October 2023 | DC Beacon

From standup to news anchor

By Margaret Foster

Some people enjoy a challenge. News anchor Tony Perkins — who started his career in standup comedy — is one of them.

The first time he stepped on stage at a comedy club 40 years ago, the crowd erupted in laughter and applause. But the second time was another story.

“I went back two weeks later with all new material and bombed,” Perkins, now 64, recalled in an interview with the Beacon.

“I thought, well, this is interesting. You might be the greatest comedian in the land two weeks ago, and tonight I’m not getting anything…That was kind of what hooked me, and I just kept going and going,” he said.

Perkins turned that tenacity into a decade-long career in standup, which was followed by a much longer successful career in radio and television.

After stints at “Good Morning America” and “Get Up DC,” Perkins is now a beloved news anchor at NBC’s News4Today in Washington, D.C. He calls it “literally a dream job.”

Perkins will be interviewed on stage about his varied career at the Beacon’s 50+Expo in Silver Spring, Maryland, on Sunday, October 22.

Childhood influences

Perkins was born in the Bronx, New York, and his family moved to (and all around) the D.C. area starting when he was five years old. He attended elementary school in Southeast Washington, D.C., junior high in Prince George’s County, Maryland and high school in Alexandria, Virginia.

Although Perkins was shy in school, he would host mock gameshows at home

with his younger brother, Scott. Using a hairbrush as a microphone, he would interview his family members and ham it up.

A public speaking class in high school gave the diffident student newfound confidence. Perkins went on to become the first black editor-in-chief of the Mount Vernon High School newspaper.

He came by his love of radio naturally. Perkins’ father, who he has called “Mr. Charming,” was a DJ at WOL, a popular

AM radio station in D.C. in the 60s. As a teenager, Perkins also visited the “powerhouse” Philadelphia radio station where his uncle worked. “I thought it was very cool. I was attracted to it,” he said.

“I would hear my father on the radio and I would get to go to the station,” Perkins recalled. “I thought it was very mysterious — you’re talking to the microphone, and

NBC News4 Today anchorman Tony Perkins worked as a standup comedian for a decade before landing his first television position. Perkins will be interviewed live at the Beacon 50+Expo in Silver Spring, Maryland, on Oct. 22.

PHOTO COURTESY OF NBC4

In appreciation

The Beacon has been blessed with an amazing group of dedicated, talented employees throughout our 34 years in business. Typically, every fall I devote a column to thanking our staff and our freelance writers.

I will do so again later this year. But today, I want to write in appreciation of an employee who retired from the Beacon many years ago.

I am sorry to report the recent passing of our very first salesperson, Joanne Petras, of Arlington, Virginia, at the age of 96.

tions, and provide answers.

I said I would try to find the information for her, but then I asked her to tell me more about herself.

She had just retired from a 40+ year career at the Pentagon as an administrative assistant to high-ranking military staff. She was bored as a retiree and was looking for something to do to bring in spending money.

During Joanne’s 16 years selling ads for the Beacon (and not just as “a” salesperson, but as our top salesperson for most of those years), she was also what you might have called our “in-house senior.”

She was definitely in our reader demographic, while I was still in my 30s, and so she would advise us, lovingly, whenever we took a wrong step with an article or an event.

FROM THE PUBLISHER

By Stuart P. Rosenthal

Way back in December 1989, in only the second month of the Beacon’s existence, we published an article titled “Uncle Sam taps retirees for census jobs.”

A few days after that issue came off the press, I received a phone call at the Beacon “office” (the second bedroom of our apartment at the time) from Ms. Petras.

She started by saying how much she liked our new paper, but then went on to ask how readers are supposed to apply for the jobs mentioned in the article given that no contact information was provided?

I thanked her for opening my eyes as a new publisher to a very important lesson. We needed to see our articles through the eyes of our readers, anticipate their ques-

I noticed her friendly manner and how articulate she was, so I asked if she had ever considered becoming a sales rep for a newspaper? I had been looking to fill that position for weeks, without success. Perhaps the right person had now come along?

We agreed to meet, hit it off over coffee, and from that day on, she became the biggest booster the Beacon newspaper ever had — not only with potential advertisers, but with her friends, members of her church, and anyone and everyone she met.

The Beacon seemed to be the greatest thing since sliced bread to Joanne, and that feeling apparently continued to her last days.

As you can see in our letters to the editor below, one of her last acts was to send a gift subscription to the Beacon to an acquaintance she had met at the Pentagon decades before and had not spoken with until he tracked her down out of the blue last year.

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She was also our eyes and ears all over Northern Virginia, regularly recommending new places where we should distribute our free publication, and making it a personal challenge to keep stacks of Beacons looking neat and orderly wherever she might find them.

Speaking of which, she was a huge help as we developed our annual Expo events. She brought us many volunteers, and while they staffed the registration table, she went from booth to booth, making sure our exhibitors had everything they needed (and that they filled out the evaluation form before they left).

In short, the Beacon probably wouldn’t be here today — and my wife, Judy, our president, agrees with me on this — had Joanne not helped us get a sound footing and strong advertiser base in those early years.

I would be remiss if I didn’t note a few more salient facts about Joanne. She loved to water ski every summer and did so until at least the age of 90. She loved to gamble and to see the shows in Atlantic City a few times a year, often driving her friends there and back.

In fact, she continued to keep her cars

(yes, two of them) in good working order, driving them around the block every other day or so until shortly before she passed.

Joanne was a very private person. She never married. She had no close relatives. And she gave instructions upon her death that her body was to be donated to science and there was to be no memorial service.

I note that she didn’t say there was to be no appreciation in print, and I have taken that as her reluctant acquiescence that she might find herself written about on these pages.

Joanne, you were a very special person to me, to Judy, and to the whole Beacon operation. Even though you retired many years ago, we will miss you at our Expo this year, and I will miss our conversations and annual exchange of birthday cards.

Till we meet again…

Letters to the editor

Readers are encouraged to share their opinions 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 to info@thebeaconnewspapers.com. Please include your name, address and telephone number for verification.

Dear Editor:

I’m 96, the same age of my late acquaintance, Joanne Petras. I am in all likelihood one, if not the only one, who knew her back at the end of WWII. [Ms. Petras was a longtime Beacon employee. See this month’s From the Publisher column.]

I was one of several from my infantry company sent to Ft. Meade in October 1945. We were to take part in Army demobilization, instead of invading Japan — scheduled in a month. I thank God that never took place!

I met a young clerk-typist hired by the Army named Joanne. We would chat occasionally, but I was soon eligible for separation. So away I went, not to talk with her for 77 years!

Last year, while writing my remembrances, her name came to mind. Through the internet, I contacted (after much deliberation) someone fitting her description. It was her!

Joanne was a private lady and very independent. We chatted on the phone frequently.

Her decline was evident over the last

few weeks. I was given a subscription to the Beacon from her for my birthday, which I regard as a fond remembrance.

This has been a long narrative, but I wanted especially for you to hear it.

Jim Hand Rockville, MD

Dear Editor:

Thank you for your September cover page article, “Elders take action on climate.” We seniors certainly have an obligation to do what we can to save our planet for our grandchildren.

The article mentioned some college alumni groups that are active in this regard. My three(!) degree institutions are not. I checked and have written to them asking them to reach out to their alumni, suggesting they contact their elected representatives to be more pro-active on the environment.

Perhaps all of us D.C. metro area college alumni can write to our schools, our alumni newsletters etc. asking them to be more pro-active regarding climate change. Our

Joanne Petras

The exhibitors you’ll see at this year’s

Fairfax County Dept. of Family Services, Area Agency on Aging, Volunteer Solutions

Fairfax County Dept. of Family Services, Domestic and Sexual Violence Services

Fairfax County Medical Reserves Corp/Health

No. Va. Resources for the Deaf and Hard of Hearing

Northern VA Family Service

Northern VA Long Term Care Ombudsman Program

Nutrition Healing Center

Adventist HealthCare

Aetna Medicare American Foundation for Suicide Prevention, National Capital Area Chapter

Ameritech Construction

Anthem Blue Cross Blue Shield

Asbury Methodist Village Assistance League of No Va Autumn Lake Healthcare

Brandywine Living at Potomac BRAWS – Bringing Resources to Aid

Women’s Shelters

Brightview Senior Living Brooke Grove Retirement Village

Carpenter’s Shelter

CASA – Court Appointed Special Advocates

Cherished Hands Home Healthcare

Chesapeake Hearing Centers City of Rockville / Rockville Senior Center / F. Scott Fitzgerald Theatre

ClearCaptions

Computer Core

Conflict Resolution Center of Montgomery County

Debbie Dogrul Associates LLC

DHC Medical Supply

Dulles Area Transportation Association

Easterseals Adult Day Services

ECHO – Ecumenical Community Helping

Others

Edward Jones Investments

ElderSafe Center

English Empowerment Center (Literacy

Council of No Va)

Eric Stewart of Long & Foster

Fairfax County Consumer Affairs

Fairfax County Department of Emergency Management and Security (DEMS)

Fairfax County Dept of Family Services, Volunteer and Partner Services (Children, Youth & Families)

Department

Fairfax County Neighborhood & Community Services

Fairfax County Park Authority

Fairfax County Public Library

Fairfax Memorial Funeral Home

Fairfax Pets on Wheels

Fairfax, The (Sunrise)

Food for Others

Giant Food

Girls on the Run

Greenspring - Erickson Senior Living Habitat America

Hallmark Homecare

Harmony Senior Services

HealthMarkets

Home Doctors, The Homecrest House

HomeWell Care Services

Honor Flight

Housing Initiative Partnership, Inc

Humana

Ignatian Lay Volunteer Corps

Jewish Council for the Aging of Greater Washington

Johns Hopkins Healthcare

Kitchen Saver

Leadership Health

Leafguard

Long and Foster Realtors

Mac Nabb Funeral Home

Maryland Relay c/o Hamilton

Telecommunications

Maryland State Long-Term Care

Ombudsman Program

Maryland Unclaimed PropertyComptroller of Maryland

Maryland Vascular Specialist

MCCP – Medical Care for Children

Partnership

MobilityWorks

Montgomery County Aging and Disability

Montgomery County Recreation

Montgomery County Board of Elections

NAMI, Northern Virginia – National Alliance on Mental Illness

National Institute on Aging

Northern Virginia Mental Health Institute

NVRIDES

NVRPA – Northern VA Regional Park Authority

Office of 55+ Programs-Arlington County

Parks and Recreation

Paladin Life Care

Parkinson’s Foundation

Pepco

Premier Residences of Chevy Chase

Prevention of Blindness Society

Project Food DMV

Qualis Home Health Services

Quality Services LLC / Coldwell Banker Reality

Rebuilding Together Arlington/Fairfax/ Falls Church

Rebuilding Together Montgomery County

Red Cross, NCA

Retirement Unlimited (Aarondale/ Heatherwood)

Rising Hope United Methodist Church

RSVP/ Volunteer Fairfax

Sagel Bloomfield Danzansky Goldberg

Funeral Care, Inc.

Schifter, Carol

Seniors Helping Seniors

Senior Smile Mobile Dental Care

Sentara Health Plans

Shelterhouse

Shepherd’s Center

Sibley Senior Association

Silver Spring Village

SmithLife Homecare

Spectrum Acupuncture and Wellness

UM Hearing

United Healthcare

UnitedHealthcare Medicare

Vamoose Bus

Villages — Fairfax City & Fairfax County

Virginia Relay

Virginia Senior Medicare Patrol

Westminster Canterbury on Chesapeake Bay

Wicked Uncle

Women Giving Back

Women’s Center

Woodbine Rehab

Xfinity

Community Partners

AARP - VA

AARP-Maryland

Arlington Agency on Aging

Arlington County Arlington Mill Senior Center

Arlington County Aurora Hills Senior Center

Arlington County Langston Brown Senior Center

Arlington County Lee Center

Arlington County Madison Senior Center

Arlington County Office of Senior Adult-PR

Arlington County Parks & Rec

Arlington County Senior Community Outreach

Assisting Hands Home Care

Bailey’s Sr Center

Brandywine Living at Potomac

Bowie Senior Center

Brooke Grove Retirement Village

Burke/West Springfield Senior Center

Capital Caring Health

CaringMatters

City of Fairfax Senior Center

City of Rockville Sr Services

Conflict Resolution Center of Montgomery

Fairfax Division on Adults and Aging

Herndon Senior Center

Hollin Hall Senior Center

Humana

Jewish Council for the Aging

Kensington Park Retirement Community

Lewinsville Senior Center

Little River Glen Senior Center

Lorton Senior Center

Lubber Run Senior Center

Margaret Schweinhaut Senior Center

McLean Community Center

Montgomery County Board of Elections

Montgomery County Holiday Park Senior Center

Montgomery County Long Branch Senior Center

Montgomery County Office of Consumer Protections

Montgomery County State’s Attorney’s Office

Montgomery County Stroke Association

Mount Vernon at Home

Northern Virginia Resource Center for Deaf and Hard of Hearing Persons

NV Rides

Office of 55+ Programs-Arlington County

Parks and Recreation

Parkinson’s Foundation

Pozez JCC of Northern Virginia

Rebuilding Together Montgomery County

South County Senior Center

Spectrum Acupuncture & Wellness

Springfield Town Center

The Carlin

The Jefferson

Wakefield Senior Center

White Oak Senior Center

Fitness & Health

HEADING OFF THE HOLIDAZE

How to ignore the early decorations and avoid stress this holiday season

BETTER SEAFOOD CHOICES

Sardines and other small fish offer health benefits with less exposure to toxins

THROW IN THE TOWEL

Those nice white paper towels got that way thanks to bleach and formaldehyde

PREDIABETES STUDY

Blood sugar too high? Johns Hopkins has a (virtual) study that could help you

Three vaccines recommended for this fall

Dear Savvy Senior, Which vaccines are recommended for those on Medicare this flu season?

—Just Turned 65

Dear Just Turned,

There are actually three different types of vaccines older adults should consider getting this fall to protect against a repeat of last winter’s “tripledemic” of respiratory illnesses, which included flu, RSV and coronavirus.

Here’s a rundown of the different vaccines the Centers for Disease Control and Prevention (CDC) is recommending and how they are covered by Medicare.

Senior-specific flu shots

include:

• Fluzone High-Dose Quadrivalent vaccine, which contains four times the amount of antigen as a regular flu shot, creating a stronger immune response for better protection.

• Fluad Quadrivalent vaccine, which contains an added ingredient called adjuvant MF59 that also helps create a stronger immune response.

by Medicare Part B as long as your doctor, health clinic or pharmacy agrees not to charge you more than Medicare pays.

New RSV vaccines

Anyone age 60 and older, especially if you have any heart or lung conditions, diabetes, kidney or liver disorders that make you vulnerable to the respiratory syncytial virus (RSV), should consider getting one of the new FDA-approved RSV vaccines (either Arexvy or Abrysvo).

XBB omicron subvariants that are some of the most dominate coronavirus variants circulating in the U.S. It will also provide protection against the EG.5 variant (Eris), which is closely related to the XBB.

Covid vaccine shots are covered 100 percent by Medicare Part B.

When and where to get

SAVVY SENIOR

By Jim Miller

• FluBlok Quadrivalent vaccine, a recombinant protein (egg-free) flu vaccine that contains three times the amount of antigen as a regular flu shot.

These vaccines, recommended by the CDC, will help protect older and immunocompromised adults from respiratory illness, which is responsible for up to 10,000 deaths and at least 60,000 hospitalizations each year in people 65 and older.

Most health officials agree that it’s safe to receive the flu and Covid booster at the same time. But because the RSV vaccines are new this year, many doctors are recommending a two-week window between an RSV shot and the flu and/or the Covid shots.

For people 65 and older, there are three flu vaccines that the CDC recommends over traditional flu shots. You only need one, of course.

These FDA-approved vaccines provide extra protection beyond what a standard flu shot does, which is important for older adults who have weaker immune defenses and have a greater risk of developing dangerous flu complications compared with younger, healthy adults.

The three senior-specific options

There isn’t enough evidence yet to indicate whether one of these three vaccines provides superior protection over the other two for older adults.

As for side effects, you should know that the Fluzone High-Dose and Fluad vaccines can cause more of the mild side effects that can occur with a standard-dose flu shot, like pain or tenderness where you got the shot, muscle aches, headache or fatigue. The side effects of FluBlok tend to be a little less common.

All flu vaccines are covered 100 percent

The new RSV vaccines are covered by Medicare (Part D) prescription drug plans.

Updated Covid vaccine

If you haven’t had a Covid booster shot lately, you should consider getting one this fall. Even though the Covid public health emergency has ended and the number of cases has gone way down, it has been resurgent in recent months, causing an increase in hospitalizations, especially among the elderly.

The updated Covid vaccine targets the

You can find all three vaccines at most pharmacies, medical clinics and health departments, or you can do a search at Vaccines.gov.

[Ed. Note: Flu, Covid and RSV vaccines will be offered at both of the Beacon 50+Expos taking place this month: Sunday, October 15 at Springfield Town Center, noon to 4 p.m., and Sunday, October 22 at Silver Spring Civic Building, noon to 4 p.m.]

Send your 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.

Energy-boosting alternatives to coffee

By Nancy Oliveira

When you’re low on energy, is it worth trying yerba mate, yaupon tea, matcha and other beverages that promise similar energy perks and health benefits as coffee and tea? Often marketed as wellness drinks, coffee alternatives like these are trending, according to the International Food Information Council. So, how do a few popular alternatives stack up nutritionally? Do they rely on caffeine for an energy boost? Do they contain potentially healthy (or unhealthy) plant compounds?

The basics on coffee and tea

According to a National Coffee Association survey, 70% of American adults drink coffee, and 62% of those do so daily. Observational studies have linked compounds in coffee beans called

polyphenols and antioxidants with health benefits, including a lower risk of Type 2 diabetes, heart disease, and neurodegenerative disorders such as Parkinson’s and Alzheimer’s disease.

Yet most of us probably don’t drink it for those reasons. Coffee aficionados enjoy a caffeine energy boost that improves clarity and focus, and savor its fragrance and rich flavor.

Still, not everyone is a fan: Caffeine makes some people feel jittery, and the caffeine and acidity can irritate sensitive stomachs.

Coffee’s cousin, tea, is the second most popular beverage globally, behind water, and is enjoyed by a third of Americans.

Most types of tea contain about half the caffeine of coffee (herbal teas have little to none) with less acidity. Tea also contains health-promoting antioxidant

compounds, such as flavanols.

Caffeine comparison: 8 ounces of brewed coffee contains about 95 mg of caffeine; instant coffee about 60 mg; black tea about 47 mg; and green tea about 28 mg.

Facts about yerba mate

Yerba mate (or mate) is an herbal tea from the Ilex paraguariensis tree in South America that has an earthy and more bitter flavor than other teas. It contains antioxidant polyphenols plus as much caffeine as coffee, or more (80 to 175 mg per cup).

Preliminary research suggests it might promote weight loss and lower blood cholesterol, but studies are inconclusive. Users report less fatigue and better focus — likely from its caffeine content — but without jitteriness.

Downside: Certain processing meth-

ods of mate, such as drying the leaves with smoke, may introduce polycyclic aromatic hydrocarbons — the same carcinogenic substances found in grilled meats.

Some research links drinking large amounts of mate over time with increased risk of certain cancers. Unsmoked mate (which is processed by air drying) may be safer.

Facts about yaupon tea

Like mate, yaupon is an herbal tea. Native to the U.S., it has a mellow, grassy flavor similar to green tea. It contains chlorogenic acid and antioxidants purported to decrease inflammation and boost energy.

This tea has 60 mg of caffeine per cup and also provides theobromine, a compound structurally similar to caffeine

Justice For Clergy Abuse Survivors

In April, Maryland passed a law giving survivors of child sexual abuse the right to file civil lawsuits against the organizations and institutions that helped perpetrators commit, or concealed, their abuse.

The law was passed after the Maryland Attorney General issued a report concluding that the Catholic Church had assisted more than 160 priests and clergy commit and cover up decades of horrific abuse to hundreds of children.

Those survivors can now seek financial damages without worrying about it being too late.

Be Heard, Be Believed and Get Justice

At D’Amore Personal Injury Law, we have assembled a team of experts to help survivors of clergy abuse pursue significant financial compensation.

Our number one priority is to ensure your safety, confidentiality and to keep you in control. You may even choose to remain anonymous in any action. Schedule

www.damoreinjurylaw.com

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Housing Communities

District of Columbia

❏ Chevy Chase House (See ads on pages B6, B11)

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❏ Vida Senior Residences (See ad on page B4)

Maryland

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Virginia

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Clinical Health Studies

❏ Flu & COVID-19 Vaccine Studies (See ad on page 20)

❏ Hearing Study (UMD) (See ad on page 20)

Check the boxes you’re interested in and return this form to: The Beacon, P.O. Box 2227, Silver Spring, MD 20915 or take a picture and email to housing@thebeaconnewspapers.com. Feel free to return this coupon together with the coupon found on page B-9 of this issue.

Expanded treatment options for migraine

By Amaal Starling, M.D.

Dear Mayo Clinic: I’ve had migraines since I was a teenager. My pediatrician said it was likely hormonal since they often occurred during my menstrual cycle.

Over the years, I have tried various prescription and over-the-counter medications to treat migraines, as well as preventive therapies, but I continue to struggle. I feel as if my headache days are increasing. I often miss work and cannot participate in activities with friends and family.

I’m wondering if any new advances have been made in migraine medications.

A: Migraine is a common and poten-

tially disabling disorder. Migraine attacks can cause severe, throbbing head pain or pulsing sensations, as well as nausea, vomiting and sensitivity to light and sound. It is estimated that migraines affect almost 40 million people in the U.S. For many years, patients were limited in treatments that would stop migraine symptoms once they started. Most relied on either over-the-counter pain medications or a class of prescription drugs known as triptans, which were available as pills, injections and nasal sprays.

Research, though, has shown that if taken too frequently, both the nonprescription and prescription acute medications may worsen the headache disorder. This is known as a “medication-

overuse headache.”

Preventive options

To decrease the frequency and severity of migraine attacks, many people have used long-term preventive treatments. However, most were medications that had originally been intended to treat other conditions, such as drugs to lower blood pressure, antidepressants and anti-seizure drugs.

In addition, these drugs can cause side effects, such as nausea and dizziness, that can make sticking to treatment difficult.

As knowledge has grown about what is happening in the brain when a migraine attack occurs, the list of available treatments is expanding.

