the company gives you FROM AN IMMEDIATE ANNUITY There are many types of annuities, a stream of payments that can last for life. The payments begin within 12 and some are mind-bendingly commonths of purchase. Now may be a plex. By contrast, immediate annugood time for retirees to buy an im- ities are relatively straightforward: mediate annuity, since payouts are Your payout depends largely on how the highest they’ve been in a decade, much you invest, your age, prevailing says Rob Williams, managing direc- interest rates and the payout option tor of wealth management at Charles you choose.

Schwab. But buying an immediate For example, a man and woman age annuity — also known as an income 65 who invest $100,000 can expect a annuity or a fixed immediate annuity monthly check of about $535 if they — is effectively irreversible, so you’ll choose the joint life option, where the want to choose carefully. payment continues for both lifetimes, according to Charles Schwab’s annuWHY YOU MIGHT WANT TO ity income estimator. If they choose a CONSIDER AN IMMEDIATE ANNUITY cash refund option, the monthly check One of the big risks in retirement is drops to about $532, but their heirs outliving your savings. Having enough will receive any money left over if the guaranteed income to cover basic ex- couple dies before getting back their penses can give you assurance that original investment. you’ll keep a roof over your head and That’s a relatively cheap form of food in the fridge, no matter what. A insurance and could provide some major source of guaranteed income reassurance to people who worry the is Social Security, and some people insurance company will “win” if they still have traditional pensions. If you die early, Williams says. don’t have enough guaranteed income Payouts also depend on the insurer. to cover essential living costs, though, According to the online marketplace an immediate annuity could fill in the ImmediateAnnuities.com, monthly gap, says Wade Pfau, author of “Retire- checks for the couple could range ment Planning Guidebook.” from $513 to $565 a month for the But immediate annuities shouldn’t joint life option, depending on the be an “all or nothing” solution, Pfau company. says. Ideally, you also would have monSome companies sell annuities with ey invested in stocks for growth, as well cost-of-living adjustments in each as cash reserves for emergencies. subsequent year, but initial payouts Immediate annuities can help you are much smaller. For our hypothet-

A

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NerdWallet via AP, File

Liz Weston ical couple, a 3% annual inflation adjustment would result in payouts ranging from $359 to $379 to start, according to immediateannuities.com.

Inflation protection may be unnecessary if retirees have Social Security, which is inflation-adjusted, and investments in stocks, which deliver inflation-beating returns over time, Pfau says.

PAY ATTENTION TO INSURER RATINGS

Because payouts vary, you’d be smart to shop around — but also consider the insurance company’s rating.

A financially weak company may not be around to deliver the promised payouts.

Your state’s guaranty association protects your annuity up to certain limits if your insurer fails. If you want

to invest more than the state coverage limit, consider buying from different companies so all your eggs aren’t in a single insurer’s basket, Williams says.

You can also “ladder” your purchases by buying immediate annuities every year or every few years. Annuity payouts are linked to the yield on highly rated corporate bonds, so laddering allows you to take advantage of higher payouts on newly purchased annuities if bond yields rise — although payouts could shrink if bond yields fall, he notes.

How your payouts are taxed depends on where you got the money to buy the annuity. If the cash came from an after-tax account, such as a savings or brokerage account, a portion of each payment will be considered a return of your investment and won’t be taxed.

If you’re buying the annuity with money in a qualified retirement account, such as an IRA or 401(k), the payouts typically will be taxable — but so would any withdrawal from such a source. The money used to buy an immediate annuity won’t be considered part of your retirement funds when it’s time to calculate required minimum distributions, which usually must begin at 73. That could be a boon for big savers who are worried about such distributions pushing them into a higher tax bracket.

Immediate annuities aren’t a solution for every retiree, but they can be an effective way to buy peace of mind, Williams says. “Generating income on your own can be daunting, and annuities are a good tool to help,” he says.

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Dick Brown fastens a lure to a fish hook.

TOURNAMENT (Continued from 5)

upset about? I would do it if I were in the organization or not. As long as I’m breathing and able, I’m going to participate.”

Brown considered joining the service out of high school but was disqualified. “‘You’re flat-footed and legally blind in your left eye’ was what they told me.”

It was disappointing because he was very fast and athletic and had been a hunter all his life, able to hit any target. He sees the tournament as a way to give back.

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“One of the things that gets overlooked sometimes is that veterans who are injured would not have this chance, 25, 30 years ago, and they’re back here enjoying life — such as fishing — and not complaining. They’re out there having wheelchair races and having fun, and that’s what made me realize this is important,” Brown said.

Many paralyzed vets hear about this opportunity through the rec department at Walter Reed National Military Medical Center in Bethesda. PVA also reaches out to local military bases and YOU CAN HELP hospitals, such as Fort Belvoir, Joint Anyone who wants to help with Base Andrews, Quantico, and the Bal- the tournament can contact Brown timore and Winchester VA hospitals. at dickbrown@4myinsurance.net.

