Beach To Bay Times - December 2013 by Molly L. Hilligoss

FEATUREDÊARTIST JULIEÊURIAN

1147 Pemberton Drive, Salisbury, MD

410.677.0707

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ADVERTISE WITH US! Now accepting advertising placements for December 2013 - Any Month in 2014!

Call me (Molly Hilligoss) at 443-523-5599!

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w w w. b e a c h t o b a y t i m e s . c o m m o l l y @ b e a c h t o b a y t i m e s . c o m Beach to Bay Times is published monthly by Beach to Bay Publications, Inc. Beach To Bay Times, formerly The Chesapeake East Calendar Guide, is the single source for events, festivals, music, the arts, culture, family activities and fitness races/fun runs on the Eastern Shore of Maryland and Delaware Beaches. Free monthly printed editions are available in over 300 locations and always available online at www.beachtobaytimes.com. For locations, go online. To subscribe and have a printed magazine mailed to you each month, please contact me at molly@ beachtobaytimes.com. Subscription price is $25/year or $3 per individual copy. Contents of this publication may not be reproduced in part or in whole without prior approval of the publisher. The publisher does not assume any liability for error and/or omissions.

If you have an event or information that you would like printed, please go to www.beachtobaytimes.com and enter your event information in the submit your event drop down.

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13 “The Gift of the Magi” 16 Health Care Reform by Diana H Johnson, CEBS 34 About our cover artist - Julie Urian 61 Rozelle Purnell Handy, Freedom Fighter for Worcester County by Holly Zaneski-Kapp 50 Self Publishing How To, by Brittney Herz 44 Medicare & the Health Insurance Market Place, by Jim Laverty LUTCF

3 month feature-OCT.NOV. DEC . Thinking about starting a business? Do you have what it takes?

35 The Women's Fund of the Eastern Shore 36 Just Ask Ann, by Ann Shaw 38 Sharing Your “Bounty” Can Be Rewarding by Edward Jones's Dennis Hopson, CFP 3

Old Fashioned C 12/2 POCOMOKE CITY @7PM Maryland’s Largest Christmas Parade! On Market Street. 12/5 BERLIN PARADE @7PM 12/6 SELBYVILLE, DE PARADE @7PM Route is: Church St. & Railroad to Church & Main St. 12/6 CRISFIELD For more info, contact the Crisfield Area Chamber of Commerce 410-968-2500, 800-782-3913 www.crisfieldchamber.com 12/7 OCEAN CITY @11AM Coastal Hwy from 100th Street to 115th Street. 12/7 EASTON @5PM 12/7 CHINCOTEAGUE ISLAND @7PM  Floats, bands, Fire Companies from all around the Eastern Shore and of course a special visit from Santa. 4

d Christmas Parades 12/7 PRINCESS ANNE @11AM the route will be along Somerset Avenue in downtown Princess Anne. Sponsored by the Princess Anne Chamber of Commerce (Sharon Harris, Parade Chair) 410-651-2961 or 410-651-0422 12/7 CAMBRIDGE @5PM (Lineup is 4PM) Starts at Long Wharf, down High Street, left on Poplar St, onto Race St. to the corner of Washington St in Downtown Cambridge. Contact the Dorchester Chamber for more info. 12/8 SALISBURY JAYCEES PARADE @2PM public viewing at Mt. Hermon Road and East Main Street. Ends at Ward Street. 12/9 SNOW HILL @7PM Lions Club Annual Christmas Parade Lions Club Annual Christmas Parade- downtown Snow Hill, (Rain Date: 12-11-2013) 12/14 HURLOCK PARADE @NOON TO 2PM

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Holiday Events Town of Berlin Christmas Tree Lighting FRiday, novemBeR 29Th, 5:30 Pm

Holiday Arts Night

FRiday, novemBeR 29Th, 6-9 Pm

Classical Christmas Concert & Dinner monday, decemBeR 2nd

At the Atlantic Hotel and Taylor House Museum Reservations Required – 410-641-1019

Annual Christmas Parade

ThuRsday, decemBeR 5Th, 7 Pm

Taylor House Museum Candlelight Tours

FRiday, decemBeR 6Th, 13Th & 20Th - 5-7:30 Pm

Breakfast with Santa

saTuRday, decemBeR 7Th, 8:30 & 10:30 am

Reservations – 410-641-0234

Taylor House Museum Day Tours

saTuRday, decemBeR 7Th, 14Th & 21sT - 1-4 Pm

2nd Friday Art Stroll

Pemberton Pharmacy has great toys for every girl & boy! Plus... we are a drop-off location this year!

FRiday, decemBeR 13Th, 5-8 Pm

Art Openings and Gallery Receptions

Men’s Night Out

FRiday, decemBeR 20Th , 5-8 Pm

New Year’s Eve Ball Drop

Tuesday, decemBeR 31sT, 10 Pm - 12:30 am

Daily

CELEBRATE

DEC.EMBER 11/27-12/5 Hanukkah Begins at Sundown

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11/28 Thanksgiving 11/28-12/1 Assateague Island Waterfowl Weekendâ&#x20AC;¨

Chincoteague National Wildlife Refuge celebrates the marvel of fall migration. A variety of guided walks and auditorium programs will be offered during this time. For more details visit www.fws.gov/northeast/chinco, or call 757-336-6122.

Order Pumpkin Smith Island Cakes

11/30 (Saturday) Town Christmas Tree Lighting

Lighting of the Town Christmas Tree in Robert Reed Waterfront Park, Chincoteague Island.

today! D

11/30 Small Business Saturday

Bishopâ&#x20AC;&#x2122;s Stock Art & Wine Gallery is offering 20% off orders for wine gift baskets.

12/11-1/1/2014 Winterfest of Lights

Dazzling holiday light displays at Northside Park, 125th Street., Ocean City, MD Sunday through Thursdays 5:30PM-9:30PM, Fridays & Saturdays 5:30PM-10:30PM.

12/1 (Sunday) Holiday Open House

at The Ocean City Life Saving Station Museum 10AM-5PM Free

12/1 & 15 Poplar Hill Mansion Tours

Free tours are the 1st and 3rd Sunday of each month from 1-4, private tours by reservation for a small fee. The Mansion is a wonderful venue for weddings, special events and meetings. Contact Curator for more information at 410 749 1776 or curator@poplarhillmansion.org, Newtown District, Salisbury

December 12th thru 24th

12/1 â&#x20AC;&#x201C; 31 Christmas Garden of Trains

Rescue Fire Company, 307 Gay Street, Cambridge, MD. Monday-Friday, 6-9 pm. Sat & Sun from 12 noon-4 pm & 6-9 pm

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11/25 Holiday Tree Lighting@ Byrd Park 5:30pm

12/6

12/7

First Friday Arts on the River 5-8pm

Holiday Craft Fair@Old Firehouse & Christmas Train Garden with Santa@Pocomoke River Canoe Co.

Victorian Christmas @ Purnell Museum 10am-4pm Craft Show & Lucheon @ Fulton Senior Center 9am-2:30pm 19th Century Christmas @ Furnace Town Noon - 5pm 12/9 Lions Club Christmas Parade @7pm 12/14 Cookies & Cocoa with Santa@ Harvest Moon Tavern 12/31 New Yearâ&#x20AC;&#x2122;s Eve Celebration @ Old Firehouse 9pm-1am 1212/weekendsDChristmas E CTrainE Garden M @BPocomoke E R River 2 Canoe 0 Co. 1 3

“The Gift of the Magi” by William S. Porter, whose pen name is better known as O. Henry, has captivated readers. None more than local composer, Gwen Skeens, who has written a musical score to express the selfless sacrifice of the young married couple so determined to provide worthy Christmas gifts for each other that they sell their most valued possessions only to discover the gifts are no longer of any use. Della cuts and sells her long lustrous hair to buy a golden chain for Jim’s watch, only to find that Jim has sold his watch to purchase ivory combs to adorn her tresses. The outcome is a surprise as each realizes the futility of the situation. Yet, the gifts are a powerful expression of their love. Since 2001, Gwen and her husband, Jim, have retired to Greenbackville, Virginia and she has continued composing and directing original musicals at the Historic Palace Theater in Cape Charles and the Marva Theater of Pocomoke City. She was commissioned to compose music for Jean K. Collins’ historic epic “Piece of Eden” in 2007. This production chronicled Virginia’s early settlement from 1618 to 1776. “Gift of the Magi” will be hosted by Makemie Memorial Presbyterian Church located at 101 W Market Street in Snow Hill, MD on Saturday,

December 14 at 7:00 p.m. and Sunday, December 15th at 4:00 in the afternoon. The production will feature three soloists and a community chorus of singers from Snow Hill churches. Leslie Immell will sing the role of Della, Richard Thomas, the role of Jim and Barbara Coalter, the role of Madame Sofronie accompanied by pianist, Sandra Coston-Barkley. The performance is open to the public.