Scientists studying migraine found a specific protein — calcitonin gene-related peptide — that was released during a migraine attack. When a migraine attack was stopped, say with a medication like sumatriptan, the blood level of the calcitonin gene-related peptide protein would go down.

This led to the advent of targeted preventive treatment options specifically designed for migraine. The first calcitonin gene-related peptide monoclonal antibody to prevent migraine was approved in 2018.

Today, four drugs have been approved:

• Eptinezumab (Vyepti)

• Erenumab (Aimovig)

• Fremanezumab (Ajovy)

• Galcanezumab (Emgality)

They’re designed to find calcitonin gene-related peptide proteins or calcitonin gene-related peptide receptors and basically hug them so that they are inactive.

Two calcitonin gene-related peptide receptor antagonists also prevent mi-

graine and reduce calcitonin gene-related peptide receptor activity:

• Atogepant (Qulipta)

• Rimegepant (Nurtec ODT)

As with the earlier therapies, there are positives and negatives to the new calcitonin gene-related peptide medications.

Not every medicine will work for each person. Some of the newer drugs are not well-covered by insurance, so you will want to speak with your healthcare professional about the best options.

And while these new medications offer fewer side effects, the long-term side effects are still not known.

As-needed medications

Based on the understanding of calcitonin gene-related peptide protein, new as-needed migraine medications also target the calcitonin gene-related peptide. That is good news for about 30% to 40% of people living with migraines who found triptan-based medications didn’t work for them or were not well-tolerated. Also, triptans can potentially narrow blood vessels, so people with a history of stroke, heart attack, ministrokes or uncontrolled hypertension were advised not to take them.

Now, two new calcitonin gene-related peptide receptor antagonists are available for as-needed treatment of migraine — and they don’t narrow blood vessels. They are ubrogepant (Ubrelvy) and rimegepant, which is also approved to prevent migraine.

These oral medications block the calcitonin gene-related peptide receptor to hopefully stop a migraine attack while it’s happening. More research is need-

Coffee alternatives

From page 6

found in cocoa beans and many teas.

Theobromine increases blood flow and may increase energy and alertness, but this boost is slower to start and lasts longer than caffeine. In contrast, caffeine provides a quick, but short-lived, jolt.

Downside: Yaupon may increase heart rate and interfere with sleep, especially if you drink a large amount or sip it at bedtime.

Facts about matcha tea

Matcha comes from the same Camellia sinensis plant as green tea. However, unlike green tea, matcha is grown in the shade, which protects it from sunlight and oxidation, and contributes to its bright green color and higher polyphenol content.

Whole tea leaves and stems of matcha are ground into a fine powder, which is then whisked with hot water or milk. Matcha contains about 40 to 175 mg of caffeine per cup.

It has the same antioxidant polyphenols as green tea, specifically theanine

and catechins. However, because whole leaves are used to make matcha, it may contain higher concentrations than standard green tea.

Downside: While green tea has low to moderate amounts of caffeine, matcha can have very high amounts, even more than coffee.

Facts about chicory coffee

Chicory is the root of the Chicorium Intybus plant that is dried, roasted and ground.

Chicory contains a prebiotic fiber called inulin that caramelizes during roasting, giving the drink a dark brown color with a nutty, sweeter and less bitter flavor than traditional coffee.

It tastes similar to regular coffee but does not offer the same energy boost, as it is caffeine-free. (Some people mix chicory coffee with brewed coffee for a lower-caffeine drink.)

Animal studies show that chicory root has anti-inflammatory properties. Inulin may benefit the gut microbiome and bowel health, but the small amounts found in chicory coffee are not likely to provide such a benefit.

Downside: The chicory plant comes from the same family as ragweed, so chicory coffee may cause allergic reactions in people sensitive to ragweed pollen.

The bottom line

Coffee-alternative wellness drinks are fine to choose if you like the taste. Just don’t assume they’re healthier, because no strong evidence supports claims of weight loss, heart health or cancer prevention.

Keep in mind that adding ingredients to your beverage can negate any healthpromoting effects. For example, some

research suggests that adding protein and fat to tea through milk or creamer can reduce antioxidant properties and might deactivate flavonoids.

And even if natural compounds remain intact, saturating a beverage with sugar, half-and-half, syrups or whipped cream transforms it into a dessert, neutralizing any potential health perks.

Nancy Oliveira, MS, RD, LDN, CDCES, is a contributor to Harvard Health Publications.

© 2023 Harvard University. Distributed by Tribune Content Agency LLC.

Causes and treatments for ear infections

Dear Mayo Clinic: I swim for exercise and relaxation. I try to get in the pool about three times a week.

Recently, I have begun to have episodes where it feels like water is still in my ear. Then my ear becomes red and painful. A friend suggested I might have swimmer’s ear.

Is this something that is easy to treat? Do I need to stop swimming?

A: Swimmer’s ear is an infection in the outer ear canal, which runs from your eardrum to the outside of your head. It’s often brought on by water that remains in your ear, creating a moist environment that aids the growth of bacteria. Swimmer’s ear also is known as otitis externa, and it can affect people of any age.

It can also affect those who do not spend time in the water, since it occurs because of bacteria invading the skin inside the ear

canal. Excess moisture in the ear from heavy perspiration or prolonged humid weather can be a culprit.

Scratches or abrasions in the ear canal increase the risk of developing otitis externa. Putting fingers, cotton swabs or other objects in the ears, such as earbuds or hearing aids, also can lead to this infection by damaging the thin layer of skin lining the ear canal. Any small breaks in the skin can allow bacteria to grow.

Being aware of the risk for the condition and prompt treatment can prevent complications and other, more serious issues. Typically, you can treat swimmer’s ear with ear drops. Recurrent infections may require additional treatment.

Common signs of swimmer’s ear are what you described: redness and mild discomfort that worsens when the ear is pulled or pushed. Occasionally, people

have itching in the ear canal as well as some drainage of clear, odorless fluid.

Swimmer’s ear symptoms are usually mild at first, but they can worsen if the infection isn’t treated or if it spreads.

It is important to be aware if you begin to experience a feeling of fullness in your ears, increased pain or more intense itching, or begin to have hearing complications. The infection may be progressing. Temporary hearing loss could occur until the infection clears.

Follow these tips to avoid swimmer’s ear:

Keep ears dry. After swimming or bathing, dry your ears by wiping the outer portion gently with a soft towel or cloth. Tip your head to the side to help water drain from the ear canal. You also can use a hair dryer on the lowest setting, holding it at least a foot away from the ear.

Use a preventive treatment. As long as you do not have punctured eardrums, you can use homemade preventive eardrops before and after swimming to help reduce the risk for swimmer’s ear.

A mixture of one-part white vinegar to one part rubbing alcohol can promote drying and prevent the growth of bacteria and fungi that can cause swimmer’s ear. Pour 1 teaspoon of the solution into each ear and let it drain back out.

Similar over-the-counter solutions might be available at your drugstore. Additionally, consider wearing earplugs while swimming.

Avoid putting foreign objects in the ear. Cotton swabs can pack material deeper into the ear canal, irritate the thin skin inside the ear or break the skin. If you are trying to clean the ear and remove wax, do so without using cotton swabs or other instruments.

Protect ears from irritants. Putting cotton balls in the ears while applying products such as hair sprays and hair dyes can reduce the risk of bacteria getting into the ear canal.

Since you have not been diagnosed with swimmer’s ear, it would be helpful to talk with your primary healthcare professional to confirm the condition and provide the proper treatment.

You should not have to give up swimming for exercise, but you may need to take a temporary break from the pool for a few days. Your healthcare team can offer guidance on when to return to the water. — Compiled by Mayo Clinic staff © 2023 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Content Agency, LLC.

BEACON

Oct. 5+

BITS

COVID AND FLU VACCINE CLINICS

Several senior villages in Montgomery County are sponsoring Covid and flu vaccination clinics open to county residents 60 and over; insurance is accepted (except Kaiser or VA health plans). To make a reservation for Thu., Oct. 5 at Silver Spring Village, call (240) 8335580 x 6; Fri., Oct. 6 at North Bethesda Village & Village of Kensington, visit northbethesdavillage.org; Wed., Oct. 18 at Long Branch Community Center, call (301) 646-2109; Fri., Oct. 20 at Summer Village Community Center, call (301) 320-3267; Sat., Oct. 21 at Wyngate & Maplewood Neighbors Helping Neighbors Village, call (301) 399-5112.

Avoid holiday anxiety, shopping stress

By Suzy Cohen

The other day I realized why I feel stressed in stores lately. I feel inundated with Halloween decorations, Thanksgiving and even Christmas paraphernalia. I’m nowhere near holly or jolly right now; I’m still wearing shorts.

There used to be some separation in the old days, remember that? Halloween was often the turning point in the year, but now there are shameful displays that begin in late summer. There’s no breather between the holidays now. I feel like Lucy working

Migraines

From

ed, but these drugs don’t appear to have the same risk of medication overuse headache as other as-needed migraine treatments.

Another new as-needed medication that’s not related to calcitonin gene-related peptide is available. Known as lasmiditan (Reyvow), this drug works on serotonin receptors. But it works on a different subtype of these receptors, so it does not narrow blood vessels. This is great for people who had success using triptans but had to stop using them after having a heart attack or stroke.

Even with the plethora of options now available, some people may still need a combination of treatments. It can feel hopeless some days.

Rest assured that scientists are working to identify other targets that trigger migraine attacks. For example, another protein called pituitary adenylate cyclaseactivating peptide is under investigation.

At Mayo Clinic, several focused efforts are underway, including a Migraine Research Program that is study-

the conveyor belt of chocolates!

I’m not the only one. It’s called “The Christmas Creep,” and it’s intended to get you to spend more money, much sooner. While companies will improve their bottom line, our stress as a population will rise. Inflation has created challenges for many, so there’s less money to spend on gifts, decorations and lights.

The Christmas Creep is a real thing, and here’s what you can do to cope with it: Avoid stores that cause anxiety. Choose boutique stores or shop online. Go

ing the role of genetics and the environment in migraines.

Also, a Neuroimaging of Headache Disorders Lab is focused on trying to better understand the neurobehavioral complexities of migraine and other headache disorders. Teams of experts are dedicated to research to identify additional molecules and proteins, and then develop new treatment options for every person with migraine.

I always recommend that patients visit a neurologist or headache specialist annually. Discuss your current situation, what you think is working, and whether the new medications may offer relief. It is not uncommon to try different therapies until you find the one that works.

Amaal Starling, M.D., Neurology, Mayo Clinic, Phoenix Mayo Clinic Q & A is an educational resource and doesn’t replace regular medical care. Email a question to MayoClinicQ&A@mayo.edu. For more information, visit mayoclinic.org.

© 2023 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Content Agency, LLC.

to stores that respect the time frame of holidays.

Practice introspection. Avoid impulse buying. Don’t make a purchase until you feel comfortable doing so. Purchase things that people need right now, or buy a gift card.

If your budget is tight, bake something or make a homemade craft. People who care for you don’t even need a gift; they just need to know you love them.

Stick to a budget. Anxiety sets in when you feel out of control, and if you don’t set a price limit for the holidays, you’ll wind up in trouble come January when your credit card bill arrives.

Stay focused and set a time limit.

If you have to go into a store, set a time frame for the item(s) you need. Set the timer on your phone and avoid a tailspin by avoiding aisles with things you don’t need. Find out return policies. Will you be able to get a refund on an item if you change your mind?

Stay calm. What’s wrong with a cup of warm green tea or a sniff of lavender? These items are calming, as compared to a double-shot espresso drink, which cranks up stress-related neurotransmitters.

Limit social media. Online platforms will advertise holiday items to you and pay to get on your Facebook and Instagram

NOT

50+Expos return to Virginia, Maryland

The Beacon newspaper’s annual in-person 50+Expos return this month. Thousands of older adults and their families are expected to attend the free events, featuring a range of valuable resources, informative speakers, health screenings, volunteer opportunities and entertaining activities tailored to their interests and needs.

This year’s 50+Expos will be held at two locations:

Springfield Town Center, Springfield, Virginia Sunday, October 15, from noon to 4 p.m. Silver Spring Civic Building, Silver Spring, Maryland Sunday, October 22, from noon to 4 p.m. (Note, this is a return to the event’s earlier location, which is different from last year’s venue.)

A new partnership

In Springfield, the Beacon is proud to

partner for the first time with the Fairfax Area Agency on Aging’s annual “Venture into Volunteering” fair, featuring more than 35 government agencies and nonprofits offering exciting volunteer opportunities. The volunteer fair will take place downstairs at the Town Center.

At the Silver Spring Expo, hear a captivating “Keynote Conversation” between the Beacon’s publisher and veteran journalist, radio host and TV news anchor, Tony Perkins, renowned for his work with NBC4 and MAJIC 102.3. (See this month’s cover story for more about him.)

Both locations will host a diverse array of exhibitors, including government agencies, nonprofits and local businesses. Attendees will be able to obtain valuable information about housing options, home remodeling, home care, financial planning and investments, insurance, healthcare, fit-

ness, senior resources and much more.

Many exhibitors will be offering giveaways as well as useful information. Door prizes include gift baskets, fine wine, theatre tickets, gift cards and more. Parking is free at both events.

Vaccines and health screenings

Ensuring the health and well-being of attendees is also a top priority. The Expos will provide a number of important vaccines, including the latest Covid vaccine, the newly-approved RSV vaccine, regular and high-dose flu shots, Shingrix (shingles), pneumonia and tetanus vaccines. Bring your Medicare and/or insurance card if you have one.

To encourage proactive health management, free health screenings for blood pressure, glaucoma, blood glucose and cholesterol will also be offered.

The 50+Expos are made possible by the generous support of many local businesses, nonprofits and government agencies. Gold Sponsors are AARP Virginia and Brandywine Living at Potomac.

Silver Sponsors include Giant Pharmacy, Johns Hopkins Health Plans, Maryland Relay, Adventist HealthCare, Pepco, Anthem Blue Cross Blue Shield, and Asbury Methodist Village.

Bronze sponsors are AARP Maryland, Harmony Senior Living, Westminster-Canterbury on Chesapeake Bay, Housing Initiative Partnership, Five Star Premier Residences of Chevy Chase, United Healthcare Medicare, Xfinity, Autumn Lake Healthcare, Aarondale, Heatherwood, Montgomery County Recreation, Montgomery County Aging & Disability Services, and Fairfax Area Agency on Aging.

For additional information, call (301) 949-9766 or visit www.thebeaconnewspapers.com/50expos.

Holiday stress

From page 11

feeds so they can stalk you. For example, Google “Pilates ball” and you will soon see two dozen ads for them.

But that’s not all. There are few things worse for our younger generation than comparing themselves to their peers. It generates constant mental mulling, anxiety and feelings of inferiority.

In closing, kick off the holiday season when you want to, and don’t feel pressured. Use coping strategies to help yourself, and become self-aware of how certain stores make you feel.

Spend your dollars wisely, and do the holidays on your own time frame.

For more articles by Suzy Cohen, visit suzycohen.com.

BEACON BITS

Oct. 26

MONTGOMERY COUNTY SUMMIT ON AGING

This special free event features Montgomery County Executive Marc Elrich, Maryland Secretary of Aging Carmel Roques, and other elected officials and experts in aging. The goal is to hear county residents’ perspectives and experiences, and to explore ways to enhance the quality of life in the county. The event takes place from 8:30 a.m. to 3:30 p.m. at the Silver Spring Civic Building in downtown Silver Spring, Maryland. In-person tickets are limited, but those on the wait list will receive a link to participate virtually. Visit bit.ly/MoCoSummit to register. For more information, call (240) 777-1350.

Fruits that indulge your sugar cravings

By Jenny McCoy

While there is absolutely nothing wrong with enjoying something sweet, if you have a hard-to-satisfy sweet tooth, looking for alternatives that will help scratch the itch — sans added sugar — is a great way to support your health in the long run. Enter fruit.

Here is a roundup of six especially sweet fruits, all recommended by food experts, that can serve as great substitutes when your next craving strikes.

1. Dates: This sweet, chewy, tender and ever-so-slightly smoky dried fruit is a stellar choice if you’re craving something sticky and sweet like pecan pie, said Liza Kimminau, manager of Bumble Bee Juice in Easton, Maryland.

They’re naturally full of fiber, potassium and antioxidants, and plenty sweet when eaten plain. You can also make a more substantial snack by halving the fruit, adding a teaspoon of your favorite nut butter and sprinkling on homemade granola.

2. Fresh figs: Figs are sweet, hearty and full of flavor — all qualities that make them a great substitute if you’re craving something somewhat dense like a nut cake, Kimminau said They’re also a great source of fiber.

For a sweet breakfast, lunch, snack or dessert, top a couple of slices of your favorite whole grain or sprouted grain toast with organic ricotta cheese. Then, add fresh, sliced figs on top, Kimminau recommended.

3. Red grapes: These plump orbs are bursting with sweet, tart flavor, plus vitamins C and K, and antioxidants. “Perfectly ‘poppable,’ grapes are the ideal snack when

craving something sweet and fun to eat, like candy or popsicles,” Kimminau said.

For a frozen, mini popsicle-esque treat, try Frosted Grapes: Rinse your grapes, stick them in the freezer and enjoy once thoroughly chilled.

4. Pineapple: This tropical, slightly floral fruit is loaded with fiber, vitamin C and bromelain, an enzyme that may help with inflammation and digestion, said Sara Haas, RDN, registered dietitian and author, who recommends freezing cubed pineapple for a chilled treat.

You can also mimic the flavor of pineapple upside down cake by sprinkling large slices of pineapple with cinnamon and allspice and placing them on a nonstick grill, suggested Jess Swift, M.S., RD, a Washington, D.C.-based chef and registered dietitian. Cook for 3 to 5 minutes per side or until the pineapple begins to brown.

5. Wild blueberries: Along with an earthy sweet taste, this type of blueberry, slightly smaller than the farm-grown version, delivers fiber, vitamin A, potassium, folate and vitamin C, said Haas. Add a handful of these to your morning bowl of cereal the next time you’re craving a sugary breakfast cereal. They also pair well with plain yogurt for a sweet and creamy snack, she said.

6. Peaches: This juicy fruit, a moderate source of vitamins A and C, is plenty sweet, but it becomes even more delicious when transformed into a healthy version of a peach galette.

To do so, cut the peach in half and sprinkle it with cardamom and ginger. Grill for 4 to 5 minutes per side or until the peach be-

gins to soften. Drizzle with a balsamic glaze and top with fresh mint, Swift suggested.

EatingWell is a magazine and website devoted to healthy eating as a way of life.

Online at eatingwell.com.

© 2023 Dotdash Meredith. All rights reserved. Used with permission. Distributed by Tribune Content Agency, LLC.

DEMENTIA CONSULTATION

Ideas for building a satisfying breakfast

By Lori Zanteson

Breakfast may be the least popular meal of the day. Hunger, time, motivation — whatever it is, plenty of research suggests that breaking the nightly fast is healthier than skipping it altogether. Still, it can be a challenge.

And, let’s face it, American breakfast foods are generally not ideal. We favor foods like processed meats (bacon, sausage), pastries, and high-sugar cereals. Though we also welcome better choices, such as fruits, whole grain breads and cereals, the American breakfast is very limited.

If you’re ready to improve the quality of your a.m. repast, we’ve got you cov-

ered with tools and tips to help you build a better breakfast.

Why eat breakfast?

Breakfast is recommended as an important component of a nutritionally optimal diet by governments and health and nutrition organizations internationally. Regular breakfast consumption is associated with higher intakes of micronutrients, like vitamins and minerals, a healthier diet that includes fruits and vegetables, and fewer snacks, sweets and sugary beverages.

It also fuels the body and brain and regulates hunger, which can reduce snacking during the day and has been as-

sociated with a decreased risk of obesity.

What’s good to eat

Ideally, breakfast would include a variety of whole, minimally processed foods from all the food groups.

Research shows that eating proteins (fish, poultry, eggs are okay occasionally), healthy fats (olive oil, avocado, nuts and nut butters), and fiber-rich foods (fruits, vegetables, whole grains) can satisfy hunger longer, which may cut down the urge to snack later in the day.

Keep in mind that even if you don’t include this variety of foods in the morning, you have the rest of the day to fill them in. Just be sure to minimize ultraprocessed breakfast cereals, pastries and meats, like sausage and bacon. Save them for occasional breakfast treats.

Quick and simple suggestions

Get started with these simple, doable solutions:

• Leftovers. Make extra servings when preparing any meal to pack up for a grab-and-go breakfast.

• Toast toppers. A slice of whole grain bread, English muffin, or bagel half can host instant, nutritious toppers such as nut butter, sliced fruit, 100% fruit spread, avocado or tomato.

• Fillers. Whole grain pita and tortillas are easy to stuff or roll with hardboiled or scrambled egg, canned chicken and tuna, and veggies like spinach, tomato and mushrooms. Add salsa, mustard, yogurt, herbs and spices to taste.

• Overnighters. Most whole grains, including oats, quinoa and barley, can be soaked in liquid (milk of choice, water, broth) while you sleep. In the morning, top with fresh or dried fruit, nuts and cinnamon. Or go savory and top with chopped frozen, canned or fresh vegetables, and protein, like tofu, egg or lean sliced meats.

• Bowls. Assemble a bowl of Greek yogurt or low-fat cottage cheese and add two to three sweet or savory additions, like black beans, fruit, vegetables, nuts, granola or muesli.

• Blenders. It’s better to eat whole ingredients, but when it comes to a quick-to-make, easy-to-grab meal, whirl together fruit, veggies, nut butter, seeds, and plant or dairy milk or yogurt and call it a day.

Reprinted with permission from Environmental Nutrition, a monthly publication of Belvoir Media Group, LLC, 1-800829-5384, EnvironmentalNutrition.com.

© 2023 Belvoir Media Group. Distributed by Tribune Content Agency, LLC.

Safe Drivin g for Ol d er Ad ults

Most older adults value the independence they retain by being able to drive. However, changes in health may impact a person’s driving skills. It can be hard to recognize or admit when it’s no longer safe to drive. For many older adults, “giving up the keys” means a loss of freedom of choice and movement. But many older adults can continue to drive safely with some adjustments and precautions.

How aging may affect driving

Stiff joints and muscles. As we age, joints may get stiff and muscles may weaken, making it harder to turn your head, turn the steering wheel quickly or brake safely.

Trouble seeing. Eyesite can change with age, making it harder to see people, things, and even street or traffic signs. At night, glare from oncoming headlights may be a problem.

