October 2021 | Baltimore Beacon

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More than 125,000 readers throughout Greater Baltimore

The greening of Baltimore City

Last fall, when BTT planted its 10,000th tree, the group chose a plot in Winan’s Meadow in Gwynns Falls-Leakin Park, a 1,200-acre woodland on the city’s west side. Volunteers from Friends of Gwynns Falls-Leakin Park were on hand to help and to celebrate the park they helped save. The group was founded in 1983 as an offshoot of the “Stop the Road” movement, a

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BALTIMORE BEACON — OCTOBER 2021

SPECIAL PULL-OUT SECTION

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Donate to declutter: Where, when and how By Tina Collins While isolated at home this past 18 months, some of us opened closets that had not seen the light of day for years. Faced with time at home and a tsunami of clutter, we cleaned our way through the pandemic. Now, what to do with all the suits no longer suitable, forgotten housewares or books stacked up to the ceiling? Give them away, of course! Starting in the summer of 2020, nonprofits saw a dramatic increase in donations, according to Jonathan Balog, vice president of marketing and Communications at Goodwill Industries of the Chesapeake. Donations are up 25%, an increase that has remained steady at his organization.

nate items that are in “dignity condition” so they can be sold. Goodwill, helping jobseekers since 1902, sells donated items at its stores and puts the revenue toward job training and placement services for local community members in need. Many organizations use the same acceptance criteria as Goodwill. “Our general rule of thumb is we accept gently used goods,” Balog said. Most organizations also have lists of items they don’t accept. For example, Goodwill doesn’t accept tube TVs, mattresses or appliances. What happens to donations not sold in stores? In Goodwill’s case, they are sent to their outlet, where they are sold by the pound. And the final chapter in the life of un-

What donations are wanted? What to donate and what to toss? Do-

See WHERE TO DONATE, page B-3

PHOTO COURTESY OF HABITAT FOR HUMANITY

Saving our largest urban park

PHOTO COURTESY OF BALTIMORE TREE TRUST

By Ashley Stimpson Look out your window. If you see a leafy, mature tree, count yourself lucky. You probably breathe cleaner air, use less energy to cool your home, and enjoy a shady place to relax outdoors. Statistically, you’re less likely to be prescribed antidepressants or experience crime, too. Unfortunately, many residents of Baltimore City don’t see trees outside their homes — too many, according to the Baltimore Tree Trust (BTT), a nonprofit on a mission “to ensure all Baltimoreans have access to the benefits of a healthy environment.” Since the organization’s founding in 2008, when then-Mayor Martin O’Malley pledged to double the city’s tree canopy by 2037, BTT has planted 12,000 trees, completely transforming Baltimore neighborhoods like Oliver, Broadway East and Butchers Hill. In Baltimore, where the need for street trees often outpaces the municipal budget, the nonprofit has been instrumental in keeping the city’s goal within striking distance. To get trees in the ground, BTT often turns to partner organizations to provide volunteers for tree-planting events. Most of those urban gardeners are retirees, said Justin Bowers, the trust’s associate director. “A good majority of the volunteers we work with are in the 55-plus demographic,” Bowers said.

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Habitat for Humanity operates five local ReStores — in Sandtown, Timonium, Halethorpe, Glen Burnie and Dundalk — where your donations help fund their good works. Habitat and other nonprofits may pick up donations at your home for free.

Contact information for donations Salvation Army

ShareBaby

www.sa-md.org To schedule a free pickup: satruck.org The Salvation Army of Central Maryland 814 Light Street, Baltimore, MD 21230 (410) 783-2920 Tax-Deductible: yes

sharebaby.org 1792 Union Ave., Baltimore, MD 21211 (667) 212-3455 Note: diaper donations done through partner agencies Tax deductible: yes Note: Please call ahead of time so someone will be there when you place donation in designated bins.

Goodwill goodwill.org Donation sites include: Goodwill Industries of the Chesapeake, Inc. 222 East Redwood Street, Baltimore, MD 21202 (410) 358-8411 Tax-Deductible: yes

Fairytale Brides on a Shoestring fairytalebrides.org 156 Congressional Lane, Rockville, MD 20852 (301) 468-2000 Tax deductible: yes Note: gowns within five years old

GreenDrop gogreendrop.com info@gogreendrop.com 1-888-944-3767 Tax deductible: yes Note: label which organization out of the groups they serve to direct your donation.

The Priceless Gown Project pricelessgownproject.com (443) 296-2075 Tax deductible: yes Note: gowns within five years old. Call first, as donation locations may be on hold due to COVID.

American Veterans (AMVETS) amvets.org AMVETS National Headquarters 4647 Forbes Blvd., Lanham, MD 20706 (301) 459-9600 Tax Deductible: yes Note: schedule items for free pick-up

Dress for Success Greater Baltimore greaterbaltimore.dressforsuccess.org 250 W. Dickman St., Baltimore MD 21230 (410) 528-1799 Tax deductible: yes Note: Please schedule a curbside drop-off.

The Maryland Department of Aging’s (MDoA) Durable Medical Equipment (DME) Re-Use Program aging.maryland.gov MDoA’s Re-Use Center at 11701 Crain Highway, Cheltenham, MD 20623 Baltimore City Collection sites at the Northwest Transfer Station, located at 5030 Reisterstown Road, and the Quarantine Road Landfill, located at 6100 Quarantine Road. Satellite sites are available throughout Maryland. (240) 230-8000 DME.MDOA@maryland.gov

Habitat for Humanity of the Chesapeake ReStores habitatchesapeake.org/restore Habitat for Humanity of the Chesapeake Office 3741 Commerce Drive, Suite 309 Baltimore, MD 21227 (410) 366-1250 Tax deductible: yes Note: free pick-up for large items. Donate in person at any local store Tuesday through Saturday. Locations include Halethorpe, Sandtown, Dundalk, Glen Burnie and Timonium.

Hungry for Music hungryformusic.org Hungry for Music, 2020 Pennsylvania Avenue, NW, #384, Washington D.C. 20006 (202) 374-8649 Drop off site in Maryland: House of Musical Traditions, 7010 Westmoreland Avenue, Takoma Park, MD 20912 (301) 270-9090 Tax deductible: yes Note: pianos not accepted

Pianos for Education pianosforeducation.org Tax deductible: yes Note: serves all 50 states

Lego Replay givebackbox.com/lego Note: Full sets not required. Put all pieces in a box and print free shipping label from site.

Donation Town donationtown.org Matchmaking for items and charities that pick up.

Clip and save for future use

SEE SPECIAL INSERT Housing & Homecare Options following page 14

L E I S U R E & T R AV E L

The Baltimore Tree Trust, headed by CEO Bryant Smith, above right, has transformed neighborhoods in East Baltimore and beyond. Its volunteers, most of whom are over age 50, have helped plant 12,000 trees since the trust was formed in 2008.

protest that successfully prevented an interstate from paving over the largest urban park in the country. (If you’ve ever driven to the terminus of I-70 and found yourself amazed that the thoroughfare peters out in one unremarkable U-turn, now you know why.)

“The old-timers on their membership rolls are legendary in our industry for basically shutting down the I-70 expansion through the park and taking over management when See TREES, page 24

Mark Your Calendar: The Beacon’s Virtual 50+Expo opens November 1 with valuable information, classes, speakers and entertainment. See ad on page 28.

Interested in exhibiting or sponsoring? Call Gordon at (410) 248-9101.

Snorkel with sea turtles in the Turks and Caicos Islands; plus, reflect at the memorial sites on the 9/11 Trail, and learn what to pack in the age of COVID travel page 19 FITNESS & HEALTH k The latest on booster shots k Best bedtime snacks

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LAW & MONEY k Can you afford to retire? k How to replace lost records

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ARTS & STYLE k Godspell at Toby’s

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ADVERTISER DIRECTORY

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OCTOBER 2021 — BALTIMORE BEACON

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Virtual Expo virtues I am partial to fall weather. Because I aged to pull together a rather impressive virtual Expo that, in some grew up in Texas, where ways, offered more than our there is no clear change in in-person events ever could. season this time of year, I We had not only a keynote have come to love the sudden speaker, as usual, but 16 other crisp morning air with the speakers on a variety of topics. bright blue skies of fall. Not only did we have an imBut I also have a warm pressive singing group, as alspot for cool autumns beways, but we were able to cause, for more than 20 offer more than a dozen enteryears, we have hosted annual taining videos, ranging from Expos for our readers at this classical music to rock to time. There’s something esFROM THE stand-up comedy. pecially wonderful about PUBLISHER We not only offered exermeeting some of the Beacon’s By Stuart P. Rosenthal cise demonstrations, as we biggest fans in person. In the print business, we traditionally have done, but feel we know our readers indirectly, some- were able to provide 18 classes, including times from your letters or phone calls, exercise, dance, cooking and more. sometimes from your replies to surveys. More than 9,000 people visited our VirBut we seldom get to personally interact tual 50+Expo site last year — about four with you — except at our Expos. times as many people as we host in our It always gives me a lift to meet new peo- usual one-day Expos in person. So, all in ple, see familiar faces, and share mutual all, we consider last year’s Virtual 50+Expo admiration: You love us, and we love you! a big success. Naturally, it was a big disappointment Still, back in July, we were very excited last year when COVID-19 kept us from hav- to announce we would return to offering ining an in-person event. But our team man- person Expos this fall, along with a virtual

Beacon The

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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., Greater Washington, DC and Richmond, Va. (Fifty Plus). 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 columns 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, Alan Spiegel Assistant Editor – Catherine Brown Content Manager – Ashley Griffin

The Beacon, P.O. Box 2227, Silver Spring, MD 20915 (410) 248-9101 • Email: info@thebeaconnewspapers.com Submissions:

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Expo to address the needs of those who would or could not personally show up. As the summer progressed, however, we realized the delta variant and continued spread of COVID, along with the apparent desirability of getting boosters to protect from breakthrough infections, made it unwise to host in-person events this fall. So, once again, we find ourselves falling back on the virtues of a virtual event instead. Thankfully, we aren’t alone in making this decision. Like last year, we are partnering with the Baltimore County Department of Aging and the Howard County Office on Aging & Independence. Both of those county offices also decided against hosting in-person events this year, and have been very supportive of the joint 2021 Virtual 50+Expo we will soon open to the public. So, mark your calendars: on November 1 our website will go live, and from then through January 31, 2022, you will be able to watch a host of top-notch speakers, classes and entertainers at your leisure, 24/7, as often as you like. Also, you will have access to useful information from exhibitors in all the usual subject areas you’ve come to expect at past Expos: housing communities and options,

home care, healthcare, financial and insurance advice, travel, the arts, home remodeling and more. Each of our exhibitors and sponsors will have a unique “landing page” where you can learn about their offerings, view a video presentation, and contact them directly via email or through their website. And you won’t want to miss our keynote speakers: Diane Rehm, the beloved host of the daily Diane Rehm Show on NPR for nearly 40 years, and Dr. Mark Warshawsky, former Assistant Secretary of the Treasury and more recently Deputy Commissioner for Social Security. We owe special thanks to our Gold Sponsor AARP, as well as Silver Sponsors CIGNA and Holy Cross Health for helping make this year’s event possible. Let’s hope 2022 makes crowds safe and enjoyable once again, but in the meantime, please help us make the most of this year’s Virtual 50+Expo. Please join us at beacon50expo.com as often as you like, starting November 1, and recommend it to your friends as well. I look forward to “seeing” you there.

Letters to the editor 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 to The Beacon, P.O. Box 2227, Silver Spring, MD 20915, or email info@thebeaconnewspapers.com. Please include your name, address and telephone number for verification. Dear Editor: I just picked up The Beacon for the first time, though I have been both a retiree and a resident of the area for decades. To say that I was impressed doesn’t even come close to what I thought about each and every page! Articles and advertisements were ‘spot on’ to what matters most to me as a 67year-old former teacher. I am absolutely amazed such a publication exists, and look forward to soaking it in each and every month. A rare find indeed and I am most grateful. Daniel Lynch via email

Dear Editor: I am so pleased to observe the progressive changes that continue to take place in the City of Alexandria with regards to removing Confederate namesakes from the city streets — structures like the Appomattox statue which myself and others had removed years ago. For too long these offensive tributes to the Confederacy have contaminated the city. The continued evolution of efforts and outcomes to remove Confederate statues and now the street names that for decades have paid homage to Confederacy is rapidly, finally coming to an end! Greg Thrasher DC/Detroit

BEACON BITS

Oct. 6

WORDPRESS HELP

Are you trying to set up a website using WordPress? Do you have questions you need answered? The Baltimore WordPress Group is hosting a free Zoom meetup on Wed., Oct. 6 from 7 to 8 p.m. to answer all of your WordPress-related questions. For more information and to sign up, visit bit.ly/WordPressQuestions.

Oct. 19

VIRTUAL TOUR OF STATE ARCHIVES

Learn how to use the Maryland State Archives for your genealogical research in this free virtual event that takes place Tues., Oct. 19 from 6:30 to 8:30 p.m. For more information and to register, visit bit.ly/VirtualTourArchives.


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Health Fitness &

SNACKS FOR SLUMBER For a good night’s sleep, avoid these five bedtime snack mistakes STONGER BONES Are you getting enough calcium and vitamin D to protect your bones? STUDYING IMMUNITY Enroll in a study to help researchers measure immunity through your T-cells LASAGNA SOUP Try this recipe for deconstructed lasagna, turned into a creamy, healthy soup

Who gets a COVID-19 booster and when? By Lauran Neergaard COVID-19 booster shots may be coming for at least some Americans but already the Biden administration is being forced to scale back expectations — illustrating just how much important science still has to be worked out. The initial plan was to offer Pfizer or Moderna boosters starting Sept. 20, contingent on authorization from U.S. regulators. But now administration officials acknowledge Moderna boosters probably won’t be ready by then — the Food and Drug Administration needs more evidence to judge them. Adding to the complexity, Moderna wants its booster to be half the dose of the original shots. As for Pfizer’s booster, who really needs another dose right away isn’t a simple decision either. What’s ultimately recommended for an 80-year-old vaccinated back in December may be different than for a 35year-old immunized in the spring — who likely would get a stronger immunity boost by waiting longer for another shot. FDA’s scientific advisers will publicly debate Pfizer’s evidence on Sept. 17, just three days before the administration’s target. If the FDA approves another dose, then advisers to the Centers for Disease

Control and Prevention will recommend who should get one.

in poor countries get their first round. Here’s what we know about the biology behind booster decisions:

Why are boosters needed? That’s tricky because while real-world data shows the vaccines used in the U.S. remain strongly protective against severe disease and death, their ability to prevent milder infection is dropping. It’s not clear how much of that is due to immunity waning or to the extra-contagious delta variant — or the fact that delta struck just as much of the country dropped masks and other precautions. When to jump to boosters “becomes a judgment,” said Dr. Jesse Goodman of Georgetown University, a former FDA vaccine chief. “And is that urgent or do we have time for the data to come in?” Already the CDC is considering recommending the first boosters just for nursing home residents and older adults who’d be at highest risk of severe disease if their immunity wanes — and to front-line health workers who can’t come to work if they get even a mild infection. Some other countries already have begun offering boosters amid an ethical debate about whether rich countries should get a third dose before most people

What do booster shots do? Vaccines train the immune system to fight the coronavirus, including by producing antibodies that block the virus from getting inside cells. People harbor huge levels right after the shots. But just like with vaccines against other diseases, antibodies gradually drop until reaching a low maintenance level. A booster dose revs those levels back up again. Pfizer and Moderna have filed FDA applications for booster doses but the government will decide on extra Johnson & Johnson doses later, once that company shares its booster data with the agency.

How much protection do boosters offer? No one yet knows “the magic line” — the antibody level known as the “correlate of protection” below which people are at risk for even mild infection, said immunologist Ali Ellebedy of Washington University at St. Louis. But vaccines’ main purpose is to prevent

severe disease. “It’s a very high bar to really go and say we can completely block infection,” Ellebedy noted. Plus, people’s responses to their initial vaccination vary. Younger people, for example, tend to produce more antibodies to begin with than older adults. That means months later when antibody levels have naturally declined, some people may still have enough to fend off infection while others don’t. That initial variation is behind the FDA’s recent decision that people with severely weakened immune systems from organ transplants, cancer or other conditions need a third dose of the Pfizer or Moderna vaccine to have a chance at protection. In those people, it’s not a booster but an extra amount they need up-front.

