September 2022 | Howard County Beacon

See SUCCESS IN STYLE, 28

INSIDE… More than 30,000 readers throughout Howard CountyVOL.12, NO.9 IN FOCUS FOR PEOPLE OVER 50 The Howard County FREE SEPTEMBER 2022

LEISURE & TRAVEL Yoga with goats? That, plus hiking, biking and dining in northern Colorado; plus, visiting country inns in Vermont, and fun factory tours

By Catherine Brown

While working as a fashion consultant two decades ago, Howard County resident Jeannette Kendall had a realization that transformed her life. Her clients had clothing they no longer wanted. At the same time, people in crisis were struggling because they lacked professional clothing and the skills needed to get a Withjob.that a-ha moment in 2001, Kendall launched the nonprofit Success In Style from the basement of her home in Ellicott City with then business partner Patti Francomarco.Morethan 20 years later, helping people turn their lives around has become Kendall’s career.

STYLEINSUCCESSOFCOURTESYPHOTO

ARTS & STYLE Columbia’s Candlelight Concert Society celebrates 50 years of top-notch performers with a special season 27

Nonprofit helps clients succeed

“You have to have self-confidence in your pocket, and you have to start somewhere,” said Kendall, now 63. Giving free clothing to people in need is “one small piece of how we can help them a little bit,” she“Itsaid.might be the seed that grows and could be the beginning of a new life.” Helping to overcome hardship At the core of the Success In Style mission is the belief that people who have experienced hardships could benefit from both professional clothing and career consultations.LedbyKendall, the organization is run by Julie Neidorf, director of client services; several part-time employees, including two of Kendall’s daughters; and volunteers, who make up about 90% of their workforce.Francomarco, who passed away recently, served as its board chair for as long as she was able. “She was amazing,” Kendall said. “She just loved working with people, and everybody loved her.” Kendall has nurtured the growth of Success In Style alongside her own family. She had seven children when she started the organization and has since had two more. After giving birth to her eighth child, she answered calls and scheduled appointments from her hospital room. “I didn’t tell [clients] where I was when they called,” she said, laughing. Since its inception, Success In Style has remained true to its initial mission: to provide high-quality professional clothing and fashion consultation while preparing clients for job interviews. The clients the organization serves cope with a range of challenges, including recovery, homelessness, poverty and abuse.

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FITNESS & HEALTH 4 k Should you still take aspirin? k Foods to fight allergies MONEY k Mimic index funds to save tax k Spend less on

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Ellicott City resident Jeannette Kendall launched Success in Style more than two decades ago to provide career counseling and appropriate clothing to women and men needing help getting a job. The nonprofit relies on donated clothing, but it also raises funds by selling leftover donated clothing inexpensively through several stores, including Charity’s Closet at Savage Mill Mall.

subscriptions AD VERTISER DIRECTORY 31 PLUS CROSSWORD, BEACON BITS, CLASSIFIEDS & MORECall today to learn more! 410-992-1241 Vibrant retirement living in downtown Columbia, MDvantagepointresidences.org Managed by Life Care Services®

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2 Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON Beacon The IN FOCUS FOR PEOPLE OVER 50 The Beacon, P.O. Box 2227, Silver Spring, MD 20915 (410) 248-9101 • Email: info@thebeaconnewspapers.com Submissions: The Beacon welcomes reader contributions. Deadline for editorial is the 1st of the month preceding the month of publication. Deadline for ads is the 1st of the month preceding the month of publication. See page 31 for classified advertising details. Please mail or email all submissions. © Copyright 2022 The Beacon Newspapers, Inc. The Beacon is a monthly newspaper dedicated to inform, serve, and entertain the citizens of the Greater Baltimore area, and is privately owned. Other editions serve Howard County, Md and Greater Washington, DC. Subscriptions are available via third-class mail ($12), prepaid with order. Maryland residents add 6 percent for sales tax. Send subscription order to the office listed below. Publication of advertising contained herein does not necessarily constitute endorsement. Signed col umns represent the opinions of the writers, and not necessarily the opinion of the publisher. Publisher/Editor – Stuart P. Rosenthal President/Associate Publisher – Judith K. Rosenthal Executive Vice President – Gordon Hasenei Managing Editor – Margaret Foster Art Director – Kyle Gregory Director of Operations – Roger King Advertising Representatives –Steve Levin, M.K. Phillips Content Manager – Ashley Griffin Editorial Assistant – Tori Cleveland Readers are encouraged to share their opinion on any matter addressed in the Beacon as well as on political and social issues of the day. Mail your Letter to the Editor

Students at cooking schools start out learning to follow recipes closely, develop their sense of taste and learn the technical elements of cooking and baking before they can ultimately create a menu full of delicious concoctions.

Dear Editor: Thanks so much for your (August) cover story about Al Biegel and his exhibit at Slayton House. We had his gallery talk this morning and most of the guests had heard about it from your article. We’re so pleased to have reached the community, and the talk went extremely well. There was some interesting conversation and everyone left feeling inspired. We appreciate your support and look forward to continued work with you to enrich the lives of our neighbors aged over 55.

Ongoing

Join members of the Howard Astronomical League for a free Public Star Party at its observatory. Guests can ask questions while observing through members’ scopes. The viewing takes place Sat., Sept. 3 from 8 to 11 p.m. at Alpha Ridge Park, 11685 Old Frederick Rd., in Marriottsville. No registration required. No pets. For more info, visit bit.ly/stargazingparty or call (410) 313-4634.

Thinking back on the experience, I see clearly now that there are important life lessons embedded in learning and playing jazz.To get to the point where you can comfortably riff on any melody, you need a firm foundation in the basics. And the more adept you become at mastering the requisite skills, the better you get at cutting loose and being creative.

Music lessons

FROM PUBLISHERTHE

editor

The weekly Maplelawn Farmers Market is open to all, offering fresh fruits and vegetables, baked goods, coffee, spirits, flowers, handmade jewelry and more. Live music, too. The farmers market is located at 7405 Maple Lawn Blvd., in Fulton, and is open every Saturday from 9 a.m. to 1 p.m. Contactless delivery is also available. For more info, visit visithowardcounty.com or call (202) 798-0436.

So imagine my surprise when our daily lessons ended up being about scales, chords, inversions, transposing and more. In fact, it quickly became clear that the basics of jazz involve not only knowing and memorizing all those things, but internalizing them to the extent you don’t even have to think about how to play a D minor seventh half-diminished chord in the second inversion. Sheesh! In addition, it turns out that jazz musicians have to be counting all the time. Have you ever wondered how it is that the different players in a jazz trio or quartet know when to start and stop their turns at improv? I always thought there was some secret signal between the players, but no. There’s a strict method to their apparent madness. For example, in the “blues” style, songs are traditionally made up of 12-measure choruses. After playing it all through once, the improv starts, with one performer allowed to go wild, while the rest of the band keeps the beat going while carefully keeping count (and looking totally relaxed, to boot) until it’s another player’sWell,turn.I was dumbfounded. You mean to tell me all those anti-intellectual, pot-smoking, fun-loving jazz musicians in high school spent hours mastering this stuff? I would never have believed it at the time. At Peabody, our five classes on a simple six-note blues melody got us far enough along that, after days of baby steps, we could actually take turns improvising 12 whole measures over a boogie-woogie bass line. We high-fived each other at our “success,” but really, it was pretty pathetic when you think about it. But it was fun, all the same. And it gave us a glimpse into the hard work it takes to make music sound and look effortless, as jazz musicians do.

Help beautify the Savage Mill Trail and the area by the Old Mill in Historic Savage. Please wear closed-toed shoes and bring a water bottle. Trash bags, grabbers and gloves will be provided for all participants. The cleanup takes place Sat., Aug. 27 from 10 a.m. to noon at Savage Mill Trail, 8600 Foundry St., Savage. For more info, visit bit.ly/Savagecleanup or email ocs@howardcountymd.gov.

MAPLELAWN FARMERS MARKET

BEACON BITS

SAVAGE TRAIL COMMUNITY CLEANUP

Silver Spring,

Lisa Kim Via email

Readers won’t be surprised to learn that I was a pretty nerdy kid. All right, a very nerdy kid. In addition to being a diligent student and editor of the school newspaper, I was a classical music buff, very fond of Bach and Beethoven even in my early years. Oh, but there was one thing I definitely didn’t like about music: what my piano teacher called music “theory.” That involved learning the various scales and keys, chord types and their inversions, how to transpose and lots of other complex stuff. At the same time, I knew what the cool kids did. Well, the cool musical kids. They played in the marching band and knew how to improvise jazz. I always envied their latter skill the most. Well, in July I participated in a one week “piano camp” (for aging pianists like me) at the Peabody Institute of Music in Baltimore. We reveled in our shared love of classical music, enjoyed trying out the harpsichords, and eagerly learned about Debussy and 21st-century composers.Butone of the highlights of the week was the first class of each day: Jazz Improvisation 101. Wow, I would finally get to learn how to do what the cool kids did!

Architect Frank Gehry no doubt had to master the rules of architecture and engineering before he could design gravity-defying buildings that appear to be made of folded cloth or crushed boxes.

The Beacon,

STARGAZING PARTY

BEACON BITS Sept. 3 Aug. 27

Isn’t that true about almost everything that qualifies as an art or science?

The same can be said of pilots, fine painters, good doctors and almost any other profession you can think of. Only after mastering the basics are you truly able to take flight creatively. Oh yes, and play some darn good jazz. By Stuart P. Rosenthal to P.O. Box 2227, MD 20915,

Letters to the

or email info@thebeaconnewspapers.com. Please include your name, address and telephone number for verification.

HOWARD COUNTY BEACON — SEPTEMBER 2022 Say you saw it in the Beacon 3 Nurturingan Age-FriendlyCommunity AsyourHowardCountyExecutive, Iremaincommittedtosupportingour olderadultsofallbackgroundsandabilitiestoensureHowardCountyremains thebestplacetolive,work,play,andgrowforall. TOGETHER,WE: ReducedtheAgingInPlaceTaxCreditdwellingrequirement.equipmentavailabletoolderadults;andExpandedtheLoanClosetprogramtomakeavarietyofmedical25,000Providedover$20milliontobreakgroundontheEastColumbiaandabilitiestohavebetteraccesstoservices;AARPnetworkofstatesandcommunitiesallowingresidentsofallagesLaunchedtheHowardCountyAge-FriendlyInitiativeandjoinedthe50+CenterandrenovatetheBain50+centertoincreasesizetosq.ft.;

Other visual photoreceptors called cones allow us to see even shorter wavelengths of blue-violet light at around 450 nm.

I was intrigued, but a little skeptical: Could daytime use of blue light-filtering glasses make a difference in how well he slept? How, when, and why blue light affects us seemed like good questions to pose to an expert before deciding whether those glasses could help me, too. What is blue light? Visible light includes a short segment of wavelengths tucked into the electromagnetic radiation spectrum. Together, the wavelengths of visible light captured by our eyes are translated into white light by our brains. Measured in nanometers (nm), visible light wavelengths range from 400 to 700 nm. Blue-light wavelengths lie between about 450 and 495 nm. And different slices of bluelight wavelengths have different effects on our bodies, including on sleep and alertness. How does light affect our bodies?

Most commercially available blue lightfiltering glasses, and special coatings added to prescription lenses, aren’t standardized. So you have no way of knowing which wavelengths are being blocked, and whether this affects only visual function, or important nonvisual functions such as alertness and the circadian clock. Also, the timing, duration and nature of the nighttime light exposure in the summary of these studies was not clear. If you want to block stimulating blue light that could interfere with sleep, avoid screen use as much as possible after dusk — especially within two to three hours of bedtime. You can also try using computer software that reduces the amount of blue light emitted. Examples include Night Shift (available on Apple devices) or f.lux, a free download available for all computers and related devices. Take breaks from screens To help reduce eye strain, a common concern for people who use screens often, the American Academy of Ophthalmology advises taking regular breaks using the 2020-20 rule. Every 20 minutes, look away

People who are 60 and older — without established cardiovascular disease — who do not currently take a daily aspirin to prevent heart disease should not start now. This is particularly true for people with a history of bleeding, say from ulcers or aneurysms, or those taking medications such as blood thinners, steroids, or anti-inflammatories such as ibuprofen or naproxen. If they already take a daily aspirin now, they should ask a doctor about how to proceed, because there may be a serious risk to suddenly stopping. Ask your doctor The best approach is to talk to your doctor about the potential risks and benefits of aspirin specifically for you. Because the risk of bleeding rises with dosage, if aspirin is recommended, take the lowest possible amount, which for most people is an 81 mg. baby aspirin. And if you experience any stomach pain, talk to yourYoudoctor.should also know that in 2016 the USPSTF suggested that daily aspirin use could also help lower the risk of colorectal cancer along with cardiovascular disease. But the group now says there’s not enough evidence to support that claim. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book.

First, people with established cardiovascular disease, especially those who have already had a heart attack or stroke: There’s strong evidence that taking a daily low-dose aspirin significantly reduces the risk of a second cardiovascular event.

See BLUE LIGHT, page 6

How can blue light affect sleep?

4 Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON Health Fitness & ANTI-ALLERGY FOODS Many foods can make allergies worse; others can fight them OFF THE CUFF Rotator cuff injuries don’t always require surgery; physical therapy can help SUGAR SUBSTITUTES What do we know about the safety of artificial sweeteners? FRUITY RECIPES Grapes go well with many foods; learn a fish dish and a veggie one

“Special photoreceptors in the eye detect light to control our circadian rhythms,” he said.These cells contain a nonvisual photopigment called melanopsin, which is most sensitive to 480 nm light at the bluegreen end of the visible light spectrum.

The answer for most people is probably not, according to new guidelines from the U.S. Preventive Services Task Force (USPSTF), a widely respected independent panel that develops recommendations on preventive healthcare. Here’s what you should know: New guidelines For years, aspirin has been a go-to pill Americans use to help ward off cardiovascular disease because of its blood thinning capability. But like most medicines, it can cause serious side effects. Aspirin irritates the stomach lining and can cause bleeding in the stomach, intestines and brain, which can be life-threatening. And the risk of bleeding increases with age. About one-third of Americans age 40 and older, and more than 45 percent of people over age 70 — who don’t have cardiovascular disease — already take a daily aspirin to help prevent cardiovascular disease because it’s been recommended for decades by many different health experts. But in the past few years, new research has emerged showing that for many people without diagnosed heart disease, the risk of bleeding may outweigh the benefits of taking a daily aspirin. This research, along with the advent of other effective therapies in preventing heart attacks and strokes that don’t cause bleeding — better blood pressure drugs and statins for lowering cholesterol — has narrowed the role aspirin plays. Here’s a breakdown of the updated USPSTF guidelines of who should — and shouldn’t — take a daily aspirin, and for those who should, how to take it safely. Who should take it? There are two categories of people who can still benefit from using aspirin.

In addition to helping us see, light also has nonvisual effects on the body, said Dr. Steven Lockley, a neuroscientist at the Division of Sleep and Circadian Disorders at Harvard-affiliated Brigham and Women’s Hospital. The 24-hour circadian clock in the brain regulates sleep and wake cycles, hormonal activity, eating and digesting, and other important processes within the body.

Is once-daily aspirin still recommended?