Handcrafted by Theresa Pruitt 410.742.6438

“The Gift of the Magi”

This Christmas story, with its sentiment has haunted composer, Gwen Skeens for over twenty years. She kept a folder of notes and lyrics tucked away until June of 2013 when she began to create a musical adaptation of the O. Henry work.

Hello Friends, Dusting off the Christmas ornament bins, takes me to years past, when my children were bright eyed and believed everything word I said - “You know, Santa only comes to children who are sound asleep in their beds! Oh, listen - could that be reindeer on the roof?” My kids are now teenagers and my mantra has shifted to “Santa only comes to those who clean their rooms, help out around the house and rake leaves!” - and Santa is serious! Lucky for me, as the oldest of all the siblings, I can still get a niece or nephew under the age of 4 to sit next to me while I read to them my favorite Christmas stories or enlist their help making chocolate crinkles, pecan tarts and old fashioned oatmeal cookies! Ahhh yes, holiday traditions! Each year, I excitedly tell the family that I bought tickets to this or that holiday show or event, despite the groans, really Mom? and do I HAVE to go? There is so much happening this December that I need to get serious and buy tickets. Perhaps dinner at the Teackle Mansion? The Magi performance? Victorian Christmas at Furnace Town and the Purnell Museum (both the same day – we could do both!) I am definitely taking my nephew John to see the old fashion trains in Snow Hill, Berlin and Cambridge! This year is the second year that my group of girlfriends & I are doing a cookie exchange instead of a gift exchange. It is such a delight to get together and share good food, laughs, hugs, dreams, tears and cookies! Before I finish here, I would like to take a moment and thank all of my loyal advertisers and article contributors for their support this year. Many thanks to Gemma Boyer, who take my ideas and vision and breathes life to it with her design work. This local community arts and events magazine is only possible with advertiser support. The distribution of it is only possible with the many loving hands of friends and family that help me personally deliver it. Thank you all! Merry Christmas, Happy Hanukah & Happy New Year! Your sugar covered, cookie baking Editor…

Weekends in December Winter Train Garden

Pocomoke River Canoe Co. See O-gauge trains in a setting reminiscent of Snow Hill in days gone by, 1-4pm Weekends in December, 6-8, 14-15, 21-22

11/25-1/1/2014 Snow Hill Holiday Lights Byrd Park, free. 12/2 (Monday) Pocomoke City Christmas Evening & Parade

5:30PM (Events) 7PM (Parade) on Market Street. The Mayor’s Old-Fashioned Christmas Evening will be Friday, Dec 6th from 5:30-8:30pm. It includes the Annual Tree Lightening in Downtown Pocomoke with awesome entertainment from singing to dance performances. There will also be a Santa House, Bonfire, S’mores & Hotdogs, Wine Tasting, Decorations, Kids Activities, Vendors & Horse-Drawn Carriage Rides.

12/3 (Tuesday) Children’s Program: Story Time at the Somerset County Library 11:15 am in the Princess Anne branch. Call ahead for name of story; 410-651-0852.

Last one in the series in Princess Anne.

12/4 (Wednesday) Road Trip to Longwood Gardens at Christmas

$52....Enjoy the beauty of Longwood Gardens decorated for the Christmas Season! This is an opportunity to let someone else do the driving as you travel by small group. Time at the Gardens is “on your own” to enjoy at your pace and pleasure. Admission to Gardens included in tour price. Reserve early......sells fast!! Call Priscilla Timken at Chesapeake Tours & Promotions, 443-366-2784 to reserve your seat on the Tour!

12/5 (Thursday) Story Time at the Somerset County Library

Children’s Program@ 11:15 am in the Crisfield branch. Call ahead for name of story; 410-9680955. Last one in the series for Crisfield.

Health Care Reform:

don’t miss the

Factors Affecting Premium

CRAFT EVENT! Nov. 29&30

Cost By Diana H Johnson, CEBS

LOCAL ARTISTS SALE 10am-6pm

find Holiday Happiness at Chesapeake East Co. fine art & craft by local artists or make unique gifts at PIY Paint it Yourself Pottery! or shop online at danasimsimson.com

OPEN: 11am-6pm, Mon-Fri, Sat 10-4 501 W Main St. Salisbury, MD. 410 . 546 . 1534 made by HAND with HEART.............

Beginning Jan. 1, 2014, health insurance companies offering coverage to individuals and small employers (2 – 50 employees in Maryland) will only be allowed to vary premiums based on age, family size, geography and tobacco use. Basing premiums on other factors will be illegal under the Fair Health Insurance Premiums provision of the Affordable Care Act (ACA). Factors that will no longer be taken into account in determining premium prices in 2014 include health status, past insurance claims, gender occupation, how long an individual has held a policy and the size of the employer. Under the ACA, health plans will be allowed to adjust premiums based only on the following factors: 1. AGE. Insurance companies will be allowed to vary rates based on age, but they may not charge older people more than three times the rates they charge younger people (currently in Maryland the ratio is 5:1 vs. 3:1). Older adults are defined as persons who are 64 or older. Younger persons are defined as people between the ages of 21 and 63. Age bands in Maryland will follow the federal guidelines: a.Age 0 – 20 one age band b.Ages 21 – 63 one year age bands (43 separate age bands!) c.Age 64 and older one age band

2. TOBACCO USE. Insurance companies will be allowed to charge up to 50 percent more in premiums for people who use tobacco products than they charge for non-tobacco users. 3. FAMILY SIZE. Insurance companies will still be allowed to vary rates based on who is enrolled in the plan. Different rates can be charged based on whether the plan covers only an individual or a family. In Maryland rates for families must be determined by aggregating the individual rates for each family member and accounting for factors such as age and smoking status. 4. GEOGRAPHIC AREA. Insurance companies will be allowed to charge more for people who live in areas where medical costs are high. Rating area is the home address for individual market coverage or the employer’s primary place of business in the state, for small group coverage. Maryland is divided into four geographic rating regions: •Baltimore Metropolitan: Baltimore City, Baltimore County, Harford County, Howard County and Anne Arundel County •Eastern and Southern Maryland: St Mary’s County, Charles County, Calvert County, Cecil County, Kent County, Queen Anne’s County, Talbot County, Caroline County, Dorchester County, Wicomico County, Somerset County and Worcester County •Washington DC Metropolitan: Montgomery County and Prince George’s County •Western Maryland: Garrett County, Allegany County Washington County, Carroll County and Frederick County

Wellness Program Incentives The ACA also permits employmentbased health plans to charge employees up to 30 percent more on their premiums (and potentially up to 50 percent more) if they fail to participate in a wellness program or meet specified health goals such as losing weight and quitting smoking. Market Size and Grandfathered Plans The new guidelines for premiums do not apply to all insurers. They only restrict the premiums that issuers may charge in the individual and small group markets. If you have a health plan that was in existence before March 23, 2010, that adjusts premiums outside of the above provisions, that plan is considered “grandfathered” and does not have to change. Health plans must disclose whether they are grandfathered. To find out if your plan is grandfathered, or if you are unsure of whether your plan is subject to the Fair Health Insurance Premium rules, check your health plan documents or consult your employer, plan administrator or health insurance broker.

Diana H. Johnson, CEBS, CLU, ChFC, is vice president of employee benefits, broker/ consultant at the Avon-Dixon Agency, Easton, Md. Diana is a certified employee benefits specialist (CEBS). Contact her at benefits@ avondixon.com.