There are several ways to volunA FISHING TOURNEY LIFER teer, such as distributing supplies Brown insists he will keep doing this and lunches, helping with parking as long as he is able. and weigh-ins, and many other tasks.

“It’s totally a labor of love,” he said.

If you know someone who is injured “If I were in their shoes, I would love or disabled and wants to fish, veterto have this available to me. It’s my an or not, they may qualify to fish in hobby anyway, which I don’t get to this tournament and are encouraged do very often. to contact Brown. For more infor“The very first time I did this, it mation, see pva.org/adaptive-sports/ changed me,” he went on. “Some days bass-tournament-series.

I don’t feel well because I’ve got Type The next PVA Capital Clash Tour1 diabetes. But what some of these nament is set for June 7 to 9, 2024, vets have to endure just to get out in Waldorf.

And yes, Brown has been working of bed each day and to function at all is amazing. What do I have to be on logistics for months already.

THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 9

NOVEMBER CALENDAR Events are subject to change.

Contact the sponsoring organization for any updates.

Duckpin Bowling — 1-3 p.m.

Thursdays, Walkersville Bowling Lanes, 44 W. Pennsylvania Ave., Walkersville. Recreational bowling.

Participants pay for cost of bowling.

Contact Gerald at 240-651-1865 or gvblessing@comcast.net.

Thursdays Bridge — 1 to 4 p.m., Spring Ridge Senior Apartments, call Judy at 336-662-2889. Reservations required.

Exercise — 8:50 to 10 a.m. Mondays, Wednesdays and Fridays, William Talley Rec Center, 121 N. Bentz St., Frederick. $2 per session. Call Susan at 301-695-1785 or jsusan481@aol. com.

Talley SRC Book Group — 10:15 a.m. third Monday of the month, William R. Talley Rec Center, Staff photo by Ric Dugan Classroom A (ground floor) 121 N. Raena Whims, left, and her sister Skylar Whims search for gourds and pumpkins with their grandmother Leigh Joos at the Gaver Bentz St., Frederick. Kathy at 908Farm Fall Fun Fest near Mount Airy in October.

797-6539 or hkblackstone01@gmail. com.

Time: 2:30 p.m.

Location: Mount Airy Senior Center, Journey 703 Ridge Ave., Mount Airy Taney SRC Book Group — 2:30 p.m.

Location: Virtual 50+ Center This one-man play is the on the fourth Thursday of the month, Contact: 240-674-1961 autobiographical story of Samuel Contact: VirtualSeniorCenter@ Frederick Senior Center, 1440 Taney Simon, who faces his diagnosis of Medicare Part D Open Enrollment FrederickCountyMD.gov or 301-788Ave., Frederick. Mary Ann at 301-662Alzheimer’s disease as he explores the Questions about your Medicare Part 1075 6199 or mafoltz919@verizon.net. struggle of a broken medical system D plan? Need to find a new Medicare NOV. 2 Bicycling — As scheduled March and a personal and family tragedy.

Part D plan? Attend this do-it-yourself through November, weather The performance will be followed by a Duplicate Bridge Game workshop! permitting. Helmets required. Rides talk-back session featuring Mr. Simon, Looking for a competitive mind sport?

Time: 11 a.m. vary. Kathy at 301-606-0064 or Daisy Lopez-Duke, LCPC, and other Frederick Bridge Club duplicate Location: Online and hosted by sailawayhr@comcast.net. local experts. Hosted by the Frederick games allow you to hone your skills Division of Aging and Independence County Division of Aging and Basketball — 6:30 to 8:30 p.m. and make new, like-minded friends.

Virtual 50+ Center Tuesdays, November through April, $2 Independence. Free, no registration All are welcome, no membership Contact: 301-600-1234 per session. Walkersville Rec Center required. requirements. Need a partner? or VirtualSeniorCenter@ located in Walkersville Elementary Time: 1 p.m.

Contact our player representative, FrederickCountyMD.gov School (enter through the gym doors Karol McIntosh, at karolmcin@yahoo.

Location: JBK Theater at Frederick Frederick County Volunteer Fire & on right side of the school). Gerry com. Also Nov. 6, 9, 13, 16 and 20.

Community College, 7932 Rescue Association’s Cash Bingo at 240-651-1865 or gvblessing@ Cost is $7.

Opossumtown Pike, Frederick comcast.net.

Doors open at 4:30 p.m., Dinner is at Time: Noon to 4 p.m.