During the day, blue-enriched light is desirable, since it helps synchronize our circadian clocks to a 24-hour day. Exposure to a regular light-and-dark cycle is vital to achieve and maintain good sleep. Stimulation from certain wavelengths of blue light helps us stay alert, whether this comes from a natural source like the sun in daytime hours, or from electronic devices that emit blue light. But blue-light exposure in the evening — for example, binging a TV series on your laptop right before bed — will stimulate the melanopsin-containing cells and alert the brain, making it think it is daytime. That can make it harder to fall asleep and may affect the quality of your sleep. Can filtering blue light help?

Although a recent systematic review suggested that blue light-blocking glasses may help people with insomnia, Dr. Lockley said there’s not enough detail about the studies to draw that conclusion.

Dear Savvy Senior, I’ve been taking daily aspirin for almost 20 years now because I have a family history of heart disease. But I recently read that using aspirin is not recommended anymore. What can you tell me about this change in philosophy?—Confused Aspirin User Dear Confused, There’s no doubt that taking low-dose daily aspirin is beneficial to most people who’ve had a heart attack or stroke. But if you don’t have heart disease, should you take it as a preventative measure?

Health Fitness &

By Julie Corliss

Recently, my brother mentioned he was sleeping better since he got new prescription glasses with a blue-light filter. He wears his glasses mostly for reading screens (both computer and smartphone) during the day while at work.

How blue light from screens affects sleep

Second, adults ages 40 to 59 with a 10 percent or higher risk for a cardiovascular disease over the next decade: They may see a small benefit to daily aspirin, but it should be an individual decision and discussed with your doctor. Who should skip it?

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Fitness & Health 5 ★ FREE INFORMATION ★ FREE INFORMATION ★ FREE INFORMATION ★ INFORMATIONFREE ★ INFORMATIONFREE ★ INFORMATIONFREE ★ INFORMATIONFREE ★FREEINFORMATION★FREEINFORMATION★FREEINFORMATION★ INFORMATIONFREE ★ INFORMATIONFREE ★ INFORMATIONFREE ★ INFORMATIONFREE CityAddressName State Zip Phone (day) (evening) E-mail Check the boxes you’re interested in and return this form to: The Beacon, P.O. Box 2227, Silver Spring, MD 20915 or fax to (410) 248-9102. MAIL OR FAX FOR FREE INFORMATION For free materials on housing communities and health studies, just complete and clip this coupon and mail or fax it to the Beacon. Housing Communities ❏ Brooke Grove (see ad on page 32) ❏ Charlestown (see ad on page 8) ❏ Morningside House of Ellicott City (see ad on page 26) ❏ Park View at Colonial Landing (see ad on page 26) ❏ Park View at Columbia (see ad on page 26) ❏ Park View at Ellicott City (see ad on page 26) ❏ Park View at Emerson (see ad on page 26) ❏ Residences at Vantage Point (see ad on page 1) ❏ Shriner Court (see ad on page 25) Clinical Research Studies ❏ Balance & Memory Studies (see ad page 10) ❏ My Health Maryland Study (see article on page 10) HC9/22 ✃ Visitorwww.RenovationReal.Estatecallusat410-695-6202 “Shaun increased the selling price of our home beyond our expectations.” Diane L. – Baltimore Sometimes a property is not in condition to get Top Dollar when you sell. I can help! Sell your home for MORE! heardAsWCBM!on We Fix it, We Sell it, YOU Profit! I’m Shaun Holden, a licensed General Contractor AND a licensed Real Estate Broker. That’s right, BOTH! Renovation Real Estate will renovate your property at NO out of pocket cost to you, then list it and get it sold for top dollar. You do not pay a dime until the house sells. YOU keep the profit! Veteran-Owned Business LIVING WELL WITH CHRONIC DISEASE If you or someone you know lives with a chronic health condition, join this six-week virtual class for free to learn techniques to cope with frustration, fatigue, pain and isolation. Develop skills to communicate more effectively with family, friends and health professionals; learn exercises to maintain and improve strength, flexibility and endurance; and improve nutrition and develop healthy eating habits. The class takes place every Wednesday from 6 to 8:30 p.m. from Sept. 14 through Oct. 19. For registration, visit bit.ly/LivingWellVirtually or call (443) 774-4257. BEACON BITS Sept. 14+ ✃

One note about drinking wine or alcohol: Drinking fair amounts of alcohol will negate the effect of melatonin. In other words, if you drink alcohol, you’re making it harder for melatonin to do its job.

Suzy Cohen is a registered pharmacist and author of The 24-Hour Pharmacist and Real Solutions from Head to Toe

By Suzy Cohen When night falls and you feel the urge to sleep, it’s because your pineal gland has just secreted a tiny amount of melatonin. After about age 50, the amount starts to slowly decline, which explains the frequent bouts of insomnia in older adults. Did you know that melatonin is not just a human thing? It’s found in the plant kingdom, too. Just like humans and animals, plants respond to light and dark cycles termed the “photoperiod.” They make melatonin so it will act as an antioxidant in response to harsh environments. Perhaps this is its most important role in your body, too. There are hundreds of studies affirming anti-cancer activity of melatonin, so we know it is protective of “harsh environments,” even in the humanMelatoninbody. not only helps induce sleep; it also regulates our circadian rhythm, general mood, our body temperature and even healthy bone metabolism. There is an impact on reproductive systems, immune function and vision. Natural melatonin is not just made in humans and in plants. It is ubiquitously found in birds, fish, reptiles and some bacteria. I’ve been so fascinated with this since my garden is in full bloom that I decided to delve into the plant kingdom more.

Another warning: taking excessive amounts of melatonin could lead to fatigue, stomach ache, drowsiness, low blood pressure, and mood changes like confusion or irritability. For a longer, more comprehensive version of this article, please visit suzycohen.com. This information is opinion only. It is not intended to treat, cure or diagnose your condition. Consult with your doctor before using any new drug or supplement.

There are teas of this herb you can drink. Topical oils and creams containing St. John’s wort help with all kinds of skin problems. Common foods with melatonin

There are several foods that contain natural melatonin or spark more production of your own. They include oatmeal, rice, wheat/barley, tart cherries, Goji berries, bananas and grapes.

Natural melatonin sources may help sleep

Plants containing melatonin Skullcap (Scutellaria biacalensis). Sometimes also called Chinese Skullcap (Huang-qin), this plant has well-documented anxiolytic and sedative properties. That’s why people take dietary supplements of it. The compound acts as a natural antiviral against certain pathogens. It makes people sleepy if taken in supplement form. Feverfew (Tanacetum parthenium). Extracts of feverfew help headaches, as does melatonin in people who are deficient. In 1997, The Lancet published a piece entitled “Melatonin in Feverfew and a Few Other Medicinal Plants.” Feverfew contains parthenolide, which provides help for some people with stiff muscles, asthma, tinnitus, psoriasis and nausea. However, pregnant women are often warned to avoid this supplement. St. John’s wort (Hypericum perforatum). Extracts are used for mild to moderate depression or anxiety. The Lancet refers to this plant as an “herbal tranquilizer,” and that is partially due to the melatonin content.

Citrus, peppers and potatoes

Onions, broccoli and grapes

my

© 2022 Harvard University. Distributed by Tribune Content Agency, LLC. Blue light

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Probiotics — a mixture of live bacteria and/or yeast that live in the body to help keep us healthy — may also have beneficial effects on allergy symptoms. Probiotics may help stimulate the immune system to improve the body’s defenses and reduce allergic inflammation. According to a recent review of studies, probiotics can reduce the degree of suffering from, and the duration of, allergy symptoms without side effects that often accompany allergy medications. Probiotics are found in fermented foods like yogurt, sauerkraut, sourdough, miso, kefir, kombucha and kimchi. Salmon, seeds and plant oils Omega-3 fatty acids have been studied for their association with easing allergy symptoms. Growing evidence supports the beneficial effects of omega-3s in chronic inflammatory diseases, including reducing the severity of symptoms in allergic diseases.Sources include cold water fatty fish, such as salmon, mackerel, sardines, trout and tuna, as well as some nuts and seeds, like walnuts and flaxseed, oils made from them, and some other oils, including canola oil, soybean oil and cod liver oil.

Ongoing

Foods that can help you fight allergies

Eating fewer inflammatory foods — processed foods often laden with added sugar, refined grains and preservatives — and replacing them with anti-inflammatory whole, mostly plant-based, foods can have many health benefits, including protection against disease (allergies, too). Enjoy more of these foods to give your diet an allergy-fighting boost.

to infection, ulcers, and amputation in severe cases “I was

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These foods contain the powerful plant compound quercetin, known for anti-allergic properties. This antioxidant-rich flavonoid may boost the immune system into action by inhibiting histamine release and acting as an anti-inflammatory agent. Research supports its efficacy in reducing many causes of allergic symptoms, with no significant side effects. Plant extract of quercetin is the main ingredient of many potential anti-allergic drugs and products.Onions are the most studied quercetincontaining food, but this compound is also found in cruciferous vegetables, like broccoli and cabbage, along with apples, berries, citrus, grapes and wine.

BEACON BITS

By Lori Zanteson Summer means warming temps, longer days and beautiful new blooms. It also means heightened allergies for a growing number of Whateverpeople.theallergen — pollens, pet dander, dust — symptoms like sneezing, runny nose, congestion, and itchy, watery eyes affect about one billion people worldwide. Finding relief isn’t easy, but making small, simple changes to your eating habits may help ease symptoms.

doctor was very professional and understanding.  I look forward to my next visit.” –

From page 4

Reprinted with permission from Environmental Nutrition, a monthly publication of Belvoir Media Group, LLC, 1-800829-5384, EnvironmentalNutrition.com. © 2022 Belvoir Media Group. Distributed by Tribune Content Agency, LLC. can lead very pleased with visit there. The wait time was minimal, and the staff was great and the Doris H. A painless 30-minute screening at Maryland Vascular Specialists can detect: from your screen at an object about 20 feet away for about 20 seconds. You should also get as much daylight exposure as possible in between screen use to provide a strong circadian and alerting stimulus, particularly if you spend most of your time indoors. As for my brother, he doesn’t watch much television and tends to prefer reading print books in the evenings. He agreed that he might be experiencing a placebo effect from the blue-light filter on his new glasses — or simply that he is sleeping better now that he has the correct prescription, and therefore less eye strain.

Choosing foods high in vitamin C can be an effective way to help reduce the severity of allergic reactions. An antioxidant and an antihistamine, vitamin C supports the immune system and protects the body’s cells against damage from harmful free radicals.Research has shown that vitamin C may decrease inflammation, swelling and other symptoms of allergic reaction. Studies show that vitamin C seems to be most effective against upper respiratory allergy symptoms caused by allergens like pollen, mold or pet dander. Natural vitamin C-rich foods include oranges, grapefruit, lemons, bell peppers, strawberries, Brussels sprouts and potatoes. Kefir, kombucha and kimchi

HowardSKILLSTECHNOLOGYWEBSITECountyLibraries suggests Digitallearn.org if you are new to computers, haven’t used them for a while, or just need a refresher. The free self-directed tutorials and tips on this website will help you tackle technology at your own pace and gain the confidence you need to succeed.

Julie Corliss is executive editor of Harvard Heart Letter.

Choose small isn’t sometimes called reduce inflammation

an anti-inflammatory diet — may

impact on bodywide inflammation, so no, eating more kale

FREE MEDICAL EQUIPMENT LOANS

Maintain a healthy weight. Because excess fat in cells stimulates bodywide inflammation, avoiding excess weight is an important way to prevent fat-relatedKeepinginflammation.yourweight in check also reduces the risk of Type 2 diabetes, a condition that itself causes chronic inflammation. Manage stress . Stress hormones contribute to chronic inflammation. Yoga, deep breathing, mindfulness practices and other forms of relaxation can help calm your nervous system. Do not smoke. Toxins inhaled in cigarette smoke trigger inflammation in the airways, damage lung tissue, and increase the risk of lung cancer and other health problems. Try to prevent inflammatory conditions, such as: Infection. Take measures to avoid infections that may cause chronic inflammation: HIV, hepatitis C and COVID-19 are examples. Cancer. Get cancer screening on the schedule recommended by your doctors. For example, colonoscopy can detect and remove polyps that could later become cancerous. Allergies . By avoiding triggers of asthma, eczema or allergic reactions, you can reduce the burden of inflammation in your body.

The Loan Closet of Howard County offers free durable medical equipment for all ages. At the Loan Closet, staff not only connect individuals to equipment but also provide instruction on its use. The Loan Closet is located at 7125 Riverwood Dr., Suite D1 in Columbia. Appointments are required for all services. For more info, call (410) 313-0363. Sept. Ongoing19

ONLINE BILL PAY In this free hands-on workshop from Senior Planet, you’ll learn how to set up an online account with your utility company and explore its many advantages, including automatic bill pay and paying with a credit card or from your bank account. Join through Zoom or call in on Fri., Sept. 9, from noon to 1 p.m. For more info, visit seniorplanet.org/event/online-bill-pay or call (240) 753-0676. 9

BEACON BITS Sept.

WALKING GROUP Walking is a great way to get some activity into your routine and engage with others. Come for a walk on Mon., Sept. 19, from 9:30 to 10:30 a.m. at East Columbia Branch Library, 6600 Cradlerock Way, Columbia. Wear comfortable shoes and bring a water bottle. Registration is required. For more info, visit howardcounty.librarycalendar.com or call (410) 313-7700.

BEACON BITS

a healthy diet. Individual foods have a rather

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likely to help much. But making sure you eat lots of fruits and vegetables, whole grains, healthy fats and legumes —

and lower risk for chronic illnesses like diabetes and heart disease.

Not only can these diets help reduce inflammation on their own, but avoiding foods that increase inflammation (such as sugary drinks and highly processed foods) benefits your body, too.

Robert H. Shmerling, M.D. © 2022 Harvard University. Distributed by Tribune Content Agency, LLC.

Exercise regularly. Physical activity may help counter some types of inflammation through regulation of the immune system. For example, exercise has anti-inflammatory effects on white blood cells and chemical messengers called cytokines.

The most common forms of treatments for this are anti-inflammatory medications; icing the shoulder regularly; modifying your activities, including avoiding heavy lifting and overhead lifting; and physical therapy.Forpatients with complete tears of the tendon, the situation is a little bit more complex. If the tear is small or the patient is relatively low risk, some patients with complete tears may still be able to avoid surgery.Thetreatment plan for them would be the same options listed for tendinitis above. Although physical therapy won’t heal the small tears, it can help optimize the other muscles around the shoulder that are still intact, which allows them to compensate for the tendon with the tear. For active patients with a complete tear of the tendon, surgery may be optimal because it offers the most predictable and successful way of restoring function. Rotator cuff repair surgery typically is done as an outpatient procedure through a minimally invasive, or arthroscopic, approach. Using these small incisions can reduce pain and improve recovery long term.After undergoing rotator cuff repair, the arm is kept in a sling for approximately six weeks after surgery to allow things to heal. After this time, the sling is slowly discontinued, and formal physical therapy is initiated.Theearly focus of physical therapy is on restoring range of motion. This typically takes three or four months from the date of surgery. Around two or three months after surgery, gentle strengthening exercises are introduced. Then patients will progress to additional rehabilitation. While there is significant variability, the average overall recovery time following rotator cuff repair is approximately six months. Once everything is healed, we generally allow patients to get back to all activities, as tolerated. However, it is a good idea to avoid any unnecessary overhead lifting over the long term. This reduces the risk of having recurrent problems and injuries down the road. Mayo Clinic Q & A is an educational resource and doesn’t replace regular medical care. E-mail a question to MayoClinicQ&A@mayo.edu. For more information, visit mayoclinic.org.