Won’t antibodies just wane again after a booster? Eventually. “We don’t know the duration of protection following the boosters,” cautioned Dr. William Moss of Johns Hopkins University. But antibodies are only one defense. If an infection sneaks past them, white blood cells called T-cells help prevent serious illSee BOOSTERS, page 5

Pros and cons of turmeric, supplements Dear Mayo Clinic: I was recently diagnosed with breast cancer, and I will have surgery followed by chemotherapy. A friend told me that turmeric has anti-cancer properties. I have taken turmeric supplements in the past for osteoarthritis. Can I can safely take it as a supplement along with conventional breast cancer treatment? A: Turmeric, a bright yellow spice powder made from the root of a plant in the ginger family, is grown in many Asian countries and other tropical areas. It’s a major ingredient in curry powders common in many Indian and Asian dishes, and it is used as a coloring for foods, fabrics and cosmetics. The root can be dried and made into capsules, tablets, extracts, powders or teas. Or it can be made into a paste to apply to the skin. Turmeric’s main active component —

curcumin — is what gives the spice its yellow color. Curcumin has anti-inflammatory properties, making it a potential treatment for people with osteoarthritis and other painful health conditions.. One study found that taking turmeric extract three times daily was comparable to taking a 1,200-milligram dose of ibuprofen daily for arthritis pain. However, more research is necessary to confirm these effects. In addition to its anti-inflammatory properties, research suggests that curcumin has many other health benefits. Among them are antioxidant, metabolic-regulating, antimicrobial, immune-modulating, mood-enhancing, neuroprotective and anti-cancer effects. Preclinical studies demonstrate curcumin stops the growth of breast cancer cells in the laboratory, but it’s not known if this happens in humans, since the body quickly breaks down curcumin, making it difficult to study.

High-quality human studies are needed to confirm these findings and guide effective and safe use of turmeric as a supplement. When ingested as a superfood or when turmeric is used as a spice in culinary cuisine, the curcumin it contains appears to be generally safe for cancer patients. But dietary food sources are different from turmeric supplements or when it is taken as a pill. There is little research to ensure turmeric supplements are safe when used in combination with cancer treatments, including surgery, radiation and chemotherapy.

Chemotherapy interactions The use of supplements, like turmeric, among cancer patients undergoing cancer treatment can be a concern. Supplements are not standardized like prescription medications, meaning the dose is not regulated and purity cannot be

guaranteed. What you get may differ from bottle to bottle and among brands, and there can be variables depending on what specific part of the plant is used. Many supplements that have powerful anti-inflammatory effects, like turmeric, also have blood-thinning properties, which can increase the risk of bleeding and cause complications around the time of surgery. In combination with chemotherapy, using supplements is worrisome because of potential drug-herb interactions. Laboratory studies have shown that two common chemotherapy drugs used to treat breast cancer — doxorubicin and cyclophosphamide — may have reduced effectiveness when used alongside turmeric, but the clinical significance is not yet known. Another commonly used chemotherapy drug for breast cancer, paclitaxel, when See PROS & CONS, page 6


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In this free virtual demo hosted by AARP, learn how to cook vegetarian “pulled pork” sandwiches using jackfruit. This event takes place Thurs., Oct. 14 from 2 to 3 p.m. For more information and to register, visit bit.ly/JackfruitCookingDemo.

The Anne Arundel Public Library is hosting a free virtual event to help you identify and overview the parts needed to create or update a business plan. This event takes place Tues., Oct. 5 from 7 to 8 p.m. For more information and to register, visit bit.ly/AAPLBusinessPlan.

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The University of Baltimore School of Law presents a Zoom conversation about climate change and global migration on Tues., Oct. 26 from 5 to 6 p.m. Learn more and register at bit.ly/ClimateandMigration.

For many other types of vaccines, waiting six months for a booster is the recommended timing. The Biden administration has been planning on eight months for COVID-19 boosters. The timing matters because the immune system gradually builds layers of protection over months. Give a booster too soon, be-

The boosters will be an extra dose of the original vaccine. Manufacturers still are studying experimental doses tweaked to better match delta. There’s no public data yet that it’s time to make such a dramatic switch, which would take more time to roll out. And independent research, including studies from Ellebedy’s team, shows the original vaccine produces antibodies that can target delta. “I’m very, very confident that this vaccine will work against delta with a single booster of the same vaccine,” Pfizer CEO Albert Bourla told the Associated Press. AP Medical Writer Carla K. Johnson contributed to this report.

CLIMATE CHANGE TALK

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What’s the best time to get a booster?

Will boosters contain the original vaccine, or one tailored to delta?

Oct. 26

F R E E

ness by killing virus-infected cells. [See this month’s health study, “Tracking volunteers’ immunity via T-cells,” on page 10.] Another type called memory B-cells jump into action to make lots of new antibodies. These back-up systems help explain why protection against severe COVID-19 is holding strong so far for most people. One hint of trouble: CDC has preliminary data that effectiveness against hospitalization in people 75 and older dropped slightly in July — to 80% — compared to 94% or higher for other adults. “It’s much easier to protect against severe disease because all you need is immunologic memory. And I would imagine for a younger person that would last for a while,” maybe years, said Dr. Paul Offit, a vaccine expert at the Children’s Hospital of Philadelphia.

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From page 4

fore the immune response matures, and people can miss out on the optimal benefit, said Dr. Cameron Wolfe, an infectious disease specialist at Duke University. “Sometimes waiting a little bit extra time is in fact appropriate to gain the strongest response,” he said. Not everyone’s waiting on a final decision. For example, Colorado’s UCHealth has opened boosters to certain high-risk people first vaccinated back in December and January. San Francisco is giving some people who had a single-dose J&J vaccine a second shot from Pfizer or Moderna.

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OCTOBER 2021 — BALTIMORE BEACON

Bedtime snack mistakes can wreck sleep By Krissy Brady, CookingLight.com Snacking before bed can be a tricky business. Eat too much, and get ready for a night of tossing and turning. Eat too little, and you might find yourself devouring your entire kitchen at 3 in the morning. It’s no secret that steering clear of refined carbs and junky foods before bed is one of the best ways to avoid a sleepless night. But even noshing on healthy P.M. snacks can still mess with your sleep quality if you’re not careful. The key to successful bedtime snacking? Balance. “Being overly full or starving is more likely to lead to sleep issues than any one particular food,” according to registered dietitian Alex Caspero, R.D. If you’ve yet to find your snacking sweet spot, find out if you’re making one of these five mistakes — and learn how to turn things around. 1. Getting carried away with portions.

Even when you eat healthy snacks before bed, such as pretzels and hummus or cheese and crackers, it’s easy to overdo it in the portion department. This sends the body into digestion mode, which can make it difficult to fall asleep (and stay asleep). “We need just enough to offer satisfaction, so we don’t wake during the night hungry,” Caspero said. The fix: The trick is to be strategic with your snack choices. Choose snacks that are harder to overeat, such as pistachios in the shell. If you’ve got a sweet tooth, try fruits like grapes or berries. 2. Ignoring your cravings. When you’re craving dessert and attempt to resist your craving by snacking on healthier alternatives, you might find yourself consuming more calories in the long run, says Connecticut-based registered dietitian Alyssa Lavy, R.D. Because the healthy snack isn’t satisfying your craving, you might keep snacking

to fill the void. This might lead to feelings of disappointment, which can cause stress, ultimately disrupting sleep quality. The fix: Indulge your dessert craving, but stick to a reasonable portion — such as one or two cookies or 1/2 cup of ice cream. 3. Choosing a protein-heavy snack. Most people can forgo protein before bed and stick with a small amount of carbs and healthy fats to satisfy their hunger. “Protein revs up our metabolism, which is great during the day, but not so great when you’re trying to wind down,” said Minnesota-based registered dietitian Leah Kleinschrodt, R.D. However, she adds, some people do need some protein at night to help stabilize their blood sugar. The fix: Aim for about 2 ounces of protein (15 grams) before bed. 4. Snacking right before bed. Getting your snack on just before bed can delay your ability to fall asleep, since your body will be busy digesting the grub.

And if you’re lying down as your stomach’s doing its thing, gravity can’t help mosey the digested food through the digestive tract, which can cause an upset stomach during the night, Kleinschrodt said. The fix: Make sure you have your bedtime snack no later than 30 minutes before you turn in. 5. Going to bed hungr y. Much like being too full can mess with your ability to fall asleep, so can being too, well, empty. Hunger is a sign that your blood sugar is trending downward or already low. Not exactly an ideal state when you’re trying to score some shut-eye. The fix: Munch on ½ cup of berries with 2 to 3 tablespoons of heavy whipping cream. Cooking Light empowers people to cook more for good health. Online at cookinglight.com. © 2021 Meredith Corporation. Distributed by Tribune Content Agency, LLC.

Pros and cons

how turmeric affects chemotherapy, and further research should be a guide. It is best to talk with your cancer care team about the supplements you take to ensure they are safe, especially in combination with your cancer treatment. As a rule of thumb, there is no magic bullet. The best option — one proven in

studies time and time again — is to get all the antioxidants, phytonutrients, vitamins and minerals your body needs by eating a whole-food, plant-based diet rich in colorful vegetables and fruits, whole grains, beans, nuts and seeds. — Dawn Mussallem, D.O., Hematology/Oncology, Mayo Clinic, Jacksonville

Mayo Clinic Q & A is an educational resource and doesn’t replace regular medical care. For more information, visit mayoclinic.org. © 2021 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Content Agency, LLC.

From page 4 combined with turmeric may result in liver toxicity.

Talk with your doctor The bottom line is that it’s not known

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Say you saw it in the Beacon | Fitness & Health

BALTIMORE BEACON — OCTOBER 2021

7

Are your bones getting enough calcium? By the National Osteoporosis Foundation Calcium and vitamin D are essential to building strong, dense bones when you’re young and to keeping them strong and healthy as you age. About 99% of the calcium in our bodies is in our bones and teeth. When we don’t get the calcium our body needs, it is taken from our bones. This is fine once in a while, but if it happens too often, bones get weak and may break. Vitamin D plays an important role in protecting our bones, too, both by helping the body absorb calcium and by supporting muscles needed to avoid falls. If you don’t get enough vitamin D, you’re more likely to break bones as you age.

How much do you need? Calcium is a mineral that is necessary for life. In addition to building bones and keeping them healthy, calcium enables our blood to clot, our muscles to contract, and our heart to beat. Our bodies cannot produce their own calcium. That’s why it’s important to get enough calcium from the food we eat. The amount of calcium you need every day depends on your age and sex. Women age 51 and older should get 1,200 mg. daily. Men age 70 and younger should get 1,000 mg. daily and 1,200 mg. after age 70. This includes the total amount of calcium you get from food and supplements. To calculate how much calcium is in your diet, use the International Osteoporosis Foundation’s calculator at iofbonehealth.org/calcium-calculator.

Calcium-rich foods Food is the best source of calcium. Dairy products such as milk, yogurt and cheese are high in calcium. Certain green

vegetables and other foods contain calcium in smaller amounts. Some juices, breakfast foods, soymilk, cereals, snacks, breads and bottled water have added calcium. If you drink soymilk or another liquid that is fortified with calcium, be sure to shake the container well, as calcium can settle to the bottom. A simple way to add calcium to many foods is with a tablespoon of nonfat powdered milk, which contains about 50 mg. of calcium. It’s easy to add a few tablespoons of powdered milk to almost any recipe.

Calcium supplements Try to get the daily recommended amount of calcium from food. In general, you shouldn’t take supplements that you don’t need. There is no added benefit to taking more calcium than you need. Doing so may even carry some risks. [See “Supplements may raise men’s cancer risk” on page 11.] When choosing a supplement, keep the following in mind: —Choose brand-name supplements with proven reliability. Look for labels that state “purified” or have the USP (United States Pharmacopeia) symbol. —Calcium is absorbed best when taken in amounts of 500 to 600 mg. or less. This is the case for both foods and supplements. Try to get your calcium-rich foods and/or supplements in small amounts throughout the day, preferably with a meal. While it’s not recommended, taking your calcium all at once is better than not taking it at all. —Take (most) calcium supplements with food. Eating food produces stomach acid that helps your body absorb most calcium supplements. The one exception to the rule is calcium citrate, which can absorb well when taken with or without food. When starting a new calcium supple-

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ment, start with a smaller amount to mitigate possible side effects, such as gas or constipation. If increasing fluids in your diet does not solve the problem, try another type or brand of calcium. It may require trial and error to find the right one.

How much vitamin D do you need? Both men and women over age 50 should try to get 800 to 1,000 IU daily. Some people need more vitamin D. AcSee CALCIUM, page 9

BEACON BITS

Oct. 2

TYPE-IN

Filmmaker Theodore Adams III is hosting a free “type-in” at the Academy Art Museum on Sat., Oct. 2 from 2 to 4 p.m. Attendees can test out their typing technique and socialize with like-minded “types.” For more information about the type-in, email info@redzeppelinproductions.com or call (571) 403-3678. A screening of Adams’ short film, Tyndall Typewriters, will take place at the Chesapeake Film Festival in Easton, Maryland’s Avalon Theater at 5 p.m. To purchase tickets for the screening, visit chesapeakefilmfestival.com.


8

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OCTOBER 2021 — BALTIMORE BEACON

Cilantro’s three surprising health benefits When you think of fresh cilantro, what quercetin, kaempferol, apigenin and rhamcomes to mind? Is it guacamole, tacos or netin. This simply means it provides excelother Mexican cuisine? lent antioxidant power to You may be surprised, but clean up your body like a celcilantro can be used in everylular vacuum cleaner. thing; it’s a delicious herb with Plus, because it’s green, the medicinal benefits galore. chlorophyll you consume from In America, cilantro refers it acts as an excellent detoxifier. to the leaves of the plant, And even more interesting: which look a little bit like Did you know that as conparsley. I always have to sumers have been pushing for squint to make sure I’m grabantibiotic-free chicken, poulbing the right one at the gro- DEAR try farmers have been using cery store. But the seeds of PHARMACIST cilantro as one herbal antibiotthe same plant are called co- By Suzy Cohen ic? That’s how strong its anriander, so both names are timicrobial effects are! Here are the top three surprising medicused for the respective spices. Cilantro is rich in carotenoids, as well as inal benefits of cilantro:

Chelation Cilantro gently detoxifies and removes heavy metals from the body in a process called chelation. These metals get into your bloodstream if you eat certain foods processed with metals or are exposed to environmental pollutants, contaminated water, old dental fillings, household chemicals, smoking and more. While cilantro can’t remove all metals or prevent disease, it is still widely revered for its detoxification capabilities, and there are studies to prove that.

Bone building Cilantro is one of the best herbal sources for vitamin K, which helps put calcium back into your bones by shuttling it out of your bloodstream. We also know that cilantro is a great source of other minerals that are needed for strong bones. It contains calcium, of course, but also potassium, iron, magnesium and manganese.

Seizure prevention Epilepsy is a serious condition that requires proper treatment by a qualified practitioner. Traditional medications often include those in the category of anticonvulsants and tricyclic antidepressants. But what about an herb like cilantro? The

therapeutic action of cilantro comes as a surprise to most; however, it is proven to be, and in my professional opinion it is, a promising adjunctive therapy used alongside conventional treatments to control seizures.

One caveat It’s rare but true that some people find the smell and taste of cilantro quite foul. That’s because they have a Single Nucleotide Polymorphism (SNP) in one of their “smell genes,” the olfactory receptor OR6A2. Polymorphisms in this specific gene cause some people to detect a soapy taste, but again it’s rare. Still, some people are going to hate it! In this article, I’m referring to eating the fresh herb, which you can buy at any supermarket. I am uncertain if pills and extracts are right for everyone. Please ask your doctor or pharmacist before taking dietary supplements of cilantro. If you would like additional information, please subscribe to my free newsletter at 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. Suzy Cohen is a registered pharmacist and author of The 24-Hour Pharmacist and Real Solutions from Head to Toe.

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Say you saw it in the Beacon | Fitness & Health

BALTIMORE BEACON — OCTOBER 2021

9

Red and processed meat: Worry or not? By Howard LeWine, M.D. Q: With so much advice about the healthiest diet, I’m confused about how much red meat I can eat, if any. What’s your advice? A: Experts continue to debate the right answer to this question. Avoiding red and processed meats has been a standard public health message for many years. In 2019, a highly respected medical journal published a review of the literature on the topic. The authors concluded that there is “low” evidence that eating red meat or processed meat adversely affects health risks. Their advice: there’s no need to reduce your regular red meat and processed meat intake for health reasons. Unsurprisingly, the backlash from most of the nutritional science community was sharp and swift. The study and its widespread reac-

Calcium From page 7 cording to the Institute of Medicine, the safe upper limit of vitamin D is 4,000 IU per day for most adults. There are three ways to get vitamin D: from sunlight, food or supplements. Sunlight: Your skin makes vitamin D in reaction to sunlight and stores it in fat for later use. How much vitamin D your skin can produce depends on the time of day, season, latitude, skin pigmentation, age and other factors. There are many reasons people do not have enough vitamin D. As we age, our skin loses its ability to generate vitamin D. People who live in cities or in institutional settings like nursing homes spend too little time outdoors. And sunscreen with an SPF as low as 8 reduces vitamin D production by 95 percent.

tion once again brought up the question of whether red meat and processed meat are bad for your health and if people should cut them out or simply cut back.

