November 2022 | Howard County Beacon

Howard County

More than half his life at the Post

By Margaret Foster

John Kelly, the intrepid writer of a daily column for the Washington Post for almost two decades, can’t quite believe he’s turning 60 this year. After all, he plays in a rock ‘n’ roll band and works as hard as ever.

“I remember when I first started at the Post when I was 26, seeing the grizzled old newsroom people and thinking, ‘Oh man they’re just so out of it.’

“And now, I am one of those people! I see both sides now,” Kelly said with a chuckle.

[Kelly will be the keynote speaker at the 23rd annual Beacon 50+Expos, returning to in-person events after two years of virtual programs.]

His daily column, called “John Kelly’s Washington,” has been one of the Post’s most enduring features, having been around in some form since 1947, when Bill Gold started writing “The District Line.” Gold passed the baton to Bob Levey in 1981, and in 2004 Kelly took it over from Levey (who now writes a monthly column for Washington edition of the Beacon).

D.C. native; Air Force brat

Kelly was born in Washington, D.C., to parents who were both Washingtonians. (He’s a descendant of Col. Jehiel Brooks of the Brookland neighborhood in Northeast).

But because Kelly’s father was in the U.S. Air Force, the family moved often, living all over the world — from Japan to England and eventually to Maryland.

“It was nice to see a lot of the country and a lot of the world,” Kelly said, admitting that frequent moves aren’t always ideal for children. “It does make you resilient in a way. When it works out best, you are curious about the world because you’ve seen a little bit of it.”

Kelly attended the University of Maryland in College Park, receiving a B.A. in

For the past 18 years, John Kelly has written a beloved Washington Post column Monday to Friday, following in the footsteps of Bob Levey and others before him. “I can’t imagine doing anything else,” Kelly said. He will be the keynote speaker at the Beacon’s two 50+Expos in late October.

English. His first job (other than restaurant gigs as a busboy and dishwasher) was a three-year stint as an editorial assistant at an association for association executives.

In his free time, the scrappy young writer published freelance articles in local publications, including the Post. When a temporary position as deputy editor of the Weekend section opened at the Post, his editor offered the job to Kelly.

“They knew me from my writing, and

they said, ‘We need to fill a slot for nine months, and at the end of that you’ll be gone, but would you like it?’”

Kelly said yes, and the rest is “right place, right time” history.

After the nine-month stint was over, Kelly was invited to stay at the Post, where he has worked for 33 years. He was top editor in the Weekend section for nearly 10 years before

LEISURE & TRAVEL

Travel guru Rick Steves tells us what to see, eat and drink in southern Spain; plus, learn why Charleston, South Carolina is a travel hotspot

ARTS & STYLE

Ghost: The Musical, running at Toby’s through Nov. 6, puts a comedic spin on the 1990 film

27

FITNESS & HEALTH 4

What we know about Long Covid k Foods to help you sleep better

& MONEY

Don’t panic in a down market

New rules for college savings

Legislating drug prices

Those of us on Medicare may feel like rejoicing at the recent passage of the Inflation Reduction Act, which, among many other provisions, took some unprecedented steps to reduce Medicare’s drug costs as well as costs for the 50 million people who purchase optional Medicare Part D prescription drug insurance.

While I can’t cover all the provisions in this column, here is a summary of some of the more significant ones:

Next year, holders of Part D insurance won’t pay anything towards the cost of recommended vaccines, and those who need insulin won’t pay more than $35 per month for it. Furthermore, drug manufacturers that raise their prices more than the rate of inflation will have to rebate the difference to the government.

to negotiate with drug manufacturers the price of 10 of the most costly medications it covers. By 2029, 20 drugs will be subject to negotiation.

Some of these changes will directly result in less money earned by drug manufacturers, which is, of course, the point of the legislation. Drug prices have risen so much faster than inflation for so long, Congress finally decided to crack down on the pharmaceutical industry’s perceived excesses.

in order to front-load profits before the negotiations start.

Something else I seldom see mentioned in the glowing descriptions of these new benefits is that some of the “cost savings” of the legislation are the result of shifting responsibility for payment from Medicare enrollees to taxpayers generally.

For example, making vaccines “free” for those with Part D insurance doesn’t mean vaccine makers and providers won’t get paid. It just makes Medicare responsible for the full cost. The Congressional Budget Office (CBO) estimates this one change will increase federal spending for vaccines by $7 billion over the next 10 years.

Drug program was first authorized by Congress in 2006, the carrot that got the major drug manufacturers on board was a provision forbidding Medicare from using its huge clout to negotiate drug prices.

Instead, individual insurance companies and their much smaller pools of customers would do the negotiating, resulting in higher drug prices than would have been the case had Medicare as a whole been able to negotiate.

We know that to be true because Medicaid and the Veterans Administration are allowed to negotiate drug prices, and they are lower than what Medicare pays.

By Stuart P. Rosenthal

But there remain ways in which drug companies and Part D insurance plans will be able to compensate for their lower expected future revenue.

Starting in 2024, premiums for Part D plans will not be allowed to rise more than 6% a year.

The following year, total out-of-pocket drug costs for a person with a Part D plan will be capped at $2,000. (Today, there is no cap at all.)

And in 2026, Medicare will be required

For one thing, manufacturers could significantly raise drug prices and Part D plan insurers might well raise premiums in the years before these limits are phased in. Plans could also refuse to cover certain brand name drugs entirely, requiring wider use of generics.

Also, the prices that drug companies set for newly created and approved drugs (that is, the expensive ones that will probably be chosen for negotiation) might well start out higher than they otherwise would

Similarly, capping the cost of insulin at $35 per month doesn’t mean manufacturers can’t charge more; only that the patients who need it won’t be paying the full price. The CBO estimates this provision will raise federal spending more than $5 billion over the next 10 years.

So, thank you, taxpayers. Not only does Medicare already draw on general tax revenues for about half its total annual cost (see my July column), but some of these nice new drug benefits will also be paid for by them (us).

Overall, it is true, the package of changes is expected to save Medicare and the government significant amounts of money over time (compared to what costs might be without them).

But probably the most important change is Medicare’s new power to negotiate at least a few drug prices going forward.

When Medicare’s Part D Prescription

Interestingly, Medicare controls its costs for doctor and hospital expenses in a different way: by regulating exactly how much they can charge for thousands of different services based on a complex analysis of factors (including local costs of living).

By telling doctors and hospitals that, if they want to treat Medicare patients, they have to accept Medicare’s reimbursement rates, healthcare practitioners are ostensibly given a choice. But it’s an all-or-nothing choice (for the most part).

All of which proves there is strength in numbers: in this case, the strength to set prices without even bothering to negotiate!

One hopes the pharmaceutical industry has gotten the message and now understands that the camel’s nose is under the tent. Well, at least it’s supposed to be — in 2026.

Letters to the editor

The Beacon is a monthly newspaper dedicated to inform, serve, and entertain the citizens of the Greater Baltimore area, and is privately owned. Other editions serve Howard County, Md and Greater Washington, DC.

are available via third-class mail ($12), prepaid with order. Maryland residents add 6 percent for sales tax. Send subscription order to the office listed below.

of advertising contained herein does not necessarily constitute endorsement. Signed col umns represent the opinions of the writers, and not necessarily the opinion of the publisher.

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

Dear Editor:

The Aging in Place Tax Credit was enacted by the Maryland General Assembly in 2017 to encourage seniors to stay in their longtime homes by providing a 20% credit on up to $500,000 of assessed property value.

In October, the Howard County Council passed a bill to expand the Aging in Place Tax Credit. It’s a big deal for seniors who already receive the credit and those who will now be eligible. Our amendment expanded the bill, sponsored by Deb Jung, to 4,000 new senior households in the county.

For more information about the tax credit, call the county’s office of finance at (410) 313-4076.

David Yungmann

Howard County Council – District 5 Dear Editor:

Listening to the radio today, I heard Rick Edelman say 18% of Congress are doing insider trading. Congresspersons and their spouses are banned from owning and trading individual stocks, bonds, commodities, futures and other securities.

In January, Sen. Joshua Hawley (R.Mo.), introduced the Banning Insider Trading in Congress Act, which would prohibit members of Congress and their spouses from trading individual stocks and require members found in violation to return their profits to the American people.

If we had members of the press who were allowed to pursue the facts and pass this information to the public, we could learn the truth about those wanting to be elected, instead of voters being subjected to many unproven scandals within a few months before an election.

Barbara G. Green Elkridge, MD

[Ed. Response: Thank you for raising this important issue. Actually, however, U.S. lawmakers are not currently banned from investing in any company, including those that could be affected by their work in Congress.

That’s why there is currently a bill in the Senate to restrict the purchase and sale of

Health Fitness &

Health Fitness &

NIGHTY NIGHT

Move over, warm milk. Foods like hummus and yogurt can also aid sleep

SPECIAL FLU SHOTS

People over age 65 should get a highdose flu shot. Learn about options

VEGETARIAN RECIPES

Make a healthy “zoodle” salad with zucchini and veggie chorizo with nuts

HEARTBURN HELP

OTC remedies (as well as diet changes) can ease chronic heartburn

Older adults more likely to get Long Covid

By Erica Spatz

In June 2020, shortly after the start of the pandemic, people recovering from infection with COVID-19, especially young women, began to call attention to a range of debilitating symptoms that lingered well

past the acute viral illness.

They described symptoms such as cognitive slowness and inability to concentrate (often referred to as “brain fog”), fatigue, shortness of breath, lightheadedness and tachycardia (a heart rate of more than 100

beats per minute). Some people reported muscle pains and tremors.

The symptoms puzzled medical professionals, as diagnostic tests came back normal, which is often a perfect recipe for being dismissed by the health system.

HOWARD COUNTY BOARD OF ELECTIONS

The first choice you will make this elec on is which day to vote!

Maryland voters can vote in-person BEFORE Elec on Day at Early Vo ng!

Early Vo ng will be held from Thursday, October 27, 2022, through Thursday, November 3, 2022 (including Saturday and Sunday), from 7:00 AM un l 8:00 PM daily.

Since then, however, many more people have reported prolonged symptoms, now called Long Covid, including Olympic athletes. According to the Centers for Disease Control and Prevention (CDC), nearly one in five people infected with Covid suffer from symptoms that persist beyond four weeks.

The mysterious nature of the symptoms may best be described as a post-infectious syndrome, often seen after other viral illnesses like Epstein-Barr virus or the bacterial infection of Lyme disease. It also has been likened to chronic fatigue syndrome. The symptoms may be a sign of an abnormal immune response or a new biological mechanism potentially “turned on” by Covid.

Certainly, there are different variants of Long Covid, which can make it difficult to differentiate from other types of illness.