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145 A Market Street Pocomoke City, MD 410.957.0100 Tuesday ~ Saturday 10am • 5pm

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Located on Marylandâ&#x20AC;&#x2122;s Eastern Shore along the banks of the scenic Pocomoke River. We invite you to discover these outstanding attractions. Costen House this example of Victorian Italianate architecture is beautifully decorated as a period museum. Each room is a treasure of things that take you back to the late 19th Century. 410.957.4579. costenhouse.org Delmarva Discovery Center is a place to learn about the Pocomoke River, coastal ecology, human habitation and shipbuilding heritage. 410.957.9933. delmarvadiscoverycenter.org Mar-Va Theater is a meticulously restored 1920s art deco theater, home to live performances and movies. 410.957.4230. mar-vatheater.org Pocomoke City Nature & Exercise Trail covers 5 miles and includes floating boardwalks, exercise station, fishing pier and canoe launches. 410.957.9933. delmarvadiscoverycenter.org Sturgis One-Room School Beautifully restored African-American one room school and Heritage House Museum. 410.957.1913. sturgismuseum.org

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12/5 Festival of Wreaths: Holiday Benefit Gala

5:30-7:30: Pleasant Day Medical Adult Day Care Center, 2474 Cambridge Beltway, Cambridge, MD; Festival of Wreaths. The public is invited to walk through the halls and browse the donated designer wreaths. The Holiday Benefit Gala closes the Festival of Wreaths, with a silent auction of unique gifts, final silent auction wreath bidding, wine and food tasting, featuring specialties from local restaurants and caterers, and live entertainment. Please RSVP robin@dorchesterchamber.org or 410-2283575 More info: 410-228-0190.

12/6 & 7 (Fri & Sat) Snow Hill Holiday Craft Fair

at the Old Fire House. . Details: December 6th 5:30PM to 8:00PM & December 7th 10:00AM3:00PM, info: Call Deb Rolig at 410-603-2996

12/6 Opening Reception for December Exhibits

5-7pm, OC Center for the Arts 502 94th St. www.artleagueofoceancity.org Holiday Show and Sale Juried and judged works; In the Galleria: Best of the Best in 2013. Spotlight Gallery: The works of Paige Ruby

12/6 (Friday) Arts on the River First Friday event, Snow Hill, Free, 410-632-3555 12/6 Bishop’s Stock Art Gallery – 10th Anniversary Studio Sweep Sale The best time to find great buys for gifts or for your own collection. Snow Hill

12/6 (Friday) OC Center for the Arts Gallery Reception & Exhibit

5-7p.m., FREE Holiday Show/Sale Juried & Judged, Artist’s Choice, All Media Galleria - Best of the Best in 2013 Show, OC Center for the Arts at 502 94th Street, Ocean City. More info at www. artleagueofoceancity.org or call 410-524-9433

12/6 (Friday) OC Center for the Arts Gallery Reception & Exhibit

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SALISBURY “POPS” CONCERT

Tuesday, December 3

Holloway Hall, Auditorium • 7:30 p.m.

SU JAZZ ENSEMBLE

Thursday, December 5

Holloway Hall, Auditorium • 7:30 p.m.

MUSICAL THEATRE WORKSHOP PRODUCTION OF COMPANY

Thursday, December 5-8*

Black Box Theatre • 8 p.m., *2 p.m. ticket information: www.Showtix4U.com “Salisbury University”

SALISBURY SYMPHONY ORCHESTRA Saturday, December 7

Holloway Hall, Auditorium • 7:30 p.m.

Department of Music

SALISBURY YOUTH ORCHESTRA Thursday, December 12

www.salisbury.edu/musicdept/calendar 410-543-6385

Holloway Hall, Auditorium • 7:30 p.m.

12/6 Opening Night & Annual Show at Dorchester Center for the Arts

The Wednesday Morning Artists of Cambridge will be staging another Opening Night event on Friday, December 6 starting at 5 pm. It is free and open to the public. More info at 410.228.7782.

12/6 Christmas Pajama Party

6-8pm. Hey kids! Come dressed in PJ’s (adults too) and take 15% off a new pair of Christmas Pajamas! Bring your whole family, your favorite stuffed animal, and a photographer will snap a picture to capture a memory. We’ll provide refreshments and fun. It’s a Jolly Jammie Jamboree! at Barefoot Baby Boutique in Princess Anne. See our ad. >>>>>

12/7 (Saturday) Victorian Christmas Celebration

10am-4pm Escape the holiday rush and return to a more genteel time at the Victorian Christmas Celebration. Sample old-fashioned holiday treats including warm mulled cider, mincemeat tarts and lemon peppermint sticks. Children can make a button wreath craft to take home. The museum gift shop is the perfect place to buy 11779 Somerset Avenue stocking stuffers! Event included in general Princess Anne, MD admission (adults $2; children $.50). Julia A. 410-621-5398 Purnell Museum, 208 W. Market St., Snow Hill, www.facebook.com/BarefootBabyBoutique/ MD, www.purnellmuseum.com 410-632-0515

12/7 Free Movie Night

Around the World: Series featuring critically acclaimed, international, independent films. Clandestine Childhood Wednesday Dec. 4th in the upstairs screening room at Movies at Midway 7:00 pm. Admission: Free. Info contact Rehoboth Beach Film Society at 302-645-9095 x1

12/7 Victorian 19th Century Christmas Experience at Furnace Town Step back in time to a, Snow Hill, 410-632-2032

12/7 Christmas Church Service at Furnace Town 7-8pm, 410-632-2032

12/7 Aging Craft Show & Luncheon

Worcester County Commission on, Fulton Center, 9am-2:30pm

12/7 Olde Princess Anne Days

Christmas Home Tour and Reception at Teackle Mansion. Tour homes decorated for Christmas. House tour and reception are ticketed separately. Limited tickets available for the reception. Sponsored by the Somerset Co. Historical Society. For more info, call 410-651-2238 or visitwww. somersetcountyhistoricalsociety.org

12/7 Christmas Historic House Tour

Salisbury. 11:00 am to 7:00 pm Get into the spirit of the holidays by visiting splendidly decorated historic homes in Salisburyâ&#x20AC;&#x2122;s Newtown neighborhood in December. Six of Newtownâ&#x20AC;&#x2122;s finest homes will be decorated for the holiday season and open for viewing for the Historic Newtown Christmas House Tour. Five churches will also be open and offer various programs for visitors. The tour begins at the historic Poplar Hill Mansion, 117 Elizabeth Street in the Newtown Historic District. Tickets are $15 on tour day or $12 in advance. Proceeds support projects in the Newtown Historic District. Advance tickets can be purchased by mail and picked up at the Poplar Hill Mansion. Mail checks to Newtown Association, P.O. Box 543, Salisbury, MD, 21803. OR you can call 410-749-1776 to arrange for advance purchase at Poplar Hill Mansion.

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12/7 Build a Birdfeeder

at the Ocean Pines Library 10 AM to 12 PM. The event is free for Coast Kids members and costs $5.00 for nonmembers. Reservation is required. For more information and sign-up please go to www.actforbays.org/ coastkids.

12/7 Country Christmas House Tour

Preston, MD. The Community Club of Preston is holding a Country Christmas House Tour featuring five homes in and around Preston, Maryland. Tour hours are 11:00 a.m. until 5:00 p.m. Ticket price is $15.00. Tickets may be purchased in advance by calling 410-310-5454 or 410-673-7193. Tickets may be purchased the day of the tour at Bethesda United Methodist Church, 155 Main Street, Preston. Free refreshments will be available at the church for ticket holders, and local musicians will be performing at the church through out the day. Christmas cookies packaged for gift giving (or just to take home and enjoy later!) will be available for sale as well. For more information see our Facebook page: Country Christmas House Tour.

12/7 “Christmas Festival of Hrmony”

The Ocean Bay Chorus of Sweet Adelines presents our, 7pm at Delmar High School, in Delmar Delaware. Tickets will be $10. Craft and baked good tables will be set up for purchases. Anyone seeking additional information can call: Laura Masucci at 410-749-1194 or Elaine Manger at: 410546-1487.