Generally speaking, rotator cuff problems tend to produce three main symptoms: shoulder pain, decreased shoulder motion and weakness. Although most patients will have some level of each of these symptoms, not everyone with a rotator cuff tear will have all three symptoms. In terms of the pain, if you have a rotator cuff injury, you typically have pain over the lateral, or outside, portion of the shoulder, around the deltoid muscle. This pain generally worsens when you try to lift your arm overhead or lift objects away from your body. Other injuries around the shoulder can result in similar symptoms. Some of the more common injuries are biceps tendinitis, acromioclavicular joint injuries, or arthritis.Understanding where your pain is originating from can help differentiate these problems from pain caused by your rotator cuff. If you have pain on the lateral, or outside, part of your shoulder with decreased range of motion and difficulty lifting objects, you may have a rotator cuff injury. Oftentimes, this can be some mild tendinitis that will improve with a few days of rest. Talk to your healthcare provider. He or she can typically diagnose a rotator cuff tear based on your symptoms, a physical exam and possibly imaging, such as X-rays and an MRI.

© 2022 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Content Agency, LLC.

Treatment varies for rotator cuff injuries

For most patients with tendinitis, which is inflammation of the rotator cuff tendon without a complete tear, as well as pain and other symptoms, they generally improve without surgical intervention.

For some people, a distinct injury or accident results in a rotator cuff tear. For others, it could be a slow, gradual increase in pain over time.

439100 Learn More About Vibrant Senior Living! Call 1-800-989-6981 or visit us at CharlestownCommunity.com . Get your FREE brochure from Charlestown, Baltimore County’s premier senior living community located in Catonsville. • See a variety of floor plans • Discover fresh, flavorful dining • Learn about affordable pricing Catonsville CharlestownCommunity.com 8 Fitness & Health | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON

When is surgery called for? When I diagnose a patient with a rotator cuff injury, the most common question I get is whether surgery is necessary.

By Christopher Camp, M.D. Dear Mayo Clinic: I have been experiencing pain in my right shoulder every time I hit the tennis court, and when I try to lift objects at home. How do I know if I tore my rotator cuff? What are the options for treatment, and can I get back to playing?

Common symptoms

For those with distinct injuries, these usually occur when trying to lift heavy objects overhead or lifting things away from the body. You also can injure your rotator cuff during traumatic falls or accidents.

A: People can injure their rotator cuff in several ways. Accordingly, it can be hard to know if that is the primary source of your shoulder problems.

Purkey’s exhibit “A Brush with History” opens Sept. 15 at the Columbia Art Center, 6100 Foreland Garth, Columbia. The center will host a special artist reception on Sun., Sept. 18. Purkey’s 50 paintings will be on view through Oct. 7. For more information, call (410) 730-0075.MUSICIANS

ELLICOTT LocalPAINTINGSCITYpainterWiley

Aug.Fridays27+

BEACON

Q: I hear so much about the evils of sugar. Are artificial sweeteners a good alternative, especially to help me lose weight?

The FDA has approved six artificial sweeteners: saccharin, acesulfame, aspartame, neotame, sucralose and advantame. It has also approved one natural low-calorie sweetener, stevia. Research looking into the potential health effects of artificial sweeteners has offered up a mixed bag. Some studies have actually linked these products to higher rates of weight gain and diabetes. But others have found an association with weight loss and lower body mass index, and no adverse health effects.

Join Charm City Bingo every Friday at the Hotel DoubleTree Columbia’s 5485 Restaurant & Bar for music bingo. Enjoy food and drink specials and win prizes. Play every Friday from 7 to 9 p.m. at the hotel restaurant, 5485 Twin Knolls Road, Columbia. For more info, call (443) 514-8559. BITS

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Fitness & Health 9 Peac Pre-planni Itrelievvee e of M ang a funer l is a g esthepressureonth ind is P o ya greatt gift, t yoour hemtoimaginewha riceless o yfafamily and t yoou a atyoumighhtthavve : It wantedrelie w ur fYYoo fuun YoYour fam been arr f yI yoou pricechaches the pressure on th while they deal with neral service will be n enily ca njjoy peace ranged. e-foose to pr fuund, th angeorinflaattion hem to imagine wha h grief and loss. s yexactly a you wish d kof min knnowing e he cost is fixed andat you mig t h h vever ything has ad fprotecte frrom latter 770 price cha Ask Ask for Jim ange or infl . Call us t k about our p m Schwartz oro learn rrice-matchmoreguChrisBoggs.arantee!:410-747-4 itCrCema ory on premises NIGHT BITE FISHING Join Howard County Recreation & Parks every other Saturday night for a unique opportunity to fish Centennial Lake after hours. Bring your own equipment and bait. All participants must check in onsite by 7 p.m. and

AND SINGERS WANTED Winter Growth is looking for individuals or groups to volunteer to perform on Fridays from 11 a.m. to noon at their Adult Day Care and Assisted Living Center. They may need volunteers on other days at the same time. The center is located at 5460 Ruth Keeton Way, Columbia. For more info, visit bit.ly/WinterGrowthVolunteer or call (410) 964-9616.

Why might artificial sweeteners potentially cause weight gain instead of weight loss? These products change the way we taste food. Non-nutritive sweeteners are far more potent than table sugar and highfructose corn syrup. A miniscule amount produces a sweet taste comparable to that of sugar, without comparable calories. Artificial sweeteners are extremely sweet — hundreds to thousands of times sweeter than table sugar. So, people who habitually consume them may end up desensitized to sweetness. Healthful, satiating foods that are less sweet, such as fruits and vegetables, may become unappetizing by comparison. As a result, the overall quality of the diet may decline. The calories removed from the diet by the sugar-for-sweetener swap may sneak back in, in the form of refined carbohydrates and low-quality fats. In other words, use of artificial sweeteners can make you shun healthy, filling and highly nutritious foods, while consuming more artificially flavored foods with less nutritionalArtificialvalue.sweeteners may play another trick too. Research suggests that they may prevent us from associating sweetness with caloric intake. As a result, we may crave more sweets, tend to choose sweet food over nutritious food, and gain weight. Even with FDA approval of artificial sweeteners, there remains some doubt about the long-term safety of daily high doses of these products.

Pros and cons of artificial sweeteners

CHARM CITY MUSIC BINGO

BEACON BITS Sept. Ongoing15+

By Howard LeWine, M.D.

Studies leading to FDA approval have ruled out cancer risk, for the most part. However, those studies were done using smaller amounts of diet soda than the 24 ounces a day consumed by many people who drink diet soda. Personally, I have taken a moderate approach. I use an artificial sweetener in my daily morning coffee, and try to limit simple sugars throughout the rest of the day. © 2022 Harvard University. Distributed by Tribune Content Agency, LLC. have a valid fishing license. Registration is $5. Fish from 6 to 11 p.m. at Centennial Park South Boat Launch, 10000 Route 108, Ellicott City. For more info, visit bit.ly/nitebite or contact mmedicus@howardcountymd.gov.

A : While they are not magic bullets, smart use of non-nutritive sweeteners could help you reduce added sugars in your diet, therefore lowering the number of calories you eat. Reducing calories could help you attain and maintain a healthy body weight. In fact, the American Diabetes Association (ADA) and American Heart Association (AHA) have given a cautious nod to the use of artificial sweeteners in place of sugar to combat obesity and diabetes.

People who participate in the study “are contributing to new knowledge and will lead to new preventive and new therapies for disease,” said Dr. Alan Shuldiner, M.D., study co-leader. How it works Any Maryland resident over age 18 is welcome to join. The first step is to watch a short video on your computer, tablet or mobile phone to learn about the My Healthy Maryland study.

and finisher

They’ll use surveys and other health information as well as DNA samples to learn more about how disease affects diverse populations — and maybe how to prevent disease in the first place. The study, called My Healthy Maryland, launched in July.

Health Studies INFORMATION ON AREA CLINICAL TRIALS BALANCE AND MEMORY!BALANCE AND MEMORY! We are studying why falls and balance disorders occur in older adults with Alzheimer’s disease or related dementia and how falls impact their lives. Individuals 60+ may be able to join our research study. We take the

to the

Also, participants will be contacted from time to time with opportunities to enroll in new research studies.

to support the department with special needs and programs.

If you’d like to be part of a new research program whose goal is to improve the health of Marylanders, the University of Maryland School of Medicine wants to hear from you.

all registration fees

runners of all speeds.

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By Margaret Foster

Next, people will fill out several online surveys about their health history, and let the research team know where to access their medical records.

“Once one is informed about the study, they can electronically sign the consent,” Shuldiner explained.

Researchers are seeking to engage 250,000 Marylanders to build a resource that will enable a broad range of healthand disease-related research.

Then participants will receive a kit in the mail, swab the inside of their cheek, and drop the sample in the mail.

The research team at the University of Maryland School of Medicine can then extract DNA from the sample. Researchers plan to “identify sets of genes and gene mutations that put whole hosts of people at risk for disease — cardiovascular disease, diabetes,” and more, according to Shuldiner.

Participants sought for a Maryland study

Occasionally participants will receive general updates on the research as well as health tips. Eventually participants will have the option to learn about their own individual research findings, which may be relevant to their health.

Addressing privacy concerns

All health information and the DNA specimen will be “de-identified before sharing with researchers,” Shuldiner said. In other words, names will be removed, but such things as age, gender and race will remain on the coded specimen. “We go through extraordinary efforts to protect personal identifying information and health data. I think that data is quite safe and quite secure,” he said. “While the risks are not zero, I believe that they are minimal.”MyHealthy Maryland seeks to enroll a wide variety of people. “We’d like the 250,000 participants to be a microcosm that represents of the diversity of Maryland,” Shuldiner said. Some people may be hesitant to enroll in the study. “At the end of the day, trust is a big deal,” said Shuldiner, who works with the Amish community. Nonetheless, he is optimistic that hundreds of thousands of Marylanders will step forward to help science. After all, this study carries no risk to health, and can be done entirely from home.“There’s an altruistic nature to research, and people often feel good about donating their time, effort and biospecimens to science,” he said. To find out more about the My Healthy Maryland study, visit marylandprecisionhealth.org or call (410) 706-6140. burden County Police Foundation raise funds A portion of is donated Police Foundation. The race is appropriate for Registration starts at $15 and includes a shirt medal. The run takes place Sun., Sept 11 from 8 to 11 a.m. at Centennial Park, 10000 Clarksville Pike, Ellicott City. Registration closes on September 8.

of travel away from you by traveling to your home (if desired). We provide compensation up to $100 for our participants.For more information call 410-614-9825 Or email vhorta1@jhmi.eduApproved October 25, 2021 JOHNS HOPKINS UNIVERSITY DATE: SEPTEMBER 9, 2021 PRINCIPAL INVESTIGATOR: YURI AGRAWAL, MD APPLICATION NO.: NA_00087648 • Eye Care for All Ages • Specialists in Cataracts, Glaucoma, Diabetic Retinopathy and Macular Degeneration • Contact Lens Specialists • Plastic & Reconstructive Eye Surgery Full In-House Optical Department Outpatient No-Stitch Cataract Surgery • Laser Surgery MEDICARE ASSIGNMENT ACCEPTED LENARD H. HAMMER, M.D., F.A.C.S. GORDON LUI, M.D. SCOTT B. BECKER, M.D. BRIAN J. WINTER, M.D. VANESSA LIMA, M.D. CRISTINA F. ROUILLER, O.D.. 410-997-9900 8860 Columbia 100 Parkway, Suite 101, Columbia, MD REMOVE INVASIVE PLANTS Join the Middle Patuxent Environmental Area Conservation Stewardship Project (MPEA CSP) to address the issue of invasive exotic plant species harming native species at Middle Patuxent Environmental Area 5795 Trotter Rd., Clarksville. Volunteers will remove invasive plants and learn how to restore native species. Each event also includes an educational component concerning the target species or area of the day. Registration is required. For more info, visit bit.ly/Clarksvilleinvasives.POLICEPACEFUNDRAISERRunorwalktohelptheHoward

For more info, visit bit.ly/EllicottCityrun or contact racedirector@ripitevents.com. BEACON BITS OngoingSept.11

“I was tired of living with my fibromyalgia pain”

salmon 7 minutes for mediumrare; 8 minutes for medium. In large bowl, toss spinach and onion with remaining oil and vinegar. Season with salt and pepper to taste; toss again and divide among four plates. Place fish on top of greens. Spoon roasted grapes around fish.

Fibromyalgia affects the entire body. To make things complicated, it affects those who suffer from it differently, and its symptoms can change on a daily basis. Sometimes you’re plagued with widespread muscle pain and fatigue, and other days you have a headache and heightened sensitivity to touch.

By Family Features

Nutritional information per serving: 360 calories; 31 g. protein; 12 g. carbohydrates; 19 g. fat (48% calories from fat); 3 g. saturated fat (8% calories from saturated fat); 65 mg. cholesterol; 105 mg. sodium; 2 g. fiber.

“I feel like a new person. I have hope again, I feel like I’ve walked out of a dark place. My husband is so grateful to have the woman he married back. It’s like a miracle.” Cindy says. If you or a loved one is suffering from fibromyalgia or another debilitating pain condition, the staff at Patapsco Acupuncture can help. Until October 1, new patients can take advantage of $200 off a $240 new patient consultation by calling 443-774-5441.

Roasted Salmon and Grapes with Pistachios Over Fresh Greens Prep time: 15 minutes Cook time: 7-8 minutes Servings: Ingredients:4 4 wild sockeye or coho salmon fillets (about 5 ounces each) 3 tablespoons extra-virgin olive oil, dividedsalt, to taste freshly ground black pepper, to taste ¼ cup dry white wine 1 cup green California grapes ¼ cup shelled, unsalted pistachios, coarsely chopped 2 tablespoons finely chopped Italian parsley5ounces baby spinach ¼ red onion, thinly sliced 1 tablespoon white wine vinegar Directions: Heat oven to 400° F. Lightly oil shallow, 9-by-13-inch baking dish. Pat fish dry and place skin side down in pan. Brush fillets lightly with 1 tablespoon olive oil and sprinkle with salt and pepper, to taste. Pour wine in pan, scatter grapes around and sprinkle pistachios and parsley onRoastfish.

2 tablespoons extra-virgin olive oil

Fibromyalgia has been difficult to treat and even more difficult to understand, until now. A local acupuncturist is providing patients with much needed relief from Fibromyalgia symptoms.

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Fitness & Health 11

Grapes pair well with fish and vegetables

For more information or to schedule a consultation, call 443-774-5441 or visit www.patapsco-acupuncture.com

Grapes are a popular and convenient fruit that can also be an ally in wellness, offering an abundance of health benefits that can help you get (and stay) on the right track. They can go with you on hikes and bike rides or to the gym as a healthy and hydrating source of energy. With no need to peel, cut, core or slice, grapes are perfectly portable when you’re on the go. Heart-healthy grapes also deliver beneficial antioxidants and other polyphenols and are a good source of vitamin K, which supports bone and heart health. Grapes and seafood are a classic combination. This recipe for roasted salmon with grapes and pistachios offers antioxidants and other polyphenols from grapes along with healthy omega-3 fats from fish. Grapes also may help support healthy skin even when exposed to UV light. In a study conducted by the University of Alabama, subjects consuming 2¼ cups of grapes every day for two weeks showed increased resistance to sunburn and reduced markers of UV damage in skin cells. Whatever your path to health, eating well and encouraging healthy habits can be deliciously easy with the benefits of grapes. Find more health benefits and good-for-you recipe ideas at GrapesFromCalifornia.com.