Effect on older adults

Perhaps surprisingly, research shows that it is older adults who are most at-risk for developing Long Covid. The same symptoms first reported by younger adults are also common in older adults but are sometimes not immediately identified.

Early Vo ng will be held at the following five loca ons:

St. John Bap st Church

9055 Tamar Drive

Columbia, MD 21045

The Bain Center

5470 Ruth Keeton Way Columbia, MD 21044

Meadowbrook

Athle c Complex

5001 Meadowbrook Lane

Ellico City, MD 21043

Gary J. Arthur

Community Center

2400 State Route 97

Cooksville, MD 21723

North Laurel Community Center

9411 Whiskey Bo om Road Laurel, MD 20723

Please Note: If you vote during early vo ng, you cannot vote on Elec on Day (November 8, 2022), or by mail-in ballot. If you have requested a mail-in ballot and choose to not vote that ballot and come to in-person vo ng, you will vote a provisional ballot.

Older adults may assume it takes longer to recover and not seek treatment, or the symptoms may be attributed to another medical condition. This is not necessarily a misdiagnosis.

In fact, several studies show that there is an increased risk for hospitalization following Covid due to conditions such as heart attacks, blood clots, strokes and lung infections.

The risk of developing an acute illness following Covid is associated with the severity of the acute illness from having Covid, according to two studies. That is, older people who were critically ill and hospitalized had higher rates of needing hospitalization in the following year.

Still, for many older adults, especially those with relatively mild Covid infections symptoms can linger, impacting quality of life and vitality.

Scientists are finding some explanations for these symptoms, although they are not always detected with routine testing.

In some cases, there is dysregulation of the metabolic system that feeds oxygen to muscles in the body, resulting in extreme fatigue, poor exercise tolerance and ex-

Five foods to eat to improve your sleep

By Betty Gold, Ananda Eidelstein and Samantha Cassetty

Shortchanging your sleep makes you feel pretty crummy (as you likely know!), but the impact is even worse than you may think.

Poor sleep can weaken your immune system, leaving you more susceptible to viruses. It also ups your risk of injury during intense workouts, and it can alter your appetite-regulating hormones, making you feel hungrier while simultaneously intensifying cravings.

Sleep deprivation is no joke, yet according to the CDC, up to one-third of Americans fail to get the recommended seven to nine hours of sleep each night.

Did you know you can set yourself up for a better night’s rest by adopting healthy pre-bedtime eating habits and consuming foods (and drinks) that promote and improve sleep?

You may have already heard that drinking milk or chamomile tea can help you sleep, and both hold true: Milk contains melatonin, the natural sleep-regulating hormone, while chamomile tea is packed with antioxidants that boost relaxation and improve sleep quality.

But other foods have a similar positive effect on shut-eye. Here are five more foods that can help you sleep

better, according to science and nutritionists:

Leafy greens

“Adding magnesium-rich foods to your plate can clearly help to improve sleep, especially in individuals who suffer from middle-of-the-night insomnia, where they wake up and are unable to fall back asleep,” said Erin Palinski-Wade, RD.

“Research has found that a diet lacking in magnesium may make it more difficult to fall back asleep.”

To make sure you’re meeting your magnesium needs each day, add leafy greens — in addition to legumes, nuts and seeds — to your plate, along with a variety of whole grains.

Chickpeas

Digging into that hummus never sounded so good. This legume is a plantbased source of tryptophan, the amino acid also found in turkey, which can increase the production of melatonin.

Oats

In a study that looked at the sleep differences among followers of several diets participants experienced fewer sleep disturbances on the high-carbohydrate diet compared to any of the others.

(That’s right, carb lovers!)

Oats are a healthy whole-grain source of carbohydrates, as well as a good source of magnesium.

Yogurt

If you’re not already paying attention to your gut health, here’s another reason to start: Your microbiome, which is the collection of trillions of bugs in your gut, is connected to your sleep patterns.

An increasing amount of research points to the fact that your microbiome is involved in regulating your sleep rhythms and quality, in addition to affecting things like mood and stress levels. In fact, the species of bacteria in your gut likely adhere to a circadian

Ongoing

LIBRARY WALKS

rhythm much like we do!

Citrus fruits

High stress levels can make it difficult to fall asleep and stay asleep.

“In addition to adding regular exercise to your day and practicing deep breathing to offset stress, eating foods rich in vitamin C and omega-3 fatty acids can help to reduce circulating stress hormones in the body,” said Palinski-Wade.

Good sources of vitamin C include oranges, grapefruits, lemons and limes. Strawberries, kiwis and legumes are also packed with vitamin C.

© 2022 Meredith Corporation. Distributed by Tribune Content Agency, LLC.

Housing Communities

What flu vaccine should older adults get?

By Jim Miller

Dear Savvy Senior, I just turned 65 and would like to learn more about the stronger flu shots I see advertised for older adults. What can you tell me about them and how are they covered by Medicare?

—Senior Novice

Long Covid

From page 4

haustion following any type of mental or physical exertion.

In other cases, the lining of the blood vessels known as the endothelial layer, which regulates the diameter of the blood vessels, responds abnormally to molecular signals, triggering spasm of the blood ves-

Dear Novice,

There are actually three different types of senior-specific flu shots (you only need one) that the CDC is now recommending to people age 65 and older.

These FDA-approved annual vaccines are designed to offer extra protection beyond what a standard flu shot provides, which is important for older adults who have weaker

immune defenses and have a greater risk of developing dangerous flu complications.

High-Dose Quadrivalent: Approved for U.S. use in 2009, the Fluzone High-Dose is a high-potency vaccine that contains four times the amount of antigen as a regular flu shot does, which creates a stronger immune response for better protection. According to a study published in the New

England Journal of Medicine, this vaccine was proven 24% more effective than the regular dose shot at preventing flu in seniors.

Fluad Quadrivalent: First available in the U.S. in 2016, this adjuvanted vaccine contains an added ingredient called adjuvant MF59 that also helps create a stronger

sel that causes chest discomfort and shortness of breath.

There is another syndrome known as Postural Orthostatic Tachycardia Syndrome (or POTS), in which the body is in a dehydrated state and tries to compensate by increasing the heart rate, resulting in extreme lightheadedness and tachycardia when standing for prolonged periods.

Underlying this dysregulation may be

Do

altered immune responses following infection with Covid, but research is ongoing.

Baseline health matters; vaccine helps

What does this mean for older people?

One of the lessons from the pandemic is that baseline health matters. People with obesity, hypertension and diabetes were most at risk for severe illness and death.

With vaccines, severe illness is less common, but still possible. Eating healthily, getting daily physical activity, keeping a healthy weight, and taking medication to control conditions like hypertension and diabetes are essential.

Vaccination lessens the risk of severe illness from Covid and is a mainstay of keeping healthy. Also new data shows that vaccinated people may be less likely to develop Long Covid.

Communicate with your doctor

A second lesson is the importance of communication and connection. Although this mostly refers to social engagement among family and friends, it is also true for clinicians and patients.

The doctor-patient relationship is ever more important with unexplained symptoms or medical illnesses. Although the world is more alert to Long Covid, many patients continue to be dismissed by the medical system when tests turn up normal. This needs to change, and older adults have an important role to play.

painless 30-minute screening at Maryland Vascular Specialists can detect:

Older adults are more likely to have a trusted healthcare provider and may be more comfortable and experienced with ensuring their needs are met.

The patient narrative is of greatest importance and raising attention to persisting symptoms is necessary to drive the science forward, even if doctors don’t have all the answers.

A mainstay of treatment is physical therapy, which can have enormous impact for older adults — increasing strength, balance and exercise tolerance, and potentially improving mental health.

Artery Disease — build-up of arterial plaque that can lead to infection, ulcers, and amputation

severe cases

The pandemic has already halted the lives of so many older adults, disrupting retirement plans, travel and connection with family and friends. The symptoms of Long Covid can further exacerbate this disconnection.

It is time to bring attention to Long Covid in older adults and develop tailored recovery programs that are aimed to improve total well-being.

Erica Spatz, MD, MHS, is an associate professor of Cardiovascular Medicine and Epidemiology, a clinical investigator at the Center for Outcomes Research and Evaluation, and directs the Preventive Cardiovascular Health Program at the Yale School of Medicine. She is a Principal Investigator of a CDC-funded study on Long Covid.

This article first appeared in the Sept.Oct. issue of Generations Today, the bimonthly publication of the American Society on Aging, at asaging.org.

Recipes for raw vegan meals and snacks

By Erica and Maleah Stephens

The raw food diet traces back to the late 1800s, when Maximilian Bircher-Benner, a doctor, discovered he could cure his own jaundice by eating raw apples. Thus began a series of experiments testing the effects of raw food on human health, and the diet has continued to evolve.

We here at Bereisheet have also discovered many of its qualities, from less prepping and cooking time, to more adventure in the kitchen.

Preparing food in a raw form also benefits your body with all the nutrients that it needs to sustain a very healthy body. The beauty of your skin as it assimilates raw ingredients is breathtaking, and mental clarity follows.

Raw meals have many exciting new flavors, and we hope that you enjoy them.

Pad Thai Zoodle Salad

Ingredients:

2 zucchinis

2 cups thinly sliced Bok choy

½ yellow and red bell peppers (sliced into strips)

4 scallions (diced)

½ cup fresh cilantro (chopped)

1 lime (juiced)

1 tablespoon raw olive oil

¼ teaspoon sea salt

¾ cup raw crushed almonds or cashews

Directions:

First, prepare your zucchinis. Using a vegetable peeler, peel each entire zucchini into thin strips. If you have a spiralizer or a large grater, you can also use those for a similar effect.

Combine the zucchini strips, Bok choy, bell pepper strips, scallions and cilantro in a large bowl. Combine the lime juice and oil. Sprinkle vegetables with sea salt, and gently toss everything together to combine well. Top with chopped or crushed nuts.

Vegan Chorizo

Ingredients:

1 cup pecans

1 cup pumpkin seeds

2 tablespoons chili paste

¼ cup olive oil

¼ teaspoon cumin

2 teaspoons oregano

2 teaspoons chili powder

½ teaspoon sea salt

¼ teaspoon cloves, ground

½ teaspoon black pepper

Directions:

Place the pecans and pumpkin seeds in a food processor, and pulse until the nuts and seeds become crumbly.

Transfer them to a bowl and then add the chili paste, olive oil, cumin, oregano, chili powder, sea salt cloves and black pepper. Mix well until everything is well incorporated.

Serve with rice and beans or use in tacos.

These recipes were excerpted from the book Bereisheet 129 Vegan Plant Based Cuisines, Volume 2. Reprinted with permission of Bereisheet 129 Vegan Plant-Based Cuisine and Catering, based in Phoenix, Arizona.