12/7 Holiday Open House at The Rehoboth Art League

10 AM – 4 PM A day of hospitality with art, art demos, music, refreshments and Santa. Free and open to the public. More info on the web rehobothartleague.org At the Art League – 12 Dodds Lane, Rehoboth Beach, DE

OldePrincess Princess Anne Anne DaysDays Christmas Olde Anne Chris Olde Princess Days Christmas

SaveSave the Date! Date! the Date Save the Saturday Saturday Saturday 2013 7, 20 December December 7,7, 2013 December Drawing Room at Linden Hill Drawing Room Linden Drawing Room at at Linden HillHill

Featuring Tours Tours Featuring Featuring Tours of Decorated Decorated ofofDecorated Historic Homes Historic Homes Homes Historic 2 p.m. to 6 p.m. 2 p.m.to to 66p.m. 2 p.m. p.m. $15 per person $15per per person $15 person 30

Evening Candlelight Dinner Evening Candlelight D Evening Candlelight Dinner At the At the At the Mansion TeackleTeackle Teackle Mansion Mansion Reception 6 p.m. to 7 p.m. Reception p.m. to 7 Reception 6 p.m. to 76p.m. Dinner served at 7 p.m. served at 7served p.m. at 7 p DinnerDinner $30 per person $30 per person $30 per person Limited Seating Limited Seating Seating Tickets must beLimited purchased in TicketsTickets must be purchased must beinpurcha advance. advance. advance. Call 410-651-2238. Call 410-651-2238. Call 410-651-2238 M

ass Christmas

Date! day 12/7 & 8 Christmas in Whitehaven Bazaar 7, 2013 (Sat & Sun)

Sat. 8 a.m. - 3 p.m.; Sun. Noon - 3 p.m. Celebrate the Christmas Season at the annual Bazaar! Handmade wreaths, baked goods, crafts by local artists. Win an original Ted Deacon photograph, a night at the famous Whitehaven among other raffle prizes! One Room Schoolhouse, Whitehaven, MD, 410873-2618

ight Dinner e ansion 12/8 (Sunday) m. to 7Royal p.m.Conservatory Music Program at 7 p.m. The program is scheduled for December 8 at Universityâ&#x20AC;&#x2122;s Fulton Hall, in Room erson Salisbury 112. For more information about the program to register, visit the website at www. eating and musicdevelopmentprogram.org or contact the local representative, Luba Paskova at purchased in lapaskova@salisbury.edu (443-365-0743). Dec 9th Lions Club Annual Christmas ce. Parade, downtown Snow Hill, 7pm (Rain Date: 12-11-2013) 1-2238.

12/11 (Wednesday) Brushes and Bubbly, a fun evening event!

7-9PM; Location: OC Center for the Arts 502 94th St. www.artleagueofoceancity.org Instructor: Kathi Stevens; Description: A fun evening of painting with friends. No experience necessary. All supplies provided; Ages: Adults 21 and over. Bring you own beverage; Cost: $36 for ALOC members and $40 for nonmembers – preregistration required.

12/11 (Wed) Holiday Jubilee at the Wicomico Youth & Civic Center

Enjoy an evening of food, music, dancing, door prizes and even some last minute shopping at this community holiday celebration. The Holiday Jubilee begins at 5:30 p.m. with hors d’oeuvres, dinner will be served at 6:30 p.m. Guests are welcome to bring their own ‘spirits.’ $25 per person

12/11 Read A Movie

Latest twist on the book club idea. Read a short story that provided the basis for a very well-known film, then get together to view the film and compare the two. The Curious Case of Benjamin Button, adapted from the F. Scott Fitzgerald short story. This event takes place at the Rehoboth Beach Public Library 4:00pm. Admission: Free Info contact Rehoboth Beach Film Society at 302-645-9095 x1

12/13 & 14 (Fri & Sat) The 12 “Daze” of Christmas Concert

7:30 pm on 12/13 and 3:00 pm on 12/14 The Salisbury Chamber Singers will present a concert of traditional and sacred Christmas music. A special highlight will be an arrangement of “ O Holy Night” featuring Beth Holder Hallworth as soloist. The concert is conducted by Phyllis Oldham. Wicomico Presbyterian Church, salisburychambersingers@gmail.com 410-726-2041

12/14 Tea with Mrs. Claus

 D E C E M B E R 

Two sittings; 11 am; 12:30 pm. For more information, contact the Crisfield Area Chamber of Commerce 410-968-2500, 800-782-3913 www.crisfieldchamber.com

12/14 2013 Santa Swim

Take a dip in the chilly waters of the Choptank for charity.  Registration is at 9:15 am at the Hyatt Regency Chesapeake Bay. Resort in Cambridge, MD. Participants will turn in money raised, enjoy music and then Santa will lead everyone to the Choptank River. Event Website: www.careandsharefund.org

SUNSET BY THE RIVER BY KIRK MC BRIDE

STUDIO SWEEP SALE

12/14 Workshop with Santa

For more information, contact the Crisfield Area Chamber of Commerce 410-968-2500, 800-7823913 www.crisfieldchamber.com

12/14 Cookies & Cocoa with Santa – Harvest Moon Tavern Green Street, Snow Hill, MD 10am, reservations: 410-632-9890

12/14 Beer & Chili Cook-Off

at The High Spot Gastopub. 1-4PM Have a hot time in downtown Cambridge during this chili cookoff. Look for hot dogs, burgers, chili fries, and more at this annual event.   Event happens 1-4pm on Saturday, December 14, at Cannery Way, the small park next to 432 Race Street in downtown Cambridge, Maryland.  Hosted by the High Spot Gastropub.

FEATURED C O V E R A R T I S T

JULIEÊURIAN HAPPYÊ�HOLIDAYS

I am Julie Urian. About 15 years ago, I drew my first house in pen & ink. It was our house, the first home my husband & I owned. It was a Christmas present for my husband. I wanted to give him something he didn’t have to pay for as I was staying home with our 2 children and he was the only one earning a paycheck. It was a quick sketch, measuring 4”X 6”; and I cut my own matte and tucked it into a simple little recycled frame spruced up with some metallic gold spray paint. He loved it. And it hung in our foyer with a few other treasured pieces. After a few more house drawings given to friends, word started to spread and I was sketching pen & inks for others. They adored the complimentary set of notecards that came with each pen & ink, and some would hoard them – until I was able to convince them that I can really make more cards…all they had to do was ask. This past Christmas, my friend Jenni asked me to draw her childhood home. The year had been particularly hard on her. Her mother’s harsh Alzheimer’s diagnosis meant moving her to a care facility, leaving her father at home, alone. Jenni shared that she was planning on giving the drawing to her father as a Christmas gift. When I finished the drawing, I went to her office and unrolled it on her desk. As she focused on it, she began to tremble. Then through both sad tears and joyous excitement, she said “all the memories are coming back, but it’s all the good memories that are pushing through!” That is exactly why I do what I do. My pen & ink home portraits are drawn by me with archival quality pens and paper. The cost of each rendering is $250. If you would like to have a commission work of our home – or buy a gift certificate to give during this Joyous Season, Julie Urian can be reached at julieurian@comcast.net or by phone: 410-845-9474.

of the Eastern Shore By Local Women, For Local Women “Together, we can do so much.” Helen Keller was an inspiration to countless people. This phrase, attributed to her, represents the spark that ignited a small group of women in 2011, women who knew there were many reasons to come together. On the Lower Eastern Shore, women and girls face a multitude of challenges – domestic violence and abuse, unemployment and underemployment, lack of access to education and healthcare, bullying, inadequate foster care, teen pregnancy and substance abuse. This list is long and seems overwhelming. Further, local programs are struggling to do more with less. They succeed in an increasing complex environment. Funding is vital to ensure that successful programs continue and new initiatives can begin. In 2 short years, more than 150 (mostly) women, through their collective power, pooled their resources and contributed more than $178,000 to create a permanent endowment fund now held at the Community Foundation of the Eastern Shore. From mentoring programs that teach young women basic health, hygiene and social

skills to therapy programs that serve uninsured breast cancer survivors, the Women’s Fund is committed to shining the spotlight on local needs and bringing women together to make a difference – by doing more than we could ever do alone. This is the focus of the Women’s Fund. The concept is simple, but the impact is remarkable. Whatever the motivation, the common thread is a desire to enhance the strength and vibrancy of our community through its women and inspire girls. The Women’s Fund benefits programs in Somerset, Wicomico and Worcester Counties. In just two years, nearly $50,000 has been awarded to organizations including Big Brothers, Big Sisters, Diakonia, MAC, Inc., the Village of Hope and many more deserving programs. Grants are distributed annually and a committee of donors to the Women’s Fund oversees all grantmaking activities and efforts to engage new members. It truly is by women for women. You can be a part of the Women’s Fund. Find out more at www.womensfundeastearnshore.org or on Facebook at The Women’s Fund of the Eastern Shore.

corporation or an LLC named as a defendant in a lawsuit instead of you, personally?