How much is too much? An accumulated body of evidence shows a clear link between high intake of red and processed meats and a higher risk for heart disease, cancer, diabetes and premature death. But the key word here is “high.” The exact amounts for safely consuming red meat are open to debate. The majority of studies show that people with a relatively low intake have lower health risks. While there is no disadvantage to avoiding all red meat, my general recommendation is to stick to no more than two to three servings per week for Vitamin D in food: Vitamin D is found in very few foods. Sources include fatty fish like wild-caught mackerel, salmon and tuna. Vitamin D is added to milk and other dairy products, orange juice, soymilk and fortified cereals. It is very difficult to get all the vitamin D you need from food alone. Most people must take vitamin D supplements to get enough to support bone health. Vitamin D supplements: If you aren’t getting enough vitamin D from sunlight and food, consider taking a supplement. There are two types: vitamin D2 (ergocalciferol) and vitamin D3 (cholecalciferol). Both are good for bone health. Before adding a vitamin D supplement, check to see if any of the other supplements, multivitamins or medications you take contain vitamin D. For more information, visit nof.org/patients.

meat lovers. Don’t focus so much on actual serving sizes, but rather on red meat’s placement in meals. Instead of making it the main course, use red meat as a side dish. Consider red meat a luxury and not a staple food.

Processed meat is riskier For processed meat, there is a stronger association with a higher risk of heart disease and cancer (especially colon cancer). Processed meat products contain high amounts of additives and chemicals, which

may contribute to health risks. Again, there is not a specific amount that is considered safe, so you should keep processed meat intake to a minimum. While many people are willing to pay more for organic and grass-fed beef, there are no firm studies that have shown they have nutritional or health advantages. But these types of red meat may be more personally desirable, as they contain low or no growth hormones compared with regular grain-fed beef. © 2021 Harvard University. Distributed by Tribune Content Agency, LLC.

BEACON BITS

Oct. 2

B&O OCTOBERFEST

Enjoy delicious food and drink and fun for the whole family at the B&O Railroad Museum on Sat., Oct. 2 from 12 to 6 p.m. Tickets include full access to the museum and cost $10 + fees for members; $20 + fees for non-member adults and $12 + fees for non-member children. For more information and to purchase tickets, visit bit.ly/BORailOctoberfest.

Oct. 16+

HEREFORD FALL FESTIVAL

Enjoy food, wine, crafts, helicopter rides, hay wagon rides and more at the Hereford Fall Festival. The event takes place Sat., Oct. 16 from 10 a.m. to 6 p.m. and Sun., Oct. 17 from 10 a.m. to 5 p.m. Tickets cost $5 for non-tasters and $10 for tasters. For more information, visit herefordfire.org/hereford-fall-festival.

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Fitness & Health | Subscribe online! See how on p. 26

Health Studies

OCTOBER 2021 — BALTIMORE BEACON

INFORMATION ON AREA CLINICAL TRIALS

Tracking volunteers’ immunity via T-cells By Margaret Foster Most Maryland residents are fully vaccinated against COVID-19 — 62%, as of press time. But vaccine protection fades over time, so we may need to roll up our sleeves again for a booster shot. When is the best time to get a booster shot: six months, nine months or even a year after the last dose? This year scientists at the National Institute on Aging are trying to answer that question. They’re looking for about 100 volunteers in this area to participate in a study that could shed light on the immune system’s response to the vaccine and how it changes as time goes on. “One question we have is, how long does the vaccine protect you? If you track the immune response of an individual over time,

you can detect the…subsequent decline of the vaccine response,” said Nan-ping Weng, principal investigator of the study. Weng’s team is tracking the body’s immune response to the Pfizer and Moderna vaccines at six months and a year after the shot. He also hopes to determine why the virus has such a devastating effect on older adults. “The booster question is secondary but not the original aim [of the study],” Weng said. “We wanted to know: Can we detect the T-cell response to the vaccine and whether older people have weakened Tcell response?”

Who can participate? All Maryland residents over age 18 who have not contracted COVID-19 are eligible

to participate in this clinical trial. People who are not vaccinated will make up to seven trips to the clinic, while vaccinated people will make up to three visits. They can choose one of two sites to visit for study procedures: the NIH/National Institute on Aging Clinical Research Unit at MedStar Harbor Hospital or the NIH/NIA/Biomedical Research Center at Johns Hopkins Bayview campus in Baltimore. MedStar Harbor Hospital is located in south Baltimore off I-95 on South Hanover Street. The Bayview campus is located on Eastern Avenue near Greektown. Free parking is available at both locations. At each visit, researchers will measure height and weight; ask general health questions; and take a blood sample. Then they’ll look for T-cells in those samples. T-cells, a type of lymphocyte, seek out and destroy cells infected by viruses or other microorganisms. Thus, they prevent a virus from multiplying in the cells and body. “The T-cell is able to eliminate these infected cells,” Weng said. “That allows the immune system to stop the virus replication.” Vaccines trigger T-cells to respond, too. “So we’re looking at these T-cells, which we measure by number and by function, and

we see if those cells change over time,” Weng said. “Six months from now or one year from now, do [participants] have the same number of T-cells in the blood?’”

Why do people differ? The immune system is notoriously complicated and is shaped by an individual’s lifelong experience with different pathogens. As most of us know from experience, some people’s immune systems are more robust than others. “One person may have a longer-lasting vaccine-induced immune protection than another person,” Weng said. That keeps his job interesting. “It’s a highly dynamic situation to measure in the human population.” People who participate in the study will be compensated for their time. They’ll also be helping scientists find out more about how to defeat the virus. “We’re in such a crisis,” Weng said. “It’s important to study all ages of adults to determine how older adults differ from younger ones. Our study allows anyone, at any age, to participate.” For more information or to volunteer to participate, call (410) 350-3941 or email niastudiesrecruitment@mail.nih.gov and mention study #383.

BEACON BITS

Oct. 20

WHY WE WORK Join AARP and Barry Schwartz of UC Berkeley for a conversation about the ideological and psychological impacts of the modern

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BALTIMORE BEACON — OCTOBER 2021

Say you saw it in the Beacon | Fitness & Health

11

Supplements may raise men’s cancer risk By Howard LeWine, M.D. Q: Do any supplements help prevent a man from developing prostate cancer? A: Most studies of vitamin and mineral supplements used to prevent cancer, including prostate cancer, have had disappointing results. In fact, some even appear to increase prostate cancer risk. Here’s a rundown on where things stand. Multivitamins. One standard multivitamin daily neither increases nor decreases the chance of getting prostate cancer. Vitamin D. Low vitamin D blood levels have been linked with various cancers, including prostate cancer, so it makes sense for men to aim for the recommended 800 IU of vitamin D daily. But taking more does not lead to a lower risk. B vitamins. There is no evidence that extra B vitamins are preventive. In fact, some studies have shown an association of high blood levels of folic acid and B12 with higher cancer risk. But that is not proof that the supplements themselves cause prostate cancer. L ycopene. A large obser vational study found that men who eat more lycopene-rich foods, like tomatoes and tomato-based products, had lower rates of prostate cancer and prostate cancer deaths. However, other studies did not confirm these findings, and studies of lycopene supplements have not shown any benefit. Calcium. A high total calcium intake — through supplements and diet — may raise the risk of developing prostate cancer, and perhaps even the more aggressive type. Zinc. One study found that men who took more than 100 milligrams of supplemental zinc per day for several years were more likely to be diagnosed with prostate cancer compared with men who did not take the supplement. Again, however, this does not prove cause and effect. Vitamin E. Unless specifically prescribed by your doctor, high doses of vitamin E (400 international units, or IU, daily or more) should be avoided. This recommendation is based on a controlled trial that looked at whether supplements of vitamin E, selenium or both could reduce the risk of prostate cancer. The results found that men who took vitamin E actually had a higher rate of prostate cancer and especially aggressive cancer. Selenium. In the vitamin E and sele-

Write a letter to the editor. See page 2.

nium trial, selenium supplement use was associated with a slight increase in cancer risk, but this was not statistically significant. The bottom line: At present, there’s no firm evidence to support any vitamin or mineral supplements to prevent prostate cancer. However, it would be best if you still focused on getting these same nutrients through a healthy diet. Men who eat high amounts of fruits and vegetables and minimal red meat and high-fat dairy products may have a lower prostate cancer risk. Also, maintaining a healthy weight and regular exercise appears to decrease the risk of developing more aggressive and potentially deadly types of prostate cancer. © 2021 Harvard University. Distributed by Tribune Content Agency, LLC.

T-Cell responses to SARS-CoV-2 Research Study The purpose of this research study is to look at the immune response of people who are vaccinated for the SARS-CoV-2 virus, also known as COVID-19. The immune response is how your body recognizes and defends itself against foreign and harmful substances. The study involves asking you questions about your health history and current medications. We will take measurements of your height, weight, blood pressure, heart rate and temperature. You will have blood drawn. Those who have NOT been vaccinated before participating will have up to 7 visits. Any participant vaccinated prior to visit 1 will have up to 3 visits.

You may be eligible to participate in this study if: • You are 18 years of age or older. • You have not had a history of having had the COVID-19 disease or have tested positive for SARS-CoV-2 in the past. • You have already received at least one dose of the vaccination in the last 6 months OR you plan to within the next month. You will be compensated for your time. For more information on how you can participate

Please Contact:

410-350-3941

niastudiesrecruitment@mail.nih.gov Principal Investigator: Nan-ping Weng, MD, Ph.D. National Institute on Aging Medstar Harbor Hospital, 5th Floor 3001 South Hanover Street, Baltimore, MD 21225 NIA Study# 000383


Fitness & Health | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

Bring the natural benefits of sunlight indoors. Ever since the first human went into a dark cave and built a fire, people have realized the importance of proper indoor lighting. Unfortunately, since Edison invented the light bulb, lighting technology has remained relatively prehistoric. Modern light fixtures do little to combat many symptoms of improper lighting, such as eyestrain, dryness or burning. As more and more of us spend longer hours in front of a computer monitor, the results are compounded . . . and the effects of indoor lighting are not necessarily limited to physical well-being. Many people believe that the quantity and quality of light can play a part in one’s mood and work performance. Now there’s a better way to bring the positive benefits associated with natural sunlight indoors. Use the Balance Spectrum Floor Lamp...

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Say you saw it in the Beacon | Fitness & Health

BALTIMORE BEACON — OCTOBER 2021

13

Creamy lasagna soup with vegetables By Family Features Lasagna is often a family favorite, a kind of comfort food with an Italian vibe. But depending on the recipe, the process of making it can be onerous. First, you prepare and season the sauce and mix together the cheeses. Then you partcook the lasagna noodles and trim them to fit the dish. You might even need to pre-cook some mushrooms and other vegetables. Finally, you have to line the whole thing PHOTO COURTESY OF ZEN AND SPICE

up, and hope you don’t run out of ingredients before you’ve reached the last layer. Here comes a lasagna soup recipe that keeps all the same ingredients, but lets you make it all in one pot with a minimum of fuss. And when done, you have a meal in a bowl, perfect served with some crusty bread and a side salad. Give it a try.

Directions:

Creamy Spinach, Mushroom and Lasagna Soup

Heat large pot over medium heat. Add olive oil, garlic, onion and mushrooms. Cook, stirring occasionally, until onions

Recipe courtesy of Emily Weeks of “Zen and Spice” Cook time: 30 minutes; Total time: 40 minutes Servings: 4 Ingredients: 1 tablespoon extra-virgin olive oil 2 cloves garlic, minced 1 medium onion, small diced 8 ounces crimini mushrooms, sliced 1 jar (24 ounces) marinara sauce 1 can (15 ounces) diced tomatoes 2 tablespoons tomato paste 2 teaspoons balsamic vinegar 1 teaspoon granulated sugar 1 tablespoon dried basil ½ teaspoon salt 1 teaspoon oregano ½ teaspoon black pepper 1 bay leaf

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3 cups vegetable broth 6 lasagna noodles, broken into pieces ½ cup heavy cream 5 ounces fresh baby spinach 1 cup whole-milk ricotta cheese ½ cup shredded mozzarella cheese, for topping

and mushrooms soften, 4 to 5 minutes. Add marinara, diced tomatoes, tomato paste, vinegar, sugar, basil, salt, oregano, pepper, bay leaf and broth. Bring to boil over high heat then reduce heat to low and simmer. Add lasagna noodles and cook, stirring often, until softened, about 15 minutes. Remove from heat and remove bay leaf. Stir in heavy cream and spinach until wilted, 2 to 3 minutes. Divide between bowls and top with dollop of ricotta and sprinkle of mozzarella.

BEACON BITS

Oct. 2+

EDGAR ALLEN POE FESTIVAL

The fourth annual International Edgar Allen Poe Festival takes place Sat., Oct. 2 and Sun., Oct. 3 to commemorate the 172nd anniversary of Poe’s death. Enjoy music, books and art begin from 11 a.m. to 5 p.m. on Saturday and from 11 a.m. to 4 p.m. on Sunday. The festival, which takes place outdoors at the Edgar Allen Poe House and Museum in Baltimore, is free, but some events require tickets. Those unable to attend in person can experience the festival virtually. For more information, visit poefestinternational.com.

Oct. 23

GENEALOGICAL SOCIETY CONFERENCE

On Sat., Oct. 23, the Mount Vernon Genealogical Society hosts its annual conference, open to both members and non-members. This year’s conference takes place virtually and focuses on the theme “Tell It Like It Was,” with guidance on how to tell your family’s stories. The conference takes place via Zoom from 9 a.m. to 3 p.m. and costs $40. For more information and to register, visit mvgenealogy.org.


14

Fitness & Health | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

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BALTIMORE BEACON — OCTOBER 2021

SPECIAL PULL-OUT SECTION

Say you saw it in the Beacon

B-1

Donate to declutter: Where, when and how nate items that are in “dignity condition” so they can be sold. Goodwill, helping jobseekers since 1902, sells donated items at its stores and puts the revenue toward job training and placement services for local community members in need. Many organizations use the same acceptance criteria as Goodwill. “Our general rule of thumb is we accept gently used goods,” Balog said. Most organizations also have lists of items they don’t accept. For example, Goodwill doesn’t accept tube TVs, mattresses or appliances. What happens to donations not sold in stores? In Goodwill’s case, they are sent to their outlet, where they are sold by the pound. And the final chapter in the life of un-

What donations are wanted? What to donate and what to toss? Do-

See WHERE TO DONATE, page B-3

PHOTO COURTESY OF HABITAT FOR HUMANITY

By Tina Collins While isolated at home this past 18 months, some of us opened closets that had not seen the light of day for years. Faced with time at home and a tsunami of clutter, we cleaned our way through the pandemic. Now, what to do with all the suits no longer suitable, forgotten housewares or books stacked up to the ceiling? Give them away, of course! Starting in the summer of 2020, nonprofits saw a dramatic increase in donations, according to Jonathan Balog, vice president of marketing and Communications at Goodwill Industries of the Chesapeake. Donations are up 25%, an increase that has remained steady at his organization.

Habitat for Humanity operates five local ReStores — in Sandtown, Timonium, Halethorpe, Glen Burnie and Dundalk — where your donations help fund their good works. Habitat and other nonprofits may pick up donations at your home for free.

Contact information for donations Salvation Army

ShareBaby

www.sa-md.org To schedule a free pickup: satruck.org The Salvation Army of Central Maryland 814 Light Street, Baltimore, MD 21230 (410) 783-2920 Tax-Deductible: yes

sharebaby.org 1792 Union Ave., Baltimore, MD 21211 (667) 212-3455 Note: diaper donations done through partner agencies Tax deductible: yes Note: Please call ahead of time so someone will be there when you place donation in designated bins.

Goodwill goodwill.org Donation sites include: Goodwill Industries of the Chesapeake, Inc. 222 East Redwood Street, Baltimore, MD 21202 (410) 358-8411 Tax-Deductible: yes

Fairytale Brides on a Shoestring fairytalebrides.org 156 Congressional Lane, Rockville, MD 20852 (301) 468-2000 Tax deductible: yes Note: gowns within five years old

GreenDrop gogreendrop.com info@gogreendrop.com 1-888-944-3767 Tax deductible: yes Note: label which organization out of the groups they serve to direct your donation.

The Priceless Gown Project pricelessgownproject.com (443) 296-2075 Tax deductible: yes Note: gowns within five years old. Call first, as donation locations may be on hold due to COVID.