To order a copy of the book, see bit.ly/rawveganbook. For more information, visit bereisheet129.com or email bereisheet129@gmail.com.

Flu shot choices

immune response. In a 2013 observational study, Fluad was found to be 51% more effective in preventing flu-related hospitalizations for older patients than a standard flu shot.

Be aware that both the Fluzone HighDose 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.

And neither vaccine is recommended for seniors who are allergic to chicken eggs, or those who have had a severe reaction to a flu vaccine in the past.

Also note that the CDC does not recommend one vaccine over the other.

FluBlok Quadrivalent : For older adults that are allergic to eggs, FluBlok — which is a recombinant vaccine that does not use chicken eggs in their manufacturing process — is your best option. This vaccine is proven to be 30% more effective than a standard-dose influenza vaccine in preventing flu in people age 50 and older.

All of these vaccines are fully covered by Medicare Part B as long as your doctor, health clinic or pharmacy agrees not to charge you more than Medicare pays them.

Pneumonia vaccines

Another important vaccination the CDC recommends to seniors, especially this

time of year, are the pneumococcal vaccines for pneumonia.

Around 1.5 million Americans visit medical emergency departments each year because of pneumonia, and about 50,000 people die from it.

The CDC recently updated their recommendations for the pneumococcal vaccine and now recommend that everyone 65 and older who has not previously received any pneumococcal vaccine should get either PCV20 (Prevnar 20) or PCV15 (Vaxneuvance). If PCV15 is used, this should be followed by a dose of PPSV23 (Pneumovax23) at least one year later.

Or, if you’ve previously received a PPSV23 shot, you should get one dose of PCV15 or PCV20 at least one year later.

Medicare Part B also covers two different pneumococcal shots — the first shot at any time and a different, second shot if it’s given at least one year after the first shot.

Covid booster

If you haven’t already done so, you should also get a COVID-19 booster shot this fall. Both Moderna and Pfizer have developed new bivalent booster vaccines that add an Omicron BA.4/5 component to the old formula, which provides better protection.

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

“I can love my life fully now!”

A cancer survivor finds freedom from the pain of peripheral neuropathy

“I had just beat cancer with chemotherapy, and was feeling so grateful to still be alive, but hearing my doctors tell me that the pain and tingling in my hands and feet were ‘irreversible’ really put a damper on my spirits,” shares David of Sykesville.

After triumphantly getting into remission, David had developed Chemotherapy-Induced Peripheral Neuropathy, or CIPN. Between 30-40% of all cancer patients treated with chemotherapy can develop this condition. While chemotherapy kills cancer cells, it can also cause damage to other parts of the body. The nerves furthest away from the brain are often the first to deteriorate.

“I felt like I was walking on pins and needles. I would lay awake at night, unable to sleep. I figured the burning numbness pain in my hands and feet was just the price I was going to have to pay for being a survivor. I couldn’t even really enjoy being cancer-free.”

David was prescribed Gabapentin to help with the pain, but his regular physicians said in their own words, “there’s no treatment for neuropathy.”

Then David found Patapsco Acupuncture & Integrative Medicine in Sykesville, MD. Dr. Low, the leading acupuncturist, blends the tradition of acupuncture with modern medical solutions to treat peripheral neuropathy.

“Acupuncture has been shown to restore blood flow to damaged areas, which prevents total nerve and sensation loss, and allows nerves to regenerate,” reports Dr. Low. “We also layer in ATP Resonance Bio Therapy TM which is an amazing technology that stimulates and expedites the repair of damaged tissue and nerves, as in the case of peripheral neuropathy.”

David is already seeing amazing improvement in his symptoms.

“I no longer need to park in the handicap spot and I have started a new hobby of fi shing at Piney Run Park! Before, I couldn’t even stand for any length of time. Now I can enjoy my life again. Dr. Low’s treatments have really given me hope.”

The number of treatments needed to reduce the pain of peripheral neuropathy and regenerate nerve growth is different from person to person. Dr. Low and her staff start off each patient with a thorough neurological and vascular evaluation to set a baseline for feeling loss. In about 90% of patients, there is a possibility of recovery.

If you or someone you love is suffering from peripheral neuropathy (of any origin), call (443) 583-0470 to schedule a consultation with Dr. Low and the staff at Patapsco Acupuncture & Integrative Medicine. They are looking forward to helping you love your life fully.

How to get fast, safe relief for heartburn

By Howard LeWine, M.D.

Q: I get heartburn about once or twice a week. What’s the best approach to get fast relief?

A: Heartburn is caused by stomach acid moving up out of the stomach into the lower part of the esophagus. Reducing the overall acidity protects the esophagus from burning or irritation when the stomach contents back up or “reflux.”

The fastest treatment is to neutralize the acid already in the stomach and lower esophagus by taking an antacid. You can usually feel relief within minutes.

There are many varieties of antacids

BEACON

with different active ingredients, such as calcium carbonate, magnesium hydroxide and aluminum carbonate.

Magnesium containing products may cause loose stools, while aluminum may be constipating. That’s why many antacids contain a combination of magnesium and aluminum.

Antacids work quickly, but symptom relief often doesn’t last. If that happens, you could repeat the antacid.

But I would suggest following the antacid with an H2 blocker. H2 blockers work by inhibiting stomach cells from making acid.

There are several different H2 blockers, such as cimetidine (Tagamet), famotidine (Pepcid) and nizatidine (Axid AR). There are generic versions available at quite reasonable prices.

Some H2 blockers are marketed as faster acting. Rather than a swallowed pill, the product containing the H2 blocker might be in liquid form. Or it could be a chewable or effervescent tablet.

For most people, the onset of symptom relief is similar for all of them. But you may find a particular preparation that works best for you.

Ideally you should not take an H2 blocker at the same time you take an antacid. Wait for 30 to 60 minutes. The H2 blocker starts to act within an hour.

Generally, the medicine keeps working for another 10 to 12 hours. So, you might need to take another dose later on.

So PPIs are better suited for people with more frequent heartburn than you have.

Help without drugs

To help prevent acid reflux, five pill-free approaches may significantly reduce both the number and severity of heartburn episodes.

According to research results published last year in JAMA Internal Medicine, they include maintaining a healthy body weight; not smoking; getting 30 minutes daily of moderate-to-vigorous physical activity; limiting coffee, tea and soda to no more than two cups per day; and eating a healthy diet.

Each one of these factors may prevent the inappropriate relaxation of the sphincter muscle between the stomach and the esophagus, helping to keep acid from refluxing up and causing heartburn.

sion

The strongest stomach acid inhibitors are called proton pump inhibitors (PPIs). They start acting the day you take the first pill. But it may be many hours before you get relief. And the maximal benefit might take two to three days.

BEACON BITS

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, visit health.harvard.edu.

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

LEARN TO USE A/V EQUIPMENT

MARYLAND STEM FESTIVAL

The Maryland STEM Festival is a free month-long celebration of science, technology, engineering and mathematics with hundreds of fun, interactive events for kids and their families. This year’s theme is Cybersecurity and Information Technology. Events take place throughout Maryland. For more information and to see the full schedule, visit MarylandSTEMFestival.org.

GRATITUDE YOGA

Take some time to feel gratitude! Come by the Elkridge 50+ Center on Mon., Nov. 21 from 10 to 11 a.m. for this free yoga class with postures and mediation that support opening and grounding.

bring your own yoga mat to 6540 Washington Blvd., Elkridge. Call (410) 313-5192 for more information.

Living Memory Support Nursing Care

Taming natural cell death for longer life

By Laura Ungar

In his basement, 95-year-old Richard Soller zips around a makeshift track encircling boxes full of medals he’s won for

track and field and long-distance running.

Without a hint of breathlessness, he says, “I can put in miles down here.”

Steps away is an expensive leather reclin-

er he bought when he retired from Procter & Gamble with visions of relaxing into old age. He proudly proclaims he’s never used it. He’s been too busy training for competitions, such as the National Senior Games.

Soller has achieved an enviable goal: staying healthy and active in late life.

Growing old is often associated with getting frail and sick. But scientists are trying to change that — and tackle one of humanity’s biggest challenges — through a littleknown but flourishing field of aging research called cellular senescence.

When cells get old

It’s built upon the idea that cells eventually stop dividing and enter a “senescent” state in response to various forms of damage. The body removes most of them.

But others linger like zombies. They aren’t dead. But as the Mayo Clinic’s Nathan LeBrasseur puts it, they can harm nearby cells like moldy fruit corrupting a fruit bowl.

They accumulate in older bodies, which mounting evidence links to an array of age-related conditions such as dementia, cardiovascular disease and osteoporosis.

But scientists wonder: Can the zombie cell buildup be stopped?

“The ability to understand aging — and the potential to intervene in the fundamental biology of aging — is truly the greatest

opportunity we have had, maybe in history, to transform human health,” LeBrasseur said. Extending the span of healthy years impacts “quality of life, public health, socioeconomics, the whole shebang.”

With the number of people 65 or older expected to double globally by 2050, cellular senescence is “a very hot topic,” said Viviana Perez Montes of the National Institutes of Health.

According to an Associated Press analysis of an NIH research database, there have been around 11,500 total projects involving cellular senescence since 1985, and far more in recent years.

About 100 companies, plus academic teams, are exploring drugs to target senescent cells. And research offers clues that people may be able to help tame senescence themselves using the strategy favored by Soller: exercise.

Although no one thinks senescence holds the key to super long life, Tufts University researcher Christopher Wiley hopes for a day when fewer people suffer fates like his late grandfather, who had Alzheimer’s and stared back at him as if he were a stranger.

“I’m not looking for the fountain of youth,” Wiley said. “I’m looking for the fountain of not being sick when I’m older.”

The good side of senescence

Scientists are careful to note that cell senescence can be useful. It likely evolved at least in part to suppress the development of cancer by limiting the capacity of cells to keep dividing.

It happens throughout our lives, triggered by things like DNA damage and the shortening of telomeres — structures that cap and protect the ends of chromosomes.

Senescent cells play a role in wound healing, embryonic development and childbirth. Sill, problems can arise when they build up.

“When we start getting old, the activity of our immune system also gets diminished, so we’re losing the capacity to eliminate them,” Perez said.

Scientists link some disorders to buildups of senescent cells in certain spots. For example, research suggests senescent cells that accumulate in lungs exposed to cigarette smoke may contribute substantially to airway inflammation in Chronic Obstructive Pulmonary Disease (COPD).

The idea that one process could be at the root of numerous diseases is powerful to many scientists.

Drug that may help

Experimental drugs designed to selectively clear senescent cells have been dubbed “senolytics,” and Mayo holds

patents on some. In mice, they’ve been shown to be effective at delaying, preventing or easing several age-related disorders.