Dear Ann, With house prices so low, my brother and I want to pick up two or three rentals. My brother thinks we need to start a corporation or LLC. What do you think? Sister Dear “Sister," Many people think of buying rental houses as investing in real estate. But you are really going into business. You and your brother will be going into the “landlord-tenant business”. The purpose of rental houses is to rent them, preferably to responsible tenants who will pay their rent on time and maintain the properties. Since you and your brother will be going into business, yes, I think it would be wise to form a corporation or an LLC. There are two important reasons to have a corporation or an LLC hold title to rental real estate instead of you and your brother holding title personally. First, the title owner of a property is legally responsible for that property. If there is a lawsuit filed because someone is injured on the property, or for any other reason involving the property, it is the titled owner that is the correct defendant. Wouldn’t you rather have a

Secondly, how title is held can determine if personal judgments become liens against a property. If you and your brother hold title to the rental property as “tenants in common”, a Maryland Circuit Court judgment against him in the county in which the property is located becomes a lien against his interest in that property. District Court judgments can be “certified up” to Circuit Court. And, once there is a judgment in one county, the same judgment can be entered in other Maryland counties. But, a properly formed corporation or LLC which is kept in good standing is a separate legal entity from the people who formed it. A judgment against your brother, or you, does not attach as a lien against property held by a corporation or LLC owned by your brother and you. Your interests in a corporation or LLC are considered personal property. Totally different law applies. Vesting title to your rental properties in a corporation or an LLC may have other key benefits. If you decide to add an additional investor to your landlord-tenant business, you do not need to go to the expense of adding him as a co-owner on the Deed to each property.

You may issue corporate stock to the new investor, or admit him as a member of the LLC instead. If you decide to sell all of the properties to a single purchaser, you have the choice of simply selling the corporation or LLC. Sometimes this is much easier and more costefficient. Ideally, you should form your corporation or your LLC before you submit a purchase contract for your first property. But many people are reluctant to go to that expense until a desirable property is located, or even under contract.

to maintain the property as legally required and deal with tenant complaints. Most importantly, you will need to collect rents, and, sadly, sometimes handle evictions. For all of this, you might want to consider a professional property manager. Perhaps the REALTOR you are working with to locate rental properties could suggest a competent company. Both you and your brother are showing initiative. And you’ve already asked one very important question. This project could work out well for you.

If you do not have your corporation or LLC in place before you are ready to buy, an offer to purchase can be drafted which provides that the buyer will be a to-be-formed corporation or LLC. If you need to obtain financing for your purchase, though, do not expect any bank to lend to a brand new legal entity. You and your brother will almost certainly be required to co-sign or guarantee any financing involved. Real estate has traditionally been a good investment. And, when markets stabilize, is likely to be so once again. But remember the “landlord-tenant business” part. Both you and your brother will be dealing with tenants. You will need to know how to evaluate and qualify prospective tenants. You will need

Ann Shaw is an attorney practicing in Salisbury. She has more than twenty years’ real estate, business law, and bankruptcy law experience. Each month she will address one submitted question of general interest. Responding to any question in print does not create an attorney-client relationship. Attorney-client privilege does not apply to published questions and answers. All information is general information only and is not meant as specific legal advice. For specific legal advice, always consult your own attorney.

The Holidays are almost here. If you have the financial resources to provide a comfortable life for your family, you have reason to be thankful. And if you can afford to share some of your “bounty” with charitable organizations, you may want to be as generous as possible — because your gifts may allow you to both give and receive. By donating cash or other financial assets, such as stocks, to a qualified charity (either a religious group or a group that has received 501(c)(3) status from the IRS), you help benefit an organization whose work you believe in — and, at the same time, you can receive valuable tax benefits. To illustrate: If you give $100 to a qualified charity, and you’re in the 25% tax bracket, you can deduct $100, with a tax benefit of $25, when you file your 2013 taxes. Therefore, the real “cost” of your donation is just $75 ($100 minus the $25 tax savings). Furthermore, if you donate certain types of non-cash assets, you may be able to receive additional tax benefits. Suppose you give $1,000 worth of stock to a charitable group. If you’re in the 25% bracket, you’ll be able to deduct $250 when you file your taxes. And by donating the stock, you can avoid paying the capital gains taxes that would be due if you had eventually sold the stock yourself. To claim a charitable deduction, you have to be able to itemize deductions on your taxes. Charitable gifting can get more complex if you choose to integrate your charitable giving with your estate plans to help you reduce your taxable estate. The estate tax is consistently debated in Congress, and the exemption level has fluctuated in recent years, so it’s not easy to predict if you could eventually subject your heirs to these taxes. Nonetheless, you can still work with your tax and legal advisors now to take steps to reduce any possible estate tax burden in the years ahead. One such step might involve establishing a charitable remainder trust. Under this arrangement, you’d place some assets, such as appreciated stocks or real estate, in a trust, which could then use these assets to pay you a lifetime income stream. When you establish the trust, you may be able to receive a tax deduction based on the charitable group’s “remainder interest” — the amount the charity is likely to ultimately receive. (This figure is determined by an IRS formula.) Upon your death, the trust would relinquish the remaining assets to the charitable organization you’ve named. Keep in mind, though, that this type of trust can be complex. To establish one, you’ll need to work with your tax and legal advisors.

Of course, you can also choose to provide your loved ones with monetary gifts while you’re still alive. You can give up to $14,000 per year, per individual, to as many people as you choose without incurring the gift tax. For example, if you have three children, you could give them a cumulative $42,000 in a single year — and so could your spouse. The Holidays are a fine time to show your generosity. And, as we’ve seen, being generous can be rewarding — for your recipients and yourself. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Dennis Hopson.

Considering a lump sum

pension buyout? Edward Jones can help. We’ll start by getting to know your goals. Then we’ll help you sort through your current situation and work with you to help determine how a buyout could affect your retirement.

Call or visit our local office today. Dennis W Hopson, CFP®, AAMS® Financial Advisor

www.edwardjones.com

Member SIPC

1411 Wesley Drive Salisbury, MD 21801 410-742-3264 IRT-7405-A

12/14 The Metropolitan Opera Live in HD

12:55 pm. Location: Cape Henlopen High School Theater, 1250 Kings Hwy, Lewes, DE.Admission: Adult $25 Met member $22 Senior (65+) $22 Student (with ID) $15 Child,12 or under) $15 Online reservations are available. Seating is by general admission (no reserved seats). Info contact Rehoboth Beach Film Society at 302-645-9095 x1

12/14 Old-Fashioned Christmas... Shore Style celebration

Experience classic holiday charm on Second Saturday, 5-9pm, Dec. 14, during the. Key blocks will be closed to traffic for the festivities, which include a visit with Santa, holiday music, horse and carriage rides (starting from Simmons Center Market, 600 Race St.), fireside s’mores, and more. Get your holiday shopping done—shops will stay open until 9pm. Galleries will opening new shows and holding free receptions with refreshments and live music, so don’t miss the Holiday Art Stroll. Festivities will be centered on the 400 and 500 blocks of Race Street and the 500 block of Poplar Street. Check www.CambridgeMainStreet.com

12/14 (Saturday) Kinky Boots, a new Broadway hit musical!

“FEEL-GOOD THEATER that’s A CUT ABOVE! An INFECTIOUS show with GREAT HEART. KINKY BOOTS has FLASH and SPARKLE and GREAT DANCING from director-choreographer JERRY MITCHELL...” (from a review in Bloomberg news.) Depart East Coast Garden Center at 6 a.m., Show at 2 p.m. (orchestra seats), Return to ECGC approx. 9 p.m. $229 pp. East Coast Garden Center is located at 30366 Cordrey Road, Millsboro, DE. For information, registration, or reservations, call 302-945-5853 or 302-745-1233.

12/14 Friends of Library Second Saturday Book Sale

9 am- 2 pm: Dorchester County Public Library, 303 Gay St, Cambridge 410-228-7331, www. dorchesterlibrary.org,fcresswell@dorchesterlibrary.org

12/14 &15 (Sat & Sun) “The Gift of the Magi” Performance. Saturday, Dec. 14th at 7p.m. and again on Sunday, Dec. 15th at 5p.m. at the Makemie Memorial Presbyterian Church in Snow Hill, MD. 12/16 (Monday) Holiday Lighting

Contest Judging, Sponsored by the Snow Hill Chamber of Commerce, 5:30pm-9pm.

12/18 (Wesnesday) Suicide Grievers’ Support Group

6:00 p.m. at the Worcester County Health Department. 9730 Healthway Drive, Berlin (adjacent to Atlantic General Hospital) Open to anyone who has lost a friend or loved one to suicide. Free of charge. Quiet listening, caring people, no judgement. For more information, call 410-629-0164 or visit www. choosetolivemaryland.org

Watermen’s Inn 901 W. Main St., Crisfield (410) 968-2119

Open year round Thurs-Sun lunch & dinner

. always worth the trip .