Trouble hearing. Age-related hearing loss may make it harder to notice

warning sounds like horns, sirens, or even noises coming from your car. Medications. Some medicines may cause drowsiness or lightheadedness, which can make driving unsafe. Slower reaction time and reflexes. With age, reflexes and reaction time may slow down.

Tips on how to be a safer older driver

Talk with your doctor. If you have any concerns about your health and driving, see your doctor. Don’t risk hurting yourself or others.

Be physically active. This will help you retain or improve your strength and flexibility, and may help your driving abilities.

Take care of your eyes and ears. Get regular vision and hearing tests to make sure your prescription is upto-date and correct. Always wear your glasses and hearing aids while driving.

Adjust driving habits. Avoid driving during bad weather or at certain times of day. Stop driving at night if you have trouble seeing. Don’t crowd the driver in front of you. Reduce speed and increase the following distance to allow for slower reaction times.

Wear seat belts. Seat belts save lives. Buckle up — every single time. Limit distractions. Eating, adjusting the radio, or chatting can all be distracting.

Use window defrosters. These will help keep windows and windshields clear.

Consider adaptive devices. Think about getting hand controls for both the gas problems.

How to improve diving skills

The American Automobile Association’s (AAA) RoadWise Driver Safety Course (bit.ly/RoadWiseDriver) is designed to help older adults adjust to age- related physical changes to extend their safe driving career. Try an online self-assessment, such as the one from the National Highway Traffic Safety Administration (NHTSA), (bit.ly/DrivingSelfAssessment) to gauge your abilities.

Take a driver safety course. Organizations such as AARP (bit.ly/ DriverSafetyCourses) or your car insurance company can help you find a nearby resource. In Maryland, you may even save on your auto insurance after taking the course.

Resources

Centers for Disease Control and Prevention (CDC) bit.ly/CDCOlderDrivers

Clearinghouse for Older Road User Safety (CHORUS) bit.ly/RoadSafeSeniors

Health in Aging bit.ly/OlderDriverSafetyTips

National Institute on Aging bit.ly/NIHSafeDriving

Know the hidden secrets of paper towels

By Suzy Cohen

Paper towels are a household staple. You wipe your counters with them, dry your hands, and maybe even pat your freshly washed lettuce like I do. But have you ever paused and pondered over what’s lurking within those white sheets? The answers might surprise you.

First, let’s talk about how they feel. Ever notice the luxurious softness of VIVA compared to the rugged strength of Bounty? It’s no coincidence. Companies prioritize certain qualities over others. The tactile difference between brands can be attributed to the type of trees used for pulp.

Ironically, hardwood trees like oak produce softer paper, while softwood trees like pine produce a more robust paper towel that makes for a great “pickerupper.”

Processed with chemicals

However, beneath this benign exterior, there’s a storm brewing. The production process and the chemicals used can be startling! For example, bleaching agents and formaldehyde are involved, and contaminants like BPA are introduced.

White paper towels look pristine, don’t they? But the truth is, to achieve that snowy white, a bleaching process is employed that isn’t all that pure.

Chlorine, a primary agent, can give rise to harmful substances known as dioxins and furans. These persistent organic pollutants, or “POPs,” can remain in the environment for extended periods and may accumulate in the food chain.

While some companies have moved towards more environmentally friendly bleaching methods, many still rely on traditional, potentially harmful methods.

Formaldehyde, primarily recognized for its uses in plywood and cosmetics, serves a secret role in paper towels. It grants them that ‘wet strength’ — the ability to stay intact when damp.

But here’s the catch: Formaldehyde is a classified carcinogen. Even though the amount in paper towels is minuscule, the very idea of it being present might be disconcerting for many.

BPA, frequently found in plastics, has a hidden appearance in paper products as well. Recent scientific revelations regarding its potentially harmful effects led to its

decline. However, its replacement, BPS, might not be any safer. Both chemicals can disrupt our body’s hormonal balance, impacting various essential hormones.

Even recycling contaminates

Recycled paper towels sound like the epitome of eco-friendliness. Still, the reality is complicated.

The recycling process, intended to purify and repurpose paper, can introduce a unique array of chemical contaminants. And there’s the ever-present worry: Is the recycling process foolproof? Or are we introducing unknowable contaminants into our homes?

But before we throw the baby out with the bathwater, let’s put it into perspective.

While these revelations might be alarming, the actual risk paper towels pose is low, especially when juxtaposed against other daily exposures.

That said, knowledge is power. Being informed can guide our choices towards healthier, more sustainable options. As for me, I’ve purchased some soft “flour sack” towels, and I’m using those more frequently in order to reduce my paper towel usage.

Paper towels undoubtedly add convenience to our lives, and I’m not giving mine up just yet. But using washable cloths and rags may help. As they say, every little bit helps!

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

Answers on chronic inflammation, earwax

By Howard LeWine, M.D.

Q: I hear so much about the dangers of chronic inflammation. What dietary changes can I make to reduce the risks?

A : Diet plays an important role in chronic inflammation, most likely due to the ingredients in the foods and beverages we ingest and the bacteria that populate our intestines, known as our microbiome.

These intestinal bacteria release chemicals that may spur or suppress inflammation. Some foods encourage the growth of bacteria that stimulate inflammation, while others promote the growth of bacteria that help suppress it.

Here are some of the foods and bever-

ages with beneficial ingredients that have been linked to less inflammation:

• Fruits and vegetables. Most fruits and brightly colored vegetables naturally contain high levels of antioxidants and polyphenols — potentially protective compounds found in plants.

• Nuts and seeds. Studies have found that consuming nuts and seeds is associated with reduced markers of inflammation and a lower risk of cardiovascular disease and diabetes.

• Beverages. The polyphenols in coffee and the flavanols in cocoa are thought to have anti-inflammatory properties. Green tea is also rich in both polyphenols and antioxidants.

Studies have shown that polyphenols

have multiple anti-inflammatory properties. A review published in the British Journal of Nutrition summarized a number of studies supporting the notion that dietary polyphenols may lower inflammation in the body and improve the function of cells that line blood vessels.

Foods high in polyphenols include onions, turmeric, red grapes, green tea, cherries and plums, as well as dark green leafy vegetables such as spinach, kale and collard greens.

In addition, olive oil, flaxseed oil and fatty fish such as salmon, sardines and mackerel offer healthy doses of omega-3 fatty acids, which have long been shown to reduce inflammation.

Foods that fuel inflammation

The foods that contribute to inflammation are the same ones generally considered bad for other aspects of health. These include sugary sodas and refined carbohydrates (like white bread and pasta), as well as processed meats.

Such unhealthy foods are also likely to contribute to weight gain, which is itself a risk factor for inflammation.

In addition, certain components or ingredients in processed foods, like the emulsifiers added to ice cream, may have effects on inflammation.

How to reduce inflammation

To practice anti-inflammatory eating, it’s best to focus on an overall healthy diet rather than singling out individual “good” and “bad” foods.

In general, a healthy diet means one that emphasizes fruits, vegetables, nuts, whole grains, fish and healthy oils, and limits food loaded with simple sugars (like soda and candy), beverages that contain high-fructose corn syrup (like

juice drinks and sports drinks), and refined carbohydrates.

Q: I get a lot of earwax buildup. Why do some people have this problem? Can I prevent it?

A: If the wax in your ear isn’t causing any discomfort or problem hearing, you don’t have to do anything about it.

Earwax (cerumen) is made in the ear canal. It serves four main purposes:

• It moistens the skin to prevent dryness and itching.

• It helps protect the canal and eardrum from damage.

• It helps stop bacteria from multiplying, so it helps prevent infections.

• It keeps the ear clean. The oily substance made by the cells lining the ear canal mixes with the dead skin and debris inside. The mixture then slowly moves out of the ear.

The consistency of earwax ranges from liquid to rock-hard. It depends on the makeup of the wax. It also depends on how long the wax has been in the canal.

The higher the proportion of dead skin cells and hair, and the longer the mixture has been in the ear canal, the harder the wax.

The ear should remove wax naturally. However, some reasons for excessive buildup include:

• An especially narrow or curvy ear canal.

• A skin condition, such as eczema, that is affecting the canal.

• Excessive hair growth in the canal.

• Trying to clean your ears with a Q-tip. This can push the wax farther back into the ear canal, where it builds up and hardens.

• Wearing a hearing aid or earplugs.

You only need to remove earwax if it

The buzz on honey and its many benefits

Honey, a luscious, golden elixir, has not only graced our breakfast tables and sweetened our tea, but has been revered for its medicinal benefits for millennia. While it’s a natural sweet treat for many, there are some intriguing facts about honey that may surprise you.

Here are the top five medicinal magic properties of honey:

It’s anti-microbial

Different flowers are used

Not all honey is created equal. From almost clear to deep brown, honey’s hue is determined mainly by its floral source.

Since it’s a bee byproduct, many vegans prefer plant-based sweeteners like Bee Free® Honee, monk fruit or stevia.

Allergies

sponsible for most pollen allergies are too large to be carried by bees.

DEAR PHARMACIST

Honey’s claim to fame is not just its sweetness. Rich in antioxidants, it fights off free radicals and repairs tissue damage. With its natural antibacterial properties, honey speeds up the healing of wounds and even combats certain harmful bacteria like Staphylococcus aureus.

By Suzy Cohen

Dark kinds of honey, like buckwheat, are rich in antioxidants and flavor. (By the way, buckwheat-derived honey is still wheat and gluten-free.) Lighter kinds of honey, like those from orange blossoms, offer a milder taste.

And then there’s the star of the honey world: Manuka. Hailing from New Zealand, Manuka honey boasts unique therapeutic properties and is often used in wound care.

No honey for babies

Thanks to its anti-inflammatory effects, it’s also a soothing remedy for sore throats and coughs. The osmotic effect of honey draws out bacteria from inflamed pores, making it a darling in many skincare regimens.

If you make homemade yogurt like I do, you should know that it will not ferment if you add “raw” honey because the natural antibiotic properties will kill your probiotic starter culture during incubation.

Honey and infants? Wait until their first birthday. Babies below the age of 12 months shouldn’t be given honey due to the risk of botulism. But as children grow older, they can safely savor its sweetness.

Vegan or just vegetarian?

Honey’s place in the vegan or vegetarian diet stirs debate. While it comfortably sits on vegetarian menus, its vegan status is contentious.

If you are allergic to some flowers, as many people are, it’s natural to question whether the honey derived from that flower’s nectar would also trigger an allergic reaction. However, honey allergies stemming from floral sources are quite rare. This is because the pollen grains from flowers re-

Instead, bees carry smaller, nectar-bearing pollen grains, which rarely cause allergic reactions. Once collected, bees return to their hive and transform this nectar into honey by a process of regurgitation, enzymatic activity and evaporation.

In short, honey is not collected from a flower’s stems or leaves. That said, it’s always

Primary Care At Home

•

•

•

•

See HONEY BENEFITS, page 20

Health Studies

Have prediabetes? Try this helpful class

By Margaret Foster

One in three Americans has prediabetes and doesn’t know it. If untreated, the condition can lead to type 2 diabetes, which can wreak havoc on the body.

The good news is that type 2 diabetes can be prevented if you make a few lifestyle changes, which is easier said than done.

That’s where Johns Hopkins comes in. Its Diabetes Prevention Program, led by people trained by the Centers for Disease Control & Prevention (CDC), is a “yearlong lifestyle change program,” explained Megan Brown, program director.

“We’ve had really good results,” Brown said. “The thing that’s most appealing are

Paid Volunteers Needed to participate in hearing research

You will receive $15 per hour for your participation!

Who? Persons 65 – 85 years old with either normal hearing or hearing impairment

American English must be your first language.

Where? Dept. of Hearing & Speech, LeFrak Hall, Univ of MD

What does the research involve? You will be seated in a sound booth and will listen to sentences, tones, or noise bursts. You will be asked to push a button when you hear a particular sound, repeat the words or sentences you hear, or watch a video while we record your brainwaves to the sounds presented.

How long will it take? Initial evaluation (to determine eligibility): 2 hours; pre, post, and training portion = approximately 25 hours.

For more information, please contact:

Carol

Gorham at 301-405-4236

Help Fight Deadly Diseases

the [content and skills] we cover,” which include nutrition, physical activity, sleep, stress and eating habits.

How it works

People 18 to 80 who have prediabetes are eligible for the program. If they call or email Hopkins, one of Brown’s team members will contact them to complete a short screening questionnaire.

Once enrolled, participants will join a weekly one-hour class with around 15 to 18 other people. They’ll meet either at a community center or church in Baltimore City or remotely via computer. For the second six months of the program, they take a class every other week.

The classes are taught by CDC-trained Lifestyle Coaches, who work with participants to make small changes in one’s diet or activity levels.

“It’s really a problem-solving program on

Honey benefits

From page 19

good to avoid potential problems with honey if you have severe allergies, and of course,

rticipating (amounts differ for each study)

how to incorporate healthy everyday behavior into their lifestyles,” Brown said.

Medicare and Medicaid cover the cost of the national program.

The end goal of the program is to lose 5% to 7% of your body weight and increase your activity to an average of 150 minutes a week, per CDC guidelines. Either one of those adjustments can cut the risk of developing diabetes and its degenerative complications.

“Preventing type 2 diabetes also prevents increased risk of blindness, amputation, kidney disease” and other diseases, Brown pointed out.

“Diabetes affects almost every organ in the body. So, preventing that [should] protect you from getting other secondary health conditions.”

To apply for the program, email the Diabetes Prevention Program at brancaticenter@jhmi.edu or call (410) 614-2701.

consult your allergist/immunologist.

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.

Using mindfulness with Type 2 diabetes

By Matthew Solan

Lifestyle changes like regular exercise, a healthy diet and sufficient sleep are cornerstones of self-care for people with Type 2 diabetes.

But what about mind-body practices? Can they also help people manage or even treat Type 2 diabetes? An analysis of multiple studies published in the Journal of Integrative and Complementary Medicine suggests they might.

Researchers analyzed 28 studies that explored the effect of mind-body practices on certain people with Type 2 diabetes. Those participating in the studies did not need insulin to control their diabetes or had certain health conditions such as heart or kidney disease.

The mind-body activities used in the research included:

• yoga,

• qigong, a slow-moving martial art similar to tai chi,

• mindfulness-based stress reduction, a training program designed to help people manage stress and anxiety,

• meditation, and

• guided imagery, or visualizing positive images to relax the mind.

How often and over what time period people engaged in the activities varied, ranging from daily to several times a week, and from four weeks to six months.

All methods helped

Those who participated in any of the mind-body activities for any length of time lowered their levels of hemoglobin A1C, a key marker for diabetes. On average, A1C levels dropped by 0.84%.

A1C levels are determined by a blood test that shows a person’s average blood sugar levels over the past two to three months. Levels below 5.7% are deemed normal, 5.7% to less than 6.5% are considered prediabetes, and 6.5% and higher are

out the wax. This doesn’t work, and it could do serious harm.

in the diabetes range.

While all the mind-body practices helped lower A1C levels, yoga had the greatest impact, with an average 1% reduction. This is similar to the effect of taking metformin (Glucophage), a first-line medication for treating Type 2 diabetes, according to the researchers.

How can mind-body practices help control blood sugar? Their ability to reduce stress may play a big part.

“Yoga and other mindfulness practices elicit a relaxation response — the opposite of the stress response,” said Dr. Shalu Ramchandani, a health coach and internist at the Harvard-affiliated Benson-Henry Institute for Mind Body Medicine at Massachusetts General Hospital.

“A relaxation response can lower levels of the stress hormone cortisol. This improves insulin resistance and keeps blood sugar levels in check, thus lowering A1C levels.”

A relaxation response can help people with diabetes in other ways, such as by improving blood flow and lowering blood pressure, which protects against heart attacks and strokes.

The results of studies like this suggest a link between mind-body practices and lower A1C levels but do not offer firm proof of it.

Even though yoga performed best, other mind-body practices also did well. Levels of participation varied, so it’s unclear which approach is best. Still, the researchers suggested that these types of activities could become part of diabetes therapy along with standard lifestyle treatments.

Could mind-body practices protect people against developing Type 2 diabetes, especially those at high risk? While this study wasn’t designed to look at this, Dr.

causes problems with hearing, ringing in the ear or an earache.

To unblock the wax, you can try using an over-the-counter ear cleaning treatment to flush it out. Do not try this if you have a history of ear drum perforation or have had ear surgery. If you aren’t successful in clearing the earwax, make an appointment with your doctor.

Never try to dig out earwax with something like a Q-tip, paper clip or hairpin. That could push it farther into the canal or injure your eardrum.

Another procedure to avoid is ear candling. That’s when you stick a lighted hollow candle into the ear, ostensibly to suck

Preventing earwax blockage is difficult. People with frequent blockages may use mineral oil drops or another earwax softener once a week to help keep wax from hardening and building up.

But earwax is there for a purpose. It doesn’t normally need to be removed.

Your best bet is simply to clean your outer ear with a washcloth. And leave wax removal to your ear’s self-cleaning mechanism.

Howard LeWine, M.D., is an internist at Brigham and Women’s Hospital in Boston and assistant professor at Harvard Medical School. For additional consumer health information, see health.harvard.edu.

© 2023 Harvard University. Distributed by Tribune Content Agency, LLC.

Ramchandani again points to the longrange benefits of the relaxation response.

BEACON BITS

Nov. 15

“Reducing and managing stress leads to improved moods and greater self-awareness and self-regulation,” she said. “This can lead to more mindful eating, such as fighting cravings for unhealthy foods, ad-

HEALTHY HOLIDAY COOKING (VIRTUAL)

Join this free webinar on Wed., Nov. 15, from 11:30 a.m. to 1 p.m., to learn about healthy cooking and eating during the holidays and beyond. Some topics that will be covered include healthy recipes, shopping on a budget, and menu and meal planning. Register at bit.ly/HolidayNutrition101. For more information, contact Jennifer Dixon Cravens at jdixoncr@umd.edu or (410) 638-3255.

hering to a good diet, and committing to regular exercise, all of which can help reduce one’s risk for Type 2 diabetes.”

Mind-body practices to try

There are many ways to adopt mindbody practices that can create relaxation responses. Here are some suggestions from Dr. Ramchandani:

• Do a daily 10-minute or longer meditation using an app like Insight Timer, Calm or Headspace.

• Attend a gentle yoga, qigong or tai chi class at a local yoga studio or community center.

BEACON BITS

Oct. 21

All

• Try videos and exercises to help reduce stress and initiate relaxation responses.

• Practice slow, controlled breathing. Lie on your back with one or both hands on your abdomen. Inhale slowly and deeply, drawing air into the lowest part of your lungs so your hand rises. Your belly should expand and rise as you inhale, then contract and lower as you exhale. Repeat for several minutes.

Matthew Solan is the executive editor of Harvard Men’s Health Watch.

© 2023 Harvard University. Distributed by Tribune Content Agency LLC.

KENTLANDS HALLOWEEN WALKS

Seneca Valley Sugarloafers Volksmarch Club is hosting one sixkilometer and two five-kilometer walks on Sat., Oct. 21, with a starting point at Whole Foods Market, 316 Kentlands Blvd., Gaithersburg, MD, between 8 and 11 a.m. The walks end by 2 p.m. at the same place. Participation fee is $3. For more information and details about each route, visit sugarloafers.org or contact Dave Fenster at (301) 520-6507.

GENTLE YOGA IN THE LIBRARY

Ongoing

Try a free yoga class at the Georgetown Library on Mondays from 11 a.m. to noon. This practice promotes strength, flexibility and balance while encouraging relaxation and meditation in seated and standing poses (with a chair for support). The library is located at 3260 R St. NW, Washington, DC. Register once at bit.ly/GentleYogaDC. For more information, contact Lena Frumin at (202) 895-9485.

Asbury

DIRECTORS MESSAGE

By Charon P.W. Hines

Dear Seniors,

Fall has arrived and is in full swing! We welcomed the season with Mayor Bowser’s 37th Annual Centenarian Salute, where we had the privilege of honoring over 40 of the District’s Centenarians. Describing this celebration as amazing would be an understatement — it was a remarkable showcase of our #DCValues in their finest expression.

This year’s Centenarian Salute was our first in-person event since the COVID-19 pandemic, and having the opportunity to safely host this anticipated luncheon in person was truly a treat. We learned so much from our Centenarians, gaining invaluable wisdom, insight, and the key secrets to making it to age 100 and beyond. Being able to share stories with our oldest residents about their contributions to the District and all around the world was truly inspiring. Many of them spoke of how they have lived through historic events such as the Civil Rights movement, World War II, the Cold War, and even being able to work for the CIA upon its inception in 1947. The moments shared all gave me such joy and insight that I will cherish forever.

September is also Healthy Aging Month, which came right at the time of us celebrating National Centenarian Day, and I have to say, our Centenarians are aging quite well! I asked many of our honorees what their secret was to make it to 100. Many replied with “Have fun” or “Drink your water” but some Centenarians are still active daily. Centenarian Stanley Johnson (104 years old), shared with me that he still does push-ups every day. Stanley’s commitment to remaining active was exactly what I needed to hear to motivate and encourage all of us as we prepare for Active Aging Week, which is the first week of October. And while the International Council of Active Aging has been highlighting this weeklong campaign for more than 20 years, this is something DACL encourages all year long!

Active Aging Week, taking place from October 2 to 8 this year, is aimed at assisting the aging community to get involved in wellness, exercise and activities that help encourage wellness as a goal for your lifetime. Seniors, I encourage you to join us at one of our seven wellness centers for a class or activity. I challenge you to not only join us during the first week of October for Active Aging Week, but any time of the year! If you have any questions about how to get involved at one of our wellness centers, feel free to connect with us by calling 202-724-5626. I look forward to seeing you get active this fall!

Hines

Kicking off National Centenarian Day 2023, DACL was able to honor the District’s Centenarians at Mayor Bowser’s 37th Annual Centenarian Salute. This celebration honored aging adults ages 100 and over! Thank you to all Centenarians who were able to par-

ticipate in our celebration. Special thanks to DACL, DC MOCRS, HSEMA, and DC Health for participating.

DACL Recognizes FY 24 Grant Recipients for the DACL Lead Agency Grant Program

DACL proudly recognizes the recipients of the FY24 Lead Agency Grant program:

• Ward 1: DACL, in partnership with East River Family Strengthening Collaborative — The mission of East River Family Strengthening Collaborative, Inc. (ERFSC) is to empower families, youth, seniors and communities to become more self-sufficient through integrated and collaborative communitybased services utilizing evidencebased practices that are family-focused and person-centered. DACL will be the lead agency for Ward 1 senior residents and will work in partnership with ERFSC. To learn more, visit erfsc.org.