Possible benefits for people are just emerging. Dr. James Kirkland, LeBrasseur and colleagues did a pilot study providing initial evidence that patients with a serious lung disease might be helped by pairing a chemotherapy drug with a plant pigment.

Another pilot study found the same combination reduced the burden of senescent cells in the fat tissue of people with diabetic kidney disease.

At least a dozen clinical trials with senolytics are now testing things like whether they can help control Alzheimer’s progression, improve joint health in osteoarthritis, and improve skeletal health.

Some teams are trying to develop “senomorphics” that can suppress detrimental effects of molecules emitted by senescent cells. And a Japanese team has tested a vaccine on mice specific to a protein found in senescent cells, allowing for their targeted elimination.

Scientists say serious work to improve human health could also bring fringe benefits, like reducing skin wrinkling.

“I tell my lab that if we find a drug that clears the bad senescent cells and not the good ones and we cure Parkinson’s disease and Alzheimer’s and osteoporosis and macular degeneration, it would be wonderful,” said Judith Campisi, a biogerontology expert at the Buck Insti-

tute for Research on Aging. “But if we cure wrinkles, we’ll be rich, and I’ll never have to write another grant.”

Amid the buzz, some companies are already marketing dietary supplements as senolytics. But researchers warn they haven’t been shown to work or been proven safe.

Exercise is ‘most promising tool’

Today, LeBrasseur, who directs a center on aging at Mayo, said exercise is “the most promising tool that we have” for good functioning in late life, and its power extends to our cells.

Research suggests it counters the buildup of senescent ones, helping the immune system clear them, and counteracting the molecular damage that can spark the senescence process.

A study LeBrasseur led last year provid-

ed the first evidence in humans that exercise can significantly reduce indicators, found in the bloodstream, of the burden of senescent cells in the body.

After a 12-week aerobics, resistance and balance training program, researchers found that older adults had lowered indicators of senescence and better muscle strength, physical function and reported health.

A recently-published research review collects even more evidence — in animals and humans — for exercise as a senescence-targeting therapy.

While such studies aren’t well known outside scientific circles, many older adults intuitively equate exercise with youthfulness.

Soller said exercise keeps him fit enough to handle what comes his way. “Do as much as you can,” he said. “That should be the goal for anyone to stay healthy.”

Crafts & Fine Arts

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

Perfect Holiday Cookies!

In this unique baking skills workshop, a pastry chef walks you through how to make three delicious holiday cookies -- chocolate peppermint thumbprint cookies, soft pumpkin cookies with brown butter icing and finally, red velvet whoopie pies. This class lasts approximately three hours. Come ready to learn and enjoy the cookies you bake at the end of class. Take home what you bake. Be certain to sign up early as this class fills up quickly.

10 yrs + Classes: 1

RP3525.101 Culinary Craft Workshop Dec 1 10am-1pm Th $79

Journaling: My Favorite Holiday Traditions

Journaling is a great way to capture all of those holiday traditions. Documenting those moments through journaling allows us to pass those memories on to future generations. Join us as we capture holiday memories and celebrate the upcoming season through the art of journaling.

55 yrs + Instructor: Sharon Ricks Classes: 5

RP3572.101 Online Nov 15 11am-noon Tu $59

Dance

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

Dancing for Fun Mixer

Enjoy moving to the music while trying a variety of dance styles. From line dancing to ballroom, swing to Latin, we try them all! This class, which is led by instructor Tom Sellner, gives you the chance to get active and have some fun! No partner necessary.

55 yrs + Classes: 4

RP3513.103 Roger Carter Comm Ctr Nov 30 9:30-10:30am W $45

Nature & Environment

• Info: Robinson Nature Center: 410-313-0400.

Sr. Naturalist Program

Join us at the Robinson Nature Center for our Sr. Naturalist program! Gain a foundation of understanding on a variety of topics through hands-on exploration and demonstrations in a casual, social atmosphere. History Hike: Discover the native cultures, historical settlers of Simpsonville, and individuals that lived on the property where the Nature Center now sits. Enjoy a hike along the property to the Simpsonville mill ruins and a presentation of artifacts by Robinson Nature Center staff. Winter Birding: Search for birds along the nature center’s trails using auditory and visual clues while learning how to recognize the differences between species with Robinson Nature Center staff. Mobility-friendly sessions of programming stay on paved trails.

50 yrs + Robinson Nature Ctr Days: 1

RP4831.104 History Hike Nov 16 3-4:30pm W $12 RP4831.105 Winter Birding Dec 7 3-4:30pm W $12 RP4831.106 Winter Birding Dec 8 3-4:30pm Th $12 (mobility-friendly)

Finding Eagles & Owls: How to Contribute to the Maryland/DC Breeding Bird Atlas

The Maryland/DC Breeding Bird Atlas is a citizen science project mapping the distribution of breeding birds across Maryland and D.C. every 10 square miles. Naturalist Sue Muller gives an overview of the project and shows you how to help collect data as we enter the fourth year of the study in 2023. Eagles and owls are the first birds of the nesting season. If weather permits after the presentation, the group will take a short walk to conduct an owl survey.

55 yrs + Classes: 1 RP3506.104 Gary J Arthur

• Information: Tracy Adkins, 410-313-7279 or tadkins@howardcountymd.gov

Registration: 410-313-7275, www.howardcountymd.gov/rap, or 7120 Oakland Mills Road, Columbia, MD 21046

The Baltimore Hippodrome Theater:

Tina – The Tina Turner Musical

Tina’s voice is undeniable. Her triumph is unlike any other! This uplifting comeback story is like no other about the inspiring journey of the woman who broke barriers and became the Queen of Rock n’ Roll. One of the world’s best artists of all time, Tina Turner has won 12 Grammy Awards and her live shows have been seen by millions with more concert tickets sold than any other solo performer in music history. This musical features many of her songs and is written by Pulitzer Prize-winning playwright Katori Hall.

The Dutch Apple Theater Presents

Saturday Night Fever

Streetwise Brooklyn kid, Tony Manero, lives for Saturday evening and his visit to the local disco, 2001 Odyssey. Wanting to escape his dead-end life through dancing, he meets Stephanie Mangano and the two decide to take part in a dance competition. Saturday Night Fever explores relationships on and off the dance floor with humor, conflict, and unforgettable swagger. Based on the 1977 film, Saturday Night Fever is powered by the chart-breaking hits of the Bee Gees with songs like “Stayin Alive,” “Boogie Shoes,” “Disco Inferno,” and more! Get your tickets today as space is limited. Delicious all-you-can-eat buffet with famous scrumptious desserts included before the performance!

RP4566.10118 yrs +Nov 109am-5pmTh$179

Frederick Fairgrounds:

The Amazing Maryland Christmas Show!

Nothing brings back the holiday spirit quite like this! Come join us for the 39th Annual Holiday Arts and Crafts Show where you discover the joys of shopping at Maryland’s premier event! This dazzling show offers seven buildings to enjoy the works of artists and craftsmen offering fine art, pottery, furniture, jewelry, clothing, wreaths, toys, ornaments and just about anything related to Christmas! Delicious food vendors available onsite.

RP4568.10118 yrs +Nov 189:30am-5pmF$89

RP4569.101All agesNov 19Noon-6pmSa$229

The Kennedy Center: The Nutcracker

Do you love ballet, the holidays, or simply a thrilling performance? Join us as this highly anticipated show makes its way to Washington, D.C. Filled with enchanted toys, mischievous mice and sugar plum fairies, the tale of Clara and her magical Nutcracker Prince has captured the hearts of generations of children and adults. Lunch on your own before the show at the Kennedy Center Café. Masks required inside during performance.

RP4570.101All agesNov 2611am-5:30pmSa$209

OAI Offers Support and Care for Caregivers

A Message from Howard County Executive Calvin Ball

Informal

caregiving is defined in many ways — providing unpaid care and support to older adults, grandparents raising grandchildren, adult children assisting parents, friends caring for friends — the list goes on. Caregiving will ultimately touch all of us at some point in our lives whether we care for someone now or need care ourselves in the future. No matter where you are on your caregiving journey, the Office on Aging and Independence (OAI) Caregiver Support Program can help.

November is National Family Caregivers Month, a time to recognize the vital role of caregivers throughout our community and to call attention to the resources which support them. The Caregiver Support Program staff understands caregivers are often thrust into their new roles without warning and may need to learn how to care for an aging parent or relative. This can include managing the symptoms of a chronic condition, communicating with health care professionals, and handling personal care regimens — all in addition to meeting the needs of their own families and careers.

There are only four kinds of people in the world... those who have been caregivers, those who are currently caregivers, those who will be caregivers, and those who will need caregivers.

— Rosalyn Carter

Maintaining your own health is essential to managing your role as a caregiver. According to the Maryland Commission on Caregiving, research has shown that caregivers have poorer physical health than non-caregivers, with an estimated 17 to 35% of family caregivers perceiving their health as fair to poor. When you’re healthy, calm and focused, you’ll be a better caregiver. “Self-care is crucial to maintaining both physical and mental health,” says Kathy Wehr, OAI’s Caregiver Support Program manager, “That’s why we offer support groups, workshops and access to programs like Trualta® to help family caregivers reduce stress and learn skills to provide care for their loved ones.” Trualta® is an e-learning portal for caregivers which is easy to use, completely private, and accessible 24/7. It’s free for Howard County residents, and once enrolled, caregivers can log on at any time to learn about personal care, safety in the home, caregiver wellness, dementia care, and much more. No app is required; users choose the options that work best for them and can start implementing practical caregiver tips and techniques right away. Professional, printed material is available to supplement the digital platform and the comprehensive learning library can help you prepare and plan for changing needs. Enroll for free at https://hococaregivers.trualta.com/login.

For more information about OAIs Caregiver Support programs, use the QR code or visit www.howardcountymd.gov/caregiver, or contact Kathy Wehr at 410-313-5955 (VOICE/RELAY) or kwehr@howardcountymd.gov.

OnVeterans Day and every day, we are grateful to the more than 20,000 veterans and their families who call Howard County home. I invite you to join me for the eighth annual Veterans Day Parade on Sunday, November 13, to show support for our local heroes and honor all veterans who served to preserve our freedoms. The parade kicks off at 9:30 a.m. from Merriweather Drive and Symphony Woods Road and will end with a ceremony at Vivian C. "Millie" Bailey Neighborhood Square on the Columbia Lakefront at 11 a.m. Named for WWII veteran and local philanthropist Millie Bailey, the 26,000-square-foot park will also serve as home of the Howard County Veterans Monument. At the dedication ceremony in October 2020, Ms. Millie remarked that she would never have dreamed of receiving such incredible recognition. She was truly an inspiration for all, and at age 102, just a few days before the ceremony, she checked skydiving off her bucket list, defying expectations and boldly proving one can break barriers and try new things at any age.