Servings: Ingredients:4

When it’s time for a filling yet nutritional dinner, Warm-Spiced Chickpeas and Couscous with Grapes and Arugula makes for an ideal vegetarian meal. Plus, this easy-tomake dish includes 8 grams of fiber to help support colon health.

1 cup Israeli pearl couscous ¾ teaspoon ground turmeric 1½ cups water

Frustrated and discouraged, Cindy took matters into her own hands to try to find an alternative solution. She discovered that acupuncture can improve the quality of life for Fibromyalgia patients. Determined to find the best, she came across Patapsco Acupuncture & Integrative Medicine in Sykesville, led by Shiopei Low, L.Ac. The clinic specializes in difficult chronic pain cases by blending the wisdom of traditional medicine with modern medical innovations that enhance healing and recovery of the whole body, and has a high success rate in improving quality of life.

1 can (15 ounces) no-salt-added chickpeas, drained 1 cup red California grapes, halved 2 tablespoons chopped fresh cilantro or parsleyfreshly ground black pepper, to taste 4 cups lightly packed baby arugula lemon wedges Directions: Heat oil in large saucepan over medium heat. Add onion, cumin, ½ teaspoon salt and allspice. Cook, stirring, until onion is softened, about 3 minutes. Add couscous and stir 1 minute to toast lightly. Add turmeric and water; bring to boil. Reduce heat, cover and simmer until couscous is tender, about 15 minutes. Stir chickpeas, grapes and cilantro into couscous then season with salt and pepper, to taste. Transfer couscous-grape mixture to large bowl, add arugula and toss well. Serve warm or at room temperature with lemon Nutritionalwedges.information per serving: 370 calories; 12 g. protein; 61 g. carbohydrates; 9 g. fat (17% calories from fat); 1 g. saturated fat (2% calories from saturated fat); 0 mg. cholesterol; 160 mg. sodium; 8 g. fiber. This article was sponsored by the California Table Grape Commission.

“I could barely stand to have the light weight of the bedsheets touching me, much less a hug from my husband.” explains Cindy. Symptoms make everyday life extremely difficult. Too often, symptoms are only made worse because doctors find them difficult to understand and even more troublesome to treat. Dietary changes, pain liniments, and prescription medication are suggested to the point where your life is no longer ruled by your pain, it is now ruled by a tedious routine and pill regimen that is supposed to be helping you avoid fl are ups. Cindy put it this way, “My life was no longer my own.”

Warm-Spiced Chickpeas and Couscous with Grapes and Arugula Prep time: 10 minutes Cook time: 20 minutes

1 small onion, chopped 1½ teaspoons ground cumin ½ teaspoon kosher salt, plus additional, to taste, divided Dash of ground allspice

Acupuncture is a thousands-year old tradition that has been proved to be effective in reducing various forms of pain through its action on the parasympathetic nervous system, and stimulating the release of endorphins and other pain-relieving neurotransmitters, which offers much-needed relief for sufferers of Fibromyalgia.

Cindy K. of Ellicott City found herself at a turning point when she noticed her fibromyalgia diagnosis had started to take a toll on her marriage. “I was angry all the time because of all the things I couldn’t do anymore because of my Fibromyalgia. That anger cycled through to depression and affected everyone around me, my husband more than anyone. It made our lives miserable.”

• Info: Tessa Hurd, 410-313-7311 or thurd@howardcountymd.gov. Artful Journaling Club Create journal pages that combine creative writing and decorative art using a variety of media. No art experience necessary. Supplies discussed at first meeting. This is a participant-run club, no instructors present.

Classes: RP0304.1018

Stained Glass Workshops Make a small, stained-glass hanging using the copper foil technique. Learn to score, cut, foil, and solder stained-glass pieces into a finished hanging. Develop and practice the skills needed to score and break glass. Beginners and intermediate students both enjoy these workshops. Supplies provided include a patern, glass and tools.

Instructor: Sharon Ricks Classes: 5 RP3571.101 Online Sep 20 6:30-7:30pm Tu $59

Instructor: John Guion Classes: 4 RP3521.101 Belmont Sep 20 9:30-11:30am Tu $95

Beginner Ballet for Active Aging Adults

Beginner Jazz for Active Aging Adults

Roger Carter Comm Ctr Sep 16 10-11am F $99

This adult beginner ballet dance class is filled with graceful and fluid movements that help build strength and flexibility while having fun. Beautiful classical music is added to this light and enjoyable class. No equipment is needed. Come and enjoy this weekly class and socialize with members of the community.

Roger Carter Comm Ctr Sep 16 5:30-7pm F $99

Instructor:environment.Performing Arts Center for African Cultures Classes: 8 RP3554.101 Online Sep 17 1-2pm Sa $79

with Carol Asher

This beginner/intermediate level line dance class is fun for all. Line up and learn the step-by-step choreography taught by instructor, Jessie Barnes.

Classes: RP0305.10112

Recreation & Parks

Instructor: Jessie Barnes Classes: 8 RP3511.101 N Laurel Comm Ctr Sep 20 6-7pm Tu $79 RP3511.102 Harriet Tubman Ctr Sep 21 11am-noon W $79 To view all of our programs and activities, visit www.HowardCountyMD.gov/rap.

Roger Carter Comm Ctr Sep 14 12:30-1:30pm W $99

Instructor: Maureen Stone Classes: 1 RP3536.101 N Laurel Comm Ctr Sep 14 11am-3pm W $89

Instructor: Le Mia Lynch Classes: 6 RP3532.101

with Carol Asher

You Can Draw & Paint with Carol Zika Participants bring their own materials and projects to work on with an art educator experienced in a wide variety of media. Personal feedback and guidance given to each student in this open studio format. Bring a table cover.

Journaling: Seasons and the Colors of Fall Fall is a time of transition, and preparation. It’s the time when days become shorter, and nights become longer. Join us this fall as we reflect on the seasons of our lives through journaling.

Crafts & Fine Arts

Digital Photography 101 Learn the elements and techniques that produce compelling photos, then practice your new skills while photographing Belmont’s historic manor and grounds. Digital camera required (DSLR or point-and-shoot with manual controls).

Classes: RP3512.10110

Beginner Crochet with Mia Learn everything from basic stitches to how to read patterns. Finish the class with a couple of projects under your belt and the fundamentals needed for future projects. Participants can bring their own supplies, or use the ones provided.

E. Columbia 50+ Ctr Sep 16 1-3pm F $125

Bain 50 + Ctr Sep 8 10am-noon Th $20

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Dance • Info: Tessa Hurd, 410-313-7311 or thurd@howardcountymd.gov.

Classes: RP3508.10110

This adult beginner jazz dance class is filled with rhythm and musicality while building strength. Jazz has its own movement vocabulary ranging from the isolation of certain body parts to the movement of the entire body with the accents of musical rhythms. Enjoy this fun, weekly class while listening to award winning show tunes. No equipment is needed.

Beginner/Intermediate Soul Line Dance

BESA African Dance for Active Adults Come enjoy this moderate-to-low impact dance exercise program that engages you while having fun and working on cardio to support a healthy lifestyle. Instructors use African dance forms and techniques to teach African cultural dances in a fun

Classes:

Intro to Fishing you a new angler? Coming back to the sport? Learn or review how to cast, identify fish, rig a pole, tie knots, and more. Equipment and bait provided.

Classes: RP9171.1021

Fitness ACE, AFPA

RP8666.103 Roger Carter Comm Ctr Sep 20 12:15-1:30pmTu,Th $154

thurd@howardcountymd.gov. Emerge

Wellness Yoga with Kathy Greisman

\ Health & Relaxation • Info/Fitness

Centennial Pk South Sep 13 9:30-11:30am Tu $35

Zumba Gold with Lisa Noorani, AFAA, Zumba Gold Licensed

designed for individuals who can get up off the floor without assistance. Classes: RP3544.101Roger10 Carter Comm CtrSep 1310-11amTu,Th$75 RP3544.102Roger Carter Comm CtrOct 1810-11amTu,Th$75 Visit www.howardcountymd.gov/rap for info. Drop-In Programs, Lifelong Learning, Speaker Series, Sports & More tinyurl.com/55plusprograms Scan the QR code for more 55 years + programs! tinyurl.com/55plusprograms

Centennial Pk South Sep 27 9:30-11:30am Tu $39 Waiver: Tessa Hurd, 410-313-7311 or with Pamela Schuckman Are you an active aging participant looking to get fit after illness, an injury or quarantine? Focus on core strength, balance and flexibility while participants learn proper body mechanics and ways to modify exercises. Class is tailored to individual needs and is

Wellness Yoga strengthens the core muscles of the pelvis, abdomen and back to improve balance, trunk strength and flexibility, body awareness, and whole-body movement. Please purchase a yoga mat prior to class.

Designed for active adults, class combines easy-to-follow aerobics, weight and cardio training with Keiser and Precor equipment, free weights, floor exercises, balance training and Classes:stretching.23No class 9/26, 10/5, 11/23 RP8666.101 N Laurel Comm Ctr Sep 19 11am-12:15pm M,W $161 Classes: 22No class 11/24 RP8666.102 Online Sep 20 10:30-11:45am Tu,Th $154

Zumba Gold introduces easy-to-follow Zumba choreography that focuses on balance, range of motion and coordination. We focus on all elements of fitness: cardiovascular, muscular conditioning, flexibility, and balance. Zumba Gold is perfect for active older adults who are looking for a modified Zumba® class that recreates the original moves you love at a lower intensity.

Kayak Paddling Basics Try your hand at kayaking. Learn paddling techniques, safety and gear selection. This is an American Canoe Associationcertified instructional program. RP9171.1011

Classes: 10No class 10/6, 11/3, 11/24, 12/1

RP3595.101Kiwanis-Wallas HallSep 139-10amTu,Th$85 RP3595.102Kiwanis-Wallas HallOct 259-10amTu,Th$85

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Fitness & Health 13 Encore Adventures • Info: Matt Medicus, 410-313-1769 mmedicus@howardcountymd.govor

Centennial Pk South Sep 20 9:30am-noon Tu $30

Intro to Target Archery Learn the basics of archery including equipment, safety and elements of shooting with a USA Archery-certified instructor. Classes: RP9171.1031

for Life with Lori Nowicki,

Are

Classes: RP3514.101Belmont10 Sep 89:30-10:30amTh$89

Medicare OctoberBeginsENROLLMENTOPEN15

Reaping the mind-body benefits of Tai Chi is important to members of the East Columbia 50+ Center. “Our Tai Chi has reached beyond amazing classes and community exhibitions,” says Director Meridy McCague. “The group also travelled to China to participate in international competitions.”

After her husband passed away, Rose Woo found comfort in the knitting groups, shared meals and bingo at the Bain and East Columbia 50+ Centers.

Florence Bain passed away in 1987 at the age of 101, but her legacy lives on in the center she helped create and the fact she never believed old age alone should halt a full and productive life. Learn more about the activities, resources and services offered at Howard County’s 50+ Centers online at www.howardcountymd.gov/50pluscenters.

14 Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON

As we celebrate National Senior Center Month, we recognize all the incredible staff, programs and support that Howard County 50+ Centers provide to our community. We are working to become the best Age-Friendly Community we can be, and we know how vital our 50+ Centers are to the well-being and quality of life of our residents. These community hubs offer support in nutrition, health and wellness, social participation, volunteer work, finances, and the arts. Our 50+ Centers are the key to staying engaged as you age. Currently, five of the centers offer fully-equipped fitness rooms: Bain, Elkridge, Ellicott City, Glenwood, and North Laurel. With construction underway at the East Columbia 50+ Center, there will be a sixth location to connect with friends and neighbors. The long-awaited 29,600-square-foot facility will greatly expand programs and services for the East Columbia community, with more space to support meal programs, events, and community meetings, as well as technology for distance learning, new programs in art, fitness rooms and lounge space. This state-ofthe-art location reaffirms the county's continued investment in our older adult residents, and we look forward to welcoming everyone to this impressive new facility when it opens next year. Ready to explore more? Whether you decide to participate in person, or choose to connect online, the 50+ Center team members will be ready with a broad spectrum of information, diverse programming and helpful resources. For more information, visit www.howardcountymd.gov/50pluscenters.

Florence Bain was well past her 70th birthday when she moved to the new town of Columbia and realized that architects had not included spaces for older adults to gather in their plans. Mrs. Bain convinced Columbia developer James W. Rouse to set aside land to construct the community's first senior center, which was named in her honor when it opened in 1983. Today, the Bain 50+ Center is one of six centers which serve Howard County older adults from many different cultures and backgrounds.

A Message from Howard County Executive Calvin Ball

After relocating from Malaysia six years ago, Yuen Kheng found new ways to stay active at the Glenwood 50+ Center, learning to play pickleball and taking cooking classes. “Pickleball motivates me to exercise and move consistently,” she says. “I love playing at Glenwood because the people here are so friendly and make me feel comfortable.” Opportunities for socialization remain a key factor in the appeal of the county’s 50+ Centers.

Specialized programs like the Arthritis Exercise class at the Elkridge 50+ Center also help those who want to regain range of motion from aging joints or injury.

50+ Centers: Healthy Aging Hubs

“Spending time with new friends helped me through my loss,” she said. “I feel like I belong at the Bain Center,” says Terrie McGill, another knitting enthusiast. “The support from other members and staff is a beacon of strength for me.” For over 20 years, Al and Mary Bracey have enjoyed Bain’s exercise classes, tap dancing and guitar lessons, as well as the AARP Tax Assistance program. Al shares his love of music by playing his guitar at center events. Sharing meals, music, games and crafting has always attracted older adults to 50+ Centers. With the addition of fully-equipped fitness rooms, exercise consultations and personal training, they have become healthy aging hubs to help members maintain physical strength as well. “The fitness center has enhanced my life since retirement by keeping me healthy,” says Glenwood member Sharon Vecera. “It’s great meeting friends who share these interests.”

Open Enrollment for Medicare’s 2023 health and prescription drug plans runs October 15 to December 7. At that time, Medicare beneficiaries can add, drop or switch plans.  Howard County’s State Health Insurance Program (SHIP) can help you review your Medicare Prescription Drug coverage options. Call 410-313-7392 (VOICE/RELAY) to schedule a remote counseling appointment by phone with a certified SHIP counselor.