Contact: 301-600-1234 5 p.m. and games start at 6:30 p.m. or VirtualSeniorCenter@ NOV. 1 Location: Church of the Admission includes dinner and the FrederickCountyMD.go Transfiguration, 6909 Maryland Ave., Fisher Fundamentals following games: 1 U Pick Um paying Frederick $500, 12 regular games paying $150, Find out about the fascinating fisher, NOV. 4 4 specials paying $200, Jackpot Contact: 301-254-4727 or what these animals are and how Holiday Craft and Vendor Show paying $1,000. Payouts based on 125 they are surviving at Whiskeytown bridgewebs.com/frederick Benefits the senior center. Free players and will be adjusted up if over National Recreation Area. Presenter: NOV. 3 admission.

150 players. Down if less than 100.

Whiskeytown National Recreation Area.

Dementia Man: An Existential Time: 10 a.m. to noon Extra cards available, 50/50, King Tut 10 | NOVEMBER 2023

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games. $45.

Time: 4:30 to 10 p.m.

Location: Urbana Volunteer Fire Department, 3602 Urbana Pike, Urbana Contact: 240-409-4114 or fcvfra.com

NOV. 6

New to Medicare Workshop Are you new to Medicare, or will be soon? Trained State Health Insurances Program (SHIP) staff help Medicare beneficiaries, family members and caregivers understand Medicare benefits, bills, and Medicare rights.

Free, pre-register.

Time: 10 a.m.

Location: Online and hosted by Division of Aging and Independence Virtual 50+ Center Contact: 301-600-1234 or VirtualSeniorCenter@ FrederickCountyMD.gov Beginner Stained-Glass Staff file photo by Katina Zentz Learn to create a pattern, cut glass, In their turkey costumes, Jodie Jameson, left, and Dirk Van Wie prepared for Sheppard Pratt’s Turkey Trot in Baker Park on foil and solder to create your own Thanksgiving Day in 2022. unique glass project. Be guided with eggs (cooked to order), Wagner register http://frederickcountymdstep-by-step instructions. This class is This presentation will explain gov.3dcartstores.com Meats sausage, and beverages. important planning documents such open to new and returning students.

The proceeds will benefit local as wills, advance directives, and Bring your own lunch or reserve a Senior Services Advisory Board community service projects. Bring a power of attorney forms — all of lunch. Instructor: Bob Galandak. $50, Meeting nonperishable food or toiletry item to which ensure that a person’s wishes pre-register (3-weeks).

Each month features a special guest donate to the Mount Airy Net Food are properly carried out at the end Time: 10 a.m. to 3 p.m. speakers on topics of interest to the Pantry. Santa will be visiting during the seniors in Frederick County. Check Location: Emmitsburg 50+ Center, 300 of their life. The presentation will breakfast! $10 adults, $5 ages 5 to 10. include an overview of each planning the SSAB’s Facebook page for the S. Seton Ave., Emmitsburg document, including a review of Time: 7 to 11 a.m. speakers schedule.

Contact: 301-600-6350 sample documents that individuals Location: Calvary United Methodist or VirtualSeniorCenter@ Time: 1 p.m. can fill out on their own. Sample Church, 403 S. Main St., Mount Airy FrederickCountyMD.gov or Location: Bourne Building, 355 documents will be provided on-site register http://frederickcountymdContact: 240-394-2546 or Montevue Lane, Frederick during the presentation. Presenter: gov.3dcartstores.com mtairykiwanis.org Contact: 301-639-8518 or Cassie Erler, Staff Attorney, Maryland swast90024@aol.com Legal Aid. Free, pre-register.

NOV. 7 NOV. 13 Time: 1:30 p.m.

Senior Basketball NOV. 15 Gourds & Pumpkins Watercolor Location: Urbana 50+ Center, 9020 No set teams, all skill levels welcome.

Friends in Frederick Parkinson’s Create a watercolor painting of $2 per session, Tuesdays through Jan. Amelung St., Urbana Disease Support Group autumn gourds and pumpkins. New 9, 2024.

Contact: 301-600-7020 The group will host discussion groups and returning students welcome!

Time: 6:30 to 8:30 p.m. or VirtualSeniorCenter@ at the Nov. 15 meeting as part of the Instructor: Dorothea Barrick. $15, preFrederickCountyMD.gov Location: Walkersville Recreation Caring and Sharing series. register.

Center at Walkersville Elementary Time: 1 p.m.

NOV. 11 Time: 1 p.m.

School, 83 W. Frederick St., Kiwanis Club of Mount Airy Fall Location: Emmitsburg 50+ Center, 300 Location: Mount Pleasant Ruritan Walkersville Club, 8101 Crum Road, Walkersville Pancake Breakfast S. Seton Ave., Emmitsburg Contact: 240-651-1865 Contact: 240-815-0080 or fifpdsg.org This all-you-care-to-eat breakfast Contact: 301-600-6350 Contemporary Arts of the Silk Road NOV. 8 fundraiser includes pancakes (regular, or VirtualSeniorCenter@ chocolate chip and blueberry), My Choices: Planning Ahead Explore the post-colonial and postFrederickCountyMD.gov or THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 11

NOVEMBER CALENDAR Soviet interpretations and influences on contemporary art in Central Eurasia. Beginning with a discussion on Orientalism. Presenter: Inner Asian and Uralic National Resource Center.

