CHESAPEAKE BAY MARYLAND | VOL. 4
INSIDE THIS ISSUE:
RECOMMENDED SERVICE DIRECTORY FEATURED ARTICLES
RETIREMENT • INVESTING • VACATION
TRAVEL • LIVING • HEALTH • DINING
RECOMMENDED SERVICE DIRECTORY FEATURED ARTICLES
RETIREMENT • INVESTING • VACATION
TRAVEL • LIVING • HEALTH • DINING
An annuity is an investment vehicle that can provide a guaranteed income for an individual or their spouse. It is a contract with an insurance company or financial institution where you contribute money upfront and at a specific time receive payments back over the course of your lifetime. There are several advantages to investing in an annuity. First, it is tax deferred which means no taxes until you begin taking the income. Second, you can choose a fixed rate annuity where you will always receive the
same amount regardless of market conditions. Third, you will receive payment even if you receive more than your original investment. Fourth, there are annuities with death benefits for heirs.
There are many different types of annuities, all of which have different features, benefits and costs but they fall into three main categories: fixed, fixed index and variable. There are two types of payout options- deferred and immediate.
A fixed annuity is based on a set interest rate and can increase in value over time. It guarantees income payments over your lifetime with the possibility of death benefits for heirs. There are two ways to purchase - either through a lump sum payment or a series of payments that increase the value of your annuity and therefore the total payout.
A variable annuity’s value will depend on market conditions and will rise and fall with the stock market. This means the possibility of a higher interest rate when the market is strong but in a weak market, the annuity could even lose value.
An indexed annuity is based on the performance of a particular market index and the value of the annuity will be based on that particular index. Interest will be based on the index’s interest rate.
It is a good opportunity to be sure you have the resources to cover your essential monthly expenses such as mortgage or rent, insurance, utilities , travel, etc. The best thing about an annuity is that it does not run out no matter your age or the value of the investment. Start by analyzing your monthly expenses to figure out how much
income you need to cover basic bills. Don’t forget to consider and plan for inflation. When considering an annuity, the most important thing is to be sure to understand what you are investing in. They are complicated investments. Work with a trusted financial adviser to ensure your understanding of the risks and potential returns.
Feng Shui, which literally means wind and water, is an ancient Chinese practice rooted in the theory of Yin and Yang. It is the ancient Chinese practice of using energy forces to harmonize individuals with their surrounding environment by organizing furniture, art, plants, and other objects within any given space or room to create peace and harmony.
It has been used for centuries to determine building sites such as the Forbidden City in Beijing, which is built on a north-south axis with the main entrance facing south. It was believed to be the most propitious direction according to the feng shui masters. Additionally, the pyramid addition to the Louvre in Paris, Trump Tower in Manhattan, and the Sydney Opera House in Sydney have all been influenced by feng shui principles.
In interior design, feng shui is a tool to help design a room that makes you feel good and enhances health, prosperity, harmony and balance for a joyful life.
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Chinese philosophy is all about opposites - masculine and feminine, dark and light, warm and cold. Additionally, there is a focus on the 5 elements which are wood, fire, earth, metal and water. These symbolize qualities such as stability, wisdom, growth and creativity. Decorating with the five elements is meant to bring joy and balance to your life.
According to Better Homes and Gardens, you can feng shui your home with a few simple tips:
Clear your home of clutter and open up the flow of traffic. This will create an atmosphere of calm by creating a welcoming entryway. Adding feng shui plants and positioning furniture in relation to the door will give a feeling of
control and empowerment, creating balance. And don’t forget to use feng shui with your color selections.
The bedroom is the most important room for applying the principles of feng shui since we all spend so much time there. It is important to have the bed face the door but not straight-on. It is preferable to have a wall behind the bed so that you are aware if anyone is entering your space. This is referred to as command position. Use soft and muted pastel colors or earthen tones that you’d find in nature. Plants are not recommended for the bedroom as they are active and produce energy which is not conducive to the calm environment required in the bedroom. However, they are desirable throughout the rest of the home. Some of the best plants include lucky bamboo, orchids, jade, snake or rubber plants.