F R E S H G O U R M E T FA R E at our place or yours. catering available

12/19 (Thursday) Alzheimer’s Caregiver’s Support Group

4 p.m.: Chesapeake Woods Center, 525 Glenburn Avenue, Cambridge: Meets the 3rd Thursday of every month. Caregivers of those with Alzheimer’s Disease or other dementia-related disorders are invited to attend. Attendance is free. Call Jessica Dukes with any questions at 410-221-1400, ext. 1217

12/20 (Friday) Community Christmas Luncheon

Sit back, relax and enjoy a hassle-free holiday luncheon for your small business, friends or family. The Christmas Luncheon will feature a lunch buffet, seasonal music and festive ambiance from 11:30 a.m. to 3 p.m. Guests are welcome to bring their own ‘spirits.’ Location: The Wicomico Youth & Civic Center, $18 per person

12/21 (Saturday) Annual Luminaria Night Celebration

Enjoy the quaint community of Vienna with its streets lined by candlelight and homes open for touring. Begins at 5PM. http://www.viennamd.org

w w w. n y p i z z e R i a o f S a l i S b u R y. c o M

We Deliver! 410-543-1911 DePietro’s New York Pizzeria is mere footsteps from Salisbury University! 211 Milford St, Salisbury, MD

ReStauRant HouRS: 11aM -10pM Mon-Sat DeliveRy HouRS: 11aM-2pM & 5pM-10pM

12/21 The Island Coffeehouse

sponsored by the Chincoteague Cultural Alliance, occurs on the third Saturday of each month. Each coffeehouse generally includes an art exhibit, two opening acts, one of which is a spoken word performance of some sort. Chincoteague Senior Center on Church Street. Admission is $5. Doors open at 7:00 and performances start at 7:30. Details: 757-336-0044.

European and Asian Specialists

Charles Ignasias Owner & Master Technician

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Ser vice and Pre-Owned Vehicle Sales

By Jim Laverty LUTCF

I have been getting a lot of phone calls and inquires from my Medicare Supplement clients as of late. The big concern is “what do I have to do” The short answer is “nothing”. The Affordable Care Act aka Obama care is not part of Medicare. No one has to replace what they have, be it a Medicare Supplement also know as a “Medigap Policy” or a Medicare Advantage Plan. Medicare is not part of the Maryland Health Insurance Market Place and will not be. The Maryland Health Exchange does not offer Medicare, Medicare Supplements, Medicare Advantage or Part ”D”. Beware of false hoods and those that would miss lead you or try to sell you a “New Policy” based on Obama care. Unfortunately the industry is seeing such unscrupulous tactics. Keep what you have. If in doubt call you local Agent/broker and review your current plan. True or False? • Medicare is ending. FALSE Medicare is not being replaced by Obamacare. • Medicare recipients will no longer be able to see their current doctors. FALSE the ACA does nothing to change what doctors you may or may not see. • Medicare recipients must buy more health insurance to comply with the ACA. FALSE. Medicare, Medigap, Medicare Advantage all count as “minimum essential coverage, so those with these plans are exempt from buying any other additional insurance. This article is not intended to be a comprehensive study on Medicare, My goal is to answer question that I have been asked. Look for more short articles in the future as questions are sure to arise with the ever changing health care environment. Keep in mind The Prescription Drug Plan (Part D) open enrollment is from October 15th- to December 7th. Jim Laverty is a license insurance agent and adviser with Mullaney Insurance, Cambridge MD . He can reached at 410-228-1050. James W. Laverty, LUTCF Mullaney Insurance Inc. 405 Academy Street Cambridge, MD 21613

410-228-1050 (phone) 410-228-1256 (fax) jlaverty@mullaneyinsurance.com

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DECEMBER 26-29, 2013

12/21 Meet the Authors / Book Signing for “Inside a Bald Eagle’s Nest”

1:00-3:00 PM Meet the Authors, Teena Ruark Gorrow & Craig A. Koppie and Book Signing for “Inside a Bald Eagle’s Nest” Where: News Center, Talbottown Shopping Center, Easton, Maryland 21601 When: Saturday, December 21, 2013, from 1:00-3:00 PM, 410-548-9196

12/26-29 Governor’s Challenge Holiday Basketball Festival

Wicomico Youth & Civic Center in Salisbury, MD. This event is open to the public. Tickets will provide you access to the entire building for the entire day (includes high school games and AAU games). Advanced Tournament Pass, includes admission to all games, every day of the tournament (on-sale after Thanksgiving through the first day of the event) $30 Adults / $15 Youth (11-18) / Under 11 years old free. Advanced tickets can be purchased (after Thanksgiving), Online, In person at the Wicomico Youth & Civic Center Box Office, Monday-Friday 8am-6pm (500 Glen Ave. Salisbury, MD 21804) or By Phone at 410-548-4911 Daily Admission will be sold at the gate: $10 Adults / $5 Youth (11-18) / Under 11 Free

SURROUNDED BY SHARKS?

12/27 (Friday) Movies at Midway

Monthly Screenings.(upstairs screening room). The Sapphires Dec. 27th at 7:00 pm. Admission: $4.00 for Rehoboth Beach Film Society Members and $6.00 for future members. Info contact Rehoboth Beach Film Society at 302645-9095 x1

12/28 (Saturday) Family Waterfowl Hunt

Registration 5 a.m. $60 - Breakfast, Hunt, Lunch, $10 - Lunch ONLY. Tickets: contact: Jock Luthy 410-463-0985, Robin Moore 443-5217869, Church Office 410-228-4640, Immanuel UCC, 5401 White Hall Rd, Cambridge, MD, www.immanuelucc.com 410-228-4640

12/31 (Tuesday) New Year’s Eve Celebration

410-749-5253 Fax: 410-749-6345

Hours: 9-5:30 Mon.-Fri., Sat. 9-1pm Across from the Hospital, on Eastern Shore Dr. & Carroll St. in Salisbury, MD.

Snack Bar Jones Band, sponsored by the Snow Hill Area Chamber of Commerce and the Town of Snow Hill, Old Firehouse, 9pm-1am

S E N I O R C I T I Z E N D I S C O U N T • F R E E D E L I V E RY

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6:30pm till . The Black Diamond Lodge, Fruitland, MD. DJ, Live Entertainment, Fashion Show, Cocktails, Lite Fare and MORE. One lucky guest will win $1000.00 in CASH to be used on any vendor participating in the expo! Doors open at 6:30pm. $8.00 for a single ticket; $14.00 for a couple. www.anightunderthestars.com

1/5/2014 The Delmarva Bridal Showcase

Children’s Theatre

Salisbury University Department of Theatre and Dance 1/3/2014 Bobbi Biron Theatre Program 2nd Annual “A Night Under the Presents Stars” Wedding Expo & Party

none shall pass!

12-4PM . The Wicomico Youth & Civic Center. 500 Glen Avenue, Salisbury, MD. Brides – Free Admission if you register by 12PM on December 24th. $8 advance registration; $10 at the door 888-436-6030. www.delmarvabride.com

1/26/2014 Eastern Shore Bridal Extravaganza

Noon-3PM . River House at Easton Club. 28449 Clubhouse Drive, Easton, MD. http:// bridalextravaganza.org. Tickets $10 in advance, $12 at the door.. Brides-to-be will enjoy a bridal fashion show, along with a complimentary mimosa, before meeting with wedding vendors from across Maryland. The first 100 brides-tobe will receive a deluxe goodie bag! Tickets cost $10 in advance, $12 at the door. For more information call 410-822-4653 or visit online.

The Tales of King Arthur January 18-19, 2014 For more information and to order tickets: www.salisbury.edu/theatreanddance Box Office: 410-543-6228

Self-Publishing Your Own Book Brittney D. Herz

The publishing industry is not what it was twenty, ten, even five years ago. It was an established routine that as a writer you had certain steps in your career. You wrote your masterpiece, you submitted it to agents and publishing agencies, it got accepted, and you became a success. Not so much anymore. Self-publishing is at an all-time high and for good reason. Some blame the economy, others the rise in access to publishing, thanks to the ever expanding World Wide Web. Whatever the reason, there are more options out there for publishing your novel, group of short stories, creative nonfiction or whatever it is that you have written, other than spending countless months waiting to hear back from this agent or that agent. If you have tried submitting but keep getting rejected it may not be because of your work. In fact, there are a smaller number of manuscripts getting published the “traditional” route now.