Time: 2:30 p.m.

Location: Virtual 50+ Center Contact: 301-788-1075 or VirtualSeniorCenter@ FrederickCountyMD.gov

NOV. 16

Medigap/Supplemental vs Advantage Plans Learn more about these different types of Medicare programs to help determine which type of program may be the best for you. Trained State Health Insurances Program (SHIP) staff help Medicare beneficiaries, family members and caregivers understand Medicare benefits, bills and Medicare rights.

Time: 2 p.m.

Location: Online and hosted by Division of Aging and Independence Virtual 50+ Center Contact: 301-600-1234 or VirtualSeniorCenter@ FrederickCountyMD.gov

NOV. 17

Circle of Friends: Memory Cafe Frederick County Senior Services Division and the Alzheimer’s Association Memory Café offers a fun and relaxed way for people living with memory loss and their care partners to get connected with one another through social events that promote interaction and companionship. Free, Pre-register.

Time: 11:30 a.m.

Location: Urbana 50+ Community Center, 9020 Amelung St., Urbana Contact: 301-600-6001

or CaregiverSupport@ FrederickCountyMD.gov Groceries for Seniors A free monthly distribution of seasonal produce, canned goods, and shelf stable products in a farmers market style setting. A free box lunch to the first 100 seniors. Additional resources and information. All Frederick County residents age 60+ with an income below $1,600 per month are eligible to participate. Please bring a photo ID to register the first time. Groceries for Seniors is offered on the third Friday of each month. Don’t forget your reusable shopping bag. Offered through Frederick County Division of Aging and Independence. Time: Noon (and continues until all food is distributed) Location: Frederick Senior Center, 1440 Taney Ave. Frederick Contact: 301-600-1234 or DAI@ FrederickCountyMD.gov

NOV. 18

Wills 101

Learn more about creating a will and how the Frederick County Register of Wills office can assist. Presenter: The Honorable Mary C. Rolle, Register.

Free, pre-register.

Time: 10 a.m.

Location: Virtual 50+ Center Contact: 301-788-1075 or VirtualSeniorCenter@ FrederickCountyMD.gov

NOV. 21

Autumn Watercolor No skill required, there will be stepby-step instruction. This class is for all skill levels. All supplies will be provided. Instructor: Michelle Moore. $10, pre-register.

Time: 1 p.m.

Location: Brunswick 50+ Center, 12 E. A St., Brunswick Contact: 301-834-8115 or VirtualSeniorCenter@ FrederickCountyMD.gov or register frederickcountymd-gov.3dcartstores. com

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12 | NOVEMBER 2023

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or call (301) 234-7232.

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THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 13

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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!

14 | NOVEMBER 2023

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PRIME TIME FREDERICK

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THE FREDERICK NEWS-POST

Have confidence in every conversation.

Do you find it difficult to use a standard phone? Do people ask you to repeat yourself during telephone conversations? Do you miss important calls because you can’t hear the phone ring? The Maryland Accessible Telecommunications (MAT) program is here to help by giving Maryland residents the opportunity to apply for State-provided telecommunications equipment to independently make and receive calls. Once you qualify, a skilled evaluator meets with you to determine the best device to support your day-to-day communications. The MAT program has a variety of equipment solutions to support clearer communication, including: • • •

Amplified phones Tablets Ring signalers

• • •

Phones with large and/or high contrast buttons Captioned Telephones And more

For more information: 800-552-7724 | 410-767-7253 (Voice/TTY) 410-801-9618 (Video Phone) | MDMAT.org

THE FREDERICK NEWS-POST | PRIME TIME FREDERICK | NOVEMBER 2023 | 15

Take Advantage of the Pre-Opening Entrance Fee Rates

Now is the time to take advantage of the lower Entrance Fee rates.

A few apartments are still available within The Lodge expansion.

Schedule your tour today to learn more about the opportunities, services, and amenities at Homewood.

The Lodge apartments offer independent living residences with an open floor plan concept. All apartments have spectacular views of the Catoctin Mountains and the Homewood campus.

Call to schedule your tour today!

A 10% Deposit on the Entrance Fee reserves your apartment!

Reserve one today!

“No person shall be subject, on the basis of race, color, sex, sexual orientation, religion, national origin, familial status or disability, to discrimination in the terms or conditions for admission to, treatment or the provision of services in, one of our communities.”

16 | NOVEMBER 2023

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PRIME TIME FREDERICK

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