Although there is no scientific basis for the use of feng shui in design, it is about making your environment a healthy and happy one for your family, so why not give it a try.
APRIL 29 - MAY 5
MAY 6 - 12
MAY 6 - 12
MAY 13 - 19
MAY 20 - 26
MAY 27 - JUNE 2
JUNE 3 - 9
JUNE 10 - 16
JUNE 17 - 23
JUNE 24 - 30
JULY 1 - 7
JULY 8 - 14
JULY 8 - 14
JULY 15 - 21
AT&T Byron Nelsons TPC Craig Ranch, McKinney, Texas
Wells Fargo Championship + Quail Hollow Club, Charlotte, North Carolina
Myrtle Beach Classic
+ Signature Event
* Schedule subject to change
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
Dunes Golf & Beach Club, Myrtle Beach, South Carolina GOLF
PGA Championship #
Valhalla Golf Club, Louisville, Kentucky
Charles Schwab Challenge
Colonial Country Club, Fort Worth, Texas
RBC Canadian Open
Hamilton Golf & Country Club, Hamilton, Ontario, Canada
The Memorial Tournament presented by Workday + Muirfield Village Golf Club, Dublin, Ohio
U.S. Open #
Pinehurst Resort & Country Club (Course No. 2), Village of Pinehurst, North Carolina
Travelers Championship + Highlands, Cromwell, Connecticut
Rocket Mortgage Classic Detroit Golf Club, Detroit, Michigan
John Deere Classic TPC Deere Run, Silvis, Illinois
Genesis Scottish Open ^ The Renaissance Club, North Berwick, Scotland
CBS, ESPN+
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
NBC, USA NETWORK, PEACOCK
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
CBS, GOLF, ESPN+, SXM
TBA Event TBA, TBA GOLF
Barracuda Championship
Tahoe Mountain Club (Old Greenwood), Truckee, California GOLF
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
DATES TOURNAMENT
JULY 22 - 28
JUNE 29 - AUG 4
AUG 5 - 11
3M Open TPC Twin Cities, Blaine, Minnesota
* Schedule subject to change
CBS, GOLF, ESPN+, SXM
Olympic Men’s Golf Competition # Le Golf National, Paris, France GOLF
Wyndham Championship Sedgefield Country Club, Greensboro, North Carolina
DATES TOURNAMENT
EDEX CUP PLAYOFFS
AUG 12 - 18 FedEx St. Jude Championship TPC Southwind, Memphis, Tennessee
AUG 19 - 25
AUG 26 - SEP 1
BMW Championship Castle Pines Golf Club, Castle Rock, Colorado
TOUR Championship East Lake Golf Club, Atlanta, Georgia
CBS, GOLF, ESPN+, SXM
NBC, GOLF, ESPN+, SXM
NBC, GOLF, ESPN+, SXM
NBC, GOLF, ESPN+, SXM
+ Signature Event
# Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU. (. . .continued on page
MAY 11 | BBQ & BREW FEST
A day filled with great food, beer, and fun! What more could you ask for? Come join us and enjoy all this delicious mouth watering BBQ. For more info visit: https://tinyurl.com/38vxhymh
MAY 19 | ARTS FESTIVAL
There’s something for everyone at the Arbutus Arts Festival. Whether you’re in the mood to browse handmade arts & crafts, savor delicious food and drink, listen to great local music, or just relax in the beer garden, you can do it all at the Baltimore area’s premier one-day arts & crafts show. For more info visit: arbutusartsfestival.com
JUNE 8 | FOOD & WINE FESTIVAL
Experience The Revolution. Don’t Let Wine Drinking Be Intimidating, let us introduce you to new drinks and cocktails that are soon to become your favorites. The
Annual Baltimore Wine & Food Festival offers fun, food & spirits in a day-drinking party that will have you bubbling as much as the champagne. For more info visit: https://bit.ly/3vWEv7p
Maryland Fleet Week & Flyover
Baltimore is a free biennial event that takes place in Baltimore in fall. A week-long celebration is all about the Fs—“Fleet, Flights, and Festivals”. It features public tours of over 10 U.S., Canadian and British vessels in the Inner Harbor, Fells Point and Locust Point. Lots of entertainment and festivities! For more info visit: https://tinyurl.com/4e9xjzj4
JULY 4 | INDEPENDENCE DAY
Maryland starts celebrating America’s Independence already in the last days of June. Lots of patriotic events take place in Baltimore and Annapolis, while the Chesapeake Bay and Ocean City offer perfect
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU. (. . .continued from 18)