If you are concerned about the legitimacy of self-publishing agencies, you have a right to be. There are many frauds and scams out there that just take your money and either don’t send you anything or send you a very crude looking book. Do your research! Do not just give your credit card information to any site that offers you the world and millions of copies of your book. Ask around as well. With selfpublishing becoming so popular there are probably people in your own community that have done this that could give you some good advice. There are many different routes a writer can go as far as how to self-publish and with whom. One option is to look locally. Here on the Eastern Shore there are several publishing companies that you could contact about rates and services for publishing your manuscript. Salt Water Media is a newer publishing company located in Berlin. Just remember to ask if you must pay for the books up front or if you get to review your printed manuscript before investing in a large number of copies. Usually in these situations you pay an upfront cost and then set a price for your book so you keep all of the sales. Another option is to go with an online service that will allow you to post your book on Amazon or another retail site and also offer your work as an eBook. Personally, I chose Createspace.com when publishing my first book. They allowed me to

upload my manuscript, choose my cover design, edit my page layouts, and customize everything down to the color of the paper. They also have monthly reports that show me exactly how many books have been sold, what their percentage is and what my percentage is, and yearly totals. This may not be the route for everyone though. If you are not the best with computers you may want to pay for some of their additional services so your book looks professional. You will also have to go through the process of saving and editing your manuscript in order to fit their format. I was able to save money by using one of my own photos as the cover and editing it to fit their criteria. When setting a price remember you are an unknown author (unless previously published then this may not apply to you). However, you do need to make money. Don’t set the price so high that readers will be turned off from investing so much money into a writer they don’t know yet. Don’t set the price so low that you don’t make any kind of profit. If you have gotten rejected from several agents or publishers it may be worth it to hire an editor or proofreader to look over your manuscript before pursuing selfpublishing.

Brittney D. Herz, Salisbury University Alumnae, is the author of Forgotten Stories, available at amazon.com and kindle download.

DELMARVA ANTIQUE TRAIL

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Rehoboth Beach

Seaford

Cambridge

Laurel

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Mardela Springs

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Salisbury

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90 Ocean City

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Heritage Antiques Market 16168 Coastal Hwy, Lewes, DE 302-645-2309

Over 50+ dealers are housed in our 10,000 square foot building. Open Sun-Friday 11AM-5PM; Sat 10AM-5PM

O’Neal’s Antiques Rt 13, Laurel, DE 302-875-3391

With over 5,000 square feet of antiques of exceptional quality, you will find a treasure just waiting to be discovered. Known as “the most interesting place on Delmarva,” you can easily spend the whole day browsing through a variety of items from the past. We specialize in antique, estate and new jewelry. Open Mon-Sat 10AM-5PM, Closed Sunday.

Town Center Antiques 1 N. Main St., Berlin, MD & 11 Pitts St., Berlin, MD 410-629-1895

We have over 100 antique vendors in our 2 locations that encompass an entire square block in downtown historic Berlin. We have it all! Open Mon-Sun 10-5pm. Follow us on facebook. The largest antique train and tin toy shop on Delmarva in the heart of historic downtown Berlin.

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Toy Town Antiques & More 115 N. Main St., Berlin, MD 410-641-9370 Scarborough Fair Country Store Rt. 50 Mardela Springs, MD 410-749-7979

New, Used, Consignment, Vintage, Antiques & unusual finds in our 7,000 square foot showroom! Plus we have painted furniture, gifts, handcrafted furniture & Best Chairs; Open Mon-Sat 9:30-5:30PM, Sun 115PM; Closed on Wed.

Holly Ridge Lamps & Antiques 1406 S. Salisbury Blvd, Unit A Salisbury, MD (Lic#2577) 410-742-4392

The largest selection of lamps, lamp shades and parts on the Eastern Shore! Full service repair on site. Beautiful one of a kind hand crafted furniture and antiques. We also buy and trade gold & silver. Or find us online at www. Hollyridgelamps.com. Call for hours.

Just Junkin’ 8520 Newark Rd, Newark, MD 410-251-2773

We specialize in a lil’ bit of everything including small furniture, Roger Lent Paintings, antiques, depression glass, decoys, fun & collectibles. New items daily. Call for appointment or open by chance.

Antiques by the River 310 N. Washington St. (Rt 12) Snow Hill, MD 21863 410-632-2333

Nestled next to the Pocomoke River in Historic Downtown Snow Hill, come browse our large & wonderful selection of ‘tiques, uniques and for those lovely gardens, visit our Country Flag Shop.Store phone: 410-632-2333 Hours: Open Daily except closed on Mondays. For appointments call: 443-995-1366

Delmarva Coins & Precious Metals PO Box 220, Snow Hill, MD www.delmarvacoins.com 443-880-2564

We are the Eastern Shore’s division of Coins of the Realm, Inc., providing the best services related to coins, stamp and jewelry. We assist clients in building quality collections at reasonable prices. We also offer strategies for liquidating holdings at customers’ request. Call Garrow King for a private appointment or email at delmarvacoins@gmail.com. Lic#ANA LM5910

Just Yesterday 317 High Street, Cambridge, MD (Historical Downtown) 443-225-6963

We are a unique store with many treasures. Specializing in revitalized furniture, home decor, collectibles/antiques, custom signs and shelves & artisan jewelry. We also carry  a large selection of Leaning Tree cards and gifts. Open Daily except Wednesday. Call for hours.

Maggie’s Hatbox 510 Poplar St., Cambridge, MD 410-901-1200

From the whimsical to the collectible! We have antiques, vintage hats, eclectics, pottery and decorative arts. Open Wed-Sun 10AM-4PM and by appointment 443-521-2905

Somerset Choice Antiques & Bookshop 11765 & 11775 Somerset Avenue Princess Anne, MD somersetchoiceantiques.org 410-651-2238

Come and see the shop that has people talking - downtown Princess Anne - quality consignments - new finds every week – antiques, vintage, cottage, shabby chic and manly-man sections - PLUS the only bookshop in Somerset County!

Classic Collections at the Vault 105& 132 Market Street Historic Downtown Pocomoke, Md. 21851 410-957-9919

Located in quaint downtown Historic Pocomoke City, you will find our unique selection of fine antiques, 18th & 19th century European furniture, sculptures, ornate frames, mirrors and more displayed in a 5500 sq ft classically restored bank. Our estate & gold jewelry includes diamonds & gems at affordable prices. Open Wednesday thru Saturday 10AM-6PM.

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CLASSIC COLLECTIONS AT

THE VAULT

in beautiful downtown historic Pocomoke City, MD FOR A TRULY UNIQUE SHOPPING EXPERIENCE Prepare To Be In Awe When You Enter The Doors To

The Vault...

10% off storewide and $25 gift certificate for Classic Collections with $100 purchase Take a trip back in time when furniture & decor was enchanting and made to last for centuries! Gathered from the far reaches of the world, carefully selected and displayed in a classically restored 5500 sq ft bank in historic downtown Pocomoke - your walk through time will feature beautiful estate and gold jewelry, incredible pieces like fine 18th & 19th Century Antiques, inlaid and Pietra Dura tables, Venetian chandeliers, hand carvings, sculptures, clocks, tapestries, ornate frames and mirrors and brilliant cut crystal, blended with semi-precious stone carvings, Franz Porcelain, and art glass from the finest artists in the WORLD! Visit Classic Collections at The Vault -- Wed thru Saturday 10 am - 6 pm 105 & 132 MARKET STREET, POCOMOKE, MD 410-957-9919 or 410-957-4653

WE BUY GOLD AND SILVER 55

West Ocean City Fitness ‘KidFit’ Series: 12/2 - 20 (Mondays & Wednesdays) CardioKidz with Corrine KidFiT Series

4 - 4:30pm ages 5-12 . Interactive activity getting kids on the move while developing healthy, strong and positive fitness routines. At WOC Fitness, West Ocean City Call 410.213.7000 for info.

12/3, 10 & 17 (Tuesdays) JustDance for Kidz with Jen KidFiT Series

4:30-5:15 ages 5-12. Dance for fitness and for fun to age-appropriate music to get and keep kids movin’ and groovin’ after school. At WOC Fitness, West Ocean City, Call 410.213.7000 for info.

12/7 (Saturday) 4th Annual Holly 5K Run/1 Mile Fun Walk - Salisbury Elks Lodge

#817 401 Churchill Avenue, Salisbury , MD 21804, Register by Friday, December 6, 2013 on www.active.com http://www.discoverhci.org

12/7 Reindeer Run- 5K & 1 mile Run.