American Veterans (AMVETS) amvets.org AMVETS National Headquarters 4647 Forbes Blvd., Lanham, MD 20706 (301) 459-9600 Tax Deductible: yes Note: schedule items for free pick-up

Dress for Success Greater Baltimore greaterbaltimore.dressforsuccess.org 250 W. Dickman St., Baltimore MD 21230 (410) 528-1799 Tax deductible: yes Note: Please schedule a curbside drop-off.

The Maryland Department of Aging’s (MDoA) Durable Medical Equipment (DME) Re-Use Program aging.maryland.gov MDoA’s Re-Use Center at 11701 Crain Highway, Cheltenham, MD 20623 Baltimore City Collection sites at the Northwest Transfer Station, located at 5030 Reisterstown Road, and the Quarantine Road Landfill, located at 6100 Quarantine Road. Satellite sites are available throughout Maryland. (240) 230-8000 DME.MDOA@maryland.gov

Habitat for Humanity of the Chesapeake ReStores habitatchesapeake.org/restore Habitat for Humanity of the Chesapeake Office 3741 Commerce Drive, Suite 309 Baltimore, MD 21227 (410) 366-1250 Tax deductible: yes Note: free pick-up for large items. Donate in person at any local store Tuesday through Saturday. Locations include Halethorpe, Sandtown, Dundalk, Glen Burnie and Timonium.

Hungry for Music hungryformusic.org Hungry for Music, 2020 Pennsylvania Avenue, NW, #384, Washington D.C. 20006 (202) 374-8649 Drop off site in Maryland: House of Musical Traditions, 7010 Westmoreland Avenue, Takoma Park, MD 20912 (301) 270-9090 Tax deductible: yes Note: pianos not accepted

Pianos for Education pianosforeducation.org Tax deductible: yes Note: serves all 50 states

Lego Replay givebackbox.com/lego Note: Full sets not required. Put all pieces in a box and print free shipping label from site.

Donation Town donationtown.org Matchmaking for items and charities that pick up.

Clip and save for future use


B-2

Housing Options | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

Benefits from a multigenerational home By Adriana Lopez, Nest.com The pandemic has undoubtedly changed our lives in many ways. One outcome is that an increasing number of families share their homes with multiple generations. While this living arrangement might not work for everyone, it does have its own set of unique benefits. A multigenerational home consists of at least two generations of family living together. Whether it’s an older adult child and their parents or a married couple and their young children and parents, the term essentially means that more than one generation lives together under the same roof. Living together with other family members certainly has its challenges, but some people see benefits. There are many factors to consider before determining whether living in a multigenerational home is right for you. People in different age groups will have different lifestyles and different needs. Living under the same roof can cause conflict about schedules, sharing bathrooms and mealtimes. Whether it’s a lack of privacy, space, or free time, having many people together under one roof can feel constricting for some people. If you’re living with an elderly family member, delineating caregiver responsibilities can cause issues. The same applies if there are in-

fants or young children in the house. While living in a multigenerational home certainly has some challenges, there are also many benefits. First, sharing a home with other family members means that you’ll share costs like utilities, mortgage and other monthly expenses. Of course, the social benefits can be more valuable than savings. When a multigenerational family lives under the same roof, children can spend quality time with their grandparents in their golden years.

Unique benefits Here are some other positive effects of cross-generation cohabitation: Homeowner responsibilities: With more people living in the home, you can assign different duties to each family member, such as mowing the lawn, washing dishes or cleaning bathrooms. Safety: If you have elderly family members living with you, they’ll be safer than if they were on their own. The younger people can also be a great help to the elders by running errands and simply monitoring them in case of an emergency. Family activities: Whether it’s growing a family garden, arranging a family game night, or just watching your favorite TV shows together, family activity time is easier to schedule when multiple generations are living in one house.

Teaching younger generations: Living in a multigenerational home is an excellent way for younger family members to learn skills from the older generations. From learning how to cook from scratch to how to use power tools, this is an excellent opportunity to help your children thrive and grow through learning from their older relatives.

How to make it work Here are some tips for fostering a successful multigenerational setup: —Assign each family member a specific chore so that everyone plays a role in maintaining the household. —Make sure you have ample room, including bathrooms and bedrooms, before you make the change. —Talk to your real estate agent about the possibility of upgrading to a multigenerational home so they can help you find the right size and type of dwelling. —Discuss the idea with your children beforehand so that they understand the new change and aren’t taken by surprise. —Talk to other family members in advance about expectations, including sharing expenses and household duties, so everyone understands their role. —Create private spaces — including the back yard, garage, basement, or a separate room — so that everyone has enough space to stretch out and enjoy some privacy.

Key things to consider

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You can choose to undergo a complete house remodel, or you might decide to purchase a larger home to accommodate your growing family. Here are some key things to consider when you’re looking for a multigenerational home: Insurance changes: Make sure you contact your homeowner’s insurance

See MULTIGENERATIONAL, page B-5

24 locations for older adults in Maryland, including the Jenkins Senior Living Community Conveniently located near I-95 in southwest Baltimore, the 25-acre Jenkins Campus offers skilled nursing, assisted living, adult day services St. Ann Adult Day Services and supportive, affordable apartment living with 667-600-2680 a spectacular view of the Baltimore skyline Activities, socialization and medical supervision so older adults can continue to St. Elizabeth Rehabilitation live at home. and Nursing Center Senior Communities 667-600-2600 APARTMENTS 667-600-2280 Short-term rehabilitation and skilled nursing, AVAILABLE Supportive, affordable long-term and memory care. apartment communities. 2021 Newsweek Total of 24 locations in Maryland, home to more than 1,800 older adults. Top 15 Nursing Homes in Md. DePaul House and St. Joachim House are on the Jenkins Campus. Caritas House IMMEDIATE Answers for Aging Assisted Living OPEN

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provider to update them about the change. You may need to extend coverage to protect the belongings of your other family members. Or if you’re building an addition or adding outdoor structures, you will need to raise your coverage limits. Shared spaces and family rooms. Will your living room be large enough to accommodate the entire family? Look for a home with a roomy shared space where everyone can spend time together comfortably. Finished basements. A basement can double as an extra bedroom, workout space or laundry room. Consider homes with a finished basement to give you more usable square footage. Kitchen. The kitchen will need to be large enough for everyone to use without feeling cramped. You can also find homes that include two full kitchens, such as a duplex where each generation will have their own separate cooking space. Bathrooms for adults: Having enough bathrooms can be challenging, so make sure your new home either has a full bath for each adult or, at minimum, a half-bath where they can have privacy and share the full bath for showers and bathing. Bathrooms for kids. Make sure your home has enough bathrooms for everyone to use without conflict. A separate bathroom for the kids is ideal, especially if they need to get ready for school in the morning. Bedrooms for kids. It’s essential that the home has ample bedrooms for all family members. If you have two kids, consider having them share a bedroom with a bunk bed unless you have enough bedrooms for everyone to have their own. TV rooms. The living room or family room can work well as a TV room, but you can also place another TV in the basement

667-600-2100 or toll-free 1-888-50ASKUS (MD only)

Telephone-based information and referral service for older adults and caregivers.

www.cc-md.org/seniors Inspired by the Gospel mandates to love, serve and teach, Catholic Charities provides care and services to improve the lives of Marylanders in need. Catholic Charities welcomes people regardless of faith and is an Equal Housing Opportunity provider.


BALTIMORE BEACON — OCTOBER 2021

Where to donate From page B-1 wanted items? “They are sent to our recycling center, where they are bailed, packaged and sold as salvage,” Balog said.

What to do before donating It’s always a good idea to check an organization’s website or call them to determine current hours of operation, where and how to drop items off, or whether free pick-up is available. Drop your items during store hours and in deposit locations; some overzealous dehoarders have engaged in overnight dumping, which burdens the organization with the expense of trash removal. If you have a large pile of items, or just items that are large, free pick-up may be available directly through the organization or a shared transportation service. The Salvation Army makes things easy by letting you schedule a free pick-up directly on its satruck.org website. In operation since 1865, it has more than 7,000 U.S. locations and many drop-off sites as well. GreenDrop is a service that picks up items donated to the American Red Cross, Military Order of the Purple Heart, National Federation of the Blind (based in Baltimore) and the Society of St. Vincent de Paul. This shared transportation service operates in the Mid-Atlantic region as well as Washington, D.C. and Virginia. Perhaps you would like to direct your

donations to stay local or go to specific causes. For example, if you would like to help military veterans, American Veterans (AMVETS) was founded in 1944 and chartered by an act of Congress to do just that. With more than 250,000 members nationwide, they assist veterans, their families and survivors with programs funded by proceeds from AMVETS Thrift Stores.

Say you saw it in the Beacon | Housing Options

have accumulated a lot of medical equipment you don’t know what to do with: wheelchairs, walkers, crutches, canes, scooters, even hospital beds. The Maryland Durable Equipment ReUse Program is a unique statewide initiative that provides free durable medical equipment (DME) to Maryland residents in need. DME donations are always sanitized and can be repaired.

Diapers, gowns, medical equipment Despite the pandemic purging, some local organizations found bare shelves during a time of need. ShareBaby experienced “greatly” increased demand for diapers and gently used baby essentials while supplies declined, said warehouse coordinator Tonya Bond. In addition to clothes outgrown, many closets are stuffed with gowns worn once or professional clothes now retired. Hold on to the pictures, but perhaps let go of the dress. If you are inclined to make another bride beautiful for their wedding day, Fairytale Brides on a Shoestring in Rockville, Maryland, sells wedding gowns at reduced prices to help brides on a budget. The Priceless Gown Project was founded in Baltimore in 2004 to provide free prom dresses to high school seniors who cannot afford them on their own. If your work life has changed and your professional clothes are no longer needed, donate them to Dress for Success Greater Baltimore, which helps women look their best for job interviews. If you have been a caregiver, you may

Furniture, instruments, Legos Have remodeling projects left you with piles of extra tile, doorknobs not chosen and fixtures cast off? Habitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, home accessories, building materials and appliances to the public at a fraction of the retail prices. Proceeds are directed toward the local community. Many families have a stash of long-for-

B-3

gotten musical instruments played for a while and then thrown into the corner of the attic. Dig them out and help others discover their musical talent by donating to Hungry for Music, established in 1994. They even give new life to instruments that need repair and refurbishing. Pianos can be hard to donate, depending on their size and condition. Pianos for Education will pick up your piano for free if it meets their requirements. On the smaller side, Lego Replay has teamed up with Give Back Box to collect, clean and donate Legos to organizations like Teach for America. Finally, for those needing more help in pairing their donations with the right charity, Donation Town will connect your items to their perfect match. Donation Town is a national directory of donation pick-up services that is free for all donors and charities.

Enhance

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B-4

Housing Options | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

Two ways to utilize a reverse mortgage By Steven J. Sless Reverse mortgages have gone through many transformations and improvements in recent years. No longer considered “loans of last resort,” they are becoming increasingly popular with homeowners age 60 and up who have equity in their homes and want to bolster their nest egg. In short, reverse mortgages can pay off and replace a traditional mortgage loan, reducing the burden of a mandatory monthly payment — and resulting in immediate savings. That savings can be used in a variety of ways, but let’s focus on just two: purchasing a new home and creating a buffer asset.

Buying a new home Qualified buyers age 62 and older can purchase their next primary home with a reverse mortgage. It’s called a Home Equity Conversion Mortgage (HECM) for Purchase. And it’s tailored to better suit the needs of the growing number of aging home buyers. Whether you want to upsize to the home of your dreams or downsize to a home more suited for your long-term needs, using an HECM for Purchase may be a better option than paying cash or taking out a 15-, 20- or even a 30-year mortgage at this stage in life.

Simply put, a HECM for Purchase loan combines a reverse mortgage with the equity from the sale of your previous home — or from other savings and assets — to buy your next primary home in one single transaction. Regardless of how long you live in the new home or what happens to your home’s value, you only make one down payment of roughly 50 percent towards the purchase, provided that you pay property taxes and homeowner’s insurance, maintain the property, and occupy the home as your primary residence. Once the purchase is complete, you can choose to make payments on the mortgage, or defer payback until the last remaining borrower permanently leaves the home. There is no mandatory mortgage payment, making this a great way to preserve cash flow later in life, while aging in a safe place suitable for long-term needs.

Using home equity as a buffer Some astute investors will set up a “buffer asset,” which is a bucket of money outside their investment portfolio that can be strategically used when needed. The wealthiest people typically have enough cash saved to ride out shifts in the market so they don’t need to tap into their portfolios during economic downturns. Most folks nearing retirement or cur-

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rently retired don’t have that kind of cash lying around. But homeowners 60 and up do have what is usually their largest asset: their home. Monetizing the home with a reverse mortgage is a safe and effective strategy to create a buffer asset of tax-free money that can be used for comprehensive financial planning. With adjustable-rate reverse mortgages, qualified homeowners can establish a line of credit as a bucket of cash — guaranteed to be there in reserve until needed. The line of credit comes with a guaranteed growth rate of .5 percent over the loan’s interest rate, giving you more borrowing power each year it’s in place. Interest rates on these loan products are subject to change, but consider this example. A 65-year-old borrower who takes out a reverse mortgage at an interest rate of 3 percent would see a growth rate of 3.5 percent. If that borrower opens a $100,000 line of credit, in 20 years that line of credit will be worth $204,000, provided that no withdrawals were taken from the $100,000. (There are no time restrictions on HECM lines of credit; however, jumbo reverse mortgage credit lines do have a 10-year draw period.) Reverse mortgages also can help meet income needs in the event of a down market, preventing you from locking in market

losses or having to sell stocks at a loss for living expenses. Strategically accessing home equity with a reverse mortgage during times of economic uncertainty can give your portfolio an opportunity to recover from a market drop. Incorporating housing wealth during retirement years can limit the amount of money you need to draw from your investment portfolio, allowing those assets to grow at a higher rate. Using all of your assets instead of just some can extend the longevity of your nest egg. Most people don’t think of reverse mortgages as a way to extend the longevity of an investment portfolio, but today’s reverse mortgages are now recommended by some financial advisers and retirement researchers as part of a comprehensive financial plan to increase cash flow and help create a more comfortable retirement. Because reverse mortgages are federally insured, they can never be suspended, frozen or reduced regardless of what happens to the home value or market conditions so long as the terms of the loan are met.

Loan costs Reverse mortgage borrowers must pay See REVERSE MORTGAGE, page B-5


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Say you saw it in the Beacon | Housing Options

BALTIMORE BEACON — OCTOBER 2021

From page B-2 so that some family members can watch what they want without being disturbed. Private spaces: Even if you love spending time together, having a private space is important. You may want to adapt an existing room to make it a private space. Consider adding a wall to break up a large room into separate rooms. Whether it’s a room over the garage or a reading nook, a private space helps keep the peace. Home office: If a family member works from home, they should have their own private office space to work undisturbed. Bedrooms for adults: A two-story or

Reverse mortgage From page B-4 2 percent of the home value, either up front as part of the closing costs or financed into the loan. Also, 0.5 percent of the ongoing mortgage balance is added to the loan each year for federally-backed insurance, which makes reverse mortgages non-recourse loans. In other words, no debt from the reverse mortgage loan can be passed on to your heirs or your estate when the loan becomes due and payable. Most other costs — such as title, municipality, counseling and appraisal fees and mortgage insurance premiums on federal-

split-level home is ideal for multigenerational homes with adults. You can give the parents the master bedroom, while young adults can have the remaining bedroom(s) on a separate floor. Accessibility: Consider the unique needs of older family members and determine if you’ll need to build a wheelchair ramp or add other universal design features to ensure safety and improve accessibility for all. Relaxing spaces: If you have the extra room, designate a quiet part of the home for reading, meditating and generally relaxing. Outdoor spaces: Make sure your yard is large enough so the kids have an out-

ly-backed reverse mortgage loans — can be financed in the loan. The origination fee is subject to the lender. To be clear, reverse mortgages aren’t for everyone. Take ample time, explore your options and seek professional advice before deciding if this is the right option for you. Steven J. Sless, CLTC® (NMLS: #298581 MLO: #49963) is president of The Steven J. Sless Group of Primary Residential Mortgage, Inc., the lender’s national division dealing exclusively with reverse mortgages. For more information, visit TheStevenJSlessGroup.com, call (410) 814-7575 or follow @MoreWithSless on Facebook, Twitter, LinkedIn or Instagram.

door place to play. If you have pets, this is also an important thing to consider. A pool isn’t necessary, but it can be an excellent distraction for the kids during the summer when school is out. Garages: If you have several cars, consider a home with a garage that can accommodate all of them. Garages also make great workshops and provide extra storage for tools and other large items. Decks: A deck is an attractive option for multigenerational homes. You can use it to barbecue, sunbathe, or just to give family members a nice place to relax outdoors. Greenhouses: If you have a green

thumb, consider adding a greenhouse to your backyard where you can grow your favorite veggies and other plants. Whether it’s the COVID pandemic itself or the economic impact, there are many reasons why this living arrangement might be right for you. Caring for your parents or sharing the responsibilities of caring for younger kids can be easier when you’re all under the same roof. Remember that while living in a multigenerational household has its challenges, it’s also a fantastic way to strengthen family relationships that will last a lifetime. Originally posted on Porch.com.