beach weather and stunning fireworks over the waterfront. As events are scattered throughout the Fourth of July Weekend, please check the official website for more detailed information on date, time, and location. For more info visit: https://tinyurl.com/y5t48ept
Presented by Downtown Partnership of Baltimore and Visit Baltimore, Baltimore Restaurant Week provides an affordable and exclusive taste of the city’s vibrant culinary scene. Restaurants participating throughout Baltimore’s neighborhoods will offer ten days of special prix-fixe menus for brunch, lunch and dinner. For more info visit: baltimorerestaurantweek.com
Spanning over 3 days, this Baltimore festival attracts more than
400,000 attendees each year. Featuring over 150 artists. Artscape Festival has something for everyone, whether it is visual art exhibits, outdoor sculptures, craftspeople making wares of all types, or even art cars!
For more info visit: artscape.org
The annual Baltimore Improv Festival is one of the largest improv festivals on the East Coast and brings hundreds of performers, top-tier instructors, and a variety of local, regional, and nationally-known improv comedy teams to Baltimore City for workshops and shows! For more info visit: bigimprov.org
Baltimore loves their seafood, that’s for sure! Baltimore also loves all the wonderful local restaurants that truly make this city one of the best places for foodies to live or visit. Why the Baltimore
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
Seafood Festival? Baltimoreans are so proud of their crab cakes, crab soup, shrimp salad, local oysters, and of course, Maryland blue crabs. It seems fitting to host a waterfront festival showcasing some of Baltimore’s favorite restaurants serving their signature seafood dishes! For more info visit: baltimoreseafoodfest.com
Come see what the other communities are squealing about. Named for the hogs that were once herded through the streets of the neighborhood, Pigtown is one of the most cultural and economically diverse neighborhoods in the city. Go hog wild and see the pigs hoof it at the Pigtown Festival, Baltimore’s only community festival wild enough to bring you the “Squeakness” running of the pigs! For more info visit: pigtownmainstreet.org
This free, two-day outdoor event celebrates the famous Baltimorean scribe, with Poe-themed performances, art, vendors, and food. Highlights of the International Edgar Allan Poe Festival & Awards include the Black Cat Ball, a cognac and roses graveside masquerade, appearances by world class Poe impersonator Tim Beasley and a tour of Poe’s Baltimore. For more info visit: poefestinternational.com
Sweaty Eyeballs Animation Festival is a juried international festival of the world’s most boundary-pushing, mind-blowing animation. We support independent and emerging animators with dynamic programming & networking and seek to ignite a hub for professional animation opportunities in the Mid-Atlantic region, and Baltimore City. For more info visit: sweatyeyeballs.com
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
Join us at the event that many are calling one of the best races on the East Coast. With five distances to choose from, and all runners snagging a great Under Armour shirt for participating, this event is for you! You won’t want to miss the Baltimore Running Festival!For more info visit: thebaltimoremarathon.com
Christmas Village in Baltimore is a combination of an outdoor and indoor holiday festival at West Shore Park at the Inner Harbor. The event is modeled after the traditional Christmas Markets in Germany, like the famous Christkindl Market in Nuremberg. From November 23th through Christmas Eve 2024, vendors in wooden booths will offer traditional European food, sweets and drinks. For more info visit: baltimore-christmas.com
The Inner West Street Association brings you the popular Annapolis Chocolate Binge Festival to downtown Annapolis for the holidays. The Annapolis Chocolate Binge Festival, featuring family-friendly entertainment, chocolate, holiday shopping, and the festive West Street Holiday Light Canopy. Start off the December holiday season with some fun and indulge your sweet tooth! For more info visit: annapolischocolatebingefestival.com