Starts at Atlantic Hotel, Berlin. 5K Start is 9am, 1 mile start is 10am. Register online at www. active.com. Email: livelongfitness@live.com

12/5, 12 & 19 (Thursdays) Mommy-n-Me with Debbie KidFiT Series

11:30-12 ages 18mo - 4. Relax, stretch and bond with your preschooler while teaching them the fun and enjoyment of Yoga and interacting with other parents, creating friendships and community while taking some time to be healthy. At WOC Fitness, Call 410.213.7000 for info.

12/6-27 (Fridays) KidzActivity with Tiff KidFiT Series

11:00-12:00 ages 3mo-12 yrs. KidzCare room children ‘Step’ out for an informal exercise activity in the group room. ‘Balloon Vollyball’, ‘Kidz-n-Motion’, ‘TumbleTime’, ‘Music & Movement’ and more. At WOC Fitness, Call 410.213.7000 for info.

THE NORTH FACE ®

12/7 (Saturday) Reindeer Run- 5K & 1 mile Run..

Starts at Atlantic Hotel, Berlin. 5K Start is 9am, 1 mile start is 10am. Register online at www. active.com. Email: livelongfitness@live.com

12/8 (Sunday) Winterfest of Lights Jingle Bell 5K Run

Run thru Ocean City, MD Winterfest of Lights! 5K race starts at 5:00pm on December 8th at the Northside Park on 125th Street in Ocean City, MD. Online Registration closes on December 3, 2013 at 11:59pm. $23.00 for ages 12 and under, $28.00 for 13 and up. Race fees will increase to $30.00 for kids 12 and under, $35.00 13 and up on race day. One free ride for all registered runners thru the Winterfest of Lights after the race. Post Race activities and awards ceremony will be at The Abbey Burger Bistro located at 12601 Coastal Hwy, Ocean City. Hot Chocolate and Cookies for everyone.

2401 E. Naylor Mill Rd. (behind Mall) Salisbury, MD 410-749-4561 18798 Coastal Hwy. (Rt. 1) Rehoboth Beach, DE 302-644-7463

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12/13 (Friday) ‘Date Night’ -Parent’s Night Out “Exercise Your Relationship”

Limited spaces available......enjoy dinner or a movie while your children enjoy a Kidz Fitness activity, a Crazy Craft, Storytime and are entertained by a movie and “Build-A-Snack” in a safe limited-access environment. At WOC Fitness, West Ocean City, Call 410.213.7000 for info.

12/14 (Saturday) Reindeer Run 5K/10K Richard Henson

Salisbury YMCA, Come out and run with us in the 2013 Reindeer Run, 5k Walk/Run or 10k Run. Race begins a 9am. All proceeds go toward our Strong Kids Campaign. Race day registration and t-shirts are available! The whole community is invited! Questions regarding the race should be directed to Amy Sorg, 410-749-0101 ext. 23 or asorg@ymcachesapeake.org.

4/26 Marathon/5K Anniversary Event 2014

Starts at 7:00AM Ocean City, MD inlet parking lot, S. 2nd St., Ocean City, MD. Info at www. octrirunning.com., 2014 Ocean City, MD Half

5/3 Man Meets Mud

Lower Shore Family YMCA 1900 Worcester Highway, Pocomoke City , MD 21851 Register by Friday, May 2, 2014 info at www. manmeetsmud.com

5/3 Six Pillars Century 2014 Blackwater Tour

Great Marsh Park Somerset Avenue, Cambridge , MD 21613, Register by Thursday, May 1, 2014 info: http://6pillarscentury.org

5/10 Iron Furnace 50K/50Mile/100K Bike Ride

– Starts & ends at Furnace Town, Snow Hill, MD Enjoy a fast & flat ride with 50K, 50 mile and 100K route options. Picnic & Fat Tire beer at the end of the ride. 2-3 rest stops. The first 150 riders are guaranteed T-shirts. Register online at http://www.ironfurnacefifty.org/

Pri on Pri

Stop in for a test drive and experience why “We Make the Difference” at Midway Toyota Stop in to Register to Win an IPAD! Winner announced 12.23.13

1337 Ocean Hwy, Pocomoke City, MD 410-957-2222 www.midwaytoyota.com www.facebook.com/midwaytoyota

Prius offers an EPA-estimated 51 mpg city/48 mpg highway/50 mpg combined. 2 That’s not only a big relief on your pocketbook, but the environment as well. Compared to the average car, 59 Prius could have saved an estimated 1,445,971,501.65 gallons of gas in the U.S. since 2000.

952 South Salisbury Blvd., Salisbury  also in Dover & Newark, Delaware. 60

D E C  E M-F M B E. SatR8am -23pm 0 410-742-2171 8am - 5:30pm

Rozelle Purnell Handy

Female Freedom Fighter for Worcester County

If my father hadn’t read to me at night, sleep would not have come as easily. If not for the feel of a favorite book and the pictures of star-bellied Sneetches, my dreams may have been different. They were truly peaceful and beautiful. That is the effect a book had on a child’s life. So, how do books and literature touch lives? Are we losing an important part of history because we are inundated with mass media? Can something as simple as a book not only comfort a child’s mind, but also contribute to ensuring freedom? When we think of freedom fighters, a picture comes to mind of those men who fought wars with guns; and some of them were. Then again, what about the peaceful people who affected this great nation’s freedom from their own homes? Rozelle Purnell Handy lived and worked in Worcester County in 1900. In fact, her contributions toward improving literacy in her part of the world rival the efforts of any great American freedom fighter.

A woman of ailing health, Ms. Handy relocated to Worcester County to recover and discovered a county floundering for education. School enrollment hovered at around fifty-one percent based on an agricultural economy where many children had to work their family farms and spend much of the winter fishing. In addition, they lacked available literature. Rozelle identified a problem and sought to solve it. With concentrated effort, she established an organization in the Berlin area called the Friendly Library. Though little is known about Rozelle’s formal education, during her lifetime, three branches of her family bequeathed Ms. Handy their libraries, perhaps contributing to her immense obligation and interest literacy. Her family lineage, including her parents Moses and Sarah Matthews Handy, boasts a litany of writers. Rozelle, also a writer, created fiction for the Chicago Inter-Ocean. Using her vast resources, Rozelle emerged in the community providing educational opportunities to young people and forming the Friendly Library. It began in her house where, including her own collection, a variety of books arrived from sources such as other generous citizens. The library expanded into the largest collection in the county. Books surrounded Rozelle’s porch, dining room and two walls stacked floor to ceiling. A lending system soon began,

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making it closer to the entity we have today: the public library. The Friendly Library contained over 5000 magazines, books and periodicals and 8000 pieces of literature were borrowed per year. Rozelle also took her library on the road. Using a horse and buggy that became familiar to the locals, she formed a “book mobile” that lent literature to those that did not, or perhaps could not, come to her. Soon, an age of enlightenment began in a stunted community. In 1910, The Berlin Library Association, formed by a group of concerned local women, immerged with eight dollars in their fund. However, the need for a formal library, in an actual building, still remained. The women were able to procure a building and funding through memberships that provided an electrified location for a library. The association solicited donations for books. Thanks to Rozelle Handy’s Friendly Library, thousands of pieces of literature became available. The Berlin Library Association’s established library went through two wars and an influenza epidemic during WWI that forced its closure on at least one occasion. They reopened during practical times and kept their system of volunteerism and free lending. WWII saw the last closure until 1951 when the State Library Extension Service, with local government support, reestablished the library in Berlin. In 1960, The Worcester County

Library System made it the Berlin Branch and a building appropriate for the community’s needs was built in 1970. Book lending increased by three-hundred percent. In a letter recorded in the Americanization Bill of 1919, James Handy touts his sister’s benevolence and concern for her community. According to her brother, Rozelle Purnell Handy’s contributions to her area were paramount. Through her book-lending efforts he claimed that the neighborhood had magically changed in terms of literacy rates. During WWI, and its call for volunteers, various government entities boasted about the citizens of the area. It was said that they were civically enlightened and could read necessary documents, thus making them good recruits. Additionally, Rozelle also practiced the duties of a civic-minded citizen. In 1919, The Women’s Club of Worcester County established itself and she became their first president; Ms. Handy was also a staunch supporter of the women’s suffrage movement. She died in 1920. Rozelle Purnell Handy lived only 49 years; but in those years she was extremely prolific in her achievements. A teacher, writer and book lover, her influence impacted the community by providing a knowledge-starved area with increased literacy. As a result, she freed her part of the world from a possible life of ignorance, making her a true freedom fighter for her area.

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