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FREE HOUSING AND OTHER INFORMATION

For free information from advertisers in this special section, check off those that interest you and mail this coupon to the Beacon. All coupons received by November 1 will be entered into a random drawing for the trip. You need not request advertiser info to win. ❑ Charter Senior Living of ❑ Weinberg Manor West . . . . . . . . .B-8 AGING IN PLACE/DESIGN: Woodholme Crossing . . . . . . . . . .B-3 ❑ Weinberg Place . . . . . . . . . . . . . .B-8 ❑ EAC Interior Design . . . . . . . . . .B-63 ❑ Christ Church Harbor Apts . . . . . .B-6 ❑ Weinberg Terrace . . . . . . . . . . . . .B-8 HEALTH: ❑ Cottages of Perry Hall, The . . . . . .B-3 ❑ Weinberg Village Community . . . .B-8 ❑ Keswick Community for Life . . . . .B-4 ❑ Oak Crest/Erickson . . . . . . .B-2, B-7 ❑ Weinberg Woods . . . . . . . . . . . . .B-8 ❑ Meals on Wheels . . . . . . . . . . . . .B-6 ❑ St. Mary’s Roland View Towers . . .B-4 ❑ Zen at Stadium Place . . . . . . . . .B-3 ❑ Weinberg Gardens . . . . . . . . . . . .B-8 REAL ESTATE: HOUSING COMMUNITIES: ❑ Catholic Charities Senior Services . .B-2 ❑ Weinberg House . . . . . . . . . . . . .B-8 ❑ NTR Home Buyers . . . . . . . . . . . . . . .B-5 ❑ Charlestown/Erickson . . . . .B-2, B-7 ❑ Weinberg Manhattan Park . . . . . .B-8 ❑ Weinberg Manor East . . . . . . . . . .B-8 VOLUNTEERS & CAREERS: ❑ Charter Senior Living of Towson . . . . . . . . . . . . . . . . . .B-3 ❑ Weinberg Manor South . . . . . . . .B-8 ❑ Meals on Wheels . . . . . . . . . . . . . . .B-6

Check the boxes you’re interested in and return this entire coupon to: The Beacon, P.O. Box 2227, Silver Spring, MD 20915-2227. You may return the free info form on page 5 together with this coupon. Name __________________________________________________________________________________________________________ Address ____________________________________________________E-mail_______________________________________________ City _______________________________________________________ State ______________________ Zip ____________________ Phone (day) _______________________________________________ (eve) ___________________________________________ BB1021


B-6

Housing Options | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

Wise remodeling increases home value By Kenya Burrell-VanWormer Some remodeling choices may add value to homes, and others can actually subtract value — and some choices, such as a built-in aquarium, may make a property challenging to sell. Most remodeling projects cost more than the amount your home’s value will increase, so you shouldn’t assume that you’ll recoup every cent you spend on a homeimprovement project. However, some types of projects come closer to paying for themselves when you eventually sell.

When you’re considering selling a home, it may make sense to undertake a particular project to make the house more attractive to buyers. When you’re living in a home and intend to be there for some time, the best reason to remodel is to get more pleasure and functionality from your home. While you’re at it, making wise choices can pay off in the long run. Here are some of the best ways to get the most value from your projects: —Homeowners use kitchens to entertain.

After all, the kitchen is the heart of the home, the place people like to gather. So it’s no surprise that upgraded kitchens can be a great remodeling project. Solid-surface counters in granite, marble, Corian or Silestone are hot, as are professional-quality appliances. Stoves with more than four burners and cabinets in maple, cherry and birch make even the most jaded homebuyer swoon. —Bathrooms have become private havens, and more people are adding luxury master baths with jetted tubs or steam showers like the ones often seen in spas. Natural materials or synthetic materials that look natural (like laminate flooring) will attract buyers. —A fresh coat of paint or a new color can do wonders for your home. And if you

don’t like the color, just paint over it. —Make sure your home looks great from the outside, because a well-kept home is more attractive to potential buyers. Drive down your street and check out the neighbors’ yards. Then grab those hedge clippers and get to work. Think landscaping isn’t a big deal? Mature, beautiful trees can add thousands of dollars in value to a property, according to appraisers. Lush grass is preferable to compacted dirt. Trimmed bushes and edged grass make the whole yard look better. If your home has a porch, clean it up and make it useable. Front and back porches are selling points. See REMODELING, page B-7

BEACON BITS

Oct. 24

FIGHT BREAST CANCER

Participate in the American Cancer Society’s annual fundraiser hosted at the Harry and Jeannette Weinberg Center YMCA on Sun., Oct. 24 at 8 a.m. For more information, contact Mare Kemp at mare.kemp@cancer.org or (800) 227-2345.

Oct. 12+

MULTIPLE SCLEROSIS SUPPORT GROUP

The Carroll County Public Library hosts a multiple sclerosis support group at their North Carroll Branch the second Tuesday of each month from 6 to 7:45 p.m. Email Nadine Rosendale (nadiner@carr.org) with questions.

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Say you saw it in the Beacon | Housing Options

BALTIMORE BEACON — OCTOBER 2021

Housing News By Beacon Staff

Highly rated rehab St. Elizabeth Rehabilitation and Nursing Center in Southwest Baltimore received high praise this year from the 2020 Maryland Home Family Experience of Care Survey. In fact, 93% of residents’ families said that they would recommend St. Elizabeth Rehabilitation and Nursing Center, operated by Catholic Charities of Baltimore. Ratings for satisfaction with staff and administration of the nursing home, and of care provided to the resident, both scored at 3.6 out of a possible 4, exceeding the statewide average. When asked about the COVID-19 pandemic, 98% of families felt they received timely information from St. Elizabeth directly, and the same percentage was very or extremely positive about how St. Elizabeth responded during this challenging time. The facility received a five-star rating from the Centers for Medicare and Medicaid Services, too. The 2020 survey of 5,455 families of residents of 223 facilities was conducted by the Maryland Health Care Commission. The next survey is being conducted this fall, and a summary will be released in the winter of 2022.

Remodeling From page B-6

Keep up maintenance It sounds obvious, but fix what needs fixing. If something’s broken in your house — however minor — it can make your home less appealing and detract from the value if it’s not repaired. Even if you’re not selling in the near future, little problems don’t fix themselves and can quickly turn into big problems and a more expensive solution. Also, if you’re going to have to lay out some money to fix a problem before you sell your home anyway, you might as well fix it as soon as it breaks. That way, at least you get the benefit of the repair while you’re still living in your home. Visit your neighbors’ remodeling projects and tour model homes and furniture showrooms to check out current design

LIFE PLAN COMMUNITY

Assisted living in Maryland A study by Sixty and Me, an online publication for women 60+, found that the average Mar yland resident can afford seven years of assisted living costs. That’s slightly above the national average of six years. Sixty and Me compared the average cost of assisted living with the average amount people save for retirement. The national average cost of assisted living facilities is $51,600 per year, and most people save about $382,000 for retirement, according to Pension Capital. But the cost of assisted living in Maryland rose by 16% last year, according to the study. “When you factor in that the average person also spends approximately two years and four months in a nursing home (where the average national annual cost is $93,075 for a semi-private room and $105,850 for a private room), this means that the average person requires from around $342,000 to $372,000 to cover their long-term care costs,” according to Sixty and Me. The publication found that retirees in Missouri have saved enough to live in an assisted living facility for 10 years — the clear “winner” in the study. To read more, visit sixtyandme.com/aging/assisted-living-index. trends and identify styles you like. Make a list of the improvements you want to make. Then rank them in order of importance. You might love to take a jackhammer to your kitchen, but your priorities might depend on your budget, in which case you may have to start with painting the trim.

Ask a Realtor The value of improvements can vary from region to region and even neighborhood to neighborhood. Ask a Realtor when you’re thinking about a room addition or kitchen remodel if you want an opinion on how it might affect the resale value of your home. And if you’re getting ready to sell, a Realtor can give you advice about which remodeling projects might help your home sell faster or increase its value. —AP

BEACON BITS

Ongoing

VOLUNTEER TO HELP

Do you want make a difference in your community? Are you at least 55 years of age? Get involved in local volunteering to make friends and help others. More than 1,200 older adults volunteer through the Retired and Senior Volunteer Program (RSVP) of Baltimore County. To learn more about how you can get involved, call (410) 887-3101 or emailvolunteers@baltimorecountymd.gov.

Ongoing

B-7

PET LOVERS NEEDED

Do you enjoy walking dogs or cuddling cats? Baltimore County Animal Services is seeking volunteers to socialize with adoptable pets, construct toys and beds or host off-site events. To learn more about volunteer opportunities, please contact our Volunteer Coordinator at bcasvolunteer@baltimorecountymd.gov.

Oak Crest 1-800-333-5693 8820 Walther Boulevard Parkville, MD 21234 www.OakCrestCommunity.com Experience Vibrant Living at Oak Crest A warm, welcoming environment. Modern apartment homes with contemporary finishes. Resort-style amenities. Clubs and activities for engaged living. All of this and more awaits you at Oak Crest, a beautiful 87-acre senior community nestled in Baltimore County. You’ll enjoy maintenance-free living with a predictable Monthly Service Package that includes virtually all services. Our 90% Refundable Entrance Fee* provides peace of mind for you and your loved ones. And should you ever need them, advanced care options are available right on campus. We’d love to send you a free brochure and answer your questions. Please call 1-800-333-5693 today. *Carefully read the Residence and Care Agreement for the conditions that must be satisfied before the Provider is required to pay the entrance fee refund

ASSISTED LIVING INDEPENDENT LIVING COMMUNITY

Weinberg Manor Campus 410-783-7333 3617 Fords Lane Baltimore, MD 21215 Experience the very best in affordable senior housing at Weinberg Manor Campus in Northwest Baltimore. We offer studio, 1, and 2 bedroom apartments for seniors age 62+, and residents of all ages with a disability. Our community provides a wide range of wellness and recreational opportunities for residents to enjoy: • Kosher Eating Together Dining Program • Shuttle service for grocery shopping & special trips • Service Coordinator to help with benefit programs • Arts & Crafts, and Billiards & Game Rooms • Smoke-free Environment Pets are welcome; income limits apply. Call us to schedule a virtual tour or visit www.weinbergmanors.com for more information.

LIFE PLAN COMMUNITY

Charlestown 1-800-222-9651 715 Maiden Choice Lane Catonsville, MD 21228 CharlestownCommunity.com The Best of Everything is at Charlestown Experience the finest in maintenance-free senior living at our beautiful 110-acre campus. You’ll enjoy resort-style amenities, clubs and activities, delicious dining, and services that promote your health and well-being, including on-site medical care for every stage of your life. Our stylish apartment homes feature modern finishes and floorplans to suit every need. Our predictable Monthly Service Package takes the guesswork out of managing your expenses, because almost everything is included. And our 90% Refundable Entrance Fee* means your legacy is protected.Call1-800-222-9651 to request your free brochure or to arrange an in-person or virtual tour. *Carefully read the Residence and Care Agreement for the conditions that must be satisfied before the Provider is required to pay the Entrance Fee Refund.


B-8

Housing Options

PULL OUT AND KEEP THIS SPECIAL SECTION

OCTOBER 2021 — BALTIMORE BEACON


Say you saw it in the Beacon

BALTIMORE BEACON — OCTOBER 2021

Money

15

Law &

Lost your marriage license or Medicare card? Learn how to replace them on page 16.

How to decide if you can afford to retire By T. Eric Reich Many people looking to retire in the nottoo-distant future question whether they can afford to retire. In the absence of a clear understanding of what their future retirement income will look like, most of those folks hoping to retire will simply choose to work longer out of fear of the unknown. In the same vein, some who are already retired live too frugally to enjoy their retirement because they just don’t know how much they can safely afford to spend. They err on the side of caution and underspend. Many times, these fears are compounded when markets are close to all-time highs, like they are right now. The concern is that if (when) the markets correct, people won’t have as much money as they do now, and they are already nervous about having enough retirement savings to live on today, let alone if the market drops 20% to 30%.

First, figure your Social Security So, how do you know if you’ll have enough? First, log onto SSA.gov and set up an account to view your current Social Security statement. You’ll want to know what you can expect as a monthly benefit. Don’t forget that you will likely need to

reduce that number somewhat to account for Medicare Part B premiums, taxes, etc. If you are married, then you will want your spouse to do the same. Once you have these figures, you can determine what each of you can expect as a monthly benefit. Sometimes you might find that 50% of your spouse’s benefit is higher than your own. If that’s the case, you get the higher of those options (this assumes a full retirement age benefit — claiming earlier or later af fects those numbers). Many times, near retirees underestimate what their Social Security benefits will be in retirement, which causes them to question if they can afford to retire.

thing into very low-risk investments might not get you the income you require. Likewise, you can’t just “keep doing what you’ve been doing” either. You will likely need to make changes to the portfolio as you enter a new stage of life. I would advise that removing several years’ worth of required income from the stock market may be a good idea to protect your retirement income against a large market correction in the early years of retirement. This can help mitigate sequence-of-return risk. That’s important because the order — or sequence — of investment returns experienced throughout retirement can have a big impact on your portfolio’s value over time. Pulling money out while stocks are falling, especially early in retirement, can cause a deficit that’s tough or even impossible to overcome. If you are able to reduce your sequence of return risk by avoiding the need to sell low, then you may be able to spend a larger percentage of your portfolio each year than if you don’t protect against that risk.

Many near retirees underestimate what their Social Security benefits will be in retirement.

Next, check your investments Now that we know what your benefits will be, we need to look at your investment portfolio. We caution people not to assume that a very conservative portfolio is better in retirement than a moderately aggressive one. The reality is that with interest rates as low as they are, simply moving every-

Lastly, it’s important to understand what you actually need to spend in retirement. While many expenses may go down, such as healthcare premiums, 401(k) contributions, commuting costs, etc., others may go up. For example, now that you have more free time than you had while you were working, expenses such as dining out, travel, recreational activities and others may increase. Before you retire, understand what you will need to spend and know where you can cut expenses. Don’t worry if you aren’t 100% sure what your required monthly income is. The reality is that it will change every few years as your retirement evolves. Don’t hesitate to have your financial adviser or even your CPA help you with some of these calculations. The more informed you are, the better the decisions you can make about your upcoming retirement. The opinions expressed in this commentary are those of the author. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial professional, attorney or tax adviser with regard to your individual situation. © 2021 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Why (and how) to buy umbrella insurance By Kiplinger Washington Editors An umbrella insurance policy typically covers the same things as your home and auto policies, plus a few more — including lawsuits that arise when you’re driving abroad or operating rented watercraft, or from alleged libel, slander or defamation of character. Umbrella coverage picks up where the liability limits of your homeowners and auto policies leave off. It’s usually sold in increments of $1 million. Umbrella insurance costs roughly $150 to $350 a year for the first $1 million of coverage, and about $100 per million of coverage above that. What you’ll actually pay depends on where you live (rates vary by state and the insurer’s experience there) and how many homes, cars and boats you’re insuring.

Buy from existing insurer Before most insurers will sell you an umbrella insurance policy, you must buy your homeowner’s or auto policy from them and carry a minimum amount of liability coverage — typically $300,000 on your homeowner’s policy and, on your auto insurance, $250,000 for bodily injury to one person and $500,000 per accident, according to the Insurance Information Institute. Most insurers cap the home and auto liability coverage they will sell you at $500,000 or $1 million. It’s usually more cost-effective to buy an umbrella policy than to increase your liability coverage beyond the minimum required by your insurer. If you buy your home and auto insurance from the same insurer, you’ll typically get a discount of 10% to 15% on your annual premiums, and you may get an additional

discount on the umbrella policy. You can offset at least some of the umbrella premium by taking larger deductibles on your auto and home insurance policies. With a single insurer, your coverage is less likely to fall through the cracks if the requirements for the umbrella policy change. And if you’re sued, you’ll have one set of defense lawyers for the entire case. Agents typically advise you to buy the umbrella policy from your auto insurer because most large lawsuits involve auto accidents. If your current home or auto insurer won’t sell you an umbrella policy — because your dog’s breed is reputed to have a bad claims history, for example, or your family has had too many fender benders — ask an independent agent who represents multiple insurers to help you find a “standalone” umbrella policy.