It is my hope that our community will enjoy the park for many years to come and will always remember Ms. Millie’s 50 years of service to Howard County. Though we mourn her passing at the age of 104 in May 2022, we know she will be at this year’s parade in spirit.

In November we honor and remember the service of all Howard County veterans, including Vivian "Millie" Bailey, pictured above with County Executive Calvin Ball. A WWII veteran and community philanthropist, Ms. Bailey passed away on May 1, 2022, at the age of 104.

The MIND Diet: Reduce Your Risk of Alzheimer’s

by: Carmen Roberts, MS, RD, LDN Nutritionist, Howard County Office on Aging and Independence

The

MIND (Mediterranean-DASH Intervention for Neurodegenerative Delay) diet is an eating plan that seems to yield a significant decrease of the risk for Alzheimer’s disease and other forms of dementia. It combines foods from the DASH (Dietary Approaches to Stop Hypertension) diet and the Mediterranean diet to maximize brain health benefits.

The MIND diet involves choosing food from 10 BRAIN-HEALTHFUL FOOD GROUPS, including: green leafy vegetables (collards, turnip greens, spinach, broccoli, romaine and leaf lettuce, and Swiss chard); other vegetables (red, green, and yellow peppers; carrots; cauliflower; green beans; squash; and corn), whole grains (oatmeal, whole-wheat bread, cereal, pasta, crackers, barley, brown or wild rice, popcorn, buckwheat, and quinoa), mixed nuts (almonds, walnuts, and pistachios), beans and legumes (black beans, pinto beans, chickpeas, lentils, and soybeans), poultry (not fried and without the skin), berries (strawberries, blueberries, and raspberries), fish (not fried, including tuna, salmon, mackerel, herring, and sardines), olive oil (should be used as the primary cooking oil), and wine (limited to five ounces per day).

Eating foods from these 10 food groups has been linked to a lower risk of Alzheimer’s disease and better brain health over time. The MIND diet also recommends avoiding or limiting food from five other groups, including red meats, butter and stick margarine, cheese, pastries and sweets, and fried or fast food.

For more information about how the MIND diet can help you reduce your risk of Alzheimer’s disease, contact your primary care provider or a registered dietitian.

OPEN ENROLLMENT

through

7

During open enrollment, Medicare beneficiaries can add, drop or switch plans.  Howard County’s State Health Insurance Program (SHIP) can help you review your Medicare Prescription Drug coverage options. Call 410-313-7392 (VOICE/RELAY) to schedule a remote counseling appointment by phone with a certified SHIP counselor.

November Center Events

DIY Winter Wonderland Decorations

BAIN 50+ CENTER

Fridays, Nov. 4 and 18, Dec. 2 • 9:30 a.m. to noon

Join these creative, holiday crafting sessions. $15 includes three complete projects. Register in advance at 410-313-7213.

Veterans Day Lunch Celebration

EAST COLUMBIA 50+ CENTER

Thursday, November 10 • 11:00 a.m.

The Soundtrack of Our Lives by Hugo Kesing highlights music that reflects how veterans have been depicted from World War I through the war in Afghanistan. Lunch by donation. Register at 410-313-7680.

Saluting Our Veterans

BAIN 50+ CENTER

Thursday, November 10 • 10:00 a.m.

Join us for a continental breakfast with Veteran and Author Tom Glenn as he presents The Fall of Saigon. RSVP in advance to 410-313-7213.

Memoir Writing Workshop (#A05612.100)

ELKRIDGE 50+ CENTER

Tuesdays, November 15 thru December 6 • 9:00 to 11:30 a.m.

Join this workshop for guidance in recalling your adventures. Define the purpose of your memoir, organize the project, then start writing your story! $60/four classes. Register at 410-313-5175 or online.

Maryland Insurance Administration Assistance

ELLICOTT CITY 50+ CENTER

Tuesday, November 15 • 11:00 a.m.

The Maryland Insurance Administration is a state agency that can help you understand rate increases, billing notices, policy cancellations and more. FREE. Register at 410-313-1400.

Brain Health — Ours and Our Loved Ones

NORTH LAUREL 50+ CENTER

Friday, November 18 • 11:00 a.m.

Learn how to keep your brain healthy and what memory changes can be expected with age. Join us as we discuss brain health and the implications for ourselves and those we love. FREE. Sign up at the front desk.

Candlelight Concert and Lunch #A03740.100

GLENWOOD 50+ CENTER

Friday, November 18 • 11:00 a.m.

Join us for lunch accompanied by the Candlelight Concert Society featuring Crosswinds, a Woodwind Trio, and a lunch celebrating all things fall. $15; call 410-313-5440 or register online

Online Shopping Presentation

Money Law &

How to take advantage of a down market

By T. Eric Reich

Nobody likes a down stock market — or do they?

Almost every conversation I have had with clients this year included some amount of fear over where the markets are and where they are headed. The concerns range from losing a few more percentage points (possible) to losing 100% of their money (absurd).

If an investor in a moderate portfolio lost all their money because the stock market went to zero, you would have much bigger things to worry about than your money. There wouldn’t be anything to buy with it anyway.

You’d need to learn farming skills ASAP, because there would be no more stores to buy anything from. The world would have, for all intents and purposes, ended. So clearly this is not a rational fear.

On the other hand, could the market drop to a level we saw before the July/August rally? Sure it could. It could even go a bit lower.

The issue isn’t that the market could go lower at any given point; the issue is, what will it ultimately do? The answer to that question in the past has always been that it moved higher — eventually.

Markets go both up and down, but they have always trended higher. This time and the next 10 after it will ultimately be no different, regardless of the reason they go down.

Statistics offer reassurance

Since 1950, we have seen 11 bear markets (defined as a drop of at least 20% from its most recent high). The average duration of those bear markets was 13 months, and the average drop in the markets was 33%.

By comparison, during that same time period, bull markets have lasted 67 months on average and experienced a total return of +265% (source: Capital Group).

If we know that the bull markets have lasted on average five times longer than

bear markets, and the returns have been eight times greater, then why are we afraid of down markets?

For starters, I think we fear them more because we see them less often. Secondly, bad news gets a lot more coverage than good news.

Investors’ best options

So, what is an investor to do? Here are your choices:

1. Sell. History tells us this is a bad idea when markets are down. Unless you need the money to live on, selling investments when the markets as a whole are down is simply not a good idea, regardless of your level of fear.

2. Ride it out. After the five biggest market declines since 1929, the average annual return for the five years following those major events was +23.1% per year (according to Capital Group). And only two years out of those 25 saw another negative year during those time periods.

3. Buy. You’ve all heard the phrase buy low/sell high, right? Then why are investors so reluctant to do it? If markets are on sale, then go buy them just like you would any other item you need to purchase. Better to buy something on sale than to pay full price for it.

When markets go down — which we know they will because it is a normal function — then look to history to help calm those fears.

A great place to start is to re-evaluate your risk relative to your goals. Most times, if the goal hasn’t changed, then the investments shouldn’t either.

This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial professional, attorney or tax advisor with regard to your individual situation.

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

Steps to take after a loved one passes

By T. Eric Reich

The death of a loved one is obviously a difficult event to endure. It can become allconsuming, often at the expense of other day-to-day matters that need to be addressed.

With the death of a loved one, there are so many phone calls that need to be made and letters that need to be sent. Unfortunately, sometimes we simply get overwhelmed with everything that needs to get handled, and we just stop altogether.

However, it is vital to handle these matters today and not put them off until some date in the future, which usually never comes until it becomes an even bigger problem.

What spouses often forget

When a spouse passes and leaves their assets to the surviving spouse, an all too frequent scenario I see can cause big problems. The mistake many people make is that the surviving spouse often leaves the assets they inherited in their joint names or in their deceased spouse’s name.

As time passes, the surviving spouse’s health may begin to decline as well — I’m not sure if it’s the grief, the new “routine”

in their life, or simply a broken heart.

Regardless, many times that spouse only survives a few years after their deceased spouse. When that happens, and the original spouse’s assets were not retitled, it can become an even more difficult process for the heirs.

A checklist of things to do

Here is a list, in no particular order, of what needs to be done after someone passes to help you during this difficult time:

Contact the funeral home and make arrangements. Don’t forget to consider veterans arrangements, if applicable. Ask them to help you get additional copies of the death certificate. You almost always need more copies than you think. On average, six to 10 copies are needed.

Call your attorney. There are many legal matters that may need to be addressed, and your attorney can tell you which ones apply to you.

Contact Social Security. Your Social Security benefits may change after a spouse’s passing, so you’ll need to notify them as soon as possible.

Review/cancel their health insurance. If your insurance is provided by a former employer, you will need to contact them.

Contact your spouse’s pension company. Depending on the pension plan option originally selected by your spouse, you may be eligible to receive benefit payments.

Notify the life insurance company and file a claim. This is typically a very easy process, so don’t put this one off for later. The sooner you get the funds the better to help you with all of the expenses.

If your spouse was a veteran, contact the Department of Veterans Affairs. Checking with the VA will help you see if there are any benefits payable to you.

Notify all your financial institutions. This includes banks (change account names), credit cards (remove spouse or close accounts), mortgage companies, insurance companies and all other important bills (change into your name only).

Contact your CPA. You will want to discuss all of the issues unique to the particular tax year. This is a great time to retain a CPA if you’ve been doing it yourself. Now is not the time to go it alone.

Contact your financial adviser. You will need to change account titles, file beneficiary paperwork for IRAs, 401k(s), etc.

Retitle any assets. Any assets (real estate, cars, etc.) in your spouse’s name should be retitled to your own name. For cars, you will need to go to your local Department of Motor Vehicles (DMV) with a copy of the death certificate and the title. To transfer real estate, it depends on how the title was held.

Prepare and probate the estate. In New Jersey, for example, if the estate doesn’t qualify for simplified procedures, then the assets have to go through probate, which is handled by a court. The named executor will need to go to the surrogate’s court to request to be formally appointed.

If no one was named in the will or the person named isn’t able/willing to serve, the court will appoint an “administrator.”

The executor/administrator then has to handle the estate assets, any debts/taxes and distributing property. Your CPA or attorney can often help with this whole process.

Grandparents: New rules have improved 529 college savings accounts. See story on page 20.

Letters to

individual stocks in general (the Ban Congressional Stock Trading Act) as well as the bill you mention that focuses on the use of insider information.

To the best of our knowledge, there are no restrictions on members of the press pursuing and reporting the facts. You can find information about these bills — and about those in Congress who appear to trade on their inside knowledge — in reputable publications and news sites.