We’re Maryland’s largest farmers’ market - a gathering place where Baltimoreans can connect, shop for fresh produce, and support local businesses, organizations, and performers. For more info visit: farmersmarketbaltimore.org
Head out to the Harbor Point Ice Festival and show your love for
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
all things Maryland! Here’s your chance to snap a photo with a giant Ravens-themed ice display, take a ride down a Mr. Trash Wheel ice slide, grab a seat on the frozen version of the legendary “The Greatest City in America” bench, and explore other creations that symbolize the heart of Maryland. For more info visit: https://tinyurl.com/5n6ek5d6
FEB 22 | MARDI GRAS
We’re turning Baltimore into Bourbon Street for the biggest Mardi Gras celebration and party. It’s an incredible day of green, purple, and gold New Orleans style fun! For more info visit: mardibarcrawl.com
1 - 9 | HOME & GARDEN
Leave the cold winds of winter behind! Tour landscapers’ beautiful indoor gardens bursting with cheerful blooms and demonstrating new trends. Get tips and check out products from more than 400 home improvement exhibitors. Take home artwork and unique creations from juried artists and crafters. For more info visit: mdhomeandgarden.com
* Schedule subject to change
MAY 26 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 28 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 29 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 30 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 30 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 31 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 02 - SUN 12:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - MON 12:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 04 - TUE 12:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - WED 12:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 06 - THU 12:00 PM 1/2 Finals Singles Ladies’
JUN 07 - FRI 12:00 PM 1/2 Final Gentlemen’s Single
JUN 07 - FRI 3:30 PM 1/2 Final Gentlemen’s Single
JUN 08 - SAT 3:00 PM Final Women’s Single
JUN 09 - SUN 3:00 PM Final Gentlemen’s Single
* Schedule subject to change
DATE PLAY START SESSION
JULY 1 - MON 11:00 AM Men's & Ladies' 1nd Round
JULY 2 - TUE 11:00 AM Men's & Ladies' 1nd Round
JULY 3 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 4 - THUR 11:00 AM Men's & Ladies' 2nd Round
JULY 5 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 6 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 7 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 8 - MON 11:00 AM Men's & Ladies' 4th Round
JULY 9 - TUE 11:00 AM
JULY 1- WED 11:00 AM
JULY 11 - THU 1:00 PM
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals & Mixed Doubles Final
JULY 12 - FRI 1:00 PM Men's Singles Semifinals
JULY 13 - SAT 2:00 PM
JULY 14 - SUN 2:00 PM
Ladies' Singles Final & Men's Doubles Final
Men's Singles Final & Ladies’ Doubles Final
• 3 ripe bananas mashed
• 2 eggs
• 1 stick butter
• 1 cup unbleached flour
• 1 cup whole wheat flour
• 1/2 cup shelled walnuts chopped
• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)
• 1 tsp baking soda
• 1/2 tsp salt
• 1 tsp vanilla extract
• Preheat the oven to 350 degrees
• Grease a 9x5x3 bread pan
• Cream butter and date mixture
• Add eggs one at a time, beating well
• Sift flour, baking soda, and salt and add to creamed mixture
• Fold in mashed bananas, vanilla and walnuts
• Pour mixture into the bread pan
• Bake for 50-60 minutes or until the toothpick comes out clean
• Cool for 10 minutes and then put on a rack
If you haven’t traveled by train, you might like to try it. There are so many fantastic train trips available across the world. They offer opportunities not available any other way. There’s never the hassle of driving and missing the beautiful and scenic countryside. They are eco-friendly,
comfortable, relaxing and also offer refreshments. Trains start and end their journeys in cities and will transport you through diverse and incredible landscapes.