Endorsements to consider Consider adding an endorsement to an umbrella policy for excess uninsured/underinsured motorist coverage, which covers you not only as a driver but as a passenger, bicyclist or pedestrian if you’re hit and the at-fault driver doesn’t carry enough insurance. It costs $100 to $200 per policy. If you serve as a volunteer on a nonprofit board, your homeowner’s and umbrella policies typically cover you for bodily injury and property damage — but probably not for all potential lawsuits. An endorsement for your umbrella policy for directors’ and officers’ coverage typically costs less than $1,000 a year for $1 million to $2 million of coverage. All contents © 2021 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.


16

Law & Money | Subscribe online! See how on p. 26

OCTOBER 2021 — BALTIMORE BEACON

How to replace lost/missing documents that are destroyed, lost or stolen is pretty Dear Savvy Senior, Can you tell me what I need to do to easy once you know where to turn. Here are the replacement replace a variety of imporresources for each document tant documents? Our house you mentioned. burned down a few months Birth certificates: If you ago, and we lost everything, were born in the United States, including our home propercontact the vital records office ty deed, car titles, old tax rein the state where you were turns, Social Security and born (see CDC.gov/nchs/ Medicare cards, birth cerw2w/index.htm for contact intificates, marriage license formation). This office will give and passports. you specific instructions on —Stressed Seniors SAVVY SENIOR what you need to do to order a Dear Stressed, certified copy and what it will I’m very sorry for your By Jim Miller cost you — usually between loss, but you’ll be relieved to $10 and $30. know that replacing important documents

BEACON BITS

Ongoing

REPORT FRAUD AND SCAMS

If you are aware of scams or business fraud, you can report your concerns on BBB.org/scamtracker. You can also report it to the FTC at reportfraud.ftc.gov or by calling 1-877-FTC-HELP. Or go to ic3.gov/complaint to report an Internet-related scam.

Oct. 2

WEALTH GAP SUMMIT

The Generational Wealth Diversity Summit at the Reginald Lewis Museum includes panel discussions moderated by the Baltimore Association of Black Journalists on reducing the wealth gap for minorities and women. This free event takes place Sat., Oct. 2 from 10 a.m. to 2 p.m. For more information and to register, visit bit.ly/WealthDiversityGap.

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01234 55675333

Baltimore County Department of Economic & Workforce Development The Baltimore County Career Center s , a proud par tner of the Amer ican Job Center s , provide equal oppor tunity and access to all of its ser vices , resources and programs . Aux iliar y aids and ser vices are available to individuals with a disability and/or those needing language inter preter ser vices with advanced reques t. TTY user s call via the Mar yland Voice Relay Ser vice at 711.

Marriage license: For this record, contact the vital records office of the state you were married in to order a copy (the same CDC website above will direct you). You’ll need to provide full names for you and your spouse, the date of your wedding, and the city or town where the wedding was performed. Fees range from $10 to $30. Car titles: Most states offer replacements through a local department of motor vehicles office. You’ll need to complete a replacement title application form and pay the application fee, which varies by state. To get an application, go to DMV.org, pick your state, and print it or fill it out on the site. You’ll need to show ID and proof that you own the car, such as your vehicle registration or your license-plate number and VIN (vehicle identification number). Property deed: To access your house deed, contact your county clerk’s office, where deeds are usually recorded. You may be charged a small fee to get a copy. Social Security cards: In most states (except in Alabama, Minnesota, Nevada, New Hampshire, Oklahoma and West Virginia), you can request a replacement Social Security card online for free at SSA.gov/myaccount. For more information or to locate the Social Security office that serves your area, call 1-800-772-1213 or see SSA.gov/locator.

Medicare cards: If you are enrolled in original Medicare, you can replace a lost or damaged Medicare card by calling Medicare at 1-800-633-4227, or by logging into your MyMedicare.gov account. If, however, you get Medicare health or drug benefits from a Medicare Advantage Plan, such as an HMO, PPO or PDP, you’ll need to call your plan to get your card replaced. Tax returns: To get copies of old tax returns, start with your tax preparer, who usually keeps copies of your returns on file. You can also get copies of federal returns directly from the Internal Revenue Service. You’ll need to fill out and mail in IRS Form 4506. To download this form, visit irs.gov/pub/irs-pdf/f4506.pdf or call 1-800829-3676 and ask them to mail you a copy. The cost is $43 for each return requested. Passports: You can apply for a replacement passport at a Passport Application Acceptance Facility. Many post offices, public libraries and local government offices serve as such facilities. You can search for the nearest authorized facility at iafdb.travel.state.gov. The fee is $145. 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.


Say you saw it in the Beacon | Law & Money

BALTIMORE BEACON — OCTOBER 2021

17

Billions in lost pension, retirement funds For years, members of Congress have because their former employers changed been trying to pass legislation that will allow their names, addresses or structure. the federal government to es“Currently, thousands of intablish a centralized database dividuals contact pension to help retirees locate their pencounseling projects and govsion and 401(k) plans. There ernment agencies each year are billions of dollars in retireseeking help in finding their ment accounts that have been lost pensions. This important lost, for a variety of reasons. bill will close a critical and tooSens. Steve Daines, R-Mont., long-overlooked gap in our naand Elizabeth Warren, D-Mass., tion’s private retirement sysre-introduced the Retirement tem.” Savings Lost and Found Act of Under current law, when a THE SAVINGS 2021 in May. company has changed its name GAME or address or has been bought or sold, it notifies the IRS and A centralized database By Elliot Raphaelson The act would require the the IRS shares this information secretaries of Treasury, Labor and Com- with Social Security. However, retirees don’t merce to create a database at the Pension have access to this information. Benefit Guaranty Corporation (PBGC), Under the proposed act’s provisions, which is the federal pension insurance pro- these changes will be incorporated into the gram, so that individuals can access infor- Office of Retirement Savings Lost and mation about lost retirement plans. Found database maintained by the PBGC. Under the act, if your plan changes its Ferguson hopes the act’s provisions can be name or address, or is sold after you leave changed so that plan sponsors can also vola company, your former employer will be untarily send historical information about required to forward this information to the past changes to the PBGC. database. Karen Ferguson, president of the Pension Tracking small accounts, too Rights Center, indicated that “this will help The act also contains provisions that reretirees locate the pension and other retire- quire plan sponsors who force out small ment benefits they earned but cannot find accounts of $1,000 or less to send the ac-

count balance to the Office of Retirement Saving Lost and Found when the account holder does not respond to communications or fails to cash a check. Individuals will be able to go to the database to find their lost money. The bill requires reporting to the PBGC for unclaimed forced-out accounts in excess of $1,000 but less than $6,000 that are transferred to an IRA. Individuals with such forcedout accounts will be able to search the database to find contact information for the financial institution holding their IRA. The bill raises the force-out limit from $5,000 to $6,000. A 2014 report by the Government Accountability Office found that from 2004 to 2013, there was $8.5 billion in lost retirement accounts with balances of $5,000 or less. When employees leave a job with account balances of $5,000 or less, they often don’t keep track of these accounts. Owners later use many sources to try to find information about their lost accounts. Some access state unclaimed-asset data-

bases; others contact the Pension Rights Center, their prior employer, pension counseling projects, the PBGC or the Labor Department. Unfortunately, because there is no centralized database, it takes a lot of work to find the plans. Congressional representatives, the Pension Rights Center, AARP, the American Benefits Council, and the ERISA Industry Committee have indicated the need for a centralized database. Yet Congress has been unable to pass the necessary legislation. You can help light a fire under your congressional representatives by writing or phoning to tell them to pass the Retirement Savings Lost and Found Act of 2021 (S.1730). Don’t restrict your contact to only your representatives in the Senate and House. You should also contact Mitch McConnell and Nancy Pelosi. Elliot Raphaelson welcomes your questions and comments at raphelliot@gmail.com. © 2021 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

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Social Security Disability Appeals to Federal Court By Aaron Moss, Esq. Last month’s article discussed Social Security disability appeals to the Appeals Council (AC). This article picks up where last month’s ended, but for more information about qualifying for disability, please call 877-771-0294. If you received a denial from the AC, you can appeal to Federal District Court. As with appeals throughout the administrative process, a civil action must be filed in Federal court within 60 days after you receive notice of the AC denial. The process of appealing and receiving a decision from Federal court often can take at least a year. At the Federal court stage, the judge can either uphold the Administrative Law Judge's (ALJ) decision, remand the ALJ decision back to the Social Security Administration for further proceedings, or reverse the ALJ decision and find that you are disabled. Appeals to the Federal court are more complicated and costly than appeals throughout the administrative process with the Social Security Administration. Unlike prior appeals during the disability process, appealing to the Federal district court has a filing fee. This fee can be waived if you are able to prove to the court that you are unable to afford the fee. Due to the increased complexity of Federal court appeals, it is strongly recommended that you obtain an attorney to represent you. Your attorney (or yourself) will file a complaint in

Federal court against the Social Security Administration. The court will then issue a summons, which must be

served on a number of parties (together with a copy of the complaint). An attorney for the Social Security Administration will then file an answer in response to your complaint. At that point, your attorney (or yourself) will file an opening brief. This is a detailed argument setting forth the basis for your appeal to overturn the Social Security Administration's finding that you were not disabled. The opening brief will address any errors made by the ALJ in your case. However, keep in mind that

a claimant is not permitted to submit additional evidence to the Federal court. An attorney for the Social Security Administration will then file a Response brief, arguing why the ALJ decision should be upheld. You (or your attorney) can file a Reply brief — an additional brief addressing any arguments set forth by the attorney for the Social Security Administration in the Response brief. It is possible, but unlikely, that you (or your attorney) will need to participate in in-person arguments before the Federal court. Usually, a Federal judge is able to make a decision based upon the written arguments in front of the court. In fiscal year 2020, approximately 49% of cases were remanded to the Social Security Administration. Please note: attorney fees are considerably different for cases that reach the Federal court level of appeal, and discussion of these fees is beyond the scope of this article. Call 877-771-0294 or visit mossdisability.com for more information on how to get the disability benefits you deserve. _______________________________________ This article is attorney advertising and written for informational purposes only. The information herein is not formal legal advice and does not constitute the formation of an attorney-client relationship.


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We need a better credit reporting system By Liz Weston In some ways, the U.S. credit reporting system has improved. Credit freezes, which lock our credit information to deter identity theft, are now free and fast. We have free weekly access to our credit reports, courtesy of the credit bureaus Equifax, Experian and TransUnion, until April 20, 2022. Free credit scores provided by banks, credit card issuers and other companies allow us to easily monitor our credit for signs of fraud and other problems. Unfortunately, our credit information still isn’t as accurate, easy to obtain or secure as it needs to be. These failures mean Congress and regulators need to step in.

Errors abound in reports A 2012 study by the Federal Trade Commission found that 26% of consumers had

an error on at least one of their credit reports, while 5% reported inaccuracies serious enough to potentially trigger higher interest rates or insurance premiums. Nine years later, accuracy is still an issue. Earlier this year, Consumer Reports recruited nearly 6,000 volunteers to check their reports. The results: 34% found at least one error or account they didn’t recognize. (Unlike the longer-term FTC study, the Consumer Reports effort was not a representative sample of the population, said Syed Ejaz, a policy analyst and author of the Consumer Reports study.) There simply aren’t enough incentives for credit bureaus to get things right. Their primary customers are financial institutions that can profit if someone who’s creditworthy gets charged a higher rate because of a mistake, said independent journalist Bob Sullivan, author of Your Evil

Twin: Behind the Identity Theft Epidemic. “We say it all the time, but I feel like it’s never said enough: [Consumers] are not their customers. Banks are their customers,” Sullivan said. Because business interests dwarf consumers’ concerns, the government needs to step in. The FTC and the Consumer Financial Protection Bureau should establish stronger accuracy regulations and enforce the ones already on the books, Ejaz said.

Bureaus profit from confusion Go online and search for “free credit report,” “annual credit report” or even “AnnualCreditReport.com.” The first results are likely to be ads for websites that shill credit monitoring. The real site offering free reports is often halfway down the page, with no indication that it’s the official, federally-man-

Copper can stop germs before they spread “We don’t make product health PRQWKV ³6L[WHHQ ÀLJKWV DQG QRW D VQLIScientists have discovered a natural claims,” he said, “so I can’t say cause and ÀH ´ VKH H[FODLPHG way to kill germs fast. %XVLQHVVZRPDQ 5RVDOHHQ VD\V ZKHQ Now thousands of people are using it H൵HFW %XW ZH NQRZ FRSSHU LV DQWLPLFURpeople around her show signs of unwantagainst unwanted viruses and bacteria in bial.” He asked relatives and friends to try ed germs, she uses copper morning and the nose and on the skin. night. “It saved me last holiGerms, such as viruses and days,” she said. “The kids had bacteria, can multiply fast. crud going round and round, When unwanted germs get in but not me.” your nose they can spread and $WWRUQH\ 'RQQD %OLJKW cause misery unless you stop tried copper for her sinus. “I them early. am shocked!” she said. “My In the last 20 years, hunhead cleared, no more headdreds of studies by governache, no more congestion.” ment and university scientists A man with trouble breathshow the natural element coping through his nose at night per kills germs just by touch. tried copper just before bed. 7KH (3$ R൶FLDOO\ GH³%HVW VOHHS ,¶YH KDG LQ \HDUV ´ clared copper to be antimihe said. crobial, which means it kills In a lab test, technicians microbes, including viruses, Natural device puts copper right where you need it. SODFHG PLOOLRQ OLYH ÀX YLbacteria, and fungus. The National Institutes of Health says, it. They reported the same thing, so he ruses on a CopperZap. No viruses were “The antimicrobial activity of copper is patented CopperZap® and put it on the found alive soon after. Some people press copper on a lip market. now well established.” Soon hundreds of people had tried it. right away if a warning tingle suggests Ancient Greeks and Egyptians used copper to purify water and heal wounds. The feedback was 99% positive if they unwanted germs gathering there. The handle is curved and textured to They didn’t know about microbes, but used the copper within 3 hours after the increase contact. Copper ¿UVW VLJQ RI XQZDQWHG now we do. can kill germs picked up on Scientists say the high conductance of germs, like a tickle in ¿QJHUV DQG KDQGV DIWHU \RX copper disrupts the electrical balance in a the nose or a scratchy touch things other people microbe cell by touch and destroys it in throat. have touched. Early user Mary seconds. The EPA says copper still Some hospitals tried copper for touch Pickrell said, “I can’t works even when tarnished. surfaces like faucets and doorknobs. This believe how good my Made in America of cut the spread of MRSA, and other ill- nose feels.” pure copper. 90-day full “What a wonderful nesses, by over half and saved lives. money back guarantee. 7KH VWURQJ VFLHQWL¿F HYLGHQFH JDYH thing!” exclaimed Phy3ULFH *HW R൵ inventor Doug Cornell an idea. He made sician’s Assistant Jueach CopperZap with code D VPRRWK FRSSHU SUREH ZLWK D WLS WR ¿W LQ lie. Another customer Dr. Bill Keevil: Copper MDSB7. asked, “Is it supposed the bottom of his nose. quickly kills viruses. www.CopperZap.com or The next time he felt a tickle in his to work that fast?” Pat McAllister, 70, received one for call toll-free 1-888-411-6114. nose that felt like a cold about to start, he %X\ RQFH XVH IRUHYHU rubbed the copper gently in his nose for Christmas and called it “one of the best Statements herein are not intended presents ever. This little jewel really 60 seconds. and should not be interpreted as product “The cold never got going,” he ex- works.” )UHTXHQW ÀLHU .DUHQ *DXFL XVHG WR health claims, and have not been evaluatclaimed. “That was September 2012. I use copper in the nose every time and I VX൵HU DIWHU FURZGHG ÀLJKWV 7KRXJK VNHS- ed by the FDA. Not claimed to diagnose, tical, she tried copper on travel days for treat, cure, or prevent any disease. have not had a single cold since then.” (paid advertisement)

dated place to get free credit reports. People are understandably confused when they click on the other links and are asked for a credit card — often after they’ve input sensitive information, including their Social Security number and birthdate. (NOTE: The real site doesn’t require a credit card.) Consumers are even more dismayed when their supposedly free credit reports turn into a recurring subscription that could cost $20 to $40 a month. The real site should be the first search result for keywords related to free credit reports. Also, any company buying ads for these keywords should be required to have a prominent button saying something like, “Looking for AnnualCreditReport.com? Click here” with a link to the correct site. Unfortunately, the search engines, credit bureaus and other companies selling credit monitoring are unlikely to do this on their own, so lawmakers need to act. While we’re at it, let’s ditch the idea that access to our credit reports should be only once a year, or whatever cadence the bureaus decree. It’s our data, typically collected without our permission and with no way to opt out. If the credit bureaus won’t expand our access, Congress should.