A Publication of the Department of Community Resources and Services Volume 12, No. 9 • September 2022

or

Arthritis is one of the most common health conditions in the United States, and a leading cause of disability. According to the CDC, one in four adults have been diagnosed with arthritis, and nearly 26 million are unable to do everyday activities because of joint pain and stiffness. Exercise can relieve these symptoms. Elkridge 50+ Center’s Arthritis Foundation Exercise Class helps participants improve strength, flexibility and balance with gentle range-of-motion movements that are easy on the joints. “It has improved my flexibility and balance,” said member Kate Hale. Others find the class increases endurance and helps regain movement lost to injury. For more information, call 410-313-5192 (voice/relay). Information: Tessa Hurd, 410-313-7311 thurd@howardcountymd.gov. MD

Bain’s Grand Reopening Celebration

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! 15The 50+ Connection The 50+ Connection is published monthly by the Howard County Office on Aging and Independence. This publication is available in alternate formats upon request. To join the subscriber list, go to https://bit.ly/HoCosubscribe. 9830 Patuxent Woods Drive, Columbia, MD 21046 410-313-6410 (VOICE/RELAY) • www.howardcountymd.gov/aging Find Us on Facebook • Instagram • Twitter: @HoCoCommunity Kim Higdon Henry, Editor • EMAIL: kahenry@howardcountymd.gov Advertising contained in the Beacon is not endorsed by the Office on Aging and Independence or by the publisher. September Center Events Floral Bag Painting GLENWOOD 50+ CENTER Tuesday, September 13 • 1:00 p.m. Join members of the Howard County Garden Club for a workshop using paint, bubble wrap and other provided supplies to decorate a canvas tote bag. Cost: $15. Register at 410-313-5440. Free Health Screenings

It’s yoga month! Learn about the yogic concept of the seven chakras or energy centers through movement and mindful moments. FREE. Bring your own mat. Register at 410-313-5192.

NORTH LAUREL

ELLICOTT CITY 50+ CENTER Friday, September 23 • 11:00 a.m. Manage your health and take charge of your well-being with Humana’s tools and resources to help maintain and improve your health at any age. FREE; presented by Clifton Gadsden. Register at 410-313-1400.

ELKRIDGE 50+ CENTER Friday, September 23 • 11:00 a.m. to noon

Wednesday,

Brain Boot Camp

EAST COLUMBIA 50+ CENTER Wednesday, September 21 • 11:00 a.m. Join us for this global initiative to spread kindness through handmade cards. Supplies provided – just bring your creativity! Register at 410-313-7680.

50+ CENTER

21045 Recreation & Parks WWW.HOWARDCOUNTYMD.GOV/ENCORESHOWCASE ADMISSIONFREE

SEPTEMBER IS NATIONAL EMERGENCY PREPAREDNESS MONTH, a reminder for all of us to take steps to prepare for emergencies from fires and floods to potential terrorist attacks. By making an emergency plan that fits your family’s needs, everyone can be better prepared. Visit ready.gov/plan for commonsense measures older adults can take to start preparing for emergencies before they happen. For local information, visit ReadyHoCo.org.

BAIN 50+ CENTER Wednesday, September 28 • 10 a.m. to 3 p.m. Try one of our free demo exercise classes, enjoy a catered lunch and music, plus plenty of fun, free programs and giveaways throughout the day. Sign up in advance at the front desk for all activities or call 410-313-7213.

Chakra Yoga Class

Blandair Croquet Lawn 5685 Oakland Mills Road Columbia,

September 14 • 9:00 a.m. to noon Receive a complimentary health screening (manual blood pressure, stroke risk assessment and body mass index calculation) with Andrea Bendig, MSN, BSN, RN, CM, DN. Sign-up at the front desk. Cards for Kindness

ARTHRITIS AFFECTS ONE IN FOUR ADULTS OCTOBER 4, 2022 • 11AM 2PM BLANDAIR REGIONAL PARK CROQUET LAWN SHOWCASE • Participate in free art class demonstrations! • Come dressed to move and get motivated with a free fitness class! • Try your hand at archery! • Learn some new moves with our dance classes! • Free giveaways and light refreshments. • Rain date: 10/6

With hundreds of individual stocks held in a direct indexing portfolio, there are extensive opportunities for tax loss harvesting — the practice of selling a security at a loss to offset capital gains. Even in up markets, individual stocks can have bouts of poor performance. Direct indexing portfolios can take full advantage, harvesting losses in underperforming stocks even as the market as a whole is up. This can mean 1% or more in additional after-tax returns, according to recent research from Vanguard.

Prime, monthly subscription fees can add up. See how to save on page 21.

It’s definitely not likely you’ll hit big in the lottery. But if you win, you could be happy for years to come — no matter what the naysayers tell you. Here are some things to remember before you buy a ticket: Your chances of winning big are itty bitty You’re more likely to get elected to Congress than to strike it rich in the lottery. According to Powerball, the odds of winning any prize are about one in 25, but the chances of winning the big money jackpot are less than one in 292 million. With Mega Millions, the odds are even worse: less than one in 302 million for the jackpot. Still, the allure of a multimilliondollar jackpot tempts. Who hasn’t fantasized about how they’d spend the money? Lottery scams abound Sadly, you’re way more likely to lose to a lottery scammer than you are to win a jackpot. According to FBI statistics, more than 8,500 victims lost a total of more than $61 million to scams involving lotteries, sweepstakes and inheritances in 2020.

16 Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON Money Law &

Lottery winners need financial professionals If you do beat the crazy odds and hit it big, take your time cashing in your ticket until you’re ready. Lotteries give you a few months, and it’s not a bad idea to use at least some of that time to prepare. Take a picture of your ticket stub, put it somewhere safe and start assembling your financial dream team. No, your cousin’s brother’s tax guy won’t suffice. If you’ve won serious money, start out right by lining up an array of experts in handling large sums of money. Consider hiring an investment adviser, estate-planning lawyer, certified public accountant and a certified financial planner or private banker. You might even consult an insurance expert. Lump sum or annuity? Large jackpot prizes usually offer a choice between collecting your winnings as a lump sum (minus taxes) or receiving disbursements over 20 years or more (30

See LOTTERY, page 18

From 1995 to 2018, the most recent period studied, an investor using a direct indexing strategy to track the S&P 500 would have seen their $100,000 initial investment grow to about $630,000 after accounting for taxes. That’s $101,000 more than they otherwise would have had.

By holding securities in their own accounts, investors are free to customize portfolios as they see fit. Such customization is not possible in a fund, as each investor has exposure to the same set of underlying securities as every other shareholder.

Direct indexing portfolios can tilt toward ESG factors, or exclude securities that do not align with an investor’s values. Because this can be done at the individual account level, investors don’t need to compromise on their values when building theirAdditionally,portfolio. holding individual stocks allows shareholders to participate directly in proxy voting, another source of control forPersonalizationinvestors. affords another important benefit: better behavior. It’s often easier to not overreact in a down market and stick to a savings plan when your investments reflect your values. Too much personalization, however, can cause direct index performance to deviate

See DIRECT INDEXING, page 17

Plus, as we mentioned, scammers are ubiquitous and taxes have to be paid. But a study by the National Bureau of Economic Research suggests that overall, people who win big money are likely to hold onto their wealth for years, and to be both happier and more financially secure over the long run.

Direct indexing is an investment strategy where an investor holds individual stocks that make up an index in their own account directly, instead of using a mutual fund or ETF to track the underlying index. Similar to an index fund, the goal is to track the performance of a target benchmark index. However, when an investor holds the individual securities directly in their account, it allows for more personalization and the potential for greater tax benefits.

Netflix

By Elaine Silvestrini

“If you pay,” the Federal Trade Commission warns, “you’ll lose your money and find out there is no prize.”

Direct indexing has been the core of many high-net-worth clients’ strategies for decades. It’s no surprise, given its unique benefits, particularly around taxes. Offered mostly through financial advisers, investment minimums for direct indexing are often $250,000 or more. However, no-commission trading and fractional shares have made the strategy more broadly accessible, with minimums at or below $5,000 in some cases.

In these scams, victims are typically contacted about winning lotteries or sweepstakes they never entered. Scammers say that to collect your prize or increase your chances of winning, you must pay fees, taxes or even customs charges or provide personal financial information.

Adding fame to fortune might not sound so bad, but public awareness of your luck could make you a target of scammers or people looking for handouts. You might be amazed by how many “cousins” you suddenlySomehave.good news for jackpot winners is that new laws are being passed in some states to provide some privacy. According to Powerball, Maryland, Virginia and 14 other states offer winners a measure of anonymity.Someof these states limit the protections to people who have won more than a certain amount. (For example, winners in Arizona must have won at least $100,000 to have their identities protected, while winners in West Virginia must have won at least $1 million.)

Given its benefits, direct indexing is expected to continue to outpace ETF and mutual fund growth over the coming years, according to a recent Cerulli report. Here’s what you need to know about this growing investment method: What is direct indexing?

Winning the lottery isn’t always a nightmare You’ve probably heard plenty of stories about people who won big in the lottery and died penniless. And to be sure, this has happened. Some people’s unbelievable good luck was canceled out by subsequent, really bad luck.

A separate study looked at historical returns over the last century and found that direct indexing added 1.08% annually in after-tax returns.

From to Amazon

What to do if you win the lottery jackpot

Everyone finds out who won the lottery (usually) Information about big lottery winners is frequently made public in many states, so your chances of joining the anonymous rich are even lower than winning.

A new investment strategy to consider

By Adam Grealish Recently, direct indexing, a lesser-known investment approach, has started outpacing both ETFs and mutual funds in investor adoption. Direct indexing offers unique benefits that can’t be replicated in a traditional ETF or mutual fund structure, particularly around personalization and tax management.

Harvest losses; boost returns

The flexibility of direct indexing also allows for portfolios to be built around existing holdings. This becomes particularly important when a portfolio has embedded gains in concentrated positions. In such a case, an investor can diversify around existing positions while managing any potential tax impact from liquidating positions. Easier to reflect your values

What is a savings circle?

It can be an informal gathering with regular monthly contributions and one disbursement or one individual’s request for funding approved by the group. Some savings circles predetermine automatic withdrawals for each member in a particular order.

Gilliam discovered that the social savings circles in these underbanked and underserved communities often have a low

— positively or negatively — from the target index. Every investor has their own tolerance for risk and performance, and investors should be aware that there is a tradeoff between customization and tracking the benchmark index.

One of the main advantages of direct indexing is that it can generate additional capital losses. Capital losses are most useful when an investor has capital gains to offset from other investments. For investors with little or no outside capital gains, the tax benefits afforded are more limited.

A savings circle can help you reach goal

By Hal M. Bundrick A breezy January morning made the mid-30 temperatures feel even chillier. But it was an important day for a young man pushing 30 himself. He was about to face his entire family to ask for a loan to seed his new business idea. He had contributed to the family’s savings circle, but he was asking for a withdrawal this time.

One that rocked the world Berry Gordy was 29 that cold Detroit day in 1959 when he faced the family’s pointed questions regarding a $1,000 loan from the Ber-Berry Co-op — named after his parents, Bertha and Berry. After a lengthy discussion, the group voted to give him $800. And with that seed money, Motown Records was born.

“This lady walks up to my window, wanting to immigrate to the United States to start a business. She was going to start a dry cleaner, if I remember correctly.”

David Ellis, a digital media curator at the Motown Museum in Detroit, said Gordy’s parents created the savings effort to help seed family business ideas. Each family member, including spouses, contributed $10 monthly to the fund.

Additionally, direct indexing has more moving parts than a portfolio that uses funds. Holding individual securities and trading them for tax loss harvesting means more transactions to account for at tax time. Direct indexing strategies are growing faster than other investment vehicles. And for good reason, as the strategy offers benefits that are difficult or impossible to replicate using a fund. Recent innovations, like fractional share trading, have lowered the barrier to entry for direct indexing portfolios. A once rarified investment strategy is now poised for broader adoption, and with it, the potential to generate better outcomes for many investors.

A savings circle is a group of family members or friends who regularly contribute to a collective fund. Members gain access to a share of the proceeds on a rotating basis or as needs arise. A savings circle can also be called a money pool. Or flip the benefit, and it’s known as a lending circle. The practice carries many names worldwide and among American immigrant communities, including “tanda,” “sou-sou” or “tontine.”

See SAVINGS, page 18 Maryland Accessible Telecommunications (MAT) MAT ••• •••

© 2022 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Is it right for you?

Direct indexing From page 16 HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Law & Money 17

The woman, a street vendor, had six figures of cash in a savings account.

“The funniest part is the interest that Berry Gordy had to pay. They were family, but they were still very professional people,” Ellis added. Unlike many traditional family and friends savings circles, Gordy had to repay the loan and would be charged 6% interest if he didn’t pay off the note within one year. Fortunately, repayment wasn’t a problem. Motown Records became a music institution, and Gordy sold the label for $61 million in 1988. A 50% share of the Motown song catalog garnered an additional $132 million for Gordy in 1997.

“I remember thinking, ‘OK, this is fraud,’” Gilliam said. But the woman related how she had participated for years in a savings circle with friends in her neighborhood, “and it was finally her turn” to make a withdrawal.“Ilearned how a lot of people around the world are using informal saving and lending traditions — sou-sous, tandas — as a way to build wealth outside of the banking system,” she said.

A chance encounter Right out of grad school, Fonta Gilliam was working as a U.S. foreign service officer in South Korea, “stamping visas at the consulate,” she said.

© 2022 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

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“People are more likely to keep strong financial habits when their peers keep them accountable,” she said. How to start your own If you are looking to start your own savings circle, enlist trusted friends and family — emphasis on “trusted.” In 2020, the Federal Trade Commission issued a consumer alert about pyramid schemes tied to sou-sous.Yourgroup will need to determine the amount and frequency of deposits and the order of individual withdrawals. For example, if 12 members put in $100 per month and distributions occur monthly on a rotating basis for one year, who gets the first $1,200?

A few savings circle apps have been developed in recent years, such as Esusu Savings and MyMAF, which manages lending circles set up through Mission Asset Fund. Later this month, Gilliam and a team of fintech developers in Washington, D.C., are set to release a savings circle and social banking mobile app called Wellthi. While group savings goals will be shared, funds in Wellthi will be tied to individual digital wallets, linked to a payment card and never commingled. And it all began with that chance encounter when the Korean woman was looking to start a business in America.

“It really kind of changed my life, to be honest. And I had almost denied that woman a visa,” Gilliam said. AP/NerdWallet

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default rate. The social factor is key.

There are pluses and minuses to each. A lump sum, if properly invested, will grow in value. If you’re a smart money person, the jackpot could grow a lot. An annuity, on the other hand, can protect you against any problems you might have with self-control. Even if you blow through all the money you receive one year, you’ll get another payment the following year. Unless you sell your future payments at a discount or get a loan against them (don’t do that), the funds will keep rolling in as long as the annuity continues. Give, but be a smart giver It’s tempting to hand out wads of cash, but that kind of charity can wreak havoc on relationships and your bank account. At the same time, hoarding your big win like Scrooge McDuck might also not be good in the long run. Setting up a trust or family foundation can simplify the giving process. Your advisers can help you set up donations of taxsmart assets.

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It’s an important consideration, because early withdrawals are essentially zero-interest loans, while later distributions are effectively interest-free savings plans.

Lottery From page 16

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Savings From page 17 18 Law & Money | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON years for Mega Millions.)

WESTERN UNION SCAM REFUND Refunds are still available to people who were tricked into sending money to scammers through Western Union between 2004 and 2017. If you haven’t filed a claim yet, you now have until Wed., Aug. 31, 2022. For more info, visit https://bit.ly/ftcScamRefund2022 or contact the administrator at 1-855-786-1048.

The race to find mental health treatment can feel like a marathon when you may not have the energy or ability to even make it to the starting line. You may be faced with limited affordable options and a lack of available therapists.