We encourage readers to contact their senators and representatives to express their opinions on these bills.]

Dear Editor:

I read with much interest your column on music lessons [September 2022]. I am a senior amateur jazz musician who has

been trying to master this music for more than 40 years.

It is not easy, as you indicated in your article. As a saxophonist/flautist, I know the struggles of practicing scales, arpeggios, etudes and jazz standards, but it will pay off.

I have a group of young people who I play jazz with every Wednesday, and I learn more from them than you can imagine.

Hang in there! That is part of the journey, as many of my teachers have told me.

Ronald Zeigler, Ph.D. Director, Nyumburu Cultural Center University of Maryland College Park, MD

Dear Editor:

I read your September article regarding digital coupons. My father is one of those losing money because he doesn’t have smartphone access or knowledge.

I was able to solve his problem by set-

ting his store and loyalty card up on my computer. Every week I go through and select all the digital offers. This way he will get the best price for products. Sometimes he gets cash rewards.

NAVIGATING

Update your own estate plan. If your spouse was your beneficiary, then you’ll need to update all of your accounts, insurance policies, estate documents, etc., in order to reflect your new beneficiaries.

A few things NOT to do

Just as important as all of these items are, it’s equally important to understand the things that you shouldn’t do.

Don’t make big decisions that you are not required to make. You don’t need to decide to keep or sell the house and move away right now. You need time to adjust to your new situation, and snap decisions could be regrettable if they’re made without a “clear head.”

Don’t make major purchases. This is a time when I often see people spend more money than normal. Sometimes it’s due to a lack of focus on finances, and

sometimes it is due to wanting to “live for today.” Either way, now is the time to focus on your finances and not let them get away from you.

Don’t be quick to give away money or “stuff.” Often, I see clients giving away larger gifts to children after a spouse passes, including their own or the deceased spouse’s possessions.

First, you need to fully understand your new financial situation before you can adequately assess whether these gifts make sense. Giving away a spouse’s possessions needs to be well thought out.

If not, family rifts can occur, because your spouse may have had conversations with children regarding certain possessions that you might not be aware of.

It’s important to have a checklist to follow during this difficult time in order to keep a bad situation from becoming worse.

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

I also feel it’s disappointing that manufacturers coupons can’t be combined with store offers.

Linda B. Reich Via email

New rules improve college-savings plans

By Shane W. Cummings

Did you know that Americans owe nearly $1.75 trillion in student loan debt? This staggering number is spread out among 48 million borrowers.

But as a grandparent, you can help your children and grandchildren mitigate this by contributing to a 529 plan. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future education costs.

According to a recent survey by the Col-

lege Savings Plans Network, the average 529 plan balance as of the end of last year was $30,652. But is that an adequate amount?

Most student tuition and housing costs are going to run much higher than that for four years of college ($43,755+/year for a private school and $11,631+/year for state colleges), so many students will need to rely on a combination of savings and financial aid to pay for some or all of those costs.

If you are looking to save money for your grandchildren’s education without hurting their aid eligibility, some recent changes in 529 plans are going to make that easier.

Simplified application process

Good news: The government is working to streamline the Free Application for Federal Student Aid (FAFSA) application process, as part of a bill that was signed into law in December 2021. We can expect to see a new streamlined FAFSA form sometime this month. Some changes went into effect for the 2021-22 award year, while other changes won’t be completely implemented until the 2024-25 award year.

529 will not affect financial aid

In the near term, there’s a welcome change that grandparents can begin taking advantage of for financial planning purposes.

Under the old FAFSA rules, students were required to report distributions from grandparent-owned 529 savings plans as untaxed student income, which had the potential of reducing a student’s aid eligibility by up to half of the distributed amount from the college savings plan.

Fortunately, with the FAFSA simplification come new rules regarding how grand-

parent 529 assets are treated. The new rules, effective for the 2023-2024 school year, will no longer count distributions from grandparent-owned 529 college savings plans as untaxed student income, and they will not have a detrimental impact on aid eligibility.

But grandparents can take advantage of the new 529 rules now. Why? The FAFSA looks back at the prior two years of a student’s income tax returns.

If you want to retain control over your college savings for one or more grandchildren, you can now do so without having to worry about it hurting their financial aid eligibility. And you can say goodbye to the complexities of planning distributions in future calendar years to avoid potential problems.

Make five years of gifts at once

Another advantage of 529 plans that many people aren’t aware of is that they allow a contributor to “superfund” five years’ worth of tax-free gifts into a single calendar year for a beneficiary.

Normally, you can gift $16,000 per year using the annual gift tax exclusion amount. With a 529 you can gift $80,000 in one year (or $160,000 if married filing jointly) and

How to pick good trustees and executors

By Richard M. Ricciardi Jr.

In preparing estate-planning documents, one of the biggest challenges that people encounter is deciding who to appoint as their trustees, powers of attorney, healthcare surrogates and executors.

Here are some practical tips to help guide you:

1. Give preference to those who have the most time to devote and live nearby.

Lots of my clients have very accomplished children who are successful business owners, professionals or leaders in their trade or occupation.

However, the most successful people might not always be the best choice to carry out your wishes since these individuals sometimes run tighter schedules and have less time to devote to helping you with your affairs than others.

In addition, maybe certain children have more kids and other obligations than others. This is important to take into account.

Additionally, give preference to people who are closer in proximity to you. It is certainly easier for those close by in terms of serving as your power of attorney and healthcare surrogate. However, being nearby can matter less for trustees and executors.

2. Do not make arbitrary designations.

Another mistake I see a lot is selecting an individual based on arbitrary characteristics, for example, when someone appoints a particular child just because they are the oldest. Perhaps there is one son or daughter, and they appoint that person based on gender.

Selecting an agent is very important. There are a lot of factors to consider, but you should not select individuals based on such arbitrary factors.

3. Avoid naming multiple agents, when possible.

A lot of my clients want to make sure none of their children feels left out, so they want to appoint all their children to every position possible. This, more often than

College savings

still avoid gift taxes. However, you can only do this once every five years.

An added benefit for wealthy families is that 529s can remove assets from your estate while allowing you to retain control over them. A 529 savings plan is a great vehicle for accelerating savings and maintaining tax efficiency.

Growth and earnings of assets in these plans are tax-free as long as future cash distributions are used for qualified educational purposes, including such things as tuition, textbooks and computers.

With the new FAFSA changes, it’s a great opportunity for grandparents to revisit their savings plan.

This information does not constitute any legal, tax or accounting advice.

not, leads to deadlock or discord once decisive action is necessary.

For example, I had a client who recently came back to me to change his documents after he had appointed his three children as co-agents and trustees. He realized that such action would lead to great disagreement among them, and as a result, timely action would be difficult. Selecting three “Type A” personalities made it hard for them to agree, as each of them wanted to lead.

Therefore, avoid multiple agents when you can, unless you are sure everything will run smoothly.

4. Pick the best agent for today.

I counsel a fair number of younger clients and clients without children. They always have the most difficulty because the answer as to who will be their agent is certainly not as obvious and can be more complex.

If you are appointing an agent who is

older, maybe that person dies or becomes incapable of acting when you need them. If you appoint a friend, maybe that person isn’t a friend in the future.

I always tell my clients to appoint the best person for today. You can always make changes to agents, trustees and executors in easy fashion.

5. Consider a professional trustee or fiduciary under certain circumstances.

In some situations, appointing a professional or institution as a trustee is the best route to take. If you have one beneficiary whose share of your estate has to be held in trust so they are not getting their inheritance all at once, you should consider the above. Otherwise, discretionary distributions may be left up to family members, and that could create an adversarial relationship between them that might have not previously existed.

Also, if you have substantial wealth or

generational trusts, professionals and institutions are better suited to deal with those issues and manage those types of complex trusts for the beneficiaries. I understand fees for these services can be substantial, but they are worth it under certain circumstances.

The estate planning vehicles themselves are important to have. However, the documents and plan are only as good as the agents you appoint. The agents are the real drivers of whether or not a plan is successful. Therefore, making the right choice is essential.

Use the tips above to help guide you, and certainly speak to a professional estate planning attorney and get their opinion on your specific situation as well.

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

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“To

the

the

Leisure & Travel Leisure &

The top U.S. city to visit: Charleston, S.C.

By Barbara Ruben

From sprawling live oak trees draped in Spanish moss, to horse-drawn carriages clip-clopping over cobblestoned streets, to historic houses in pastel hues, Charleston, South Carolina, transports visitors to another era.

A thriving culinary scene and proximity to pristine beaches helped inspire Travel & Leisure magazine readers to choose it as the top U.S. city to visit for the 10th year in a row in July.

Charleston has antebellum mansions and Civil War sites, as well as so many historic church steeples that the city has been dubbed the Holy City.

More than 1,400 historic buildings spanning the 18th, 19th and 20th centuries have been preserved in its downtown, situated at the edge of the Atlantic Ocean on a peninsula bordered by the Ashley and Cooper Rivers.

The city was named for Britain’s King Charles II, when the first English settlers, along with their slaves, landed on its shore in 1670.

Old homes worth a visit

What’s likely the city’s oldest house dates back to the end of the 17th or beginning of the 18th century. Known as the Pink House,

it’s made of pink-hued Bermuda stone, soft limestone formed primarily of broken shells and coral, and brick.

Pink is echoed in a series of 13 pastelcolored houses near the waterfront called Rainbow Row. The often-photographed rowhouses were constructed from around 1740 to 1784, many with businesses on the first floor and residences above.

While the Rainbow Row houses and the Pink House aren’t open to the public, numerous historic houses welcome visitors, such as the Heyward-Washington House.

Thomas Heyward, Jr. was one of the four South Carolina signers of the Declaration of Independence, and George Washington was a guest at the Georgian-style home, built in 1772. Brick walls in the back of the house enclose a manicured garden.

The Victorian-style Calhoun Mansion, built in 1873, includes more than 30 rooms and a large ballroom. If it looks familiar, you might have seen it in such films as North and South and The Notebook.

More historic houses on plantations outside the city limits are also open for tours. Magnolia Plantation and Gardens is about a 20-minute drive from downtown Charleston. The 500-acre plantation has been in the same family since 1676. Visitors can wander the entire estate or take a nature tram or

boat through a former rice paddy to see plentiful wildlife, from alligators to egrets.

Arched bridges lead the way into the gardens, some of which have existed for more than 325 years. A guided tour of the plantation house focuses on the years between 1870 (when the third incarnation of the house was built after being burnt down by Union soldiers in the Civil War) to 1975 (when it was opened to the public).

Confronting the past

But behind the columned facades of some of Charleston’s grander homes lies a darker past. The Port of Charleston was the largest slave port in the United States in the early 19th century, and before the Civil War nearly half of Charleston’s residents were enslaved.