How consumers get blocked More than one out of 10 people in the Consumer Reports study said it was “difficult” or “very difficult” to get their credit reports, often because they couldn’t answer the bureaus’ identity verification questions. You know who doesn’t have trouble with those questions? Identity thieves. They use information culled from database breaches, such as the massive one at Equifax that exposed sensitive financial data of most adult Americans, to access people’s credit reports with relative ease. “You don’t remember who holds your mortgage because it’s been sold five times. But a criminal has got all the information right in front of them,” Sullivan said. One solution is to make the information in credit reports, primarily Social Security numbers, less valuable. These numbers were meant to track our earnings history, not to be an all-purpose identifier. Stolen Social Security numbers allow criminals to open fraudulent credit accounts, steal tax refunds, get medical care using someone else’s insurance, and even pose as someone else if they get arrested. Other countries have separate identification systems for different uses. So should we. Another, more dramatic but perhaps necessary reform suggested by Consumer Reports: Credit reports should be frozen by default, which means consumers would have to consent before their information could be shared. You don’t have to wait for government reform, of course. You can freeze your credit reports for free right now. —AP/NerdWallet


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Travel

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Leisure &

The UA Flight 93 Memorial (above) is one of three on the 9/11 National Memorial Trail. See story on page 20.

Explore Turks and Caicos Islands, reefs large dining room, open on the sides to gentle ocean breezes. If your idea of a great vacation is to sit by a pool under an umbrella with a cool breeze blowing over you from a sparkling ocean as a waiter brings you an icy rum punch on a tray, then this resort is your kind of place. Your greatest stress here might be waiting for a seat at the outdoor café overlooking the ocean. The food is a curious mix of British tasties, such as toffee pudding, fantastic local seafood, and Caribbean jerk dishes with a bit of spice and “peppa.” For variety, the resort has a sushi restaurant and a seafood restaurant, too. Try the conch fritters, local red snapper, lobster, jerk chicken, crab and rice, conch ceviche, peppa joy hot sauce and coconut conch chowder, washed down with rum punch made with local Bambarra rum.

PHOTO COURTESY ALEXANDRA RESORTCREDIT

By Diane York In the Turks and Caicos Islands, the sun starts out mellow and low, but by mid-morning it’s a slashing bright blanket of heat. Everything on these Caribbean islands is intense: the bougainvillea blooms in vivid shades of purple, pink, red and orange, while the plumeria tree is covered in fragrant yellow blooms. The sky is a true blue you only see when the air is pure and clear. These 40 Caribbean islands have pristine white sand beaches and the cleanest ocean water you’ve ever seen. The water is a treasure — turquoise and clear all the way to the polished white-sand bottom, where tiny silver fish flash about. A family vacation brought me to the Turks and Caicos Islands. My son, daughter-in-law and three teenage granddaughters flew from Colorado to rendezvous with me in July for a week of sun, swimming and, most of all, a reunion. We stayed in a four-bedroom villa at the Alexandra Resort on Grace Bay Beach, with spectacular views of the sea and sky. The beach, rated number four among the top beaches of the world by TripAdvisor, is located on Providenciales — the most populated of the 40 islands and part of the Bahama chain. The Alexandra Resort is one of many “all-inclusive” resorts on the island, meaning you don’t pay extra for meals or drinks (including champagne at breakfast and piña coladas all day if you desire). Breakfast and dinner are served buffet style in a

Drumming classes, dance lessons Entertainment for guests is available around the clock. Every day offers a different schedule of activities. Our family played several games of soccer with staff and guests, as well as water volleyball in the pool. All of us, regardless of ability, could participate together. There were also drumming classes, water aerobics and karaoke. Dance lessons teaching the Wobble, the Cuban Shuffle and the Macarena kept us moving. One of our favorite activities was listening to the nightly music sessions of reggae, PHOTO COURTESY ALEXANDRA RESORT

Families can dine together, play sports, take dance lessons or go snorkeling in nearby Grace Bay. The barrier reef that encircles the Bay is considered one of the best scuba diving sites in the Caribbean.

Like many all-inclusive resorts in the Turks and Caicos Islands, the Alexandra Resort offers multiple pools, restaurants and activities for the whole family. The Caribbean islands are known for their white sand beaches and crystal-clear ocean water.

steel drum, rock, jazz and Caribbean music. Many of the staff are talented musicians. One evening Sudima, our waitress, stood up at karaoke night to level us all with a rendition of Alicia Keyes’ song “Fallin,’” belting out the lyrics: “I never loved someone the way I love you.” Startled, I said to her, “You should be in New York with a voice like that!” She replied, “Put me in your suitcase!” Other staffers had hidden talents as well. Tony, a handyman at the resort by day, turned out to be a pro-level soccer player. He joined our game when we needed more players, astonishing us with his skill.

First-class snorkeling But the best part of the Turks and Caicos is beyond the reef that encircles the island. Delineated by a distant rim of white waves, the reef is the third-largest barrier reef in the world. If you love snorkeling, as I do, you can snorkel off the beach or hop on a boat provided by the resort (for an extra fee) and sail out past the great reef that encircles Grace Bay. You might stop at Iguana Island (also called Little Water Cay), where the lizards are so unafraid of humans, they allow you to pick them up. Once in deep water past the reef, you can

slide off the boat (on a real slide) and swim with the fishes. The water is filled with corals in shades of purple and red, and sponges of all shapes and sizes, some like fingers reaching for the sky, others like barrels with shrimp residing inside. The sponges constantly sift the seawater, cleaning it. Divers call it a mystical experience to see the vast collection of underwater plants and creatures: barracudas, bonefish, yellowtail snappers, lionfish, jolthead porgies, small sharks and rays. A shipwreck dating from the time of Columbus, still unnamed, provides a garden and home for creatures of all kinds. As we marveled at the undersea world, suddenly a huge sea turtle slid by, just brushing my shoulder. I was momentarily terrified, then thrilled. An underwater cave system tempted us. My grandkids loved this experience and could not stop talking about it. Internationally, this area is prized by serious scuba divers. Only 1,000 feet off the beach you will plunge off the continental shelf and fall 7,000 feet to encounter what is called the Grand Turk Wall. Divers from all over the world come here to experience the “Wall” and extensive underwater caves. Scuba Diving Magazine readers have voted the Turks and Caicos See TURKS & CAICOS, page 21


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Three sites memorialize September 11th By Glenda C. Booth Scuffed shoes, a crumpled purse, a charred flashlight. These are a few of the 70,000 artifacts at New York City’s 9/11 Memorial and Museum. A woman phoned her sister to say that her will was in the closet in a recorded conversation now preserved at the 9/11 Flight 93 Memorial in Shanksville, Pennsylvania. And the names of a 3-year-old and a 71year-old are among those inscribed on a wall at the Pentagon. Both were on Amer-

ican Airlines Flight 77, which crashed into the Pentagon at 9:37 a.m. on September 11, 2001. These three memorials are the cornerstones of the September 11th National Memorial Trail, an elongated triangle stretching 1,300 miles northwest from Washington, D.C., through Pennsylvania to New York City. Twenty years ago, on one of the country’s most tragic days, Al Qaeda operatives hijacked four commercial airplanes. Two

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planes destroyed the World Trade Center’s Twin Towers, and one slammed into the Pentagon. Passengers and crew on a fourth plane, United Airlines Flight 93, prevented the hijackers from colliding into their presumed target in Washington, D.C., crashing the airplane in a Pennsylvania field. This year, Americans will once again pay tribute to the 2,996 people who died that day, the more than 6,000 others who were injured, and numerous emergency responders and others who tried to help. “As the years have gone on, we now have children who weren’t alive on September 11th and need to be taught the events of that day and about the effect it had on our nation,” said David Brickley, who founded the September 11 National Patriot Trail Alliance in 2002 and now serves as president emeritus. Virginia Senator Mark Warner said in a statement, “While we can never repay the sacrifices of our first responders or their families, the September 11th National Memorial Trail provides an opportunity for every American to remember the courageous individuals who sacrificed so much that day.”

The Pentagon Memorial At the entrance to the National 9/11 Pentagon Memorial stands the Memorial Gateway, a black granite stone etched with these words: “We claim this ground in remembrance of the events of September 11, 2001, to honor the 184 people whose lives were lost, their families, and all who sacrifice that we may live in freedom. We will never forget.” The memorial consists of 184 cantilevered, stainless steel benches positioned over a lighted pool of flowing

water, each inscribed with the name of one victim. The names of the 125 people killed inside the Pentagon that day face the plane’s point of impact on the building’s south facade. Those honoring the 59 passengers on Flight 77 face the direction of the plane’s approach. (As of press time, the memorial is closed to visitors due to the pandemic.)

UA Flight 93 In western Pennsylvania’s bucolic countryside looms another 9/11 memorial, where United Airlines Flight 93, flying 563 miles per hour and carrying 7,000 gallons of jet fuel, crashed and caught fire, killing 40 passengers, crew members and the four hijackers. The terrorists’ target may have been the U.S. Capitol or the White House, just 18 minutes away. Passengers and crew, alerted to the other attacks that morning and responding to the command “let’s roll,” overcame the hijackers. Visitors can walk part of the flight path along a black granite walkway. A nearly mile-long walk leads to a wall inscribed with the 40 victims’ names at the crash site. Forty individually-tuned, steel chimes in the 93-foot Tower of Voices ring in perpetuity for the deceased. Inside the nearby museum, an exhibit recounts that day, minute-by-minute, and displays artifacts such as part of a driver’s license, identification cards, toiletry fragments, a baseball cap, an airfone, seatbelts and airplane shards. Most of the airplane and its contents were destroyed in the fiery explosion.

See 9/11 TRAIL, page 21


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BALTIMORE BEACON — OCTOBER 2021

From page 19 the best diving sites in the Caribbean.

British roots While they are a British Overseas Territory, Turks and Caicos Islands are selfgoverning. Power is exercised by an elected legislative council and an appointed executive council. The governor oversees foreign affairs, defense and offshore finance. The islands are English speaking and use the U.S. dollar. Downtown Providenciales is lovely, with its British colonial style architecture, expensive shops and cafes, and fountains. But the luxurious resorts and condo complexes of Providenciales contrast with its residents’ concrete and stucco dwellings. The island has little local housing and few stores and public restaurants. Along the roads, numerous housing and business developments look as if they were abandoned mid-construction. Days before we were to leave, the resort provided free COVID tests required for reentry into the U.S. The nurse talked about the rising cost of living on the island. “It’s getting so that you have to work two jobs to live here,” she said. “The land

9/11 Trail From page 20

Ground Zero, New York City The 9/11 Memorial and Museum occupy the site of the collapsed Twin Towers in lower Manhattan. Visitors start in an above-ground pavilion and descend into the cavity of the original complex to view the museum’s exhibits and artifacts. In the museum’s Memorial Hall, a quotation by Virgil stretches 60 feet: “No day shall erase you from the memory of time.” Each letter was made from steel recovered from the World Trade Center. Forming the backdrop for those words are 2,983 individual watercolor squares in varying shades of blue. The mosaic, created by artist Spencer Finch, is titled “Trying to Remember the Color of the Sky on that September Morning.” It invokes both the brilliant blue sky on 9/11 and the precious lives lost. A concrete staircase on display is called the Survivors’ Stairs because hundreds of people successfully escaped a nearby building, 5 World Trade Center, that morning. In another gallery, a 36-foot column bears inscriptions, mementos and signatures from workers who cleared the site. Another exhibit displays 60 feet of a 1960s “slurry wall,” built for the original World Trade Center to hold back the Hudson River. The rest of the 80-foot-tall wall, which survived the attack and continues to prevent flooding in Lower Manhattan, still stands today as a symbol of resilience and strength. For more information, visit the September 11th National Memorial Trail Alliance, 911trail.org, 911memorial.org, defense.gov/Experience/Pentagon-Memorial and nps.gov/flni.

If you go

night or more. The Alexandra Resort’s rates start at $560 per night. However, more affordable beachfront hotels include Neptune Villas at $203 per night and Banyan Inn at $299 per night. As of press time, Turks and Caicos requires a negative COVID test within three days of arrival. You must provide evidence of medical insurance and a printed list of covered health benefits. They also require proof of travel insurance that would cover you for emergency medical treatment, evacuation by air, and a local stay if quarantine was required.

The Turks and Caicos Islands are a onehour flight from Miami; Delta has a roundtrip flight from BWI to Providenciales for $565. Most hotels cost $200 to $700 a night, but all-inclusive resorts can be $500 to $1,000 a

Beachfront dining is available at the Blue Haven Resort, located near the Alexandra Resort. Guests who stay at one property are welcome to dine or play at the other.

cost is so high now, people born here can’t afford to stay.” Turks and Caicos is an international investment center for offshore investors in part because there is no income tax, capital gains tax, property tax, inheritance tax or corporation tax. There are, however, mandatory health insurance contributions, financed by a 37.5% tax on all imported goods. Since almost all goods here are imported, this provides considerable revenue. During the worst of the pandemic, resorts were empty. Now they are so packed that dining at a local restaurant requires a reservation and a one-hour wait.

PHOTO BY DIANE YORK

Turks & Caicos

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Beware low-fare airlines’ schedule cuts When you’re packing for a summer or buy tickets on a new route until an airline fall air trip, don’t forget one item that starts flying and trying to sell tickets on it. might not be on your regular packing list: In the post-pandemic rush to a new norPlan B. mal, lots of airlines have run That’s because for at least a lot of routes up their flagthe rest of the year, some airpoles, and routes that didn’t lines are cutting recently reearn enough saluting quickstored or newly added schedly got pulled down. ules, often with little advance The most iffy situations notice. are with brand-new, low-fare If you’re flying on a heavily lines. Two recent newcomtraveled route — Chicago to ers have focused on routes New York, for example or Los that previously had little or Angeles to San Francisco — no prior nonstops, and you needn’t worry. But if you’re TRAVEL TIPS therefore had no historical on a newer route that maybe By Ed Perkins data to show whether or not didn’t even have nonstop servthere was a market. And ice in the past, you need some sort of plan both have made substantial changes on to cope with drastic changes. initial schedules within months of starting, What’s happening is simple: Airlines mostly cuts: these days view new route expansion —Avelo, the new line that started resomewhat in the manner of the old trope, gional flying from a hub at Burbank last “Run it up the flagpole and see if anybody April, has already cut two of its destinasalutes it.” tions and cut frequencies on several othDespite all the market research, de- ers. tailed planning and computer simulations, —Breeze, the new venture from David nobody really knows how many people will Neeleman, founder of JetBlue, started up

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in May with three hubs in the East. It has already reduced frequencies on a third of its initial routes and suspended a handful of others. Low-fare startups aren’t the only lines to cancel newly established routes. In August, for example, a report showed Delta as cutting six routes entirely, and the other lines routinely re-examine their routes and cut poor performers.

Few customer rights Your “rights” in these cases are problematic. In more usual cases, when an airline cuts a flight or route, its first offer is a transfer to an earlier or later flight. On a busy route, that’s probably enough for most travelers. If an airline cancels a nonstop route completely, it can often offer a connecting itinerary at roughly the same time. But the two newcomers — along with Allegiant — typically offer no more than four flights a week and only two on some routes, so there’s no practical fallback position. Breeze, for example, says you can cancel with no fees and get future credits for a schedule change of up to two hours. That may be OK for a delay, but it’s ridiculous for cancellation on a route that may operate only twice a week.

And unlike the case with established lines, if one of the new lines cancels a flight, it doesn’t have an alternative connection to offer you. Even an established line may have no useful itinerary to offer if it cancels a route completely or stops flying on the days you want to travel. When an airline cancels a flight — or, in most cases, changes its schedule by three hours or more — Department of Transportation rules say you have an absolute right to a full cash refund, even on the most nonrefundable tickets. But getting your money back doesn’t always get you where you wanted to go without additional hassle or cost. A last-minute replacement ticket may cost a lot more than the price of a canceled ticket, or seats might not be available at all. I’m not suggesting that you avoid the startups and Allegiant. They offer some attractive fares and schedules. But I am suggesting that if you buy one of their flights — especially on new routes — you need to think about what your options would be if the airline cancels your flight. Send email to Ed Perkins at eperkins@mind.net or check out his rail travel website at rail-guru.com. © 2021 Ed Perkins. Distributed by Tribune Content Agency, LLC.

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BALTIMORE BEACON — OCTOBER 2021

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23

Arts &

Baltimore Tree Trust volunteers plant trees to improve urban neighborhoods. Our cover story continues on page 24.