Here are a few amazing train trip options:
If you are traveling in Scotland, be sure to check out the Jacobite. This journey is often described as the greatest rail journey in the world. It takes you 84 miles in total from Fort Williams in the highlands of Scotland to the most westerly stop in Arisaig. It passes by lakes and rivers including Lake Nevis, the deepest in Europe and through charming villages. There is a stop in Glenfinnan which was made famous as the site of the Harry Potter films. Then it is on to Mallaig which was founded in 1840 and is now a busy fishing port. It is a great spot for a walk or some shopping and dining. Try the fish and chips! Then take the return trip or consider taking the ferry to Skye and the Small Isles.
In Switzerland, be sure to check out the Bernina Express which is a 90 mile journey from Tirano in northern Italy to Chur in southeastern Switzerland. Highlights include unparalleled panoramic views of the steep peaks of the Swiss Alps, charming villages and shimmering lakes. With 55 tunnels through the mountains and numerous bridges and viaducts, the vistas are stunning. Chur is the oldest city in Switzerland and the old town is actually car-free. The train has earned UNESCO World Heritage Designation due to its architectural features and long history.
In Alaska, don’t miss the Bennett Lake Scenic Journey. A trip through history that began with the gold rush of 1898 when men sought routes to the Klondike and the White Pass. It began in Skagway and continued to British Columbia and the Yukon Territory. The train climbs from sea level to 3,00ft - a true marvel of engineering. Travel in a vintage train from Skagway to Carcass in the Yukon Territory. See snow capped peaks, forests, sparkling lakes, and amazing waterfalls. Visit Bennett Station and the White Pass Museum. You can do a walk through an old gold rush town. Then ride through remote sections of the lake that are otherwise only available by hiking the Chilkoot Trail.
In Parrish, Florida, visit the Museum and see the historic trains of the old South. Or take the 6-mile ride on an early 1900s train from Parrish to Willow to see a rail collection and exhibition. Also they host special train events including a train robbery experience.
AMATEUR PHOTOGRAPHER
INSTRUCTION
Washington Photo Safari Back Inside Cover
ARCADE GAME SALES
Arcade Game Sales of Maryland ..........................................Front Cover, 19
AWNINGS
Carroll Architectural Shade....................................5
IN HOME PRIMARY CARE
OnSite Medical House Calls 16-17
INTERIOR DECORATING
Ellyn B. Designs ............................Front Inside Cover
LAWN CARE REC Lawns .................................................................. 13
LAWN SUPPLIES
The Mill of Bel Air ........................................................1
MEDIATION
RFK Law LLC Back Cover
CULTURAL ATTRACTION
National Capital Radio & Television Museum.................................................. 23
FINANCIAL ADVISOR
Albert Pritchett - Merill Lynch .............................. 11 Liz Verhelle - Edward Jones ..................................3
MUSEUM
National Capital Radio & Television Museum.................................................. 23
PERSONAL INJURY
RFK Law LLC ...........................................Back Cover
PHOTOGRAPHY TRIPS
Washington Photo Safari Back Inside Cover
SHADES
Arcade Game Sales of Maryland ..........................................Front Cover, 19
GARDEN SUPPLIES
The Mill of Bel Air ........................................................1
HEALTH CARE
OnSite Medical House Calls 16-17
HISTORICAL ATTRACTION
National Capital Radio & Television Museum.................................................. 23
Carroll Architectural Shade....................................5
UROLOGY Anne Arundel Urology ............................................ 9
WEALTH MANAGEMENT Albert Pritchett - Merill Lynch 11
WILLS
RFK Law LLC ..............................................Back Cover