Alma (at helloalma.com) and Headway (Headway.co, not .com) are two additional websites where you can search for providers who accept your health insurance.

Add on some self-care

“The research is clear on the value of mindfulness in terms of promoting mental health,” Roy said. “It’s not about stopping your thoughts; it’s about letting them pass.”

Ask for reduced pricing

While you search for a therapist, or in between appointments, it can be helpful to incorporate mindfulness practices into your day, like meditation, breathing exercises, or even just going for a walk and observing everything around you.

Get help virtually Use of telehealth expanded because of COVID-19, when privacy regulations adjusted to allow more ways for patients to communicate with medical professionals.

—AP/NerdWallet

Your employer may offer an employee assistance program, or EAP, which can connect you, your spouse or partner and your children with various services including short-term counseling. Review your benefits to see what your EAP provides, if you have one. And don’t forget primary care physicians and OB-GYNs. Annual preventative care visits, which are free with insurance, are an opportunity to talk about your mental health. Your doctor might prescribe medication or refer you to other practitioners. Dr. Carlene MacMillan, co-chair of the American Academy of Child and Adolescent Psychiatry Consumer Issues Committee, recommends setting aside time during your routine appointment to talk about your mental health.

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HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Law & Money 19

You can search for in-network providers through your health insurance company, but MacMillan cautions that the information there might be out of date. Double-check with Psychology Today (yes, as in the magazine). Its website has a search tool you can use to find therapists, psychiatrists, treatment centers and support groups. According to MacMillan, the search results from this tool could be more up to date than some insurance databases.

By Sara Rathner

Even now that in-person appointments are back, virtual appointments are still an option that’s especially convenient for anyone who previously had to take off work or pay for a babysitter to attend sessions. Mental health platforms like BetterHelp and Brightside make it possible to communicate with a therapist on a video or phone call, or through text.

Available resources

Find providers who take insurance

“Most places, at least cities, have community mental health centers that offer a sliding scale,” said Nance Roy, chief clinical officer at the Jed Foundation, or JED, a nonprofit with the goal of supporting and protecting mental health for teens and young adults. Open Path is a nonprofit that can help you find affordable care if your annual household income is less than $100,000 and you either lack health insurance or your insurance plan doesn’t offer mental health benefits.

According to the APA’s 2021 COVID-19 Practitioner Survey, 43% of psychologists reported an increase in overall number of patients compared with 2020. At the same time, 41% of psychologists said they couldn’t keep up with demand and 46% felt burned out. Thankfully, there are multiple ways to access care at a variety of price points, including telehealth options.

“If you’re healthy mentally, physically it’s easier to take care of whatever else is going on,” she said.

Getting therapy when cost is a barrier

“Prior to the pandemic, we had an inadequate workforce to meet the mental health demand of the country,” said Vaile Wright, who has a doctorate in counseling psychology and is the senior director of healthcare innovation at the American Psychological Association. “And that has only been exacerbated by the pandemic.”

You can join their mental health collective by paying $59 for a lifetime membership. From there, you’ll be able to access therapy for a per-session fee of $30 to $60 for individual counseling, or $30 to $80 for couples or Hospitalsfamilies.anduniversities in your area may have programs where you can see a clinician in training, who is supervised by a licensed practitioner, for a lower cost. Look for local teaching hospitals or colleges with psychology programs.

Many therapists set aside appointment slots for patients who can’t afford the full hourly rate. Ask therapists in your area if they accept patients on a sliding scale, meaning they lower their rates based on your income. And if you’re open to group therapy, that can cost less than seeing a therapist one-on-one.

You can also look beyond private practices.

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Tracking services can help One way to monitor your costs is through the use of a tracking service. The most popular tracking services found in the C+R study were Mint (30%), TrueBill (10%) and Chase (9%). Mint is a popular tracking service that is available at no cost using an app. Contact support@livemint.com to establish an account. Mint is easily established, and you can use it to track spending, create budgets and obtain an overview of all your finances. You can link all your financial accounts, set up notification and alerts, and obtain free credit scores. You can’t use Mint as a joint account, but multiple family members can establish separate accounts. The service is free to subscribers because Mint receives its income from advertisers on the site.

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Law & Money 21

The Zinger and Zoomer Chairs are personal electric vehicles and are not medical devices nor wheelchairs. They are not intended for medical purposes to provide mobility to persons restricted to a sitting position. They are not covered by Medicare nor Medicaid. © 2022 Journey Health and Lifestyle available in a Joystick

Elliot Raphaelson welcomes your questions and comments at raphelliot@gmail.com.

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Tricks to watch out for Many publishers tell you that you can cancel a subscription at any time, but there are unexpected caveats. For example, recently I tried to cancel a subscription that was automatically extended. Although I was told I could cancel at any time, I learned I would be charged for a complete month because I failed to cancel before the new non-discounted rate ended. A pet peeve of mine is that, when a subscription ends, you automatically are renewed at a rate that is often much higher than the rate a new subscriber would be charged. In that situation, you should contact the publisher and ask for the new-customer rate. In this situation, I have always been able to renew at the rate advertised for new subscribers. A study conducted by C+R Research that analyzed recurring monthly charges for a cross section of individuals found that, although first estimates of monthly costs were $86, actual costs were $219 per month because they had not monitored their costs. The difference added up to approximately $1,600 a year. Seventy-four percent of the study group indicated that they had forgotten about many monthly recurring subscription charges. Forty-two percent realized that many of the recurring costs were for services they were no longer using. Thirty percent of the subscriptions that were forgotten were for internet services; 22% for TV/movie streaming; 16% for Amazon Prime. Auto-pay is convenient, but if you find that many of your monthly recurring payments are unnecessary, you should limit auto-pay to services you know you want continued on a long-term basis.

My advice is simple: When you start a discounted subscription, make an entry on your calendar of the date you want to cancel a subscription.

© 2022 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

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By Elliot Raphaelson Because of inflation, many Americans are looking for ways to reduce their regular expenditures. Unfortunately, many individuals are paying for subscriptions they no longer need — and, in some cases, they’re paying too much for those they do need.

It pays to review your subscription costs

Many, myself included, initially subscribe to a publication or to a streaming or cable TV service because it is offered free or at a discount for a limited time. Then the regular subscription rate kicks in and you’re stuck paying a high rate for a product that might not be worth it. I have been guilty of this myself. Only when I review my credit card bill do I realize I have failed to cancel the subscription when I planned to.

Now

Throughout the ages, there have been many important advances in mobility. Canes, walkers, rollators, and scooters were created to help people with mobility issues get around and retain their independence. Lately, however, there haven’t been any new improvements to these existing products or developments in this field. Until now. Recently, an innovative design engineer who’s developed one of the world’s most popular products created a completely new breakthrough . . . a personal electric vehicle. It’s called the Zinger, and there is nothing out there quite like it.

22 Law & Money | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON Keynote Speaker: John Kelly Washington Post columnist eaker: ost For more info, visit beacon50expo.com At Both Locations: Exhibitors and Resources Keynote Speaker • Health Screenings Flu Shots • Giveaways • Door Prizes Springfield, Va. Sunday, October 23 Noon to 4 p.m. Springfield Town Center Silver Spring, Md. Sunday, October 30 Noon to 4 p.m. Margaret Schweinhaut Senior Center LOCATIONNEW Joseph/MarvinbyPhoto PostWashingtonThe To sponsor, exhibit or volunteer, please call (301) 949-9766 or email info@theBeaconNewspapers.com person!backWe'rein SILVER SPONSORS:GOLD SPONSORS: BRONZE SPONSORS: White Oak Medical Center

Travel Travel

The author, who recently celebrated his 80th birthday, took a guided mountain bike ride down the rocky Switzerland Trail outside Boulder.

Leisure

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! 23

Wildlife and kayaks at Grand Lake After two nights in Boulder, we drove through Rocky Mountain National Park via the Trail Ridge Road. This nationally designated “All American Road” is spectacular as it climbs through thick forest to alpine tundra above tree line to an elevation of over 12,000 feet before it heads downward on the other side of the pass, approaching the town of Grand Lake.

Winter Park wonders On our way to Winter Park, our final destination, we took a short side trip to the best hike of the trip, a four-mile loop around Monarch Lake. The lake, a deep blue gem, is surrounded by thick forest and snowcapped peaks and nothing else. Except for the other hikers on the trail, plus some fishermen, families and paddlers, it felt like a true wilderness experience. The trail is rated as easy, but the rocks and stream crossings made it a bit more challenging for my 80-year-old body. We only spent a day in Winter Park, just enough time for a hike along the Fraser River Trail, which runs through town and parallels the main highway. It’s easily accessible, groomed and mostly flat with some gentle rises. From the trail you can see snow-capped mountains in the distance, and the burbling water masks the traffic sounds from the road a couple of hundred yards away. Along the trail are benches, picnic tables and interpretive signs describing the birds, flowers and other flora and fauna you can observe along the way. Before heading back to the airport on our final day, we visited Headwaters Rivers Journey, an excellent museum that makes it clear that Colorado is not just about mountains, but water too. Rivers, lakes and reservoirs support the

There we continued the active pace set in Boulder, including two easy, close-by hikes (the Coyote Valley Trail and the hike to Adams Falls) and a two-hour kayak that started on Grand Lake and continued through a narrow channel into the adjoining Shadow Lake. While Grand Lake is ringed with grand homes, Shadow Lake feels wilder. There are some structures on the lake, plus a road running between the two Lakes. But the further we paddled, the more untamed it felt. We also took a slow boat tour around Grand Lake and ate dinner one night at the historic Grand Lake Lodge, which offers rustic but upscale cabins, fine dining, and spectacular views of Grand and Shadow Lakes from its location several hundred feet above the lakes. While we were eating, a bear toured the grounds — to the delight of the guests and my wife, who leaped to their feet and ran to the windows to squeal and take pictures. True to form, I instead opted to continue eating my meal before it got cold.

Leisure &

We’re high on Rocky Mountain grandeur

Most notable was a downhill mountain bike ride on the Switzerland Trail. The trail is probably a piece of cake for experienced mountain bikers, but for novices like me, it took considerable effort and concentration to avoid rocks and keep upright. Terror helped me focus on the task at hand. Once I got the hang of it, though, it was exhilarating, especially when the guide told me that I was the oldest person he had ever guided on the trail. (I turned 80 this year.) I’m sure the scenery was stunning, but to be honest I rarely took my eyes off the trail. While I was clenching and sweating, Katherine tried “goat yoga” at Growing Gardens, a nonprofit that runs programs in sustainable urban agriculture. After an hour of exercising with free-range goats, she reported, “They are sort of like dogs, but they don’t show any affection.”

It’s easy to find peace and quiet in Rocky Mountain National Park, just 90 minutes north of Boulder. It’s also easy to find great restaurants in Boulder’s entertainment district.

Hike, then get pampered, walking from inn to inn in Vermont. See story on page 24.

By Don Mankin The first time I drove to California from the East Coast, trying to escape a run of bad luck in love, life and career in my mid20s, the Rocky Mountains loomed from the prairie, welcoming me to a new life. This past June, I had the opportunity to immerse myself once again in the grandeur of the Rocky Mountains on a road trip with my wife, Katherine. We looped from Denver through Boulder, Grand Lake and Winter Park before ending a week later back at the airport. Options for outdoor exertion Boulder, Colorado, at 5,300 feet, gave us an opportunity to adjust gradually to the altitudes of the Rockies. Boulder has a smalltown feel with big-city amenities, especially its excellent restaurants, many of them clustered in the downtown area on or near the Pearl Street Mall, the spine of the food and entertainment district. But what Boulder is really about, aside from a major university and an exploding tech sector, is fitness and outdoor recreation. The town offers a wide range of sweat-inducing, muscle-burning, lungbusting outdoor activities. In our day and a half in Boulder I had the opportunity to indulge in a couple of these activities.

MANKINDONOFCOURTESYPHOTO See COLORADO, page 24

Don and Katherine were hosted on this trip by Visit Boulder, The Convention and Visitors Bureau, and the Grand County Colorado Tourism Board. For more photos, suggestions for places to eat and stay, and things to do, check out Don’s blog at press/rocky-mountain-high.adventuretransformations.com/word-

Like millions of older Americans, I struggle with mobility. For years, I watched my quality of life slip away, as I was forced to stay home while friends and family took part in activities I’d once enjoyed. I thought I’d made some progress when I got a mobility scooter, but then I realized how hard it was to transport. Taking it apart and putting it back together was like doing a jigsaw puzzle. Once I had it disassembled, I had to try to put all of the pieces in the trunk of a car, go to wherever I was going, and repeat the process in reverse. Travel scooters were easier to transport, but they were uncomfortable and scary to drive, I always felt like I was ready to tip over. Then I found the So LiteTM Scooter. Now there’s nothing that can hold me back. Years of work by innovative engineers have resulted in a scooter that’s designed with seniors in mind. They created Electronic Stability Control (ESC) that makes it virtually impossible to tip over. If you try to turn too quickly, the scooter automatically slows down to prevent it from tipping over. The battery provides powerful energy at a fraction of the weight of most batteries. With its rugged yet lightweight aluminum frame, the So LiteTM Scooter is the most portable scooter ever—but it can hold up to 275 pounds—yet weighs only 40.8 pounds without the battery! What’s more, it easily folds up for storage in a car seat, trunk or even on an airplane. It folds in seconds without tools and is safe and reliable. Best of all, it’s designed with your safety in mind, from the newest technology and superior craftsmanship. Why spend another day letting your lack of mobility ruin your quality of life? Call now and find out how you can get a So LiteTM Scooter of your very own. Call now Toll-Free

Please1-888-410-1279mentioncode601350whenordering. 85681 ALL-NEW mobility technology Introducing the world’s lightest mobility scooter with anti-tip technology The So LiteTM Scooter is easy to transport and almost impossible to tip over. Exclusive Electronic Stability Control helps prevent tipping FREE 2 Carry-all bags (a $38.90 value) © 2022 Journey Health and Lifestyle Why a So LiteTM Scooter is better: • LatestTechnology“No-Tip” • Lightweightyetdurable • Folds and locks in seconds • Easier to operate Scooter See INN HIKING, page 25

Four historic inns Our loop began with a great night’s rest in Chester. Each day we traipsed to towns reminiscent of a Hallmark Movie set: Proctorsville, Ludlow, Weston. Our journey completed back in Chester, where my Jeep was parked, awaiting our return. Our accommodations were as unique and charming as Vermont inns tend to be. While the decor differed from classic country style to ornate Victorian opulence, every inn had comfy beds, delicious meals and charming innkeepers. Julie-Lynn Wood, proprietor of the Golden Stage Inn, served us warm berry muffins and ginger scones. Our adventure on the Vermont Inn to Inn Walking Tour was challenging and self-satisfying. We enjoyed our time at each inn and tackled each day’s hike with vigor — and some minor aches and pains. Tour companies can help Personally, I am all in for an adventurous trip. However, I can pass on overnighting in a hammock or storing my food in a bear canister. When someone else can lug my suitcase, it is a wonderful “have your cake and eat it too” moment. Besides, planning a multi-day hiking trip can have lots of moving parts, as accommodations and meals shift every day. A professional tour provider can save you time, effort and headaches.

Inn-to-inn hiking gains a foothold in U.S.