• Ward 2 & 3: Iona Senior Services

— Iona supports individuals navigating the challenges of aging by providing education, advocacy and community-based services that promote wellbeing. For more information, visit

iona.org.

• Ward 4: Genevieve N. Johnson Senior Day Care Program — Also known as GNJ, this program offers adult care with a focus on creating joyful moments and enhancing seniors’ lives. To learn more, visit gnjseniordaycare.com.

• Ward 5 & 6: Seabury Resources for Aging — Seabury offers programs and comprehensive support for DC’s older adults, addressing their essential needs, and aiding families in making crucial decisions about their future. For more information, visit seaburyresources.org.

• Ward 7 & 8: East River Family Strengthening Collaborative — ERFSC empowers families, youth, seniors and communities to become selfsufficient through integrated, community-based services. Learn more at erfsc.org.

World Romance Scam Prevention Day

Advocating Against Romance Scammers (AARS) is hosting its first-ever Fighting Fraud and Fueling Education Webinar. The webinar will take place on October 3, at 1:00 p.m. EST. Last year, more than $3 billion was lost in Romance Scams. Speakers for the event include a victim who lost nearly

half a million dollars, a licensed therapist speaking on mind manipulation, a Match Group Representative to talk about what their company is doing to better protect their consumers, and an Intelligence Analyst from the FBI specializing in the new romance scam hitting the internet, Pig Butchering.

Director Hines poses with the NEW Lead Agency, DACL, for Ward 1 in partnership with East River Family Strengthening Collaborative (ERFSC).

Advances in smart homes and devices

By Amita Chatterjee

Artificial Intelligence, or AI, is the latest technology to make headlines. Its ability to create human-like conversation and interaction is what sets it apart from existing computer systems.

Our homes are becoming more intelligent with AI-powered devices controlling our lights, thermostats and more. Such residences (often dubbed “smart homes”) are characterized by the ability to remotely control the lighting, security, temperature and other amenities from a smartphone or computer, as well as by simply speaking commands while at home.

The growing popularity of smart appliances extends these abilities even further, enabling one to see who’s at the front door, preheat the oven or know what’s in the fridge, for example, without being home.

Smart senior living

There is a growing area of this market tailored to the needs of older adults, according to Dr. Subodha Kumar, a professor at the Temple University Fox School of Business.

For example, there are AI-based systems that track a person’s movement using motion detectors and can calculate whether that person has a high probability of falling. In the event of an accident, the system can notify first responders.

“It can inform the right people, or even your emergency contact, and it also alerts…the [impacted] person, so they can take corrective action,” Kumar said.

He explained that the system functions similarly to sensors on cars that alert a driver when they’re drifting from their lane or there’s someone in their blind spot.

Some senior care communities are

using such sensors to detect residents’ movements and notify staff if there’s a long period of inactivity, said Joan Lipman Green, founder of Maryland-based Innovative Speech Therapy. Her business offers online classes and webinars to help older adults and care providers stay up to date on the latest technologies and understand how to use them.

“Increasingly, there will be more use of AI enabling healthcare initiatives so that people’s needs can be met,” Green said. For example, these devices can provide support in retirement and assisted living communities amid staffing shortages, and they can help reduce the need for aides on an individual level.

On the other hand, technology “won’t replace [care providers]. Everybody needs to be around people,” Green added.

Kumar said that in its current state, AI is

Let us care for THEM like they cared for YOU.

“a human-machine collaboration rather than human replacing machine or machine replacing human,” particularly when it comes to the hands-on, empathetic work of nurses and aides.

Privacy concerns

As devices monitor daily activity and routines within the walls of one’s home, the data they are collecting is increasingly personal.

Kumar said that to protect user’s privacy, laws should be more “explicit” to foster accountability among companies operating smart home technologies.

“Rather than being worried [about new technologies], we need to think about how to embrace them as a society,” Kumar said. “At the same time, I think the lawmakers need to worry not only about making regulations, but also preparing our workforce.”

Right now, smart homes are complicated, with different products controlling specific elements of the home. The technology is in the early stages and is still limited, but some devices are beginning to centralize the technology, Kumar said.

Getting started with new tech

Green believes that AI-powered devices have potential to not only improve safety and health for older adults, but also help them stay connected with loved ones and complete everyday tasks.

“I think that tech can be very overwhelming to get started with on your own,” she said. “But with the right kind of supports, I think absolutely everybody has the ability to benefit from tech, but it may need to be customized and simplified to meet their needs.”

Seniors’ interest in the latest devices is climbing. A study from the Pew Research Center found that in 2021, 61% of adults aged 65 and older owned a smartphone, compared to 13% in 2012, and 44% owned a computer or tablet, up from 6% in 2012.

Whether you’re ready to put your faith into an AI-powered fall management solution, use a smart speaker to make a grocery list, or take a technology class at your local library, plugging into the latest gadgets can open doors for both engagement and greater safety.

BEACON BITS Ongoing

FLEA MARKET AT EASTERN MARKET

This eclectic flea market, now in its 38th year, features everything from made-in-DC crafts to vintage finds and handmade products from five continents. Browse the wares year-round on Saturdays and Sundays from 9 a.m. to 4 p.m. at 7th and C Sts. SE, Washington, DC. There is no entrance fee. For more information, visit easternmarket.net or call (202) 215-6993.

Move to a new home is a mixed blessing

By May Benatar

Last spring, my husband and I moved to an over-55 community about 30 minutes north of Washington, D.C. Our new apartment is in a high-rise, on one level, less than half the square footage of our house.

We left behind a spacious home with 16 stairs from entrance to bedrooms, so our knees are a lot happier here.

Our neighbors are very welcoming. There is a culture of warmth and acceptance of newbies like us. We love our place.

And yet, at first, I felt something was wrong. I was disoriented and grieving my beautiful former home. Is this the right fit? Did we make the move too soon? Have we made a mistake?

The move made me recall the upheavals of my past. I have moved at least a dozen times in my 78 years, not counting the many times I moved during college. One thing I’ve learned: I hate moving! It really throws me off.

A psychologist I worked with told me during one move that what I was feeling was normal. On the Rorschach inkblot test, she said, there was one particular inkblot test that was diagnostic for schizophrenia. But non-schizophrenic people who were in the middle of a move typically read that card as if they were indeed psychotic.

In other words, people in the midst of a

move are usually indistinguishable from seriously mentally ill persons.

Moving to a new stage in life

When I was younger, moving could be fun. At the end of college, which involved multiple moves, I was glad to be settled in Ann Arbor for graduate school and not have to move for two whole years.

Indeed, it was hard to get me to leave! A friend had to gently (or not so gently) suggest it was time for me to look for a job.

We were just months away from graduation, but I didn’t want to leave, to change, look for an apartment, find new friends, take on more responsibility, or enter fully into adulthood.

Moving, I’ve come to realize, often marks a change in status — a new developmental stage, sometimes a step up in status, but often a mixed blessing.

The next few moves in my life reflected new phases as a wife and mother.

I moved from a big city, where I had friends and support, to the suburbs, where I had no car or public transportation and a six-week-old baby.

That was a tough move. In fact, becoming a suburban parent was perhaps the most difficult move of my life. Again, it reflected a major developmental change to another level of adulthood.

Things did get easier, and when we moved our growing family to a larger home, we stayed there for 30 years. Suddenly we were middle aged or maybe a little beyond.

Settling in

Today, we are at our over-55 community, almost fully unpacked, meeting more neighbors, and exploring the neighborhood.

I know we made the right decision in moving here — and really, I have no complaints. We couldn’t have received a warmer welcome.

But I’m unsettled because, like the transitions of the past, I am aware of this new stage of life.

Moving here comes with the realization that we are now among the elderly. Walkers and canes and scooters are everywhere.

We can no longer deny that we have some disabilities and certainly are in the concluding stages of life. The clock is ticking more loudly, and time moving faster and faster.

After several months here, I am more comfortable every day. I appreciate that, if I lose track of my phone, I don’t have to climb stairs to look for it. I can see the sun set over the trees from my balcony. Traffic is at a minimum, and my daily walk is easy, lovely, scenic.

Author and licensed psychotherapist May Benatar had conflicting emotions after a recent move to a Maryland retirement community. After an adjustment period, however, she and her husband are thriving in their new home.

My husband and I have joined some fun activities here. There is plenty to do: book groups, painting class, a collage class, yoga, movies, a gym, a couple of indoor pools, a hot tub.

We are enjoying as much as we can. Who cares what the Rorschach test would show?

May Benatar is a psychotherapist in Silver Spring, Maryland. An occasional contributor to the Washington Post, she is author of the memoir Emma and Her Selves: A Memoir of Treatment and a Therapist’s Self-Discovery

Fall in love with your life.

CREDIT

PHOTO COURTESY OF MAY BENATAR

Sources for free or paid housing referrals

By Margaret Foster

Imagine you’re living far away from your aging parents. One day you get a phone call from a hospital: Your mother has had a fall, the nurse says, and she can’t live at home anymore. What to do?

Thankfully several companies in our area can help figure out the next steps. But some companies charge a fee, and others don’t. What’s the difference between a fee-based geriatric care manager, or GCM, and a free referral agency such as A Place for Mom?

“The difference between any free service and ours is that we don’t have a financial relationship with any care community we recommend,” said Suzy Murphy, owner of Aging Well Eldercare, based in Silver Spring, Maryland. Her staff is com-

posed of GCMs who charge an hourly fee.

Whereas if a free referral company convinces you to move into a retirement community, they get a check from that retirement community, typically equivalent to a month’s rent.

One such free referral company, A Place for Mom, has a searchable website, aplaceformom.com, which describes its services and lists the members of its network of housing, nursing and home care providers to whom it refers people.

The company, which is owned by a private equity company and has a reported annual revenue of $50 million, has more than 400 advisors around the country who discuss a family’s needs, help compare options and set up tours. They say they have

Affordable Senior Communities

served more than two million families since the company launched 23 years ago.

While A Place for Mom refers families only to companies in their network, their advisors aren’t necessarily trying to push one community over another. Its website states, “Our advisors are not compensated based on which community in our network you choose.”

CarePatrol, another free referral service that operates as a franchise, just celebrated 30 years helping families.

“Most of the time, people have no clue where to start,” said Rhonda Myles, owner of CarePatrol of Howard & Montgomery Counties. “They’re in crisis and they just don’t know what to do.”

She and her staff listen to families to assess their needs. Then they take them on in-person tours of appropriate independent living, assisted living or LifePlan communities. They also offer advice on in-home care.

“We actually go out and tour our families, much like a realtor would do,” Myles said. CarePatrol is focused on “finding the right fit, where their care needs are going to be met.” Like A Place for Mom, they are compensated by the community eventually selected by their clients.

When a family finds a solution, “It is so rewarding,” Myles said. “Everybody isn’t always in it for the money. People are in

this business because they truly care.”

Geriatric care managers

If referral agencies are like realtors, geriatric care managers (GMCs) are “like wedding planners for aging well,” as Aging Well Eldercare’s website puts it.

There’s some overlap with the referral services in what a geriatric care manager or care managing consultant might do to help a family. For instance, a GCM can help a family make appropriate housing decisions and will take them on tours, too.

But the GCMs and consultants at a company such as Aging Well Eldercare, which is celebrating its 35-year anniversary this year, can also give practical advice on health, disability, advocacy, crisis intervention, local resources, and financial and legal concerns. Sometimes this comes from nurses, social workers and gerontologists affiliated with the GCM.

For instance, they can explain how your long-term care insurance policy works, how to file a claim, and how to appeal a claim. They can also direct you to free services available from Veterans Affairs or long-term care through Medicaid.

Aging Well Eldercare has had clients for decades, sometimes multiple generations

Housing News

By Amita Chatterjee

New apartments in downtown Silver Spring

In May, the Leggett Senior Living Apartments opened its doors in downtown Silver Spring, Maryland, offering 267 new mixed-income housing units to adults 62 years and older.

The building’s larger and market-rate apartments have already been leased, but affordable one-bedroom units are now available to those with limited incomes.

The complex is steps from shops and restaurants, a metro station and bus depot, and (eventually) the incoming Purple Line light rail system.

The Leggett takes a holistic approach to senior living by integrating recreation,

Resources

From page B-4

of the same family.

“We are looking at your loved one’s needs, preferences and budget using our real-life experience,” said Murphy, a geri-

health, wellness, the arts and entertainment in one community.

“This innovative housing project offers a unique opportunity to provide affordable housing options for seniors in a way that prioritizes their wellbeing and recognizes the importance of community engagement with its proximity to county amenities,” said Chelsea Andrews, executive director of Housing Opportunities Commission of Montgomery County, in a statement.

In addition to its modern one-bedroom apartments, The Leggett is next door to the new Silver Spring Recreation and Aquatic Center, which is equipped with multiple pools, a state-of-the-art fitness center, spa and basketball court.

Holy Cross Hospital will operate a primary care facility and senior wellness center under the same roof. Both facilities are scheduled to open later this year.

Named after former Montgomery County Executive Isaiah “Ike” Leggett, the development “was set in motion under [his] leadership,” current County Execu-

atric care manager. “We’re just looking out for your interests.”

Some GCMs charge a fixed fee for an initial consultation, but most bill by the hour in six-minute increments. Clients typically pay an hourly rate that ranges from $150 to $225 per hour in the D.C. area.

tive Marc Elrich said in a statement. “Naming the building for him is the perfect way to highlight his commitment to affordable housing, supporting our older county residents, and ensuring a good quality of life.”

The Leggett, located at 1315 Apple Ave., Silver Spring, is currently accepting applications for one-bedroom apartments. For photos, more information on income limits and amenities and an application, call (301) 5633030 or visit leggettseniorapts.com.

Affordable community in DC under construction

Construction is under way on the Riggs Crossing Senior Residences, a new affordable senior community in Northeast Washington, D.C. Mayor Muriel Bowser attended a groundbreaking ceremony in July,

Murphy suggests searching for a care manager who is a member of the Aging LifeCare Association by visiting aginglifecare.org.

“They will give you information that applies specifically to you,” Murphy said, “and it will be completely unbiased.”

and the complex is expected to be completed in 2025.

“I am proud that we are delivering on our promises, and I’m even more proud that we are delivering great places, affordable places in community for the residents of Riggs Park,” Bowser said at the site’s groundbreaking ceremony last July.

Riggs Crossing Senior Residences will have 93 apartments for independent adults aged 62 and older, 52 of them for residents with incomes at or below 30% of the Median Family Income (MFI), and 41 for residents at or below 50% of MFI.

There will be 10 additional apartments for Permanent Supportive Housing, according to a press release from Arlington Partnership for Affordable Housing (APAH), one of the development companies overseeing the project.

Located within walking distance of shops, schools, community resources and the Fort Totten Metro station, Riggs

See HOUSING NEWS, page B-6

The U.S. Administration on Aging has information online at acl.gov/help/onlinetools-and-resources.

For more information, visit APlaceForMom.com, call CarePatrol at (410) 2185588 or contact Aging Well Eldercare, caremanager.com, at (301) 593-5285.

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ASSISTED LIVING & MEMORY CARE

Brooke Grove Retirement Village

301-260-2320

18100 Slade School Road Sandy Spring, MD 20860 www.bfg.org

This community hums with warm-hearted camaraderie and a zest for life shared by residents and staff alike. Experience all that makes assisted living at Brooke Grove extraordinary. Cozy, homelike dwellings with easy access to beautiful courtyards and walking paths. Caring staff trained in using memory support techniques, building independence and lifting self-esteem. Innovative LIFE® Enrichment Programming with meaningful activities and off-site adventures. Visit us to see why Brooke Grove Retirement Village is one of the most sought-after continuing care retirement communities in the state. Living here is simply different … because what surrounds you really matters.

ASSISTED LIVING COMMUNITY

Chevy Chase House

202-905-0708

5420 Connecticut Avenue NW Washington, DC 20015

www.chevychasehouse.com

Chevy Chase House provides boutique assisted living for older adults looking for personalized care without compromising lifestyle and active living. In addition to 24-hour nursing available, the community features Life Inspired, the daily activities program that promotes overall wellness, socialization, and a Chef-prepared dining experience. Unique to the Chevy Chase House is its partnership with FOX Rehab to not only provide on-site physical, occupational and speech therapies, but also employs a full-time exercise physiologist to help residents with improving balance and mobility, strength training, and fall prevention programming. Conveniently located on Connecticut Avenue in DC. Call 202-905-0708 to schedule a tour or stop by Chevy Chase House to learn more.

INDEPENDENT & PERSONAL CARE COMMUNITIES

B’nai B’rith

Homecrest House

301-244-3579

14508 Homecrest Road

Silver Spring, MD 20906

www.homecresthouse.org

Homecrest House is a non-profit, affordable, subsidized senior adult community nestled amidst 10 acres of beautifully landscaped grounds with its own lake, neighboring Leisure World, The three residential buildings on the B’nai B’rith Homecrest campus provide 235 apartments for Independent Living, some designed for adults with physical mobility challenges, and 42 apartments offering Enhanced Care Services. We are excited to have you come and see our elegantly renovated community buildings. You’re invited to tour this incredible transformation.

For a personalized tour now, call 301-244-3579 or visit us at www.homecresthouse.org

How to turn a home into an Airbnb rental

By Patricia Mertz Esswein

While staying at an Airbnb in the Hudson Valley a couple of years ago, Kathy Corby realized she would love to own a home there and share it as an Airbnb.

She soon bought an 1890s Cape Cod with four bedrooms and two bathrooms in Saugerties, N.Y. And in early 2021, she hosted her first Airbnb guests.

Today, the rental is not only paying its own way, from mortgage to utilities, but also generating income for the retired physician. Plus, it’s a regular getaway for her. “I have my cake and can eat it, too,” Corby said.

Renting out your house through Airbnb, the online home-sharing reservation service that connects hosts and guests, has many advantages.

But make no mistake: As a host, you are running a business with all the risks and rewards that go with it.

Understand the legalities

Before shopping for luxury bedding, make sure you can create a short-term rental legally. Many cities have introduced tougher restrictions for short-term rental properties to protect their community’s quality of life and housing market.

Once you accept Airbnb’s terms of service and activate a listing, you agree to comply with its policies and follow your local laws and regulations.

Don’t overlook the covenants, conditions and restrictions of your homeowner’s association. If you violate those, the HOA could fine you or place a lien on your property, said Stephen Fishman, a lawyer and author for legal publisher Nolo Press.

Local governments typically require you to register your Airbnb, obtain a permit and a business license, pay fees ranging from $100 to several hundred dollars, and renew those annually. You may be required to pass an inspection and notify your neighbors of the rental.

Pricing it right

You can charge whatever nightly rate

Housing news

From page B-5

Crossing will have commercial space on its ground floor.

“Riggs Park is one of the most dynamic, inclusive and loving communities, not just in Ward 4, but across all of the District of Columbia,” said Ward 4 Councilmember Janeese Lewis-George at the groundbreaking ceremony. “Riggs Park residents

you want, but be realistic. Many guests choose Airbnb because it’s cheaper than a hotel.

Airbnb suggests starting with a lowerthan-average nightly rate until you glean a positive review or two.

Airbnb’s optional Smart Pricing Tool helps you match your price to demand, and you can set custom prices, such as a lower rate during the week and a higher one on weekends or during special events.

Paying the tax man

In many cities, Airbnb will collect and remit some of the local occupancy taxes for you.

If you rent out part or all of your home for more than 14 days during the year, you must report your rental income and expenses on Schedule E of your 1040, with income taxes owed on any profit.

You can deduct mortgage interest, property taxes, maintenance and other ownership costs for the portion of the property rented out.

Making sure you’re covered

Airbnb provides up to $1 million of host liability insurance to cover liability claims for injury to a guest or property damage to their belongings.

Its host damage protection policy ostensibly provides protection for every booking at no additional cost, of up to $3 million in property damage.

But don’t rely on those protections alone. Ask your home insurer about what property damage and liability coverage it offers for short-term rentals by paying guests, which could be excluded as a business activity.

Your insurer may cover home-sharing up to certain limits as a standard endorsement or you may need to buy a supplement.

Patricia Mertz Esswein is a contributing writer at Kiplinger’s Retirement Report.

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

love their neighbors and are deeply dedicated to their community.”

APAH has a Resident Services Program certified by CORES, an organization recognizing companies with commitment to providing affordable housing, to aid residents in maintaining stable housing. The development received approximately $25 million from the Housing Production Trust Fund, which helps increase affordability, according to APAH.

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LIVING

The Carnegie at Washingtonian Center

240-213-7383

Discovery Center:

129 Ellington Boulevard • Gaithersburg, MD 20878

www.LifeAtTheCarnegie.com

The Carnegie at Washingtonian Center is a unique concept for senior living in the heart of Gaithersburg. Welcoming residents in the spring of 2024, the seven-story complex offers spacious one- and two-bedroom floorplans for independent living, assisted living, and memory care. Situated on 8.5 acres beside RIO Lakefront at Washingtonian Center, The Carnegie is a Kisco Signature Community offering best-in-class standards and a fivestar experience. Anchored by integrity, dignity, and compassion, The Carnegie cultivates a life of intellectual enrichment, peaceful independence, and meaningful connections. For more information call 240-213-7383 or visit the full-size two-bedroom model at 129 Ellington Boulevard in Gaithersburg.

INDEPENDENT LIVING COMMUNITY

Covenant Village

Senior Apartments

301-540-1162

18889 Waring Station Road

Germantown, MD 20874

www.qpmgmt.com

• Spacious 1 and 2 bedroom plans with washer/dryer in each apt.

• Shuttle bus for shopping and local trips

• On-site fitness, game, and craft rooms, movie theatre, library, beauty salon, and courtyard garden plots.

It's about our residents, said Management staff, Debra and Janiece. They always ensure that they have interesting and exciting things going on. Some of the fun includes: Garden Party Cookouts, Trips to Washington, DC to see the Cherry Blossoms, the Franciscan Monastery, and the National Zoo, Black Hills Pontoon Boat Ride, Low-Impact Fitness Classes, Resident Birthday Celebrations, Craft Classes and Potlucks. Also, many guest speakers are invited to speak to our residents on topics that are relevant to them.