Magnolia Plantation, for example, enslaved 235 people at one time, but they aren’t more than a footnote during a tour. However, other historic house museums have worked to paint a fuller picture of their pasts.

The Aiken Rhett House in Charleston has changed little in the last 200 years. Both the large yellow corner house flanked by palm trees and its outbuildings, including the original quarters of enslaved people, have been preserved rather than restored, with original floors, paint and fixtures.

An audio tour gives visitors a vivid sense of life 170 years ago, helping contrast the lives of the residents living in the barebones outbuildings to those ensconced in the opulence of the main house.

Similarly, the McLeod Plantation Historic Site, a 37-acre site owned by Charleston County Parks, provides new insights into realities of life in pre-Emancipation Proclamation Charleston.

At McLeod, visitors can learn about the enslaved people on the plantation who picked sea island cotton, a strain with long fibers unique to the Lowcountry of southeast South Carolina.

Also unique to the area were the Gullah Geechee people. Descended from West and Central Africans who were forcibly relocated to the coastal South, they retained many of their indigenous traditions and also created the Gullah language, spoken nowhere else in the world. Many of their cabins on the McLeod plantation have been preserved.

McLeod also offers information about the plantation during the Civil War, when the free Black soldiers of the Massachusetts 55th Volunteer Infantry freed the enslaved people there.

The Civil War itself started in Charleston

The 13 historic houses of Rainbow Row brighten downtown Charleston, South Carolina, near the Battery district. The city is known for its well-preserved buildings, laid-back hospitality and sophisticated restaurants.

PHOTO

© BENITA LE MAHIEU | DREAMSTIME.COM

Rick Steves recalls a trip to Southern Spain. See page 24.

St. Michael’s Church, the oldest church in Charleston, welcomed George Washing-

synagogues

RICK

Cultural treats in small-town Andalucia

By Rick Steves

The American image of Spain is Andalucia: the home of bullfights, flamenco, gazpacho and pristine whitewashed hill towns.

This southern part of the country feels more quintessentially Spanish than perhaps anywhere else. When visiting this area, I always make a point to venture into what’s called the Route of the White Hill Towns (Ruta de los Pueblos Blancos), a charm bracelet of cute villages perched in

of

the sierras.

Arcos de la Frontera makes a good starting point. Arcos is a classic hill town, blanketing its little summit with a mosaic of whitewashed buildings and a tangle of shady lanes.

The labyrinthine old center is a photographer’s bonanza. I can feel the breeze funnel through the narrow streets — so narrow that drivers can only enter the town on one side and leave on the other. If you miss your stop, you need to drive out of town

and circle all the way back to your starting point. The best advice: Park outside the old center and walk.

The entertaining market is my first stop. The pickle woman encourages me to try a banderilla, named for the bangled spear that a matador sticks into the bull. As I gingerly slide an onion off the tiny skewer of pickled olives, onions and carrots, she tells me to eat it all at once — the pickle equivalent of throwing down a shot of vodka. Explosivo! The lady in the adjacent meat stall bursts into laughter at my shock.

Like the pickle section, the meat stall (salchicheria) is an important part of any Spanish market. In Spain, ever since Roman times, December has been the month to slaughter pigs. After the slaughter, they salt and dry every possible bit of meat into various sausages, hams and pork products.

By late spring, that now-salty meat is cured, able to withstand the heat, and hanging in tempting market displays. Ham appreciation is big here. The word to know: jamon. When in Spain, I am a jamon aficionado.

Asking for top-quality ham, I get a plate of jamon iberico. While quite expensive, it’s a worthy investment. Made from acorn-fed pigs with black feet, it actually does taste better, with a bouquet of its own and a sweet aftertaste. I make a point in bars to order a small plate of it with my

wine. It goes just right with full-bodied red wine from the Rioja region.

Spanish life in courtyards, bars

Around town, I like to peek discreetly into private patios. These wonderful, cooltiled courtyards — filled with plants, pools and happy family activities — are typical of the whole region.

I also keep my eyes peeled for ancient columns tucked into building corners. Many are actually Roman, appropriated from their original ancient settlement at the foot of the hill. They were put up to protect buildings from reckless donkey carts (and tourists in rental cars).

I eventually make my way into a cool dark bar filled with very short old guys. Any Spanish man over a certain age spent his growth-spurt years trying to survive the brutal Civil War (1936-39). Those who did, struggled. That generation is a head shorter than Spaniards of the next.

In the bar, the men — side-lit like a Rembrandt portrait — are fixated on the TV, watching the finale of a long series of bullfights. El Cordobés is fighting. His father, also El Cordobés, was the Babe Ruth of bullfighting. El Cordobés uses his dad’s name even though his father sued in an ef-

with the Battle of Fort Sumter in 1861. The fort, located on a small island in Charleston Harbor, was seized by the Confederates who occupied it for most of the war. Fort Sumter is open to visitors but can only be accessed by tour boat. A visitors center is located on the shore in Charleston.

Food and fun in the sun

As much as Charleston is immersed in the past, a thriving food scene helps bring it back to the 21st century.

The popular restaurant High Cotton offers Lowcountry food with ingredients from nearby farms. High prices for its primarily seafood and meat menu, including scallops, shrimp and grits, filet mignon and duck, don’t deter the hordes of tourists who make reservations weeks ahead for this highly-rated restaurant.

Another standout is Lenoir, which was

Spain

From page 24

to stop him.

Marveling at the bar’s cheap list of wines and hard drinks, I order a Cuba Libre for about $2. The drink comes tall and stiff, with a dish of peanuts.

Suddenly the room gasps. I can’t believe the vivid scene on the screen. El Cordobés has been hooked and is flung, doing a cartwheel over the angry bull’s head. The gang roars as El Cordobés lands in a heap and buries his head in his arms as the bull tramples and tries to gore him. The TV replays the scene many times, each time drawing gasps in the bar.

El Cordobés survives and — no surprise — eventually kills the bull. As he makes a victory lap, picking up bouquets tossed by adoring fans, the camera zooms in on the rip

opened in 2021 by chef Vivian Howard, a North Carolina native and star of the PBS show “A Chef’s Life.”

Lenoir’s menu includes cornmeal-dusted catfish served with Carolina caviar, a salsa-like side made with black-eyed peas, black beans, white shoepeg corn and tomatoes. For dessert try the Atlantic beach pie with a saltine crust, lemon custard and honey whipped cream.

While Charleston’s early profusion of azaleas, cherry blossoms and tulips lure tourists from the North still in the grip of freeze warnings in late February and early March, the city is quieter in the fall. The overwhelming heat and humidity of midsummer has melted away, leaving behind warm days and cool nights. October and November are the city’s driest months.

There’s still plenty of time to visit Charleston-area beaches before winter. Folly Beach, located on an island just south of Charleston, has a pier stretching more than 1,000 feet into the ocean, a lighthouse

exposing his hip and a long bloody wound. The men around me will remember and talk about this moment for years to come.

I end my walk at the best restaurant in town, where the proud owner, Maria, tells me about the day’s menu. As she pours my wine, I tell her that the man at the next table looks like El Cordobés. One glance and she says, “El Cordobés is much more handsome.” When I mention his recent drama, she nods and says, “It’s been a difficult year for matadors.”

Rick Steves (ricksteves.com) writes European guidebooks, hosts travel shows on public TV and radio, and organizes tours. This article was adapted from his new book, For the Love of Europe. You can email Rick at rick@ricksteves.com and follow his blog on Facebook.

© 2022 Rick Steves. Distributed by Tribune Content Agency, LLC.

and a park complete with a pelican rookery.

Kiawah Island is 21 miles from downtown Charleston, with 10 miles of beaches facing both east and west so you can catch both the sunrise and sunset on the water. Conde Nast Traveler named it the best island in the U.S. in 2018.

If you go

Ninety-minute nonstop flights from BWI make getting to Charleston relatively easy. Southwest Airlines’ one-way fares for direct flights from BWI start at $93 in late October;

Rather take the train? Amtrak tickets start at $94 each way from Baltimore's Penn Station. If you’d just as soon drive, Charleston is about a nine-hour drive from Baltimore. If you’d just as soon drive, Charleston is about an eight--and-a-half hour drive away.

Hotels in the historic district can be pricey, especially during the busy tourist season in late winter and spring. Many are historic themselves, and are walkable to many of Charleston’s attractions — a perk given the small city’s heavy traffic and

sparse parking options.

Built in 1843 as a private mansion, 20 South Battery has wraparound porches with views of the city’s White Point Gardens and the harbor beyond. Battered during the Civil War, the mansion remained standing and has been renovated with period art and furniture. Rooms start at a hefty $600 a night.

A less expensive but still historic hotel is the Francis Marion Hotel, named for a Revolutionary War hero, open since 1924. Rising 12 stories above the historic district, the hotel offers views of Charleston’s historic mansions and harbor. Rooms start at $254 a night, and AAA and AARP discounts are available.

The contemporary waterfront Hilton Garden Inn, about two miles from the historic district, has views of the Ashley Marina. It has free parking and a restaurant. Rates start at $252 a night. AAA and AARP discounts are available.

Get more information from the Charleston Convention and Visitors Bureau at charlestoncvb.com.

Crafts Spectacular

and loss.

funeral service will be exactly as

family can enjoy peace of mind

choose to pre-fund, the cost is fixed

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Finding companions for older travelers

Dear Savvy Senior,

My son is getting married in the fall and would love for my parents to attend. But they’re both in their 80s with health issues, so they’ll need help getting there. Can you direct me to any travel escort services that can help us?

—Looking for Assistance Dear Looking,

Traveling today can be challenging under the best circumstances, but for seniors with medical problems, physical limitations or dementia, it can be unmanageable.

parents with transportation to and from the airport, manage their luggage, navigate and assist them through the airport, sit next to them on the flight, help them to their hotel and much more.

Some companion services even provide personal care like medication management, dressing, bathing and feeding. And for those with specific medical needs, traveling nurse services are available too.

costs for all parties — can range anywhere from $2,500 to $5,000 or more, depending on the flight transfers and length of the trip.

To locate a travel companion service in your area, search online for “senior travel companion” or “senior travel escort,” followed by your parent’s city or state.

provides registered nurses as escorts.

Of course, if your parents don’t require a lot of assistance, or if you can’t afford a travel escort, consider asking a trusted family member or friend that has some air travel experience to accompany them.

Vet the service first

By Jim Miller

Fortunately, a bevy of companies provide traveling companion/escort services to help older adults with the rigors of travel. A good travel escort can provide your

But be aware that these services aren’t cheap. You will pay for the travel companion’s tickets, hotel room, meals, incidentals and fees for the service.