By Sandi Barrett While the Appalachian Trail and the Pacific Crest Trail are popular hiking trips for the seasoned trekker, many travelers prefer a soft, cozy bed and a home-cooked meal at the end of a long day of walking. Multi-day walking trips offering these comforts are popping up across the country. Popular throughout Europe, curated backcountry tours are a kinder, gentler way to explore and still enjoy a good night’s sleep.

Colorado From page 23

plants, flush the toilets, and slake the thirst of most of the American Southwest and California — another reason to appreciate the beauty of the Rocky Mountains and the life-giving waters that flow from its peaks.

I recently completed a four-day, 44-mile inn-to-inn hike through Vermont’s beautiful Green Mountains. Joining me on the journey were two friends: a 70-year-old retired professor and a 60-year-old software engineer. I landed right between them in age and ability. Our hike began with glorious sunshine and a dirt road adventure. Every day, we walked about 10 miles on backcountry roads through evergreen forests and charming small towns. Every night, we stayed in a new inn, whose staff transferred my bags, fed us hearty meals, and provided soft beds. Daily directions to the next inn were a comical scavenger hunt. I searched for red barns, cornerstones and other unusual markings: “Walk 50 feet; you will see a brownish metal gate with colored ribbons. This gate may be locked, but you may pass around it.”

24 Leisure & Travel | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON

Discover Great Senior Living at our Affordable Community

A factory tour is perhaps the most underrated sort of attraction in the U.S. When I first started writing about factory tours, I highlighted them as the “best free attractions you could find,” but liability and staffing issues have forced many to startStill,charging.thechance to see exactly how some favorite item is made can be fascinating. And, fortunately, you can find an interesting tour just about anywhere you visit in the U.S. Time was, several good books covered factory tours in detail, but those days are gone. Instead, a former book publisher maintains a reasonably current online database at factorytoursusa.com. You can search either by state or by category. Among the more than 50 defined categories, food and drink makers dominate the list of 553 individual tours. Breweries, candy makers, and food growers and processors contribute 162 tours — about a third of the total. No other categories include more than 20 tours, but quite a few list 10 or more. Even among the more limited categories, however, you’ll find something for just about everyone in your travel group. Tours to whet your appetite Among the tours you might find most interesting: Automobile factories, including BMW in Spartanburg, South Carolina; Corvette in Bowling Green, Kentucky; Ford Rouge Factory (where the F-150 truck is assembled), Dearborn, Michigan; Hyundai, Montgomery, Alabama; and Subaru, Lafayette, Indiana. Several others in the current list are temporarily closed or suspended. Candy makers, with giant Hershey’s operation more of a theme park than factory tour, but lots of small local outfits around the country offer authentic tours. Coffee roasters, mostly in Hawaii but a few elsewhere, including Roasterie in Kansas City. Cheesemakers, of which the biggest apparently is Tillamook in Tillamook, Oregon, but there are lots of others around the country. Distilleries are somewhat centered in Kentucky or Tennessee with Dickel, Jack Daniel, Maker’s Mark and Wild Turkey, but others are scattered around the country.

Musical Instrument makers include Gibson in Memphis and Moog in Asheville, North Carolina. Sports equipment tours include Louisville Slugger in Louisville. Transportation tours include Union Pacific’s Bailey Yard visitor center in North Platte, Nebraska. Other diverse tours range from America Whistle Company, Columbus, Ohio; Annie Oakley Perfumery, Ligonier, Indiana; and Columbus Washboard Company in Logan, Ohio, through Hoegh Pet Casket Company in Michigan; KitchenAid in Greenville, Ohio; and Levi Strauss in San Francisco, to SC Johnson in Racine, Wisconsin, and Ulu Knives in Anchorage.

Temporary suspensions Unfortunately, some perennially popular tours are currently suspended, including my top choice of Boeing along with Fender Guitars, Harley Davidson, several General Motors plants, Pendleton woolens, Reuger organs, and Steinway pianos. Presumably, most suspensions are only temporary, so keepGeographically,checking. the list includes at least two tours in every state, although the pickings are slim in a few. Oddly, the alphabetical state index omits Louisiana with its popular McIlhenny Tabasco tour in Avery Island, but you can access Louisiana tours by clicking on the map. Overseas, the website inspirock.com lists separate “best 15 factory tours” for France, Germany and the UK. All three lists seem to focus on automotive plants. I haven’t verified those listings but some look promising. Plan well ahead A majority of the top tours require advance planning, with reservations sometimes required weeks or months in advance, available online at most. Many are open only at limited hours and some less than daily. Most now charge admissions. Most impose some minimum age and physical ability limitations for visitors, and several prohibit clothing likely to cause problems or impede movement. All in all, I don’t see any factory tours that meet the Michelin three-star standard of “worth a special journey.” But several meet the two-star “worth a detour” test. The online lists are not exhaustive. If you don’t see something that interests you, Google “factory tours at (company or location).”Mysuggestion is that if you’re at all interested, check out whatever is available in any destination area you plan to visit. And check early enough to make reservations and schedule your tour. Email Ed Perkins at eperkins@mind.net or see his travel website at www.rail-guru.com. © 2022 Ed Perkins. Distributed by Tribune Content Agency, LLC.

Factory

tours abound and are great fun

Inn hiking From page 24

Popular multi-day tour companies like Backroads offer expeditions from easygoing to hard core. They plan everything from accommodations and meals to hiking routes and local sightseeing. From Yosemite to Acadia and the glaciers to the Blue Ridge Mountains, walking tours span the globe, which can make choosing your next foot-friendly explorationPerhapsdifficult.the oldest trail in Europe is the Camino de Santiago, a tangle of trail networks that weave across the Iberian Peninsula through France, Spain and Portugal. A variety of hotels dot the pilgrimage path, ranging from inexpensive albergues (hostels) to comfortable hotels. If you book a trip with a tour company, they will do all the planning for you and will transport your luggage.

Reasons to hike on vacation Immersion into Mother Nature’s green wilderness is wonderful for the soul. The rhythm of footfall after footfall affords you time to think. There is no phone grabbing your attention; it is all you — moving through time, testing your limits. Exploring a road less traveled that offers peace and quiet while rhythmically working your muscles brings a satisfying self-awareness and appreciation of the earth we love. If you go The closest airport is Rutland Southern Vermont Regional Airport, which connects to Logan International Airport in Boston. Flights from DCA to Rutland start at $359 on Jet Blue. To explore the Green Mountains on foot, I recommend the Vermont Inn to Inn Walking Tour, (833) 466-2466. For the Camino de Santiago, book a tour like “Walking the Camino de Santiago” from Explore. The closest airport is Madrid-Barajas Adolfo Suárez Airport. Round-trip flights from here to Madrid start at $526 on Delta Airlines in BackroadsSeptember.offersa variety of tours to explore the U.S. and abroad. Visit backroads.com. Sandi Barrett is a freelance writer exploring the Americas and Europe and seeking out interesting adventures and oddities, exceptional local cuisine, and fun libations. You can follow her travels on Instagram @Travel_With_Sandi. 550 Shriner Court Union Bridge, MD 21791 www.qpmgmt.com410-775-2940

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Leisure & Travel 25

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By Ed Perkins

The Greens at Liberty Road: 410-655-1100

Ensure that you’re insured For years I blithely traipsed around the world, not thinking about what might happen if I got sick or injured far from home. Then my father suffered a stroke while visiting his sister in Florida. The medical evacuation flight to get him back to his home in Washington state, with the required attendant and other necessary medical care, would have cost over $100,000.Sadly, he never recovered enough to make such a flight. But I realized how vulnerable I’d been, especially traveling in places with poor medical care. Now I make sure that whenever we’re away from home, we have travel insurance that includes medical evacuation. If we’re traveling outside the U.S., I ensure we have health insurance coverage as well. These days, travelers also have to worry about COVID-19. Although the U.S. has dropped its requirement that incoming travelers produce a negative COVID-19 test, the Centers for Disease Control and Prevention advises against traveling if you have symptoms or test positive. That could mean a week or two of unexpected hotel and meal costs, so I make sure our travel insurance covers COVIDrelated expenses and that the “travel delay” portion has a high limit — such as $250 per person per day. Other things can go wrong on a trip: flight delays and cancellations, lost baggage, accidents in rental cars. I charge all of our travel on credit cards that provide coverage for such minor disasters.

Beware third-party booking sites Many credit cards offer general travel rewards that you can transfer to the issuer’s airline and hotel partners. But some credit card companies also offer their own travel portals. These function a lot like online travel agencies such as Expedia and Orbitz, allowing you to search among various travel providers and then book using your points. I don’t typically use online travel agencies, because I think I get better customer service by booking directly. But earlier this year I decided to give the travel portal option a whirl — and lived to regretTheit. flight I booked from Los Angeles to Vienna with my credit card points had a stopover in Istanbul. A few weeks after booking, I got an email that the leg from Istanbul to Vienna was canceled. I logged on to the airline’s site, expecting to be offered options to rebook the canceled leg. Instead, I got a message that my itinerary could not be modified.

BALTIMORE COUNTY Cove Point Apartments I: 410-288-2344 Cove Point Apartments II: 410-288-1660

The Greens at Logan Field: 410-288-2000

The Greens at Hammonds Lane: 410-636-1141 Park View at Furnace Branch: 410-761-4150 Park View at Severna Park: 410-544-3411

BALTIMORE CITY Ednor Apartments I: 410-243-0180

HARFORD COUNTY Park View at Bel Air: 410-893-0064 Park View at Box Hill: 410-515-6115

PRINCE GEORGE’S COUNTY Park View at Bladensburg: 301-699-9785 • 55 & Better Park View at Laurel: 301-490-1526 Park View at Laurel II: 301-490-9730 62 you to

Evergreen Senior Apartments: 410-780-4888

AND BETTER Call the community of interest to

inquire about eligibility requirements and to arrange a personal tour. EnterpriseResidential.orgPET-FRIENDLY

By Liz Weston Almost every trip I take teaches me something about myself, the world, and what not to do next time. Here are three hard-won travel lessons that may help you learn from my mistakes: Cobbling together flights isn’t worth the savings Whenever possible, I book nonstop flights. Nonstops may cost a bit more, but they avoid the inconvenience of layovers and the stress of possibly missing a connection.

When I called the airline, a customer service agent told me I needed to call the credit card company. When I called the credit card company, I was told I needed to talk to the airline. I tried emailing to get the issue resolved, with the same result. Finally, in desperation, I reached out on Twitter. It took a few more rounds of finger-pointing, but eventually I was able to cancel the booking, get my points back — and swear off ever using a travel portal again. AP/NerdWallet

The Greens at Rolling Road: 410-744-9988 Park View at Catonsville: 410-719-9464 Park View at Dundalk: 410-288-5483 • 55 & Better Park View at Fullerton: 410-663-0665 Park View at Miramar Landing: 410-391-8375 Park View at Randallstown: 410-655-5673

BALTIMORE COUNTY (CONT.) Park View at Rosedale: 410-866-1886 Park View at Taylor: 410-663-0363 Park View at Towson: 410-828-7185 Park View at Woodlawn: 410-281-1120

EASTERN SHORE Park View at Easton: 410-770-3070

HOWARD COUNTY Park View at Colonial Landing: 410-796-4399 Park View at Columbia: 410-381-1118 Park View at Ellicott City: 410-203-9501 Park View at Ellicott City II: 410-203-2096 Park View at Emerson: 301-483-3322 Park View at Snowden River: 410-290-0384

The Greens at Irvington Mews: 410-644-4487 Park Heights Place: 410-578-3445 Park View at Ashland Terrace: 410-276-6440 Park View at Coldspring: 410-542-4400

MOST COMMUNITIES ARE

I particularly like the kind of rental car coverage that’s primary, meaning that your auto insurer never needs to know you caused an accident or damaged the rental car. Many cards offer secondary coverage, which typically means your insurer has to be notified and the card pays only what your insurance doesn’t, according to the Insurance Information Institute. This is a lesson I didn’t have to learn the hard way: The one time a rental car agency tried to bill me for a door ding, I notified my credit card company. I have no idea if the claim was paid or dropped; I just know that I didn’t have to deal with it after that.

Ednor Apartments II: 410-243-4301

Sometimes, of course, nonstop flights aren’t available or affordable. What you don’t want to do, I learned through bitter experience, is try to save money by booking flight legs with different, unaffiliated airlines — especially if you’re dealing with luggage or customs.

In 2017, my husband, daughter and I flew to London and then Barcelona, Spain. That part went fine; it was coming back that became a nightmare. The Barcelona-to-London flight was delayed. When we landed at Heathrow Airport in London, we learned we had to pick up our luggage at baggage claim, go through customs, check our bags at another airline’s ticket counter in a different terminal, get through security and sprint to the gate to make our connection — all in about an Somehow,hour. incredibly, we made our flight home, but my heart didn’t stop pounding until we were well over the AtlanticNowOcean.Imake sure to book through a single airline and its partners. Our luggage is checked through to our final destination, and flight delays become the airline’s problem to fix.

26 Leisure & Travel | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON ENTERPRISE RESIDENTIAL

3 travel lessons I wish I’d learned sooner

ANNE ARUNDEL COUNTY

The Greens at English Consul: 410-789-3000

DECEMBER 18, 2022, 3 PM – “A CHRISTMAS NOËL” with the CPC CHAMBER SINGERS Christ Episcopal Church, 9600 Oakland Mills Rd., Columbia MARCH 12, 2023, 4 PM – “IN NATURE’S REALM”

The nonprofit Candlelight Concert Society has been bringing professional musicians to Columbia since 1972. For its upcoming 50th anniversary season, concerts will feature world-class pianists and chamber music, starting with the Knights Chamber Orchestra on Sunday, Sept. 11 at Howard Community College’s Smith Theatre. Ticket holders are invited to a free champaign and chocolate toast following the performance.

First Evangelical Lutheran Church, 3604 Chatham Rd., Ellicott City

ProColumbiaCantare 46th Season Concerts

By Ana Preger Hart Almost five decades ago, a music teacher living in the newly established city of Columbia spotted an ad in the local paper.“In the fall of 1974, I saw a small notice in the Columbia Flier saying anybody who would like to see chamber music continue in Howard County, please come to an organizing meeting,” said Philip Press.

“The mission has been the same over all these years. Details have changed, but we are still dedicated to bringing the finest in chamber music and performing arts to Howard County,” said Press, who now serves as Candlelight’s director emeritus.

The Jerusalem Quartet is one of nine special concerts in Columbia this year. Read more below. CANDLELIGHT, page 29

After a brief stint under the umbrella of the Columbia Association, Candlelight became a 501(c)(3) nonprofit organization.

“And that was the genesis of what became, a few months later, the Candlelight Concert Society of Howard County,” said Press, its co-founder. Norman Winkler, who posted the notice, would become Candlelight’s first president. The organization that started in Press’ dining room grew into a world-class institution that is celebrating its 50th anniversary season in 2022-23.

“My name is on the articles of incorporation, which I’m very proud of,” said Press, original treasurer of 17 years and subsequent two-term president. Press and the Winklers, along with several other members of the board of directors, primarily ran the organization in the beginning.Earlyon, one of the hurdles they encountered was the lack of a concert-quality piano in Howard County. The two men took a personal loan with The Columbia Bank and purchased a Steinway grand piano.“We were on the hook,” Press said with a chuckle, “but we did pay it back on time,” with the help of grants from the Columbia Foundation, which is now the Community Foundation of Howard County, and the Howard County Arts Council.