INDEPENDENT LIVING COMMUNITY

Greenspring Retirement Community

877-589-9570

7410 Spring Village Drive • Springfield, VA 22150 GreenspringCommunity.com

Greenspring. Vibrant Senior Living. Unmatched Peace of Mind. An active lifestyle, with peace of mind awaits you at Springfield’s premier continuing care retirement community.

Stylish Homes. A Wealth of Amenities.

Choose from a variety of stylish apartment homes to suit your needs and budget. You’re just steps from the fitness center, pool, clubhouses, and five restaurants.

Exceptional Financial Value

We make life predictable and simple. Your Monthly Service Package covers all utilities, home maintenance, and amenities in a single bill. Health and Well-Being Services

Receive convenient care when you need it at the on-site medical center. The community also includes higher levels of care If your needs ever change.

Get your FREE brochure today! Call 1-877-589-9570 or visit GreenspringCommunity.com

What if you can’t afford long-term care?

By Kate Ashford

As many as 8 in 10 older Americans couldn’t afford more than four years in an assisted living facility or two years in a nursing home, according to a 2023 analysis by the National Council on Aging and the LeadingAge LTSS Center @UMass Boston.

This is particularly difficult for people in the monetary middle, defined by Pew Research Center as “those with an annual household income of about $52,000 to $156,000 annually in 2020 dollars for a household of three.”

These people don’t have enough to pay for long-term care, but they have too many assets to qualify for government assistance. Medicare also doesn’t cover long-term care.

Oct. 22

What are the options for the 47 million households with older adults who will face this scenario?

From reverse mortgages to hybrid insurance policies, here are some avenues available to people who can’t afford the care they need.

Consider a reverse mortgage

If you have significant equity in your home and you’re at least 62 years old, a reverse mortgage can provide a helpful stream of income.

A reverse mortgage is a loan or line of credit based on your home’s equity. You tap the eq-

See LONG-TERM CARE

Visit the National Harbor Plaza Stage for a fun afternoon of watching pets parade in costumes. Or, enter your pet and win a prize for best costume, most creative, or something else entirely. This free event takes place on Sun., Oct. 22, from 2:30 to 3:15 p.m. at 150 National Plaza, National Harbor, MD. To get tickets, visit bit.ly/PetPawrade. For more information, call 1877-628-5427.

VETERANS RESOURCE FAIR

Disabled Veterans National Foundation, in association with local nonprofits, is hosting a resource fair to provide critical resources to veterans. Available services include job recruiting, legal, information on benefits, financial assistance, recreational therapy and more. In addition, veterans can receive new suits, food, comfort kits and gift cards on the spot at no cost. This free event takes place on Wed., Nov. 8, from 9:30 a.m. to 2:30 p.m. at the Silver Spring Civic Building, 1 Veterans Pl., Silver Spring, MD. Register at bit.ly/VeteransResourceFair2023. For more information, email info@dvnf.org or call (202) 737-0522.

Nov. 8

HALLOWEEN PET PAWRADE

BEACON BITS

Long-term care

From page B-10

uity now and pay the loan off when the home is sold. [Ed. Note: For more information, see “Reverse mortgage can be a financial tool,” in our April 2021 issue or on our website.]

“What most people do, especially in a situation like a long-term care issue — once they’re out of the house, you sell it and use the proceeds to pay it off,” said Nicholas Bunio, a certified financial planner in Downingtown, Pennsylvania.

A reverse mortgage has downsides — closing costs are expensive, similar to taking out a traditional mortgage, and you’ll leave less to heirs — but if you’re planning to receive home care or there’s a spouse still at home, it can be a solid option. (Once there’s no one living in the home for a year or more, the home must be sold to pay back the loan.)

Price out insurance

If you have no major health issues, get quotes for long-term care insurance. Although experts recommend purchasing by age 65, you may be insurable up to age 79.

Premiums can be pricey, but note that a semiprivate room in a nursing home in the Greater Washington area costs more than $10,000 per month, according to the 2021 Cost of Care Survey by Genworth, an insurance company.

“In many cases, long-term care insurance is a lot less expensive than the actual

cost of care,” said Michelle Gessner, a certified financial planner in Houston. “So, $1 of premium gives you multiple dollars of benefits, and that’s not the case with paying for it out of pocket.”

Another option may be a permanent life insurance policy with a long-term care rider, often called a hybrid policy. Arrangements vary, but typically you can use some or all of your death benefit to pay for long-term care during your lifetime, and anything you don’t use will be paid to your estate when you die.

“People complain that they’re expensive,” Gessner said. “What I tell people is just get what you can afford. It’s not all or nothing.”

Ask about benevolent funds

Some nursing homes or assisted living communities offer benevolent care, meaning they’ll take someone in who doesn’t have enough money to pay full freight or who can’t pay full price for long.

When someone runs out of money, the benevolent fund covers the difference for as long as they need care. (They’ll typically collect most of the residents’ Social Security and pension payments that come in to help cover costs.)

“They can be a good alternative for people who think they won’t have enough financial assets,” said Diane Pearson, a certified financial planner in Wexford, Pennsylvania.

Benevolent care funds are often connected to faith-based communities. A

search for faith-based facilities in your area might yield some options.

Ask about a life settlement

If you have a life insurance policy and you’re considering letting it lapse or taking the cash value from it, a life settlement may be the better option.

In a life settlement, a third party buys your insurance policy, and you typically receive between 5% and 25% of the value of

BEACON BITS Ongoing

the death benefit.

“There are investors out there who will basically make the premium payments on your behalf, but they keep the policy proceeds when you pass away,” said Christopher Lyman, a certified financial planner in Newtown, Pennsylvania.

You might make this choice in a financial crisis. “The only reason you would do that is kind of like a last option,” he said.

IMPROV COMEDY CLASS

Join Topher Bellavia, the founder of the Washington Improv Theater Training Program, for a free weekly improv class on Tuesdays at St. Alban’s Church, Satterlee Hall, 3001 Wisconsin Ave. NW, Washington, DC. The class runs from 12:45 to 2:30 p.m. and aims to help you be a more confident storyteller in front of an audience of any size. Register once at bit.ly/ImprovInDC. For more information, contact Lena Frumin at (202) 895-9485.

ASSISTED LIVING & MEMORY CARE

Harmony at Spring Hill

571-348-0575

8350 Mountain Larkspur Drive Lorton, VA 22079 www.harmonyatspringhill.com

Harmony at Spring Hill offers Assisted Living and Memory Care situated within the lovely, gated neighborhood of Spring Hill. Our friendly community offers residents access to a host of activities at the Clubhouse. From water aerobics in the pool to games of bridge and billiards, there is an abundance of social engagement to peak anyone's interests. Come see for yourself! Upon arriving at the Spring Hill neighborhood entrance off Silverbrook Road, approach the brick column housing the kiosk. Press the button and our concierge will greet you and welcome you in through the security gates. Our community is immediately on your right. It is located less than a mile from Interstate 95 and less than 5 miles from the Capital Beltway.

REHABILITATION

Brooke Grove Retirement Village

301-260-2320

18100 Slade School Road

Sandy Spring, MD 20860 www.bfg.org

Imagine an extraordinary staff and the best therapies and equipment—in a beautiful environment that rejuvenates and restores. Physical therapy spaces bathed in sunlight. The quiet comfort of a garden walk or relaxing massage. Imagine getting back to the activities that matter to you. Our new, state-of-the-art rehab addition at Brooke Grove Rehabilitation and Nursing Center offers innovative therapy services for seniors, including NeuroGym® Technologies mobility training, the Korebalance system and much more. Visit us to see why Brooke Grove Retirement Village is one of the most sought-after continuing-care retirement communities in the state. Rehab here is simply different… because what surrounds you really matters.

The Grandview Senior Living

1-855-479-8096

710400 Fernwood Rd.

Bethesda, MD 20817

EricksonSeniorliving.com/The-Grandview

Introducing The Grandview. The Grandview, a brand new senior living community by Erickson Senior Living™ is coming soon to Bethesda, Maryland. Offering active, independent living and higher levels of care on a beautiful campus, it will be close to local shopping, dining, and entertainment. The Grandview will feature a variety of stylish, maintenance-free apartment homes that suit every need and budget, with impressive features and finishes. Residents can stay engaged with a host of amenities and enjoy predictable spending with a single, streamlined monthly bill. Perhaps best of all, experience peace of mind with a variety of health and well-being services right on campus. Call 1-855-479-8096 or visit TheGrandviewSeniorLiving.com today to learn more about vibrant senior living coming soon to Bethesda.

ASSISTED LIVING

Westminster-Canterbury on Chesapeake Bay

757-496-1785

3100 Shore Drive

Virginia Beach, VA 23451

www.wcbay.com/expansion

Start every day with vitamin sea.

We're taking the luxurious, carefree lifestyle WestminsterCanterbury is known for to a higher level. Introducing The Bay Tower — our new 22-story waterfront Independent Living expansion. With sweeping, panoramic views overlooking Chesapeake Bay, The Bay Tower will offer the most exclusive views with the same inclusive philosophy of Westminster-Canterbury. There’s never been anything like it in Virginia Beach, and we can't wait for you to experience it. Call our Marketing Office today to learn more about our Bay Tower Expansion and our current inventory in the existing two towers. Want more options? Check out our sister rental community, Opus Select. Visit www.opusliving.com

INDEPENDENT LIVING COMMUNITY

Falcons Landing

703-293-5054

20522 Falcons Landing Circle

Potomac Falls, VA 20165

www.falconslanding.org

Nestled near the Potomac River in scenic Loudoun County, Falcons Landing is a vibrant hub for residents who have retired from work, but not from life! Designed for seniors with military and government backgrounds, their spouses, and surviving spouses, this nonprofit Life Plan Community offers the chance to be among peers with a common bond of service. Falcons Landing is consistently recognized as one of the Best Senior Living communities in the nation by U.S. News & World Report (2023), as well as locally, with accolades including “Best Retirement Community in the Northern Virginia Region” in Virginia Living’s “Best of Virginia 2023 Survey.” Contact 703-293-5054 or visit www.falconslanding.org to schedule your tour today!

INDEPENDENT LIVING COMMUNITY

Emerson House

301-779-6196

5999 Emerson Street Bladensburg, MD 20710

Our community features bright onebedroom apartments in a nine-story elevator building for today’s active and independent seniors who are 62 or older. Emerson House is subsidized for low- to moderate-income households. Activities are yours to choose from: gardening, Bingo, Wii bowling league, movie night, parties, bus trips, exercise classes, learning to line dance — it’s all waiting for you and more! Emerson House offers an in-house Resident Service Coordinator to assist with finding helpful resources. Please call today for an appointment to tour our community or request an application; 301-779-6196 Monday-Friday from 8:30 to 5:00.

Preventing falls at home, room by room

By National Institute on Aging

Many falls happen at home, where we spend much of our time and tend to move around without thinking about our safety.

Here are some changes you can make to your home, wherever you live, that will help prevent falls and better ensure your safety:

Floors, stairways and hallways

Ensure there are handrails on both sides of any stairs, and make sure they are secure. Hold the handrails when you go up or down stairs, even when you are carrying something. Don’t let anything you’re carrying block your view of the steps.

Ensure there is good lighting with light switches at the top and bottom of stairs and on each end of a long hall. Consider using motion-activated lights that plug into electrical outlets and automatically turn on when you walk by them to help illuminate stairwells and pathways.

Keep areas where you walk tidy. Don’t leave books, papers, clothes or shoes on the floor or stairs.

Check that all carpets are fixed firmly to the floor, so they won’t slip. Put no-slip strips, which you can buy at any hardware store, on tile and wooden floors.

Don’t use throw rugs or small area rugs.

Don’t walk on slippery, newly washed floors.

Bathrooms

Mount grab bars near toilets and on both the inside and outside of your tub and shower.

Place nonskid mats, strips or carpet on all surfaces that may get wet.

Remember to leave a light on in the bathroom at night or use a night light that turns on automatically in the dark.

Bedrooms

Put night lights and light switches close to your bed.

Keep a flashlight by your bed in case the power goes out and you need to get up.

Place a landline or well-charged phone near your bed.

Kitchen

Keep frequently used pots, pans and kitchen utensils in a place where they are easy to reach.

Clean up spills immediately.

Prepare food while seated to prevent fatigue or loss of balance.

Outdoor spaces

If you have steps leading to your front door, make sure they are not broken or un-

even.

Add non-slip material to outdoor stairways.

Keep the lawn, deck or porch areas clear of debris, such as fallen branches.

Consider installing a grab bar near the front door to provide balance while you are locking or unlocking the door.

Turn on your porch light at night and if you leave during the day but plan on returning home after dark.

In the winter, treat outdoor walkways with an ice melt product or sand to make them less slippery.

Other living areas

Keep electrical cords near walls and away from walking paths.

Arrange your furniture (especially low coffee tables) and other objects so they are not in your way when you walk.

Make sure your sofas and chairs are the right height for you to get in and out of easily.

Keep items you use often at waist level or within easy reach.

Don’t stand on a chair or table to reach something that’s too high — use a “reach stick” instead or ask for help. Reach sticks are special grabbing tools that you can buy at many hardware or medical-supply stores.

If you use a step stool, make sure it’s steady and has a handrail on top. Have

INDEPENDENT LIVING COMMUNITY

Riderwood Retirement Community

877-742-4390

3140 Gracefield Road

Silver Spring, MD 20904

Riderwood.com

Discover Riderwood, Silver Spring’s Favorite Senior Living Community

Active seniors agree: Riderwood is Silver Spring’s premier continuing care retirement community, for so many reasons.

1. Maintenance-free Living

Apartment homes are big on style, budget-friendly, and maintenance-free.

2. Resort-Style Amenities and Activities

Dine with friends, work out or swim, take a class, or watch a performance. It’s all just steps from your door.

3. Health and Well-Being Services

The on-site medical center is staffed by full-time providers. Should your needs ever change, multiple levels of care are available on-site. Get your FREE brochure today! Call 1-877-742-4390 or visit Riderwood.com.

INDEPENDENT LIVING COMMUNITY

Ashby Ponds

877-664-5445

21170 Ashby Ponds Boulevard

Ashburn, VA 20147

AshbyPonds.com

Ashby Ponds. More of What You Want in Senior Living.

There’s more to love at Loudoun County’s premier continuing care retirement community:

•More Amenities: Enjoy nine on-site dining venues, the fitness centers and pools, 100+ clubs and activities, a day spa, a gorgeous and gated 132-acre campus, and more.

•More Value: Most of your regular expenses, plus amenities, are included in your Monthly Service Package. This predictable monthly bill covers utilities, property taxes, home maintenance, and more.

•More Peace of Mind: In addition to an on-site medical center, the community offers higher levels of care should you ever need them. Get your FREE brochure today! Call 1-877-664-5445 or visit AshbyPonds.com.

INDEPENDENT LIVING COMMUNITY

Brooke Grove Retirement Village

301-260-2320

18100 Slade School Road

Sandy Spring, MD 20860 www.bfg.org

You’ll feel it as soon as you drive onto our 220-acre campus of lush pastures and hardwood forest—all that makes independent living at Brooke Grove different. Beautiful cottages in a truly picturesque setting. Maintenance-free living, with more time for what you really want to do. Personalized fitness programs, meals prepared by talented chefs, clubs and social events. Neighbors who share your interests and passions. Come for a visit and see why Brooke Grove Retirement Village is one of the most soughtafter retirement communities in the state. Living here is simply different … because what surrounds you really matters.

Save money and energy with a home audit

By Beacon Staff

One of the best ways to save money on energy costs is by scheduling a home audit from your local energy company. Below is information about free or low-cost audits, which may also provide you with devices to reduce energy use and cut costs this winter.

In Maryland

Pepco offers a discounted home energy assessment for customers in Maryland with an active account through the Home Performance with ENERGY STAR® program. Residential homes (single-family, townhomes or rowhomes) up to 3,000 square feet can schedule an assessment worth $400 for only $100:

• Online by filling out the form at bit.ly/PepcoAssessment

• By calling 1-866-353-5798 to request an appointment

Once you’ve scheduled your assessment, a Pepco participating contractor will come to your home to perform a comprehensive evaluation. Certain energy-saving upgrades may be performed on the spot (with your permission) at no additional cost, such as installation of:

• ENERGY STAR®-certified LED bulbs

• Faucet aerators

• Efficient-flow showerheads (fixed mount or handheld)

• Water heater pipe wrap(s)

• Smart power strips

Preventing falls

From page B-13

someone stand next to you.

Don’t let your cat or dog trip you. Know where your pet is whenever you’re standing or walking.

Keep a list of emergency numbers in large print near each landline phone and save them under “favorites” on your mobile phone.

If you have fallen, your doctor might suggest that an occupational therapist, physical therapist or nurse visit your home. These healthcare providers can assess your home’s safety and advise you about making changes to lower your risk of falls.

If you’re concerned about falling, set up systems to ensure you can get help if you fall. One option is installing an emergency response system. If you fall or need emergency help, you push a button on a special necklace or bracelet to alert 911. There is a fee for this service, and it’s usually not covered by insurance.

Another option is to carry a well-charged cordless or mobile phone with you as you move throughout the house. Have close friends and family on speed dial.

• ShowerStart® showerhead adapters

Following the assessment, the contractor will provide you with a detailed report, including recommended improvements and available rebates for eligible measures to make your home more energy-efficient. You must select a Pepco participating contractor to perform both the assessment and eligible improvements.

Rebates range from $100 up to $7,500, depending on the estimated electric savings of eligible measures. Get up to:

• $7,500 for air sealing and insulation, heating and cooling equipment, ENERGY STAR ® windows and doors, and heat pump water heaters

• $500 or $750 if done in combination with air sealing and insulation for duct sealing

• $100 per ENERGY STAR®-certified smart thermostat with professional installation, up to three devices

View the complete list of measures, requirements and rebates at bit.ly/PepcoRebates. If you still have questions, you can consult with a Pepco Energy Coach at no cost by emailing PepcoEnergyCoach@icfi.com or by calling (443) 718-4860.

In Virginia

Dominion Energy offers several home energy assessment and audit programs:

See HOME AUDIT, page B-15

Consider setting up a smart home device (a small speaker that listens and responds to commands when you call its name) that can quickly connect you to contacts or emergency response teams.

Some smartwatches can be set up to make emergency calls at the push of a button, and others can even detect sudden fall-like movements and automatically call for help. Ask family and friends for help setting up these tools.

Home improvement resources

Many state and local governments have education and/or home modification programs to help older people prevent falls.

Check with your local health department, search the Eldercare Locator at eldercare.acl.gov, or call 1-800-677-1116 to find your local Area Agency on Aging at usaging.org to see if there is a program near you.

For the Montgomery County Aging and Disability Services, call (240) 777-3000. For the Prince George's County Aging and Disabilities Services Division, call (301) 2658450. For Arlington County Aging and Disability Services, call (703) 228-1700. For the Fairfax County Aging, Disability and Caregiver Resources Line, call (703) 324-7948.

Home audit

From page B-14

• Smart home program

• Virtual energy audit

• Quick energy check-up

• Manufactured housing program

• Multifamily program

To view the details for each option and whether they are suitable for your home, visit bit.ly/DominionAudit.

Dominion also offers its residential customers in Virginia living in a single-family home a full energy audit through the Residential Home Retrofit Program. A prequalified Dominion contractor will come to your home to perform a 2- to 4-hour wholehouse energy audit.

Following the audit, you will receive recommendations and a report detailing energy-saving improvements you can make to your home. Rebates are available to help you save on any recommended improvements.

BEACON BITS

View the full rebates measures chart at bit.ly/DominionRebates. For more information or to schedule the audit, call 1-888366-8280.

Tax credits for all Federal tax credits up to $3,200 per year are also available for energy-efficient home improvements made from 2023 through 2032 through the Energy Efficient Home Improvement Credit:

• You can only claim the credit for improvements to your main home in the U.S.

• You can claim the maximum annual credit every year that you make eligible improvements until 2033.

• To qualify, home improvements must meet energy efficiency standards.

• A home energy audit of your main home may qualify you for a tax credit of up to $150.

View the full details of the Energy Efficient Home Improvement Credit at bit.ly/EnergyEfficientCredit.

DONATE BLOOD FOR THE RED CROSS

The American Red Cross is experiencing a national blood shortage. There is an emergency need for platelet donors and type O blood donors, but donors of all blood types are needed. To schedule an appointment or find upcoming blood donation drives, visit RedCrossBlood.org or call 1-800-RED CROSS.

Woodleigh Chase Senior Living

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www.EricksonSeniorLiving.com/Woodleigh-Chase

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Charles E. Smith Life Communities

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6121 Montrose Road, Rockville, MD 20852 www.smithlifecommunities.org

On a beautiful 38-acre campus in Rockville, Maryland, Charles E. Smith Life Communities offers distinct options for older adults. In addition to independent living, the community offers assisted living, memory care, skilled nursing and post-acute rehab. Award-winning lifestyle programming makes every day at the community fulfilling for residents and also for their families. From art and music sessions to intellectual pursuits and excursions, an array of experiences spark social, emotional and spiritual growth. Add kosher dining and a culture steeped in the Jewish values of inclusion and respect, and Charles E. Smith Life Communities will exceed every expectation and foster the experiences that make up the life you love.

LIFE PLAN COMMUNITY

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Money Law &

Selecting or changing a Medicare plan

[Ed. Note: The annual Medicare open enrollment period, during which all beneficiaries can change Medicare plans and drug coverage, runs from October 15 through December 7. This article addresses how to first sign up for Medicare as well as sources to help existing Medicare beneficiaries make changes.]

Selecting a Medicare plan is complex. I will discuss some of the important factors and sources of information that will help you avoid mistakes.

or doctor affiliated with Medicare without a referral or prior authorization. Although traditional Medicare is flexible, it may not be your most cost-effective choice.

Paying for Medicare

If you have worked for at least 10 years under Social Security, Part A is free.

tion, there is a $1,600 deductible under Medicare that could be covered by medigap. If you require skilled nursing care after a hospital stay longer than 20 days, the cost would be $200 per day without medigap coverage.

The bottom line is that without medigap coverage, you could be facing substantial out-of-pocket expenses.

company you buy it from. So, once you’ve selected the plan type, it makes sense to base your decision of insurer largely on price.]

THE SAVINGS GAME

By Elliot Raphaelson

For a summary of the basics, you should obtain a free copy of “Medicare & You (2023),” a government handbook that is updated each year. Contact the Center for Medicare and Medicaid Services (CMS) at 1-800-633-4227 to obtain a copy; or visit medicare.gov/medicareand-you to get a PDF or ebook version.