Godspell revival at Toby’s now a tradition

Cast adds unique touches The show has taken its place among the classics of Broadway, according to Toby’s cast member and co-director David James. This excellent production was directed by

James and Mark Minnick, both seasoned professionals at Toby’s. Laced throughout the show are modern social references like “Schitt’s Creek,” “The View” and ads for Farmers Insurance. I was told the cast is given a basic script with the freedom to work in these references. I enjoyed them, and from the laughter I heard, so did the audience. Other kudos should go to Musical Director Ross Scott Rawlings for the excellent live music. For this show, there are four musicians playing in a booth above the stage. Speaking of the music, the song you’ll know best is “Day By Day.” It’s the third song in the show and reprised in Act Two. The Fifth Dimension had a hit with the song in 1973, when the film was released. In the film, which grossed $1.2 million, Victor Garber played Jesus. In this production, Justin Calhoun stars in that role. Just about every member of the cast has performed in previous shows at Toby’s, some of them numerous times. Every one of the 12 cast members has a strong voice, but the one that stands out is DeCarlo Raspberry, particularly for his moving rendition of “All Good Gifts” in Act 1 and his participation in “On the Willows” in Act 2. In addition, Tony’s alum Tina Desimone has always had a voice you can easily hear in the back row. As far as comedic timing, David James had most of the funny lines in the show. And the impressions of Donald Trump, among others, as performed by Jeffrey

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By Eddie Applefeld The musical Godspell opened off Broadway half a century ago, in May 1971. It became a motion picture in 1973, and there were a few revivals along the way, including Broadway. Godspell also happened to be the first musical ever performed at Toby’s Dinner Theatre when it opened in Columbia in 1979. Later, Toby’s revived the show for its 25th anniversary. This year, to celebrate the theater’s 40th anniversary (delayed by a year thanks to the pandemic), Godspell is back. Godspell began as a project by drama students at Carnegie Mellon University. According to an interview, at that time no one thought it would become such a monumental success. The 1972 Toronto production of Godspell is credited with launching the careers of Eugene Levy, Gilda Radner and Martin Short. And the musical director was Paul Shaffer from “The David Letterman Show.” The musical is structured as a series of parables primarily based on the gospel of Matthew. The music was composed by Stephen Schwartz with a book by JohnMichael Tebelak. Each of the scenes are interspersed with music set mostly to lyrics from traditional hymns.

The musical Godspell, the first musical ever produced at Toby’s Dinner Theatre in Columbia, is back through October. Here, DeCarlo J. Raspberry as Lamar leads the cast in the song “All Good Gifts.” All guests must present a vaccination card or bring a negative COVID test to the theater.

Shankle, were a hoot. In the original Toby’s production, the cast joined the audience for wine and bread. In one of the revivals, audiences were offered wine on stage. Neither of those happen here, in the age of COVID. For one thing, many of the cast members are your servers, so there really isn’t time before the performance to imbibe.

made my meal so special was that after going to Toby’s since the very first show in 1979, I finally met the chef, Chuck Cofield. Not sure why; after all, he’s only been there for 25 years. But I must say I loved the food. Be sure to get the Linguini Galilee, which was very good. And it got better on my second visit to the buffet. I would bring up a third visit, but let’s not tell the Toby’s folks too much.

Same great chef for 25 years Now let’s talk about the food. What

See GODSPELL, page 25


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Arts & Style | Subscribe online! See how on p. 26

Trees From page 1 the city cut funding to the Recreation and Parks Department,” Bower said in an email. The Friends group has maintained the urban park’s trails and historic buildings for more than 40 years, ensuring it remains a public asset for decades to come. For residents of Baltimore neighborhoods that still lack green space, parks like Gwynns Falls-Leakin Park are essential not just for recreation, but for all the physical and mental health benefits nature provides. “When you’re there, you don’t know you’re in the city,” said George Farrant, a retired CCBC professor and longtime volunteer. “It’s like an undiscovered country.” Farrant and other volunteers say that the pandemic has brought waves of new visitors and volunteers to Gwynns FallsLeakin Park, stir-crazy Baltimoreans needing a dose of exercise and nature.

Parks improve quality of life Friends president and avid hiker Bridget McCusker, 67, started volunteering

eight years ago. When she and her husband moved to the park-adjacent Hunting Ridge neighborhood in 2013, the park was a big part of the draw. “The real gift is the 1,200 acres I get to enjoy, and the many people I get to meet in the park,” McCusker said. “I call it my own Appalachian Trail.” Ed and Jo Orser, a retired UMBC professor and school counselor respectively, have volunteered for decades in the park, located near their Hunting Ridge home of 49 years. Ed wrote a book about the history of the park, some of which has been adapted to signage along nearby bike trails. Jo is proud of the work the group has done to make people feel safer in the park, by tackling projects like “limbing up,” or trimming branches along trails to create better visibility. Not only does Friends work with BTT on tree plantings in the park, but they’ve also relied on the trust to replace street trees in the surrounding neighborhood that have succumbed to the emerald ash borer, a destructive invasive beetle. There’s no doubt that planting trees is

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OCTOBER 2021 — BALTIMORE BEACON

a boon for public health, but the Baltimore Tree Trust’s mission is also about social justice. Historically, communities of color have lacked green space, resulting in higher instances of heat- and pollution-related diseases. Older residents and those suffering from chronic illnesses are also especially vulnerable to the negative impacts of treeless neighborhoods, such as smog and soaring temperatures. (In Baltimore, for example, leafy neighborhoods can be up to 16 degrees cooler than those with few trees.)

Apprentices help maintain trees This year, the Baltimore Tree Trust is “trying to cultivate a different attitude about stewardship” in the city as a whole, according to Bowers. “We get a lot of interest from funders and volunteers in tree plantings,” he said, “but not so much in maintenance.” To survive, trees require near-constant attention, including watering, trimming and removing invasive species. As a result, the average street tree lives for only seven years. That means many trees die before they even begin offering benefits like shade, air filtration, stormwater runoff control and peaceful ambiance. A few years ago, BTT leadership concluded that caring for the thousands of trees it had planted using only volunteer

labor just wasn’t practical. So it created the Urban Roots Apprenticeship — a twomonth program that trains, mentors and connects Baltimoreans to successful careers in the tree care and landscaping industries. The workforce development program is a win-win for Baltimore: After apprentices complete their training, BTT helps them find gainful, meaningful employment. During their paid apprenticeship, they “practice” on BTT’s plantings, so street trees can grow into their full, life-giving potential. “It’s a big change in how forestry is done in the city of Baltimore,” Bowers said. With more boots on the ground, BTT can keep better track of where trees are thriving and where they still need to be planted. And while Urban Roots apprentices are working in neighborhoods, they can meet and empower residents to nurture the trees outside their home. Additionally, residents-turned-foresters can help increase local buy-in for street trees in their communities, where some neighbors may object to tree plantings over concerns of weeds (and mosquitos) in summertime and leaves in the fall. Through an expanding workforce, BTT is closer than ever to helping all Baltimoreans improve their lives with a little greenery. It’s hard work, but a greener city is a cleaner, safer city. “The benefits of the trees grow with the trees,” Bowers said.


From page 23 Other menu items include corn, cole slaw, steamed broccoli, spinach, pepper steak, baked tilapia, vegetable fried rice, salad, scalloped potatoes and dessert. Servers bring salad, drinks and dessert to your table. At the buffet line you’ll be asked to put on a glove. In short, this is a meal and a show you’ll enjoy. Just between us, I have never left Toby’s without enjoying the show. And I’ve been going there since the first Godspell. Here’s some important news: To enter the theater, everyone must show proof of vaccination or a negative test result within three days. So don’t forget to bring this information along with you.

And now here’s a helpful tip: Take a picture of your vaccination card. Now you’ll always have it with you — assuming you haven’t forgotten your phone. Godspell runs through Oct. 31. There are eight shows (usually) per week, including matinees on Wednesdays and Sundays. The theater is located at 5900 Symphony Woods Rd., Columbia, next to Merriweather Post Pavilion. Ticket prices, which include the dinner meal or matinee brunch (Wed. and Sun.), range from $65 to $68 for adults; $49.50 for children 12 and under. Patrons 65 and over can attend Tuesday and Wednesday evening or Wednesday brunch for $55.25. For reservations or more information, call the box office at (410) 730-8311 or go to tobysdinnertheatre.com.

PHOTO BY JERI TIDWELL PHOTOGRAPHY

Godspell

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Say you saw it in the Beacon | Arts & Style

BALTIMORE BEACON — OCTOBER 2021

BEACON BITS

Oct. 1+

CHESAPEAKE FILM FESTIVAL This year, the Chesapeake Film Festival is taking place in-person

on Fri., Oct. 1 and Oct. 2 at the Avalon Theatre in Easton. Tickets are required and range in price. The free virtual festival will take place from Sun., Oct. 3 to Sun., Oct. 10. For more information, visit chesapeakefilmfestival.com.

Oct. 8

BALTIMORE HISTORY Join the Baltimore Architecture Foundation, Baltimore Heritage

Janine Sunday and the cast of Godspell jazz it up for the classic number “Day By Day.”

ANSWERS TO CROSSWORD

FROM PAGE 26

and Luke McCusker of the Irish Railroad Workers Museum to learn about Henry McShane and his bell foundry, which supplied 75% of the bells found in American churches. This free event takes place via Zoom on Fri., Oct. 8 from 1 to 1:30 p.m. To learn more and register, visit bit.ly/HenryMcShane.

Oct. 16

ANSWERS TO SCRABBLE

C H I C K

L A N A I

O V E R T

A P T S T E H A L E A R G G E R A L A Z I P E T H

BACKSTAGE TOUR OF SYMPHONY HALL Tour backstage at the Joseph Meyerhoff Symphony Hall and learn about architect Pietro Belluschi on Sat., Oct. 16 from 2 to 3 p.m.

or 3:30 to 4:30 p.m. A $10 donation is suggested, and proof of COVID vaccination is required. For more information and to register, visit bit.ly/BackstageSymphony.

S O R B E T

E C T O N E I P S A A M L T R A T Y L E C A O M A U P

G A S P S

U L N A E

Y S O C L I O E R D E G D E O D

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D H O E T M R O M A N U T T R O T I T X T E N O T A L A M I R E V S L E

U B O A T

B I N G O

A P V E E R T O T U P

E G Y P T

Now O n Stage

410-730-8311

TobysDinnerTheatre.com

2022

Subscriptions

Now On Sale!

Due to the nature of theatrical bookings, all shows and dates are subject to change. • Toby’s Dinner Theatre, Columbia, MD


26

OCTOBER 2021 — BALTIMORE BEACON

Subscribe online! See how below

Crossword Puzzle Daily crosswords can be found on our website: www.TheBeaconNewspapers.com Click on Puzzles Ancestors 1

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Across 1. On the last MapQuest step 6. Hurricane danger 10. Create a nickname 13. Devastation 14. Name written 2,699 times in the Quran 16. ___-Wan Kenobi 17. Motionless 18. One born in 2025 (according to the Chinese zodiac) 19. “It hit me like a ___ of bricks” 20. Ancestor of the photocopier 22. GQ or SI 23. Item in Ben Franklin’s science kit 24. Dir. from Austin to Houston 25. Ingredient in a Cobb salad 27. Emily Post suggests it should be $1 per bag 29. Dunkin’ specialty 30. Suitable 33. “Do it on my ___” 36. Golf course obstacle 39. Ancestor of the bullet train 43. Discontinue 44. Maximum legal speed 45. Gen ___ (child of the ‘70s) 46. Muse of poetry 49. Participated in the Last Supper 51. Sock pattern 53. Rough calc. 55. Words on a Post-it 59. ___-101 (introductory language class) 60. Ancestor of search engines 63. Near Miss. 64. 24th, and final, Greek letter 65. Friendship 66. Postal code 67. Poet W.H. 68. Increase productivity 69. Verb suffix used in the King James Bible 70. Pandemic “quaranteams” 71. George Washington ___ Here

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2. Island west of Maui 3. In plain sight 4. Dessert less creamy than sherbet 5. Prefix meaning “outer” 6. Quick inhales 7. Arm bones 8. Initiate a duel 9. Develop a fondness 10. Ancestor of a laser printer 11. One pulled Indiana Jones to a Greek island 12. Its game card usually has 24 numbers 15. Shore bird 21. Mt. Everest is part of its border with China 26. Mixed breed dog 28. What capitalism and communism have in common 29. Impending destruction 30. Output from a wildfire 31. Harper Valley ___ 32. Ancestor of Email 34. “You only live once”, briefly 35. High school dept. 37. Pennsylvania, in DC 38. Middle of MPG or MPH 40. “OK; I’ll give it ___” 41. The best-selling two-seat convertible sports car in history 42. Giants outfielder, known as “Master Melvin” 47. Pioneering maker of aluminum products 48. Join forces 50. Defense against tooth decay 51. Staring at 52. Fixed the pilot light 53. Won a pitcher’s duel 54. Decodes a barcode 56. ___ branch (symbol of peace) 57. Calculate the bill 58. Where Cleopatra and Mark Antony committed suicide 61. Modernize a kitchen 62. Patches a driveway

Answers on page 25.


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BALTIMORE BEACON — OCTOBER 2021

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Events/Classes Beacon 50+Expo . . . . . . . . . . . . . . . .28 CCBC . . . . . . . . . . . . . . . . . . . . . . . . .13

Funeral Services Cremation Society of Maryland . . . .25 Highview Funeral & Cremation . . . . .7 MacNabb Funeral Home . . . . . . . . . .25

Health/Insurance Dr. Richard Rosenblatt . . . . . . . . . . . . .7 Kaiser Permanente . . . . . . . . . . . . . . .13 Keswick Wise & Well . . . . . . . . .9, B-4 Whitehouse Financial . . . . . . . . . . . . .9

Home Health Care Home Instead Senior Care . . . . . . . . . .7 Options for Senior America . . . . . . . .20

Home Remodeling/ Windows/Roof EAC Interior Design . . . . . . . . . . . .B-6 Peak Custom Remodeling . . . . . . . . . .3

Housing Catholic Charities Senior Services .B-2 Charlestown/Erickson . . . . . . .B-2, B-7 Charter Senior Living of Towson . . .B-3 Charter Senior Living of Woodholme Crossing . . . . . . . . . .B-3 Christ Church Harbor Apts . . . . . . .B-6 Cottages of Perry Hall, The . . . . . . .B-3 Enterprise . . . . . . . . . . . . . . . . . . . . . .21 Oak Crest/Erickson . . . . . . . . .B-2, B-7 Park View Apts. . . . . . . . . . . . . . . . . .21 St. Mary’s Roland View Towers . . . .B-4 Virginia Towers . . . . . . . . . . . . . . . . . .8

Warren Place . . . . . . . . . . . . . . . . . . .16 Weinberg Communities . . . . . .B-7, B-8 Zen at Stadium Place . . . . . . . . . . . .B-3

Skilled Nursing & Rehabilitation

Legal Services

Manor Care . . . . . . . . . . . . . . . . . . . . .8

Real Estate

Beacon Newspapers . . . . . . . . . . . . . .26

Moss Disability Group . . . . . . . . . .17 NTR Home Buyers . . . . . . . . . . . . . . .9

Retail

Subscriptions Technology Computer Doctors . . . . . . . . . . . . . . . .5

Theater/Music

Copper Zap . . . . . . . . . . . . . . . . . . . .18 Perfect Sleep Chair . . . . . . . . . . . . . .14 Radio Flea Market . . . . . . . . . . . . . . .23 Scootle . . . . . . . . . . . . . . . . . . . . . . . .22

Columbia Orchestra . . . . . . . . . . . . . .23 Toby’s Dinner Theatre . . . . . . . . . . . .25

Senior/Government Services

Superior Tours . . . . . . . . . . . . . . . . . .20

BeaconSilverPages.com . . . . . . . . . . .24 Maryland Relay . . . . . . . . . . . . . . . . . .6 Meals on Wheels . . . . . . . . . . . . . . .B-6

Travel Volunteers & Careers Baltimore County Dept of Economic & Workforce Development . . . . . .16 Meals on Wheels . . . . . . . . . . . . . . .B-6


OCTOBER 2021 — BALTIMORE BEACON

Subscribe online! See how on p. 26

Returning This Fall! 2021

Ph oto by Ma tt M cC lai n

28

PRESENTED BY

Diane Rehm

Award-winning talk show host Virtual Expo Keynoter

This year, we are pleased to announce our second annual online Virtual 50+Expo Note these changed (and extended) dates:

November 1, 2021 thru January 31, 2022

at beacon50expo.com Online you will find dozens of free classes, speakers and entertainers available 24/7, as well as helpful resources and exhibitors. We have decided to postpone our in-person Expo events until 2022 to enable readers to obtain a booster vaccine for better protection from COVID.

ATTN: Businesses and nonprofits: To sponsor or exhibit at our virtual Expo, call (410) 248-9101 or speak with your Beacon advertising representative. GOLD SPONSOR

SILVER SPONSORS

BRONZE SPONSORS


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