DECEMBER 4, 2022, 7:30 PM – HANDEL: MESSIAH Jim Rouse Theatre, 5640 Trumpeter Rd., Columbia

See

Candlelight Society celebrates 50 years

From small concerts to Yo-Yo Ma Candlelight’s very first season, a series of five concerts at Glenelg Country School and Wilde Lake High School, was organized by three local music teachers looking for ways to bring music to Columbia. When the teachers no longer had time to keep the concerts running, community volunteers, including Press, Winkler, and his wife, Nancy Winkler, stepped in.

A few decades later, the society was hosting performances by esteemed pianists like Richard Goode and Billy Taylor, as well as other famous musicians such as Yo-Yo Ma.

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! 27

Arts & Style

DATE WNO ATON S GE Based onthehitmotionpicturestarring PatrickSway Order 2 for ticke WhoopiGandze,DemiMoore online at TobysDinn e W ON SNOSeason Su b023 ts call 10-730-83114 wsall shotrical bookings,ture of theao the naDue t oldberg! ALE!rTheatre.comscriptions or visit o changet tjecs are subateand d

Information & www.procantare.orgTickets:

SOCIETYCONCERTCANDLELIGHTTHEOFCOURTESYPHOTO

OCTOBER 22, 2022, 8 PM - MENDELSSOHN AND BACH

First Evangelical Lutheran Church, 3604 Chatham Rd., Ellicott City MAY 6, 2023, 8 PM –“A CELEBRATION OF CHORUS AND BRASS” Jim Rouse Theatre, 5640 Trumpeter Rd., Columbia SAVE THE

“I always told myself that we would never move our mission unless it was [to a spot] on a bus route — because we were not on one [originally], and it was a hardship for our clients,” Kendall said.

“I was clothed in confidence by Success In Style,” Dempsey wrote. “You are uniquely positioned to provide a stylish entry for men and women who still possess the will to aspire.”

In 2013, Success In Style opened Cherie Sustainable Bridal to sell discounted wedding dresses. The inventory comes from individual donations as well as from traditional bridal shops, who, in some cases, no longer need dresses left unsold at the end of a Customersseason. can find a dress for less than $1,000 — much less than the cost of buying a dress at a bridal shop. While Cherie Sustainable Bridal saves consumers money, it also provides the majority of Success In Style’s revenue.

In February 2012, Success In Style moved their original consultation studio and corporate address from Ellicott City. After the move, Success In Style continued to grow, opening Phil’s Closet to sell men’s clothing. Because Success In Style continues to evolve to meet clients’ needs, they are currently merging Phil’s Closet with Charity’s Closet; the new tagline will be “Pre-loved clothing for all humankind.”

Some are refugees from war-torn countries likeOneAfghanistan.ofNeidorf’s clients, William Dempsey, met with her when seeking a job after having been incarcerated. Dempsey has reached out several times to tell Neidorf of the impact her assistance made.

In 2017, Success In Style opened Charity’s First Picks, selling designer items for $10 or more per item. While growing its stores, Success In Style has also expanded its mission by opening additional client consultation studios, including at the MultiService Center in Laurel, the Woodstock Job Corps Center in Baltimore, the Glen Burnie District Court House, the Woodland Job Corps Center in Anne Arundel County and the Potomac Job Corps in Washington, D.C.

Relying on volunteers To keep their client consultation studios and shops running, Success In Style relies on a handful of employees and a crew of volunteers.VernaByfield, 72, first started volunteering several years ago after having shopped at Charity’s Closet. She now volunteers at the shops and works with clients at the MultiService Center in Laurel. When working at the resale stores, Byfield enjoys customers’ delight when they realize how much they can buy for such little money, and that their purchase supports Success In Style’s mission. Supporting the mission of helping individuals in crisis motivates Byfield to give of her time. “At the end of the day, I feel, even if I’m in the store, that I’m helping somebody,” she said. And Success In Style benefits tremendously from the time offered by their volunteers. “We love our volunteers,” Kendall said. “They are fantastic.” Because many of their volunteers have multiple commitments, the organization is always in search of more. Planning for the future Before the pandemic, Success In Style had accumulated funds for a dream project: a mobile unit that would enable consultants to travel to community centers, churches and other gathering spaces to meet the needs of people where they are. It ended up being fortuitous that they had not invested in the mobile unit when

28 Arts & Style | Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON GAFFE MEETS HEM ALLOT ADMIT ARE BEERANDWINE RAT SEXT OMAR POSSE UPPER CIPHER WINEANDDINE CAREER SIR NEST AGO SKI MCA RIO RENO ING ADPAGE DINEANDDASH BELONG SOILS OPERA IOWA TREE WIT DASHANDDOTS ICU ALLON CUTUP ESP YIELD SEEIN ANSWERS CROSSWORDANSWERSSCRABBLETOTO FROM PAGE 30 Success in Style From page 1 See SUCCESS IN STYLE, page 29

Resale boutiques boost growth Success In Style has been able to serve its clientele, in part, thanks to generous donations of clothing. However, because some of the items the group receives are not suitable for job interviews, that excess clothing started to build up. So, in 2008, Kendall opened a resale boutique called Charity’s Closet, selling items for $5 apiece. The money earned from selling donated clothing set Success In Style on a path toward becoming selfsustaining.Threeyears later, Kendall was invited to move Charity’s Closet from Ellicott City to the historic Savage Mill mall. Once Kendall realized the mall was on a bus route, she also opened a second consultation studio there.

$45 Adult/$10 Student (FREE ticket for youth 9 to 17 with each paying adult) To buy tickets, visit candlelightconcerts.org or call (410) 997-2324. September 11, 2022 • 4 PM The KNIGHTS Chamber Orchestra Opening of 50th Anniversary Season

The first of those will present CanadianAmerican pianist and composer MarcAndré Hamelin, performing Beethoven’s “Hammerklavier” Sonata, Op. 106, on Oct. 29. The evening’s program also offers concertgoers an opportunity to hear the Maryland premiere of one of Hamelin’s ownUzbekcompositions.pianistBehzod Abduraimov returns to Linehan Hall on Jan. 21, 2023 with an evening of masterpieces, including selections from Prokofiev’s “Romeo and Juliet” Suite and Ravel’s “Gaspard de la Nuit.” Abduraimov’s program for Candlelight will also include a rare American performance of “The Wall of Ancient Bukhara,” a work by contemporary Uzbek composer Dilorom Saidaminova.

HOWARD COUNTY BEACON — SEPTEMBER 2022 Makes a great gift! | Arts & Style 29 A Network of ServingDedicatedProfessionalstoOlderAdults Our members enjoy: • Monthly Networking Meetings • Social Gatherings • Directory & AdvertisingWebsite • ProgrammingDevelopmentProfessional To review our complete menu of marketing opportunities, visit cogsmd.org. Prospective members are welcome to attend one meeting as our guest. To register, email info@cogsmd.org.

pianist

And the founder? “Jeannette is a visionary to have little by little built this complicated, ambitious, efficient and sustainable organization,” Neidorf said. “The world would be a better place with more people like her.”

Candlelight From page 27 Success in Style From page 28

At the Smith Theatre | Horowitz Center HCC

Coming pianist Marc-André Hamelin, Jerusalem Quartet, Brentano String Quartet, Behzod

Abduraimov, and more!

COVID-19 started to spread. During lockdown, they were forced to shut down their stores and needed that money to stay afloat.

up:

“What’s also special about this concert — another first in the history of Candlelight — is that we’ve commissioned a new work to celebrate the 50th anniversary, by Vietnamese-American composer Viet Cuong,” Kaplan Lande added. The varied program concludes with Mozart’s Jupiter Symphony.Twoofthe season’s nine concerts will be performed at the UMBC’s Linehan Hall, hailed by Frank Bruni in The New York Times as a “stunning music hall with sumptuous acoustics” and by Tim Smith in the Baltimore Sun as “architecturally and acoustically inviting.”

Tickets:

Kendall and her staff haven’t given up on the idea, though. “There’s an even greater need because people fell on such hard times during the pandemic,” Neidorf said. “We have the ability and skill to serve many more people, [but] getting to them is a hugeSuccesschallenge.”InStyle is currently building back up the funding for a mobile unit through sales at their shops as well as through donations.

“The piano recitals have become very popular at our series because we have an incredible amount of young, inspiring piano students in the area,” Kaplan Lande said.“When we started bringing outstanding pianists [to Candlelight], the recitals were selling out,” she said. Candlelight’s commitment to featuring diverse young musicians is evident through the society’s decades-long partnership with the New York-based Young Concert Artists (YCA) Competition. This season brings together Hanzhi Wang, the first accordionist to ever win First Prize at the YCA Competition, and saxophonist and composer Steven Banks, the first saxophonist to win YCA’s First Prize, to HCC’s Smith Theatre on Feb. 25, 2023. Free concert in December Yet another first for Candlelight this anniversary season is a free-for-all concert on Dec. 11, which will showcase the most promising young musicians from the area. “Our area is so rich with talent,” Kaplan said, “we want to give them the stage. We’ll have a wonderful choir from one of the schools.“Idon’t want to give all the specifics yet — it’s a little bit of a surprise — but it’s going to be a very exciting concert.” Tickets are available at the group’s website. Tickets (except for the free concert Dec. 11) are $45 adult/$10 student, with one youth 9 to 17 admitted free with a paying adult. Groups of 10 or more are $35/person. For a full concert schedule, and to buy tickets, visit candlelightconcerts.org or call (410) 997-2324. Both the Horowitz Center and Linehan Hall are fully accessible with free parking.

Concerts start Sept. 11 Candlelight’s 2022-23 season opens on Sept. 11 in the Smith Theatre at Howard Community College’s Horowitz Center, a venue that Candlelight considers home. That evening, the Knights Chamber Orchestra, formed by brothers Eric and Colin Jacobsen, will perform a new orchestral arrangement of Beethoven’s “Kreutzer Sonata,” originally written for violin and piano.“Itis the first time in the history of Candlelight that we’re bringing a full chamber orchestra from New York,” said Irina Kaplan Lande, Candlelight Concert Society’s artistic director, pianist, and co-founder of The Poulenc Trio.

To learn more about Success In Style, visit successinstyle.org or call (301) 498-5035. You can fill out a volunteer application, donate items or schedule a consultation via the website.

WE BUY ESTATE JEWELRY St. John’s Jewelers is one of Howard County’s most trusted jewelers and is family owned and operated. Certified appraiser for over 35 years is looking to buy your unwanted gold, silver, diamonds and precious metals. Contact us today. 410-465-7770 Wanted Classifieds cont. from p. 31

Performing Beethoven’s ‘Kreutzer Sonata’ and other classical works inspired by it, plus the world-premiere of Candlelight’s first-ever commission. After the show, please join the artists and fellow concertgoers for a FREE chocolate and champagne toast!

In describing the continually-growing organization that has helped more than 15,000 individuals in crisis, Neidorf said, “It’s practically a work of art in its conception.”

Scrabble answers on p. 28. Crossword Puzzle Find a new crossword every day on our website at www.TheBeaconNewspapers.com/puzzles. Answers on page 28. HB922 30 Arts & Style | Subscribe online! See how below SEPTEMBER 2022 — HOWARD COUNTY BEACON 2. On the safe side, at sea 3. Pose for a Mr. Universe picture 4. Prediction from a cookie 5. Prediction from a pilot 6. Winner of four Emmy Awards for best drama 7. Half of all 20th century British kings 8. Leader of Kuwait or Qatar 9. Element with the lowest Scrabble score 10. “It’s a __ the right direction” 11. Opposite of gentle 12. Remove with Photoshop 13. About 39 inches 18. Roadside restriction 23. Golf tournament 25. Letters in a Neverland monogram 26. On a 24-hour cycle 27. Hourly rate 28. Remove wrinkles 29. Make the lighting more romantic 30. Collectable, to Jay Leno 33. Notable times 34. Emotional exhale 35. Low digit 38. What a canine and feline have in common 40. One additional abbreviation 43. Kimchi quality 45. Alternative fuel, subject of a 1981 executive order 47. Late (as a loan payment) 49. When Rome was not built 50. Words before later or then 51. His most played song is Let’s Dance 52. The Odyssey and the Iliad, for example 53. Ease the peddle off the metal 56. Portion of Hawaii 58. Memorization method 59. Sewing case 60. It first broadcast SportsCenter in 1979 63. His autobiography is called The Greatest: My Own Story 64. Direct current, detective comics, and District of Columbia Blotto By Stephen Sherr 1.Across Faux pas 6. Starts a blind date 11. Change a skirt’s length 14. Distribute a budget 15. Come out of denial 16. Where the Wild Things ___ 17. Grocery store aisle in some jurisdictions 19. Unpopular rodent 20. Send suggestive messages 21. Actor Sharif 22. Entourage 24. THIS CASE 26. Coded message 27. Entertain, extravagantly 30. Type of fair for the well-dressed 31. Paul McCartney or Mick Jagger 32. Where a nuthatch hatches 36. “The best time to buy a house is always five years ___” 37. Common ending for Polish surnames 39. Record label that bought Motown in 1988 41. Puerco, Chama, or Grande in New Mexico 42. First female attorney general, Janet 44. Part of reading and ‘riting (but not ‘rthmatic) 46. Revenue generating part of a mag. 48. Leave without paying 51. “Nature and books ___ to the eyes that see them” (Emerson) 54. Defiles 55. Kennedy Center performance 56. Top corn-producing state 57. Forest unit 61. ___ and wisdom 62. “D” in Morse Code 65. Hospital area with extra RNs 66. Put it ___ the line (go for broke) 67. Prepare potatoes to become home fries 68. TV psychic’s power, perhaps 69. Let pedestrians go first 70. Welcome guests at the door 1.DownShares all the gossip 12345 678910 111213 14 15 16 1718 19 20 21 2223 2425 26 272829 30 31 32333435 36 3738 3940 41 4243 4445 4647 484950 515253 54 55 56 57585960 61 626364 65 66 67 68 69 70

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Tuesday, September 27 10:30 – 11:45 A.m. Living well webinar VIA ZOOM: “Healthy Hip & Knee Habits” If you’ve ever experienced knee or hip pain, you know how tentative it makes you feel when attempting simple activities such as crouching or walking down the stairs. Explore common causes of joint pain and the steps you can take to reduce that pain and learn exercises you can do at home to lessen the likelihood of further injury. Sponsored by the Alzheimer’s Association, this confidential group is designed for those caring for someone with Alzheimer’s. Learn techniques and exercises to improve balance and reduce your risk of falls.

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32 Subscribe online! See how on p. 30 SEPTEMBER 2022 — HOWARD COUNTY BEACON Register as indicated below or contact Toni Davis at tdavis@bgf.org with questions.R egisteras indicated below orcont ac t ToniDav isat td av is@bg f.or gw ith quest iono Tind t a org ns .

WELLNESS PROGRAMS & SUPPORT Free. For information, contact Facilitator Laura Rounds at lrounds@bgf.org or 301-260-2300 Six-week Session Fee: $30 Register by September 18 at bit.ly/BGBalance3

Recent scientific studies have shown that mindful meditation changes the brain in astonishing ways—promoting greater focus, reduced anxiety, increased compassion and improved well-being. Experience guided, mindful meditation in your own home via a Zoom connection.