Traditional Medicare refers to Part A (hospital insurance), Part B (medical insurance) and Part D (drug coverage). The major advantage of enrolling in traditional Medicare is that you can visit any hospital

Part B premiums are based on your income. In 2023, for most participants, the standard monthly premium is approximately $165 per month. However, if your family’s adjusted gross income (AGI) exceeds $194,000, your monthly cost will be higher (the same is true for an individual with income above $97,000).

Medicare Part B covers 80% of your physician services. However, you can obtain “medigap” coverage (supplementary insurance) at additional cost, which will cover the additional 20% and, in many cases, any deductibles, co-pays or other “gaps” in Medicare coverage.

For example, if you require hospitaliza-

Part D premiums are tied to income, with an average cost of $43 per month. You have only 63 days after your initial enrollment in Medicare to enroll in Part D. Enrollment after that date will result in higher premiums. Medicare.gov can help you find and compare plans that cover the drugs you regularly take.

Choosing a medigap plan

There are 10 types of medigap plans. Medicare.gov explains the differences between the plans and the associated premiums. “Medicare and You” also summarizes the various medigap options. The cost of medigap, based on coverage choices, varies but can exceed $200 per month.

[Ed. Note: Each plan type provides exactly the same coverage regardless of which

The best time to buy a medigap policy is during your Medicare Open Enrollment period, which is the six-month period that begins the first month you have Part B and you’re 65 or older. After this enrollment period, you may not be able to buy medigap, or it may cost more. [Ed. Note: Under a new law, Maryland residents who already have a medigap policy may change their plans without penalty during the 30 days from their birthday each year.]

Medicare Advantage plans

Medicare Advantage Plans, known as Part C, are an alternative to traditional Medicare. If you are very healthy, and remain so, a Medicare Advantage plan may be cost-effective, but there are disadvantages you must understand.

These plans, which vary significantly, can include insurance coverage for routine dental, vision and hearing. Advertisements don’t always cover all the pros and cons, so

See MEDICARE PLANS, page 26

How investors can get on AI bandwagon

By Tom Taulli

AI investing has been the megatrend in 2023 — Goldman Sachs economists expect “AI investment could grow rapidly in the next couple of years, approaching $100 billion in the U.S. and $200 billion globally in today’s dollars by 2025.”

There’s good reason for the bullishness. Goldman Sachs economists believe generative artificial intelligence will boost global labor productivity by one percentage point per year over the next decade. Historically, “such periods of rapid productivity growth have been led by large investment cycles,” they say.

This type of investment can fuel massive growth in companies focused on artificial intelligence and, in turn, boost returns for AI stocks.

“We look at AI as a long-term theme and we’re still in the very early innings of this multi-decade computational transformation,” said Tejas Dessai, research analyst at Global X ETFs.

And the proof that AI is the hottest corner of the market right now is in the pudding. For instance, over the past five years, Global X’s Artificial Intelligence & Technology ETF (AIQ) has averaged an annual return of 13.5%. But so far in 2023, the exchange-traded fund is up nearly 40%.

What Is AI?

OpenAI’s ChatGPT has highlighted the power of AI for millions of people. It can seemingly provide an answer on just about any topic. As for the definition of AI, ChatGPT says it is “the simulation of human intelligence in machines that are programmed to think and act like humans.”

This is a good overview of the topic, but it’s important for those considering AI investing to understand some of the core components.

The fuel for AI is data. Usually, this is an enormous amount of data, which sophisticated algorithms process to come up with predictions and insights.

There are different types of models, including:

—Machine learning, which uses advanced statistics to find patterns in data. This can help forecast the stock market or provide recommendations, say like on Netflix (NFLX) or Amazon.com (AMZN).

—Deep learning, which is a more complex version of machine learning and mimics the human brain. This category of AI has experienced many breakthroughs during the past decade, such as with image and voice recognition, diagnosing diseases and interpreting natural language.

—Generative AI, which creates content, including text, images, audio and video. This technology is at the heart of ChatGPT. The systems are called large language models (LLMs) or foundation models.

“They use an innovative technology called the transformer,” said Muddu Sudhakar, CEO and co-founder of Aisera, a venture-backed generative AI company that focuses on larger enterprises. “In-

stead of processing one word at a time, it does it all at once. This has ushered in major improvements in performance.”

The best AI stocks to buy

Investors wanting to know how to invest in AI will want to start with the best AI stocks.

There are only a handful of pure-play artificial intelligence companies out there right now, including C3.ai (AI), which sells a suite of software applications that allows for low-code and no-code use of AI. The platform also has generative AI capabilities.

However, when it comes to AI stocks, these are usually companies where a part of the business benefits from the technology.

Some of the top firms include:

Nvidia (NVDA). This is the world’s most valuable semiconductor company, with a market capitalization of $1.1 trillion. NVDA develops GPUs, or graphics pro-

See AI INVESTING, page 26

Don’t forget to provide for pets in your estate plan. See story on page 31.

Medicare plans

From page 25

you have to do your homework before you select a Medicare Advantage plan. “Medicare and You” provides valuable information.

In order to be eligible, you must first sign up for Medicare Parts A and B. The private companies that offer Advantage plans have

to be approved by Medicare. Some of these plans offer prescription drug coverage. Some of these plans offer lower monthly costs than traditional Medicare.

In most cases, you will need to use healthcare providers who participate in the plan’s network, though there are some PPO plans that allow you to go out of network. Advantage plans set a limit on what you have to pay out-of- pocket each year

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for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost.

Information resources

An excellent resource is your State Health Insurance Assistance Program (SHIP). SHIP is available in all states. You will be assigned an unbiased individual with expertise in Medicare to work with you. There is no cost. I volunteered for SHIP for several years.

Another excellent source of information is Get What’s Yours for Health Care: How to Get the Best Care at the Right Price by

AI investing

From page 25

cessing units, that allow for parallel processing of data.

This capability has become a must-have for developing AI applications, and an overwhelming majority of them use Nvidia chips. The company also has its own software platform called Cuda. This has been another key differentiator for NVDA.

Accenture (ACN) . As companies scramble to implement AI, they need help from data science experts. This has become a big growth area for Accenture. For the next three years, ACN plans to spend $3 billion on its AI efforts. This includes doubling its headcount for AI talent to 80,000.

Microsoft (MSFT). The company had the foresight to invest $1 billion in OpenAI in 2019. Since then, it has invested an additional $12 billion.

This has positioned Microsoft to benefit from the AI investing megatrend. The company has also built a state-of-the-art supercomputer for applications like ChatGPT.

Additionally, Microsoft is aggressively integrating AI across its product lines, such as Office, its GitHub developer tools and security offerings.

Philip Moeller. The book is comprehensive, unbiased and covers the pros and cons of traditional Medicare vs. Medicare Advantage. Moeller also provides good advice on minimizing drug costs.

Bottom line: Medicare options are plentiful and complex. Some cost-effective options are available only at the time you apply. Don’t hesitate to ask your primary healthcare advisers for their advice.

Elliot Raphaelson welcomes your questions and comments at raphelliot@gmail.com. © 2023 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

Using AI to pick stocks

There are many web and mobile apps that leverage AI for investing. Even traditional financial services companies like Charles Schwab have standout features.

But let’s take a look at some interesting startups:

PortfolioPilot from Global Predictions. This connects a user’s entire net worth to a sophisticated engine that allows for personalized recommendations.

The platform has over $5.8 billion in assets. “We use AI to make the kind of top-tier tools and insights often reserved for big banks and hedge funds accessible to everyday investors,” said Alexander Harmsen, founder and CEO of Global Predictions. The company also has created a ChatGPT plugin for its app. Follow. This is a social investing app that uses AI for making recommendations. The system helps to create thematic portfolios based on systems like ChatGPT.

“The AI portfolios allow users to take a strategic amount of capital, put it behind a cause they support or an industry they are passionate about, and leave much of the research up to AI,” said Miles Cole, CEO and co-founder of Follow.

© 2023 Kiplinger Finance. Distributed by Tribune Content Agency LLC.

Safer investments for earning high yields

By Elliot Raphaelson

Because the Federal Reserve has been increasing interest rates, there are many conservative alternatives available for investors now who want to take advantage of high returns with minimum risks. Here are some of the alternatives available to you and the associated tax issues:

Certificates of deposit

The returns associated with certificates of deposit (CDs) are much higher than they were at the beginning of 2022. You can now invest in five-year CDs and obtain a return of more than 5%. These rates are much higher than they were at the beginning of last year. However, there are penalties if you redeem them prior to maturity.

Interest on CDs is taxed at ordinary income tax rates at the federal and state level. You will owe taxes each year on the interest earned and paid out each year. As you would expect, the rates of return are generally higher for longer-term maturities.

Series I U.S. Savings Bonds

When inflation was at high levels in 2022, returns on these inflation-protected bonds were as high as 9.62%. These rates change every six months based on the changes in the cost-of-living index. Because inflation levels are lower now, the returns for I-bonds are now 4.3%.

There are no state or local taxes on the interest. You incur federal taxes on the interest when you redeem the bonds. You may choose to pay interest annually. If you use the interest to pay for higher education, some or all of the interest may be taxfree.

Money market funds

The returns from money market funds

are above 5% now. The earnings are subject to federal and state income taxes.

A significant advantage of these funds is the liquidity. You can obtain high returns without investing on a long-term basis. But, if interest rates in general go down, the interest rate on your money market fund will go down immediately. So, if you want a guaranteed higher rate on a longterm basis, a five-year CD would provide a longer guarantee for a high return.

You can also purchase tax-free money markets, which would not be taxable at the federal level and possibly the state level. The returns on tax-free money market funds will be lower, so your marginal tax bracket will determine whether this alternative is more favorable for you.

Treasury bills

Treasury bills are available for 4-, 8-,13-, 26- and 52-week maturities. The 52-week return was over 5.4% at the time I wrote this article. Interest is taxable at the federal level but is generally exempt from state and local taxes.

You can purchase these directly from the U.S. Treasury at TreasuryDirect.gov, your mutual fund or another financial institution. If you purchase bills directly from the Treasury, you can elect tax withholding.

Municipal bonds

Income from municipal bonds is generally free from federal taxes and taxes in the state where the bonds were issued. The interest rates are generally lower than the returns on CDs and money market funds, so your marginal tax bracket will determine whether municipal bonds make sense for you on an after-tax basis.

Every individual municipal bond issue is

rated by financial rating services (Moody’s,

S&P and Fitch), and you should restrict your purchase to individual bonds that have high ratings.

Rather than purchase individual bonds, you can buy municipal mutual funds with different maturities. The shorter-term funds have less risk but also lower returns. You can purchase intermediate- or longterm municipal funds with higher returns but also more risk.

There are definitely risks associated with long-term investments in mutual bond funds if interest rates increase. There is less risk associated with municipal bonds if you purchase individual bonds with a fixed maturity, and hold the bond until maturity.

High-yielding stocks

Another alternative, which has much more risk, is purchasing individual stocks or mutual funds with a history of high dividends.

For many years, I have held Vanguard Dividend Appreciation Index Fund Admiral Shares (VDADX) in my portfolio, which invests in companies with a history of increasing dividends. The annualized returns for one year, three years and five years have been 10.75%, 12.61% and 11.4%.

Do not purchase any stock or fund for high dividends on a short-term basis. Investing in equities requires a long-term strategy.

© 2023 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

How to reduce taxes on Social Security

By Liz Weston

Social Security benefits were once taxfree. That changed in 1983, when Congress decided to tax a portion of benefits for the highest-income recipients. Back then, fewer than 10% of beneficiaries were affected. However, lawmakers failed to update the law to account for inflation, so today most Social Security beneficiaries have to pay federal income tax on at least some of their benefits, said Ted Sarenski, author of the American Institute

of CPA’s Guide to Social Security Planning

There are a few ways to reduce that tax bite, especially if you can plan ahead.

How the taxes work

Social Security taxes are based on your annual “combined income.” Combined income comprises:

• Your adjusted gross income, which includes your earnings, investment income, retirement plan withdrawals and other taxable income, plus

Don’t run the risk of having No Plan.

.

• Any nontaxable interest you receive, such as interest on municipal bonds, plus

• One-half of your Social Security benefits.

For couples filing a joint return, a combined income between $32,000 and $44,000 means up to 50% of benefits may be taxable. For higher combined incomes, up to 85% of benefits may be taxable.

Single filers may pay tax on up to 50% of benefits when combined income is between $25,000 and $34,000, and up to 85% of benefits beyond that.

People who live solely on Social Security don’t have to pay income taxes on their benefits, Sarenski noted. But even a relatively small amount of other income can cause benefits to become taxable.

Defuse the “tax torpedo”

The unique way Social Security benefits are taxed leads to something known as the “tax torpedo” — a sharp rise in marginal tax rates followed by a decline, said William Reichenstein, professor emeritus

BEACON BITS

Oct. 19

at Baylor University and co-author of Social Security Strategies: How to Optimize Retirement Benefits

Marginal tax rates are what you pay on each additional dollar of taxable income you receive. Many middle-income households can face marginal tax rates that are 50% to 85% higher than their regular tax bracket because of this tax torpedo, Reichenstein said.

For example, “You take another dollar out of your tax-deferred retirement account and it causes another 85 cents of Social Security to be taxed, so your taxable income goes up by $1.85,” he said.

Moderate-income households may be able to defuse the effects by delaying the start of Social Security benefits as long as possible, Reichenstein said.

Someone who waits until age 70 to start benefits, withdrawing money from retirement funds in the meantime, not only gets a larger Social Security check but could save

See SOCIAL SECURITY TAX, page 30

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Social security tax

From

hundreds or even thousands of dollars a year in taxes, Reichenstein said. If you’re in the 10% to 22% federal tax brackets, consider talking to a tax pro or financial planner about

how to mitigate the potential tax burden.

Contribute to a Roth

Having at least some money in a Roth IRA or Roth 401(k) can help reduce taxes on Social Security benefits. Withdrawals from these accounts are tax-free in retire-

ment and aren’t included in your combined income, Sarenski said.

You can’t contribute to a retirement account if you don’t have earned income, so people should diversify their retirement accounts long before they stop working, he said. Putting all your money in a pretax option could mean facing a whopping tax bill later.

“People should be trying to balance what they have in pre-tax income and after-tax income so they can balance their taxation in the future when they retire,” Sarenski said.

Get charitable with your IRA

Once you’re 70½, you can make “qualified charitable distributions,” which are donations from your IRA to a charity. The withdrawal isn’t taxable and won’t count in your combined income as long as the money is transferred directly from the IRA custodian to the charity. You can transfer up to $100,000 a year per person this way.

If you’ve reached the age at which required minimum distributions from retirement accounts must begin (currently, that age is 73), qualified charitable distributions can count as your RMD, Sarenski said.

Get financial advice

If you’ve been a good saver, RMDs can push you into a higher tax bracket as well as trigger higher Social Security taxes, Sarenski said.

Tapping your retirement funds before you’re forced to do so could make sense, as could a Roth conversion, Sarenski said. With a conversion, money is transferred to a Roth IRA from a pretax retirement account such as an IRA or 401(k). Conversions typically incur taxes in the year made, but withdrawals in retirement are tax-free.

Again, consider talking to a tax pro or financial planner first. Taking too much from retirement accounts can trigger unnecessary taxes, increase your Medicare or Affordable Care Act premiums and have other financial repercussions, such as running out of money prematurely. Avoiding those pitfalls takes careful planning, Sarenski said.

“The idea to me is to smooth out your tax rates,” Sarenski said. “You don’t want years where you’re paying at 40% and years where you’re paying zero.”

AP/NerdWallet

Protecting your pets after you’re gone

Dear Savvy Senior, What is the best way to ensure my pets are taken care of after I’m gone? I have two dogs and a cat that are my fourlegged family, and I want to make sure they’ll be well taken care of after I die.

—Solo Senior Dear Solo,

It’s a great question. Every year, approximately 500,000 cats and dogs enter shelters when their pet parents experience an emergency or pass away. Without a proper plan in place for the future care of your pets, they are at risk of ending up in a shelter where they could be euthanized.

your pet’s routine, food and medication.

But be aware that even with this provision in your will, the caretaker is not legally obligated to follow your instructions, spend the money as you intended, or send the pet to another caretaker you’ve named. Once the money is distributed to the caretaker, it’s an honor system.

Trusts

trust can be completely separate or part of an existing trust that encompasses your other assets.

to pay, you can make your will for free at FreeWill.com or DoYourOwnWill.com.

SAVVY SENIOR

By Jim Miller

To avoid this terrifying scenario and ensure your furry family is cared for both physically and financially after you’re gone, you should consider including them in your estate plan. Talk to your attorney about how to insert them in your will or trust in accordance with your state’s laws.

Here’s what to do:

Wills

If you already have a will or are planning to make one, you could simply add in a trusted caretaker clause for your pets, along with an alternative if your first choice falls through. You should also set aside money in your will for your pet’s care with an explanation of how the funds should be spent.

To determine how much to leave, multiply your pet’s annual food, care and medical costs by their life expectancies. You may want to add a separate document, called a letter of instruction, describing

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Another option is to create a pet trust, which provides more legal protections. Depending on your state’s laws (see aspca.org/pet-care/pet-planning/pettrust-laws), you could set up either a revocable pet trust, which can be changed or canceled during your lifetime, or an irrevocable pet trust that can’t be reversed. A pet

Along with appointing a trustee to manage your trust’s finances, you name your pet’s caretaker (who could also serve as the trustee) and any alternative caretakers, as well as an optional trust protector for added oversight of the trustee given that the beneficiary (your pets) can’t defend their own rights. Unlike a will, the caretaker has a fiduciary duty to follow your letter of instruction if you include one.

The cost for a living trust ranges from $1,000 to $3,000, while a will typically costs between $200 and $1,000. There are also cheaper do-it-yourself resources for making a simple will or trust, like Nolo’s Quicken WillMaker & Trust (Nolo.com, $99) and Trust & Will (TrustandWill.com, $159). Or, if that’s more than you’re willing

Other arrangements

If you don’t have anyone who would be willing to take care of your pets after you’re gone, you should make arrangements to leave them to an animal retirement home, rescue program, humane society, pet care program or other animal welfare group.

Many of these organizations find new homes for pets or offer lifetime care, but may require a fee or donation. Talk to your veterinarian about the options available in your area.

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.

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Leisure & Travel Leisure &

Reasons to love the Dominican Republic

By Alice Shapin

My husband and I were drawn to the Dominican Republic last winter for the weather, white-sand beaches and golf courses. We left loving the food, the people and their commitment to the environment.

I have to admit I had to check a map to locate the Dominican Republic, also known as the DR. I learned it’s between Puerto Rico and Cuba, shares the island of Hispaniola with its neighbor Haiti, and is situated between the Atlantic Ocean and the Caribbean Sea.

Direct flights are always a big plus for me and my husband, Paul, and there are daily non-stop flights from BWI and Dulles.

To try out as many golf courses as we could, we split our week between two resorts about an hour away from each other. Our first resort, Casa de Campo, arranged for a driver to pick us up from the airport — it was a relief not having to get a taxi.

Casa de Campo sits on 7,000 acres by La Romana, a small city on the island’s southeastern coast. Wanting to see and learn about La Romana, we had the concierge book us a tour, even though it was the DR’s Independence Day and most places were closed.

Our driver, David de la Cruz, spoke English and was very knowledgeable. He told

us that while several foreign powers had occupied the DR, Independence Day celebrates its independence from Haiti on February 27, 1844.

David drove us through the industrial area of La Romana to show us the cigar and sugar factories. The DR exports more than 200 million pounds of sugar to the United States annually. And it was the Cuban-born Fanjul brothers who founded the famous Casa de Campo resort, thanks to their sugarcane fortune.

The DR claims the “Cigar Capital of the World” title, surpassing Cuba. When Cuba could no longer sell tobacco to the United States, the producers migrated to the DR. Tabacalera de Garcia, the largest handmade cigar factory in the world and makers of Montecristo and Romeo y Julieta, to name a few, offers tours. I’m not a cigar lover, but walking through every step of the process and watching an expert roller wrap a cigar was fascinating.

Celebrations were in full swing in La Romana, with happy revelers flooding the streets and plazas. Heading back, we stopped at a bodega to taste the local beer.

Resort’s extensive activities

Casa de Campo has everything guests could want within the vast resort. Every guest receives a golf cart to get around,

and shuttles can take guests to the resort’s extensive amenities (horseback riding, golf, tennis, fitness center, spa, a 245-acre shooting center, kayaking and paddleboarding). If that isn’t enough, they can arrange off-property excursions.

We opted for the all-inclusive dining option, which includes full breakfast, snacks, lunch, dinner and cocktails at five different restaurants. Nothing says “tropical vacation” like frozen strawberry daiquiris available at any hour of the day.

We couldn’t wait to play the most famous of the resort’s three championship golf courses, the Teeth of the Dog, situated along the Caribbean Sea with seven dramatic holes near sheer cliffs above the water. The Dye Fore course (as in “to die for”) is 27 holes, features five cliffside holes dropping 300 feet, and plays along the river. Both courses require a caddie. The third, the Links, is the tamest.

Altos de Chavón is an unbelievable site on the property, a replica of a 16th-century village crafted entirely of stone — including the streets, so wear comfortable shoes.

The village sits 300 feet above the Chavón River, and sites to see include St. Stanislaus Church and the Altos de Chavón Archaeological Museum, which has a comprehensive collection describing

the indigenous culture in the DR. There’s also a 5,000-seat open-air amphitheater for concerts, not to mention shops and restaurants, of course.

With so many options at the resort, it was impossible to do everything. Although we had no time to hit the crowded beach, it looked popular with families.

Instead, we drove our golf cart to the marina, where mega-yachts docked. From there, you could go deep-sea fishing, sailing or snorkeling. At the marina, there were more restaurants and places to shop. Though beautiful, the shops were too pricey for me.

Off to Punta Cana’s resort

Punta Cana is another major tourist destination, with many hotel accommodations, white-sand beaches, calm turquoise water and nightlife.

The Puntacana Resort and Club is just minutes from the Punta Cana International Airport, which the resort built in 1983 — the first privately owned international airport in the world.

We chose to stay at the Puntacana Resort’s Tortuga Bay, a boutique resort-within-a-resort with just 30 suites, each with a

Built of coral stone, St. Stanislaus Church dominates the central plaza of Altos de Chavón, a re-creation of a 16th-century Mediterranean village located within the Casa de Campo resort in La Romana, Dominican Republic.

PHOTO © ANTONELLA865 | DREAMSTIME.COM

Learn about the charms of friendly Victoria, British Columbia. See story on page 34.

Oscar de la Renta designed the beachfront villas at Tortuga Bay Puntacana Resort & Club, known for its Corales golf course. Mother Nature provided the stunning bluegreen water, more of which fills the freshwater lagoons at the nearby nature preserve.

PHOTO COURTESY OF TORTUGA BAY PUNTACANA RESORT

PHOTO BY DON MANKIN

Dominican Republic

From page 32

front-row seat to the beach, tall coconut palms and views of the unbelievably blue, clear waters. Breakfast is included, and here, too, rooms come with a golf cart. During our two-night stay, everyone on the staff knew our names. At dinner, the chef came to our table, introduced himself and gave suggestions.

Our favorite restaurant, La Yola, serves freshly caught seafood and Mediterranean cuisine. Modeled after a fisherman’s boat, this dramatic open-air restaurant offers live music with Caribbean views.

One evening, a fabulous saxophone player serenaded guests. At breakfast the next day, the saxophonist was our waiter! He told us the owner had hired him as a waiter but gave him his “big break” as a performer.

Responsible ecotravel

The next day, we drove our cart to the Indigenous Eyes Ecological Park & Reserve, a 1,500-acre nature preserve with a dozen crystal-clear freshwater blue la-

BEACON BITS

FOLK MUSIC OPEN MIC

Ongoing

goons, five for swimming. We walked to a lagoon (wear sneakers), where we saw birds, reptiles and flora. So mesmerizing, it beckoned us to jump in.

The land for the reserve was donated by Grupo Puntacana, part of a network established by a group of 40 American developers, including Ted Kheel, who in 1969 bought 30 square miles of land in the Dominican Republic and began building resorts. Today, the group is a leader in the sustainable tourism industry.

One of the reasons we chose this resort was to see how they’re helping the planet. [Ed. Note: Research suggests golf courses are not environmentally friendly.]

Jake Kheel, an American sustainability innovator and vice president of the nonprofit Grupo Puntacana Foundation, gave us a tour (available even if you don’t stay at the resort.)

Kheel showed us a large beehive area, thousands of wiggly worms composting garbage, an expansive coral restoration project, and several hydroponic experiments (growing vegetables in water instead of in dirt conserves water).

At the gift shop, we could buy purses

Institute of Musical Traditions hosts this listening-room style open mic with weekly featured artists on Tuesdays at the Institute of Musical Traditions, 7112 Willow Ave., Takoma Park, MD. Sign up at 6:30 p.m.; the music begins at 7 p.m. This event is free, but donations for featured artists are welcome. For more information, visit bit.ly/IMTOpenMic or call (301) 960-3655.

BAROQUE CHAMBER ORCHESTRA

Nov. 17

This free concert by Georgetown University’s ensemble-in-residence, Modern Musick, uses 17th- and 18th-century instruments and historical performance practices. Enjoy the program on Fri., Nov. 17, from 12:30 to 1:45 p.m. at McNeir Hall, New North Building, Georgetown University, 3700 O St. NW, Washington, DC. To reserve a spot, visit bit.ly/ModernMusick. For more information, email performartadmin@georgetown.edu or call (202) 687-3838.

LIVE Your ADVENTURE

made from vibrant-colored plastic grocery bags by local women.

If you go

Southwest has one nonstop flight daily from BWI, and United has one from Dulles. Check Kayak.com or Expedia.com for current flight prices.

Depending on your hotel, you may be eligible for VIP treatment at the airport, including skipping the long customs lines, which can take 45 minutes to over an hour, or other perks. When departing, you can access a private lounge with a swimming pool, all free for Tortuga Bay or Puntacana Estate

guests (and available to others for a fee).

Casa de Campo rates start at $319 per night; all-inclusive rates start at $499. Group discounts are available. You can save by booking an apartment within the resort via Vrbo or Airbnb starting at $117 per night.

Tortuga Bay rates start at $747 (including breakfast) per night, but again, if you search for the resort on Vrbo or Airbnb, you may find a much cheaper room within the resort. At the nearby Westin Puntacana Resort & Club, rates start at $324 and include breakfast (no all-inclusive option). For more information, visit casadecampo.com and puntacana.com.

Calling Western High School Alumni! The

Western HS (Wash, DC, NW) opened in 1890 and was renamed in 1976. The Alumni Association preserves the memory & legacy of Western HS. The Association is holding its quarterly meeting for alumni only on Saturday, November 4. Will YOU step-up to serve on Board to keep the Western memory alive? If we don’t get new board members, the Association will be dissolved!

For more information, contact Wendy at wcleyes@hotmail.com

A laid-back visit to elegant Victoria, BC

By Don Mankin

It’s easy to see why the Pacific Northwest city of Victoria is Canadians’ favorite retirement spot. A temperate climate, chill lifestyle, natural beauty and a favorable exchange rate make it a highly desirable destination for American travelers, too.

Last June, my wife Katherine and I had the good fortune to discover the charms of this elegant, laid-back city in a too-brief three-night visit. “Elegant” and “laid back” aren’t two terms you’d expect to describe the same city, but Victoria defies the contradiction.

Flowers and grand old buildings

The capital city of British Columbia, Victoria is located at the southern tip of Vancouver Island, about 100 miles off the west coast of Canada and less than three hours from Seattle by ferry.

Upon our arrival at our Airbnb condo in the heart of the city, I changed into a clean T-shirt, shorts and sandals for a stroll along the scenic waterfront. The weather was perfect: sunny and balmy, with a slight breeze wafting off the water.

Along the waterfront, colorful baskets of flowers hung from vintage lamp posts. We glimpsed the impressive, Colonial-era Parliament Building at the other end of the sundappled harbor, just a quarter mile away.

Between us and the Parliament Buildings was the world-famous Empress Hotel, its spacious lawn filled with flowers. It drew us like a magnet; we just had to check it out.

At first, I felt a bit out of place as we strolled in our casual attire through the corridors of gleaming brass, dark polished wood and crystal chandeliers.

We headed to the bar, a mix of modern and old-world elegance, with tall windows looking out over the harbor. The bartenders were anything but stuffy. Sizing us up as Americans (how could they tell?), they quickly put us at ease, exchanging witty banter and recommending casual, quirky restaurants that nailed our tastes and budget.

Before we left, we tried to make a reservation for high tea, a tradition closely associated with Victoria and the Empress in particular. Unfortunately, they were booked up, much to Katherine’s disappointment (and my relief). Instead, we would have to make do with long walks along the waterfront.

Day trip to Butchart Gardens

One Victoria institution we wouldn’t miss out on was Butchart Gardens, a 35minute drive from Victoria. The focus of our first full day in Victoria, Butchart Gardens lives up to its hype.

On the site of an old limestone quarry, the Butchart family created a 55-acre wonderland that includes Japanese, rose, Italian, Mediterranean and sunken gardens surrounded by a lush, dense forest of tall trees.

The sunken garden was my favorite. Built on the main quarry, it turns what would have been an ugly gash in the earth into a colorful fairytale glen with flowers, lawns, ponds and a fountain that spouts choreographed arcs of water 70 feet into the air.

The gardens also include a coffee shop, gift store, visitors center, gelateria, cafeteria and a restaurant that serves dinner and high tea.

Walks with a view

We passed on high tea in favor of an inexpensive but excellent dinner at a panAsian restaurant called Brick Kitchen and Bar. It’s located just off Government Street, the pedestrian promenade that runs through downtown Victoria a block off the wharf.

On the way back to our apartment, we walked down Canada’s narrowest street, Fan Tan Alley, in the oldest Chinatown in Canada and the second oldest in North America. Then we walked along the wharf, admiring beautifully restored red-brick buildings glowing orange in the rays of the setting sun.

Besides flowers, high tea and great weather, Victoria is also known for its scenic walks. My favorite was a leisurely morning stroll along the Inner Harbour past Fisherman’s Wharf to Ridge Trail, a promenade and trail atop the sea wall.

With the return to downtown through the neighborhood of James Bay, the total walking distance was about four miles (add another mile if you walk to the lighthouse).

From the promenade, we could look clear across the Strait of San Juan de Fuca to the snow-capped ridges and peaks of the Olympic Mountains in Washington state.

We spent many minutes gazing at the view from one of the several benches along the trail. I could have easily spent hours if we had the time, but we had other destinations to explore.

Coastal rainforest

Looking for something different, we headed to the town of Sooke in the afternoon, about an hour’s drive west of Victoria at the bottom of Vancouver Island. The town’s motto is “Where the rainforest meets the sea.” We were there to sample a little bit of both.

Our first stop was Sooke Potholes

Provincial Park. The park’s main feature, as its name implies, are the natural, watercarved potholes along the Sooke River. From our viewpoint in the rainforest above the river, the potholes looked largely inaccessible to swimmers but provided a scenic tableau of tumbling water, twisty turns and rocky drops.

Our second stop was Whiffin Spit, a milelong, narrow stretch of sand that extends across the mouth of Sooke Harbor, almost cutting it off from the Strait. The spit affords expansive views of open water to one side and the distant harbor to the other.

We capped off the day, our last in Victoria, with dinner at Il Covo Trattoria, an upscale Italian eatery near the entrance to the Inner Harbour. While not quite matching the sophistication of the Empress, it was fancy enough for me to exchange my usual outfit of shorts and a T-shirt for long pants and a collared shirt.

The following morning, from the top deck of the ferry that crosses the Strait several times a day between Victoria and Port Angeles, Washington, I watched the city slowly recede as we pulled away from the dock.

I recorded the scene in my memory: seaplanes taking off and landing in the harbor, boats lining the marina, grand historic buildings. But most of all, the vivid colors of the flowers, the azure sky and the deep navy blue of the water.

I may not get back this way again, so the memories will have to do.

If you go

Round-trip, one-stop airfares from local airports are in the $500 range on Alaska

Victoria’s Inner Harbour hosts festivals, shows and live music performances, all just a short walk from its historic downtown. This photo was taken from inside the world-famous Fairmont Empress, the city’s finest hotel.

PHOTO BY DON MANKIN

Friendlier skies for those with dementia

By Terry Tang

Andrea Nissen is trying to prepare her 65-year-old husband, who has Alzheimer’s disease, for a solo flight to visit family in Oklahoma. She worries about travelers and airport officials misinterpreting his forgetfulness or habit of getting in people’s personal space, and feels guilty about not being able to accompany him.

“People say, ‘He has dementia. You can’t let him go by himself,’” Nissen said.

But attending a dementia-friendly travel workshop in July helped ease some of those fears. Nissen learned about the resources available at Phoenix Sky Harbor International Airport and what assistance airlines can offer when asked.

It was the first time the city of Phoenix hosted such a workshop, making it the latest U.S. city pledging to make flying friendlier for people with dementia.

Nearly a dozen airports — from Phoenix to New Orleans — in the last few years have modified their facilities and operations to be more dementia-friendly, advocates say.

Victoria, BC

From page 34

Airlines and Air Canada.

They’ve added amenities like quiet rooms and a simulation center where travelers with dementia can learn about flying or get a refresher. [Ed. Note: As of press time, no participating airports exist in the D.C. area.]

Looking for a gate, trying to remember flight times or following terse commands from Transportation Security Administration agents while in line with others can overwhelm someone with dementia. Symptoms like forgetting words can be mistaken for being under the influence of alcohol or drugs.

Many airports ‘behind the curve’

But most large U.S. airports are behind the curve on serving travelers with dementia when compared with some airports in Australia and Europe.

Dementia isn’t covered by the Americans with Disabilities Act, so nobody is compelled by law to make changes, said Sara Barsel, a former special education teacher and founder of the DementiaFriendly Airports Working Group, which

heart of downtown overlooking the Inner Harbour can’t be beat, not to mention the elegant luxury that permeates this grand dame of Victoria. Rates are about $400 a night.

Less pricey but conveniently located ho-

lobbies for airports and airlines to enact dementia-inclusive policies.

Part of the reason she suspects there aren’t more quiet rooms at airports is because they don’t generate revenue, she said.

“I don’t know what their constraints are in terms of economics. I know what the impact is, and the impact is that there’s less for people who need quiet spaces,” said Barsel, who is based in Roseville, Minnesota.

Sunflower lanyards

The group, which was founded in 2018 by experts in dementia and Alzheimer’s, helped add lanyard and other programs to airports.

London’s Gatwick Airport created the Hidden Disabilities Sunflower lanyard program in 2016, which is now in over 200 airports globally. Light-green lanyards with a sunflower pattern are issued to anyone who wants to subtly indicate they or a travel companion has dementia or a not-as-visible disability. The lanyards let airport and airline personnel know the traveler may need more attention or to have information repeated.

tels include the Magnolia Hotel and Spa, the Victoria Marriott Inner Harbour, and the Victoria Regent Hotel and Suites. Rates are around $300 per night.

Where to eat: In addition to the Block Kitchen and Bar and Il Covo Trattoria, I

One of the first airports the group reached out to was the Missoula Montana Airport, which became certified as a “sensory inclusive” facility in March. The group went over issues that can arise with lighting, floor design and noise. It also incorporated the sunflower lanyards.

“It’s already a high-stress, anxiety-driven environment for anyone not suffering from a hidden disability,” said airport Deputy Director Tim Damrow.

“We wanted to make sure that everyone is welcomed and treated with the dignity and respect they deserve.”

Jan Dougherty, a registered nurse who has written a book on traveling with dementia and led the Phoenix workshop, said with the right support, people with dementia can travel safely.

“So many people early on [after diagnosis] are capable of travel with some accommodation,” she said.

For more information, see dementiafriendlyairports.com.

also recommend the Tapa Bar in historic Trounce Alley for, you guessed it, tapas, and the Jam Café for humongous breakfasts.

For more information, visit tourismvictoria.com.

Arts & Style

National Theatre’s upcoming season includes Annie and other well-known (as well as new) musicals.

Stirring Evita revival tells riveting story

By Lynda Lantz

Evita

Over the course of this absorbing, engrossing production, the complex, stylish heroine fills her dress — indeed, more than one — as she becomes first lady of Argentina. The musical, a run of the recent revival production at the Boston American Repertory Theater, will be at Sidney Harman Hall through October 15.

Director Sammi Cannold draws out elements in the musical that emphasize the stark disparity between the 15-year-old Evita and the older men who seduce her.

In a series of white dresses, actress Shereen Pimentel embodies Evita first as a child who is vulnerable, angry, hopeful and delightfully ambitious: “Put me down for a lifetime of success!”

She seamlessly becomes a single-minded young woman whose approach to the world is shaped by her early liaisons. She focuses on those with the means to move her into more secure, reputable, comfortable posi-

tions as an actress on stage, film and radio.

Juan Duarte, played by Caesar Samayoa, seems as close as any wannabe dictator gets to a slacker. Next to Pimentel’s driven Eva, he’s not the sharpest; however, when they marry, he’s sharp enough to enjoy how Eva’s popularity boosts his own. He doesn’t have much opportunity to sing, so pay attention to his revealing “She’s a Diamond.”

Eva soon becomes first lady, rising neon-lit and larger than life in her white gown. Pimentel projects a conflicted expression — at once startled, satisfied and triumphant — as the cheers of her people wash over her.

The catch in her voice as Pimentel owns the show’s signature song reveals a longing: Eva continues to be committed to improving life for her descamisados, “the people without shirts,” but not on a systemic level, as the narrator points out.

Instead, her foundation carries out oneto-one philanthropy that feeds her need for adoration more than her people’s needs. Is she self-serving or aware of the demands of her role, as she chases her image in the enthralling “Rainbow High”? “They need to adore me, so Christian Dior me… It’s vital

you sell me, so Machiavell me.”

Pimentel’s beautiful voice brings layers of emotional resonance, especially to “Don’t Cry for Me, Argentina,” “I’d Be Surprisingly Good for You” and “Lament.”

Narrator as Greek chorus

The narrator Che, a dazzling Omar Lopez-Cepero, paces among characters who do not see him, hovering at the edge of the stage’s framed box.

But we cannot ignore him. Lest the audience forget Perón is the wife of a dictator, he mocks her pursuit of image in “And the Money Kept Rolling In.”

Alongside Pimentel, he also stands out in his comment on the goal-oriented pursuit of relationships in “Good Night and Thank

You.” He grounds the audiences with the clarity of his singing, whereas other lyrics in the musical were hard to make out.

Other highlights include the young displaced mistress Naomi Serrano’s “Another Suitcase in Another Hall,” as Eva looks on with discomfort, and the Army General’s Duck-Duck-Goose game, played for high stakes in the “Art of the Possible.”

Overall, the choreography of Emily Maltby and Valeria Solomonoff is excellent, especially scenes with the Army, which gave off a totalitarian, yet Monty Python vibe.

Although the newly added tangos are beautiful, they distracted from Eva and Juan’s first meeting, where Pimentel’s

See EVITA, page 38

, at the Shakespeare Theatre Company, opens with a beautiful image of a dress — aloft, pristine and sparkling — in the center of a spare, dim stage at the death of Eva Duarte Perón.

See story on page 38.

Shereen Pimentel stars as the title character in the Andrew Lloyd Webber musical Evita, at Shakespeare Theatre Company’s Sidney Harman Hall through October 15.

PHOTO BY DJ COREY PHOTOGRAPHY

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New and old musicals come to National

By Mark Dreisonstok

Another season of top Broadway shows on tour is coming to the National Theatre in downtown Washington, D.C.

“We’re always thrilled to give Broadway fans a wonderful night out in the heart of the District,” said Ryan Baker, marketing director of the National Theatre.

The first, Mrs. Doubtfire , known as “everyone’s favorite Scottish nanny,” will run October 10 to 15. Based on the beloved film, which starred the late Robin Williams, the story revolves around an out-of-work actor who will do anything for his children.

After losing custody in a complicated divorce, he creates a kindly alter ego of Scottish nanny Euphegenia Doubtfire to stay in his children’s lives. As his new character takes on a life of its own, Mrs. Doubtfire

teaches Daniel how to be a father.

Next comes The Wiz! Playing from October 24 to 29. The classic Frank L. Baum tale of Dorothy’s journey to Oz gets a contemporary setting and a score replete with soul, gospel, rock and 1970s funk.

Continuing the line-up of musicals based on Hollywood films is Pretty Woman: The Musical, playing from December 12 to 17. The cinematic romantic story springs to life with a powerful creative team led by two-time Tony Award-winning director and choreographer Jerry Mitchell.

The new year finds Annie at the National from January 23 to 28, 2024. Little Orphan Annie and Daddy Warbucks have reminded generations of fans of the comic strip, films and musical that “the sun will come out tomorrow.”

Next, a more edgy sort of musical comes to the National in the form of The Book of Mormon. Despite the religioussounding title, this nine-time Tony Awardwinning Best Musical uses explicit language and controversial sarcasm that are definitely intended for an adult audience.

The Broadway at the National Program returns to a family production from April 9 to 21 with a production of Peter Pan. The show is a “new adaptation by celebrated

Evita

From page 36

voice and body language were the stars of the scene.

The stage is beautifully minimalist, with neon lighting by Nick Solyom that frames the stage and moveable archways. Changes in color express the excitement of the big city, but contrast with the gray costuming and underscore the political boundaries enclosing the characters.

How a cast clad in gray can be simultaneously oppressed, oppressive and highly stylish is a mystery solved by associate costume designer Joseph Shrope.

Of course, there are flaws. The stage is cloaked in thousands of heavy-petaled lavender flowers, which resemble mounds of gray stuffing or ashes (an interesting

playwright Larissa FastHorse, directed by Emmy Award-winner Lonny Price and choreography by Lorin Latarro.”

This adventure for children and those who never grew up begins when Peter Pan and his fairy sidekick, Tinker Bell, visit the nursery of the Darling children late one night. With a “sprinkle of pixie dust” and a few happy thoughts, the children are waft-

image) more than flowers.

In addition, much of the music — written by Andrew Lloyd Webber — continues to replay in one’s head for days. The emphasis on brassy horns, martial staccato and sustained high sections for the chorus and heroine — meant to convey the poverty, political chaos and urgent dictatorial grip — can be harsh on the ear.

Moments of dissonance aside, this is a heartfelt and stirring production that will stay with you.

Evita is on stage at STC’s Sidney Harman Hall, 610 F St. NW, Washington, D.C. The performance lasts two hours with a 15minute intermission.

Ticket prices start at $35. People 60 and older can receive a 10% ticket discount; 35% off for Wednesday noon matinees. Call or visit the box office at (202) 547-1122 to purchase.

The BSO Passport is our most flexible option for music lovers to experience the Baltimore Symphony Orchestra all season long. For just $120 (or two for $240), get access to 30+ concerts throughout the season at both the Joseph Meyerhoff Symphony Hall in Baltimore and The Music Center at Strathmore in North Bethesda. Add on an extra ticket for a friend for only $20 per concert!

Join us for our new musical journey!

Tony Perkins

From page 1

it’s going out to thousands of people.”

Perkins has also been intrigued by television personalities like Johnny Carson since he was a child. “I was fascinated by [television]; drawn to it. I started to have a sense of ‘Ooh, I’d love to do something like that someday,’” he said.

As a college student at American University, Perkins helped found the campus television station. His first time on the air was at the school’s student-run radio station, WAMU. Perkins would write a few jokes to introduce people on air.

“I liked to laugh, and I found I liked to make other people laugh,” he said.

The problem was, it’s hard to hear an audience laugh from a radio studio. So, one evening, Perkins decided to try out open mic night at Carmen’s Comedy Club in downtown D.C.

That’s when he became “hooked,” traveling up and down the East Coast, doing gigs and working full-time in standup. “It was a crazy, risky decision. But I was single; I was young.”

It turned out that doing comedy was “one

National Theatre

From page 38

ed away to a magical journey in Neverland.

Speaking of Neverland, the final produc-

of the best decisions I ever made,” he said. Perkins got his first break in radio after a comedy gig. After local radio personality Donnie Simpson saw his act, “he pretty much hired me on the spot,” Perkins said.

Simpson, who remains one of Perkins’ closest friends 30 years later, brought him on as a writer and producer for “The Donnie Simpson Show” on WKYS-FM.

Perkins stepped away from standup around the time he met his future wife, Rhonda. With his foot in the door in radio, Perkins landed more positions at D.C.-area radio and television stations, and his baritone humor quickly attracted a larger audience and wider recognition.

After only a couple of years at DC Channel 20, he won an Emmy Award for a “fun little entertainment and comedy show” he hosted on Saturday afternoons called “DC 20 Breakaway.”

Hitting the big time

A few years later, he was hired as a weather forecaster at Channel 5’s “Fox Morning News.”

Just six years after that, Perkins was offered the “Good Morning America” weather anchor position and moved to New York

tion of the season, running from August 13 until September 8, is MJ the Musical. The “MJ” of the title is, of course, the late pop icon Michael Jackson.

Written by Lynn Nottage, the multiple

City, commuting to his home in Virginia on weekends.

In 2005, after his son was born and “being on call 24 hours a day,” he said, Perkins left the blockbuster morning show and settled again in Virginia, returning to Fox 5. There, he won a second Emmy.

In 2019, he moved to CBS’ Channel 9 to became the anchor of “Get Up DC.” All the while, Perkins was co-hosting podcasts and radio shows, including another stint on “The Donnie Simpson Show,” where his career began.

But working at NBC was always Perkins’ goal. “I grew up watching NBC. I was a huge fan of ‘[The] Tonight Show’ with Johnny Carson. I loved SNL [‘Saturday Night Live’],” he said.

“I have pictures of myself when I was a teenager outside the NBC entrance, pointing at the NBC logo as if to say, ‘I want to be working here someday.’”

Perkins finally became an NBC anchor in March 2023. Now that he has his dream job, he’s not planning to retire anytime soon. “I don’t feel like I’m anywhere near done,” Perkins said.

After all, he’s still learning every day.

“These jobs that I’ve had have allowed

Tony Award-winning musical centers around Jackson’s 1992 world tour.

Baker says the National’s lineup will appeal to a large range of audiences. “Our mission is to provide the best of Broad-

me to learn a lot,” he said. “If you’re a TV news anchor or even a talk show host, you really have to know a little bit about a lot of things and be a quick study.”

Comedy roots

This month, Perkins is featured in an upcoming documentary about black comedians. “The Mecca of Comedy,” which premieres at Union Stage in D.C. on Oct. 8, includes interviews with Perkins, Martin Lawrence, Dave Chappelle, Wanda Sykes and other comedians who got their start in the District.

When Perkins was on the comedy circuit, he used to close his act with an impression of Bob Dylan singing the theme song to “The Flintstones.” It killed.

“I always figured, well, this will be surprising to people, coming from a black comedian,” he said with a chuckle. “That always did very well for me.”

Come to the Beacon 50+Expo on Sunday, October 22, to hear and meet Tony Perkins. The expo will take place from noon to 4 p.m. at the Silver Spring Civic Building in downtown Silver Spring, MD. For more information, visit thebeaconnewspapers.com or call (301) 949-9766.

way and popular entertainment to D.C.area audiences,” he said. “We’re proud we can fulfill our mission by presenting such a variety of hit shows for audiences of all ages.”

Experts provide sound advice on aging

Here are several helpful books that focus on health and wellbeing as we age.

Keep Sharp: Build a Better Brain at Any Age, by Sanjay Gupta, MD, 336 pages, Simon & Schuster paperback 2022; 12 Weeks to a Sharper You: A Guided Program, by Sanjay Gupta, MD, 190 pages, Simon & Schuster paperback, 2022

Many of us are familiar with the reassuring, no-nonsense approach of CNN’s Chief Medical Correspondent Dr. Sanjay Gupta. He is a practicing neurosurgeon and associate professor of neurosurgery at Emory University School of Medicine.

tiny. Those who take a proactive approach can overcome genetic proclivities.

Gupta explores in depth these pillars of brain health: move, discover, relax, nourish and connect. He debunks the value of “superfoods.”

He describes the latest scientific findings that may show how to reverse and slow dementia. The doctor insists that older people can master new subjects such as learning to code, paint, speak a new language and play a new sport.

By Dinah Rokach

In Keep Sharp, Gupta presents in a wellorganized format his conclusions on optimizing mental fitness. His approach is based on research that shows that the brain is resilient and can be improved at any age.

He reassures readers that carrying the Alzheimer’s gene does not determine des-

Gupta incorporates his findings into a 12-week program.

12 Weeks to a Sharper You is a guidebook and journal that allows readers to enter responses to specific prompts and monitor their own progress. Follow the recommended exercises and review your progress. The approach is personal and effective.

The Body: A Guide for Occupants, by Bill Bryson, 464 pages, Anchor Reprint Edition paperback, 2021

This comprehensive tour of the human body by septuagenarian Bill Bryson is witty and informative. The Body, which includes 16 pages of illustrations, is a wonderful source of general knowledge about human anatomy that is easy to comprehend.

As people age, their encounters with medical professionals increase. Having a good-natured contemporary as your guide is the perfect prescription. You’ll be better informed when you consult with your physician.

Bryson describes and elucidates scientific dead ends, medical miracles and research studies from all over the world. In addition to chapters on specific parts of our anatomy, he writes about pain, sleep, nutrition, infectious diseases, cancer and aging.

After this publication, Bryson announced his retirement from the literary life.

You Have More Influence Than You Think: How We Underestimate Our Power of Persuasion, and Why It Matters, by Vanessa Bohns, 235 pages, W. W. Norton & Company paperback, 2023

If you subscribe to the notion that you are ignored, invisible and are powerless in today’s fast-paced tech-centric society, Vanessa Bohns disagrees. She holds a doctorate in psychology from Columbia University and is professor of organizational

behavior at Cornell.

In her book, Bohns contends that in almost every aspect of life, we tend to underestimate the degree to which other people take notice of us. Hence, we are not aware of our own power to influence others even in short conversations with strangers.

Bohns writes that we also tend to be too self-conscious. Asking for help from strangers is much more effective than we imagine. The key is to ask directly and in person — it’s much easier to decline a request that is emailed, texted or phoned.

Studies show that merely attending an event empowers political leaders and the causes they represent. You needn’t be more involved than just showing up to a rally. Numbers count.

In addition, elders exert great influence in our roles as mentors and grandparents. We wield a disproportionate amount of power over those who look up to us.

When first published by National Geographic Books in 2021, You May Have More Influence Than You Think was named to its annual list of best books for ethical leaders by the Notre Dame Deloitte Center for Ethical Leadership. The commendation elaborates, “Bohns shows that by experiencing our influence and fully understanding it, we can take steps to wield it not just more effectively but also more ethically.”

You can take your senior discount and…

Senior privilege is all around us. Dedicated seating on buses and subways. Discounts at the movies. Youngsters who offer to walk us across the street — well, sometimes, anyway.

This old guy has always been ambivalent about such tilts. On the one hand, we oldies have earned them. On the other hand, we should be the ones who say “no, thanks,” because younger people often need the help more than we do.

that, while shaking his head over some old guy who, amazingly, had just looked a gift horse in the mouth.

Yet there’s one slab of senior privilege that I have come to adore. If you’re over 75 — which I am — you no longer have to remove your footwear when passing through airport security.

Bliss!

where near a 75th birthday.

So, the policy isn’t just a gumdrop for the old. It’s based on fact. It also speeds traffic.

But for this inveterate reporter, it slows traffic. Because he can’t help asking the dark-blue-shirted TSA employees a few questions.

Do you ever get people who claim to be 75 so they can dodge a long line? Once in a while, yes, I’ve been told.

The intake TSA agent asked if I was over 75. I said I was. He motioned me toward the separate oldies-only line.

I told him I didn’t want special treatment. I said I’d go through normal screening, despite my age.

He looked at me as if I had just arrived from the moon. “You know you’ll have to take your shoes off if you go through the normal line?” he said.

HOW I SEE IT

By Bob Levey

I’m so conflicted about this issue that I sometimes produce amazement.

At a restaurant recently, where I was eating by myself, the server brought the check. I had been charged the “senior rate” for the buffet. My tab was three dollars less than it might have been.

I called the manager over and objected.

“See that family over there?” I asked him, as I gestured toward a foursome, including two unruly kids, who were smearing ketchup all over their food and each other’s faces. “They’re the ones who should be getting the break.”

The manager was incredulous. “You don’t want the discount?” he asked.

I said I’d like to transfer it to my ketchup-smeared neighbors. He arranged

Shoe removal used to be such a struggle. You’d get to that place in the screening process where you unload your earthly possessions into a plastic tray. Wallet, bags, keys, phone — no problem. But now shoes must go into the bin, too.

Of course, the geniuses who run things never provide a place to sit. Balancing on one leg while you pry a shoe off the other isn’t my idea of a good time.

But nowadays? All you have to do is tell the TSA representative that you’re north of 75.

You are shepherded into a separate line. They ask if you have any implants — A pacemaker? Artificial joints? If the answer is no — and in my case, that’s the answer — zip-boom-bop, you’re through.

Clearly, the 75-and-over rule is based on history. In the annals of terrorism, I don’t believe any perpetrator has been any-

Do you ever get people who can’t remember if they’re 75? Believe it or not, the answer is yes.

Do you ever get people who roll up a pantleg and offer to show you their replaced knee? More often than you’d suspect.

And do you ever get people who want to argue — hey, terrorists are so clever that one of them might actually be over 75?

Happily, the system takes this possibility into account. Over-75s do not escape security. They submit to metal detectors just like younger people. They get a separate line, not a pass.

Yet, ambivalent as always about senior privilege, I tried something recently in the Charlotte airport.

“Yes, I know,” I said. “I think I can handle it.”

I managed to remove two sandals without falling on my face. I was through the regular line about as quickly as the senior line would have taken.

Even though no one in authority will ever know what I did, I feel that I struck a blow.

One TSA agent now knows this: Not every senior citizen needs to be treated as if he’s a delicate, wilting flower.

We seniors haven’t gotten this far in life by expecting, or accepting, special treatment. It’s nice to be offered it. It’s nicer to decline it.

Bob Levey is a national award-winning columnist.

Scrabble answers on p. 47.

Find

Crossword Puzzle

Out on a Limb

By Stephen Sherr

Across

1. Computer operator

5. Most common fencing weapons

10. Go to or from the Enterprise

14. Caribbean root vegetable

15. ___ into the ground (mismanaged a project)

16. “And another thing...”

17. Las Vegas hotel, named for an opera solo

18. First day designation on many cruise ship itineraries

19. Middling

20. Submit for grading

23. ___Tok

24. Destroy digital evidence

25. Signs a protest petition

29. AL East team

30. Cause of a tactless remark

35. School that specializes in engineering

36. Partner of drink and be merry

37. Winnie, for one

39. First tentative attempt

44. From ___ Z

45. Despondency

46. State bird of Maryland

50. Color in 17 Major League team uniforms

51. Furtive attempt to delay disaster

58. Banned fruit spray

59. “Welcome to Hawaii”

60. 54 Down’s dad, in Norse mythology

61. Wilder one

62. Voice not as low as bass

63. Take the scenic route

64. “I could hardly believe my ___”

65. Wield, as influence

66. Gets on one’s case

Down

1. The beehive state

2. “Nobody doesn’t like ___ Lee”

4. ___ Show (video game that simulates a baseball player’s advancement through the minors)

5. Former senator with five Emmy awards

6. Like Cheerios

7. “Well, not ___ many words”

8. Stead

9. Notoriety

10. Heart rate upon waking in the morning

11. Conjoin, covertly

12. Item on the left side a balance sheet

13. Bond, seven times

21. “___, and they is they”

22. Chile dough

25. Frequently, to a 26 Down

26. Rhymester

27. A little bit Spanish

28. Quick notetaker

29. Common synagogue name starts

31. All ___ and no cattle

32. Modern load types

33. Hand-carry

34. Gardening tools with bad reputations

38. 120 mins., at least

40. After-Christmas event

41. Repeat, and repeat, and ...

42. First president of The 99s all-female pilot club

43. Appropriately named motor-city radio station

46. Old enough to know better

47. Life of ___

48. Insipid

49. Maneating monsters

52. Holly plant

53. Less than a few

54. Marvel superhero with over a billion in box office

55. “Showing off is the fool’s ___of glory” (Bruce Lee)

56. Charles, since May 6, 2023

57. Concludes the clue list Jumble

3. Julia’s Oscar-winning title role

Letters to editor

From

grandchildren’s lives depend on this. I hope it’s not too late.

Joyce Siegel Via email

ONE BIG HAPPY By Rick Detorie

Dear Editor:

Children are never too young to love the earth. The 3- and 4-year-olds I teach are empathic and thoughtful.

The first time we were together during a thunderstorm, most of the children were scared. Despite their fear, they remained curious. I explained that the rain helps the flowers grow, that the wind carries the clouds to rain on new plants, and that thunder comes when the earth is happy.

After many storms and many conversations, their love for the earth has transcended their fear. This week, one of the kids told me they were excited for the storm because the hot summer probably made the trees thirsty. While preschoolers may not understand the intricacies of climate change, they naturally care for their environments. This gentleness ought to be nurtured by caregivers starting at a very early age.

I hope that through these casual lessons about storms, I helped to foster their innate feeling that the earth is beautiful. I trust that as the kids in my classroom grow, so will their appreciation for the natural world. Change starts with love, and love starts with learning.

Samantha Block Falls Church, VA

Classifieds continued from page 46.

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I BUY OLD GUNS (Military/Civilian) and MILITARY MEDALS, uniforms, insignia, books & more from the Civil War, World Wars I and II, Korea, Vietnam to present. I have a Federal Firearms License to purchase firearms from estates and individuals. Located in MDbut will travel. I also buy West Point & Naval Academy memorabilia and items from Generals and Admirals. Client testimonials on my website: www.midatlanticmilitaryantiques.com Call, email or text. Tim Frank 703-447-7243 historian1975@gmail.com

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PAYING CASH FOR MERCHANDISE

PRE 1980S. Old toys, records, chess sets, old fishing lures pre 1970s, Asian pottery. If you have old stuff to sell, call Carl 312-316-7553. Location Silver Spring.

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WANTED: OLDER VIOLINS, GUITARS, BANJOS, MANDOLINS, UKULELES. Musician/collector will pay cash for older string instruments. Jack (301) 279-2158, leave message & phone number (please speak slowly).

CASH FOR JEWELRY: Buying jewelry, diamonds, gold, platinum, silver, watches, coins, flatware, etc. Ask for Tom. Call anytime, 301654-8678 (Reg. 883).

BUYING VINYL RECORDS from 1950 to 1990 JAZZ, ROCK, BLUES, R&B, DISCO, SOUL, REGGAE, & GOSPEL, ANY VINYL FORMAT 33 1/3 RPM Albums, small 45 RPM’s & some 78 RPM, Also CD’s, Prefer LARGER COLLECTIONS AT LEAST 100 items, PLEASE CALL JOHN 301-596-6201

LOOKING TO PURCHASE QUALITY BRIC-A-BRAC and smalls. I collect Royal Copenhagen, Herend, Shelley, English bone china cups and saucers and antique Christmas and Halloween decorations. Have recently changed my look a little and developed an interest in Midcentury pottery and glass and Chinese antiques. Need to clean out a house in a hurry? I may be able to help. Please call Susan (301) 785-1129.

BUYING OLD COINS, JEWELRY, gold, silver, old toys, older baseball cards and memorabilia, comic books, older Xmas and Halloween decorations, military, firearms, books, Antique Asian items, call Tom 240-476-3441. Thank you.

The Beacon prints classified advertising under the following headings: Business & Employment Opportunities; Caregivers; Computer Services; Entertainment; For Sale; For Sale/Rent: Real Estate; Free; Health; Home/ Handyman Services; Miscellaneous; Obituaries; Personals; Personal Services; Vacation Opportunities; and Wanted. For submission guidelines and deadlines, see the box on page 47.

CAVEAT EMPTOR!

The Beacon does not knowingly accept obscene, offensive, harmful, or fraudulent advertising. However, we do not investigate any advertisers or their products and cannot accept responsibility for the integrity of either. Respondents to classified advertising should always use caution and their best judgment.

EMPLOYMENT & REAL ESTATE ADS:

We will not knowingly or intentionally accept advertising in violation of federal, state, and local laws prohibiting discrimination based on race, color, national origin, sex, familial status or handicap in connection with employment or the sale or rental of real estate.

Q&B TRANSPORT LLC. Local and dependable transporter for your expediting, moving and hauling needs in the DMV area please contact Robert Boykin (owner) 202-341-0924

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STROKE AND CARDIOVASCULAR DISEASE are leading causes of death, according to the American Heart Association. Screenings can provide peace of mind or early detection! Contact Life Line Screening to schedule your screening. Special offer - 5 screenings for just $149. Call 1-844-485-7035.

SAFE STEP. North America’s #1 Walk-In Tub. Comprehensive lifetime warranty. Top-of-theline installation and service. Now featuring our FREE shower package and $1600 Off for a limited time! Call today! Financing available. Call Safe Step 1-866-478-2363.

CONTINENTAL MOVERS. Local long distance moving services. 25 years in the business. $90 x two men plus driving time applied. Free boxes included. 202-438-1489 / 301-340-0602. Cmora53607@msn.com. www.continentalmovers.net

DON’T LET THE STAIRS LIMIT YOUR MOBILITY! Discover the ideal solution for anyone who struggles on the stairs, is concerned about a fall or wants to regain access to their entire home. Call AmeriGlide today! 1-866-365-5170.

NEW LOOK SYSTEMS. CUSTOM PAINTING & RESTORATION. DECK REPAIRS, POWER WASHING & COATINGS. WOOD ROT - FLASHING - PVC TRIM. REPLACEMENT WINDOWS, DOORS & SIDING. SMALL JOBS - FIXTURESHOME REPAIR. ALL WORK PERFORMED BY OWNER. CALL: TIM @ 301-676-5535. EMAIL: newlooksystems@yahoo.com. MHIC:41207INSURED - OWNER OPERATED.

THE BATHROOM OF YOUR DREAMS for as little as $149/month! BCI Bath & Shower. Many options available. Quality materials & professional installation. Senior & Military Discounts Available. Limited Time Offer - FREE virtual in-home consultation now and SAVE 15%! Call Today! 1-855-653-0087.

EXPERTISE CLEANING SERVICES, LLC

offers our customers exceptional home and commercial cleanings at affordable prices. We specialize in cleaning windows, baseboards, all flooring and carpet, kitchens, bathrooms as well as every other room in your home or retail space. We also do clean outs and organizing. Our experienced cleaners are CIMS-GS certified & are educated in the chemistry of cleaning and the mixture of chemicals. We are available to meet all your cleaning needs. Call us for a free estimate at #301- 781-9200. (Service Areas- MD, VA, DE, PA)

AMERICAN RESIDENTIAL HEATING & COOLING. As temps outside start to climb, the season for savings is now. $49 cooling or heating system tune up. Save up to $2000 on a new heating and cooling system (restrictions apply.)

FREE estimates. Many payment options available. Licensed and insured professionals. Call today 1-877-691-0273.

EFFORTLESSLY DOWNSIZE OR LIQUI-

DATE YOUR ESTATE! Turn your clutter into cash today! Our easy process helps you decide what to keep, gift, sell, donate, or discard. Services include: estate liquidation, downsizing, clean-outs, emptying storage units, junk removal, and estate sales. We buy estates, vehicles, and real estate. Contact Philip at 301-2193600 or visit DownsizingSpecialists.com. Free estimates. Licensed. Insured. Family owned. REMODELING BY NEW LOOK SYSTEMS. Carpentry - painting - drywall - insulation tile - bathrooms & kitchens - flooring. Deck restoration - exterior painting. Complete home repair / handyman service. Call: (301)676 - 5535 or newlooksystems@yahoo.com. ***All work performed by owner*** ***Calls answered same day*** Owner operated - MHIC:41207 insured. *Serving northern Montgomery County* SLOWING DOWN AFTER 41 YEARS OF CONTRACTING. Small to medium jobs mainly residential but will do some commercial. Will work all over DC area. $45.00 from arrival on job. Andy 703-906-5429.

APPLYING FOR SOCIAL SECURITY DISABILITY or Appealing a Denied Claim?

Call Bill Gordon & Assoc. Our case managers simplify the process & work hard to help with your case. Call 1-866-970-0779 FREE Consultation. Local Attorneys Nationwide [Mail: 2420 N St NW, Washington DC. Office: Broward Co. FL (TX/NM Bar.)]

DO YOU OR SOMEONE YOU KNOW PAY TOO MUCH FOR MEDICATIONS? Cleo’s Meds-Care can assist you to lower theses cost to $0.00. Call 703-594-6345 for a No cost/No obligation 3 question meds review to start you on the way to lowering cost of meds. Call now. SWITCH AND SAVE UP TO $250/YEAR on your talk, text and data. No contract and no hidden fees. Unlimited talk and text with flexible data plans. Premium nationwide coverage. 100% U.S. based customer service. For more information, call 1-833-742-1303.

RESUME & COVER LETTER WRITING. Translation & virtual interpretation FrenchEnglish. Proofreading. Designing Job description, HR tools. Tutoring in French for students thru Google Meet. Contact consultingdiversifiedllc@gmail.com

HOUSE CLEANING SERVICE - good references, experience and reliable. AFORABLE RATES. Call 2405937829

ENCHANTING, ATTRACTIVE LADY, AGE 60’S - Seeking sincere, attractive single Gentleman for companionship, Autumn outings. Call Mandy (240) 305-8407, please leave voice message.

DIRECTV SPORTS PACK - 3 MONTHS ON US! Watch pro and college sports LIVE. Plus over 40 regional and specialty networks included. NFL, College Football, MLB, NBA, NHL, Golf and more. Some restrictions apply. Call DIRECTV 1-888-572-4953.

SWITCH TO DISH and get up to a $300 gift card! Plus get the Multisport pack included for a limited time! Hurry, call for details: 1-844-5605837.

Funeral

HOW TO PLACE A CLASSIFIED AD

All classified ads must be submitted and paid for online, via our website, www.thebeaconnewspapers.com/classifieds

Deadlines and Payments: To appear in the next issue, your ad text and payment must be entered by the 5th of the preceding month (for Baltimore and Howard County editions); by the 20th (for Washington edition).

Cost will be based on the number of characters and spaces in your ad:

• $25 for 1-250 • $35 for 251-500. • $50 for 501-750 (maximum length). The website will calculate this amount for you.

Note: Maryland contractors must provide a valid MHIC number.

• Each real estate listing qualifies as one ad. • All ads are subject to publisher’s discretion. Payment will be refunded if unacceptable for any reason.

Legal Services

Medical/Health

Greenspring/Erickson

Harmony Chantilly

Harmony Spring Hill

Heatherwood

Homecrest House

Knollwood

Memory Care