The price to accompany a client on a plane trip within the United States — including the companion fees and travel

Or use an experienced national service like Flying Companions (FlyingCompanions.com), Travel Helpers (GoTravelHelpers.com) or FirstLight Home Care (FirstLightHomeCare.com), which has a national network of franchises that provide in-home care for seniors and offer travel companion programs in about 80% of their 190 operating territories.

For medical travel companions, search for “traveling nurse escort” or “medical travel companion,” or checkout Travel Care and Logistics (YourFlightNurse.com), which

Copper can stop germs before they spread

Scientists have discovered a natural way to kill germs fast.

Now thousands of people are using it against unwanted viruses and bacteria in the nose and on the skin.

Germs, such as viruses and bacteria, can multiply fast. When unwanted germs get in your nose they can spread and cause misery unless you stop them early.

In the last 20 years, hundreds of studies by government and university scientists show the natural element copper kills germs just by touch.

clared copper to be antimicrobial, which means it kills microbes, including viruses, bacteria, and fungus.

The National Institutes of Health says, “The antimicrobial activity of copper is now well established.”

Ancient Greeks and Egyptians used copper to purify water and heal wounds. They didn’t know about microbes, but now we do.

Scientists say the high conductance of copper disrupts the electrical balance in a microbe cell by touch and destroys it in seconds.

Some hospitals tried copper for touch surfaces like faucets and doorknobs. This cut the spread of MRSA, and other illnesses, by over half and saved lives. inventor Doug Cornell an idea. He made the bottom of his nose.

The next time he felt a tickle in his nose that felt like a cold about to start, he rubbed the copper gently in his nose for 60 seconds.

“The cold never got going,” he exclaimed. “That was September 2012. I use copper in the nose every time and I have not had a single cold since then.”

“We don’t make product health claims,” he said, “so I can’t say cause and bial.”

people around her show signs of unwanted germs, she uses copper morning and night. “It saved me last holidays,” she said.

“The kids had crud going round and round, but not me.”

tried copper for her sinus. “I am shocked!” she said. “My head cleared, no more headache, no more congestion.”

A man with trouble breathing through his nose at night tried copper just before bed. he said.

In a lab test, technicians

If you’re interested in hiring a travel companion service, there are a number of things you need to check into to ensure you get the right escort.

First, if you parents require personal or medical care while traveling, find out if the escort is trained to manage their healthcare needs. What sort of medical certifications do they have (nursing credentials, C.P.R. training, etc.)?

Also, find out how many trips the companion has taken with clients. Have they completed trips with travelers like your parents? How long has the travel service company been in business? What is the company’s safety record? What sort of insurance does it carry, and what exactly is covered?

Also, get a quote breaking down exactly what you’ll be required to pay, in addition to the companion’s fees. And get a list of two or three clients/references who have used their service — and call them.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.

BITS Ongoing

WALKING CLUB AMBASSADOR

He asked relatives and friends to try it. They reported the same thing, so he patented CopperZap® and put it on the market.

Soon hundreds of people had tried it. The feedback was 99% positive if they used the copper within 3 hours after the

germs, like a tickle in the nose or a scratchy throat.

Early user Mary Pickrell said, “I can’t believe how good my nose feels.”

“What a wonderful thing!” exclaimed Physician’s Assistant Julie. Another customer asked, “Is it supposed to work that fast?”

Pat McAllister, 70, received one for Christmas and called it “one of the best presents ever. This little jewel really works.”

tical, she tried copper on travel days for

CopperZap. No viruses were found alive soon after.

Some people press copper on a lip right away if a warning tingle suggests unwanted germs gathering there.

The handle is curved and textured to increase contact. Copper can kill germs picked up on

touch things other people have touched.

The EPA says copper still works even when tarnished.

Made in America of pure copper. 90-day full money back guarantee.

each CopperZap with code MDSB9

www.CopperZap.com or call toll-free 1-888-411-6114.

Statements herein are not intended and should not be interpreted as product health claims, and have not been evaluated by the FDA. Not claimed to diagnose, treat, cure, or prevent any disease.

The Elkridge 50+Center is currently seeking volunteers to serve as Walking Club Ambassadors. Duties include promoting the program and facilitating and coordinating daily neighborhood walks while making members feel welcomed and connected. For more information, contact Jeannie DeCray at (410) 313-5175 or jdecray@howardcountymd.gov.

Nov. 5

PUT THE OELLA GARDEN TO BED FOR WINTER

Join other volunteers to help put the Oella Entrance Garden to bed for winter. This event takes place on Sat., Nov. 5 from 9 a.m. to noon at 6 Oella Ave., Ellicott City. The garden is located across from The Trolley Stop restaurant and parking is available in Lot A. If possible, bring shovels to reduce the need to share tools.

Registration is required at

Natural device puts copper right where you need it.

Dr. Bill Keevil: Copper quickly kills viruses.

SAVVY SENIOR

A comedic Ghost entertains at Toby’s

By Mark Dreisonstok

The current production of Ghost: The Musical at Toby’s Dinner Theatre will bring back fond memories of the 1990 movie starring Patrick Swayze, Demi Moore and Whoopi Goldberg.

For some of us, it might even recall the classic ghostly adventures of Topper and Noel Coward’s Blithe Spirit, earlier productions that mixed madcap adventures, romance and the supernatural.

For those new to the story, Ghost involves a young, happy-go-lucky protagonist named Sam Wheat (Patrick Gover is both ebullient and earnest in the role), who is killed in a robbery on the streets of New York.

Sam finds himself very much present and conscious in the afterlife, driven to protect his girlfriend, Molly Jensen (played as naïve and loving by MaryKate Brouillet), from being harmed by his murderer.

Sam is unable to warn Molly until he meets a questionable spirit medium named Oda Mae Brown, portrayed incandescently by Ashley Johnson. Will skeptical Molly believe Oda Mae’s claims of

being able to communicate with the deceased Sam?

Adapted as a musical for the British stage in 2011, the story segues nicely between suspense, comedy and musical numbers. However, Toby’s production focuses a little more on comedy than audiences may remember from the Hollywood motion picture.

This comedic spirit is especially fresh in the performance of DeCarlo Raspberry, a stalwart performer in Toby’s coterie. Here he plays a hospital ghost trying to lighten things up for the recently deceased Sam (and for the audience) in a lively number called “You Gotta Let Go Now.”

Effective musical numbers

Ghost fluctuates musically between Broadway-style numbers and light rock with different vocal pairings, such as solos, duets and trios.

An especially effective trio between Sam, Molly and the ambiguous villain Carl (played for the evening’s performance by the talented understudy, Shane Lowry) is a song with more than a kernel of truth in it: “Life Turns on a Dime.”

Johnson, the psychic, also provides a tour-de-force performance with “Are You a Believer?,” seamlessly blending showtune and Gospel elements.

A strength of the Toby’s production is

that certain scenes appeal to more than one emotion at the same time. For example, a scene with a white-clad hospital

Columbia

Pro Cantare

46th Season Concerts

HANDEL: MESSIAH

Sunday, December 4, 7:30 p.m.

A CHRISTMAS NOËL

Sunday, December 18,

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Following in the footsteps of Whoopi Goldberg, Ashley Johnson stars as “spirit talker” Oda Mae Brown in Ghost: The Musical, playing at Toby’s Dinner Theatre in Columbia through Nov. 6. Patricia “Pep” Targete and Crystal Freeman sing backup as her sisters, and MaryKate Brouillet plays the widow Molly.

PHOTO BY JERI TIDWELL PHOTOGRAPHY

John Kelly writes a daily column from his home office. Our cover story continues on page 28.

JOHN KELLY

launching KidsPost in 1999 and then reporting for the Metro section.

During his career, he was awarded a fellowship at Harvard from the Neiman Foundation for Journalism in 1998 and another in 2007 from the Reuters Institute for the Study of Journalism at the University of Oxford.

Despite all his experience, Kelly takes a modest view of his contributions to the Post “I really came from the outside; I didn’t study journalism in college,” Kelly said. “I felt, and

still sometimes feel, like an outsider.”

Keeping it weird, but nice

Although the newspaper has changed owners (Katherine Graham to Jeff Bezos) and locations (15th Street to K Street) over the years, Kelly said that his position hasn’t changed much.

“My job is probably the least changed sort of job in the newsroom. Writing a local, daily human-interest column — it’s the same as it was in 1920, 1950 or 1990.”

Yet Kelly, who writes five columns a week, says he’s still learning new things every day.

“It doesn’t feel like 18 years [writing this

column] because I think I really ought to be better at this. It ought to be easier,” he joked.

To keep things fresh, Kelly casts a wide net, writing reflections, local history pieces and “weird observations,” as he calls them — about the deer population, for instance, or neckties. As a result, “John Kelly’s Washington” has a devoted following.

“It’s been reassuring that there are people who have been interested in all the weird things I’ve been interested in,” Kelly said.

“Being an editor has been helpful [in] thinking about a menu of offerings,” he added. “That’s how I approach it, as an editor who wants to have something a little different every day. That makes it doable.”

In his self-effacing manner, Kelly claims he has “a small role” at the Post, but acknowledges that his column is as important to some Washingtonians as a hardnews story about, say, the Middle East.

“A newspaper is not one thing. It shouldn’t be; it should be lots of things,” Kelly said. “If you like sports, there’s a sports section. If you like squirrels, wait around for squirrel week.”

Readers who like variety head to the Metro section for Kelly’s straightforward, approachable and sometimes charmingly quirky column.

In 2004, when Kelly took over “Bob Levey’s Washington,” his predecessor gave him some advice that proved true. “I remember Bob Levey telling me, ‘Readers will help you out,’” because they know the

BEACON

column well, Kelly said. “And they do.”

For instance, readers routinely send in story ideas or ask questions via email and handwritten notes. He has “a ton of ideas” for future stories, he said, but not enough hours to pursue all of them.

He’s still curious about the world and enjoys chasing down leads. “I like learning things. If there’s an interesting thing or person or event, I get lost researching it, and that takes time.”

No matter what he writes, though, Kelly tries to avoid a mean-spirited tone, thanks in part to the editor who hired him. “She said, ‘I want readers to like you.’

“It’s a great help as an organizing principle because if I feel the urge to be mean in my column, I hear her words.”

His rocker side

When he’s not writing, Kelly plays drums in a local band called the Airport 77s. He pounds on his drum set the way he writes: rapidly, expertly, in a flurry of enthusiasm.

With a sound akin to Elvis Costello or the Police, the Airport 77s play as if they want people to dance.

After playing local gigs for several years, the band — a trio that includes Kelly; guitarist Andy Sullivan, a reporter for Reuters News; and bassist Chuck Dolan, a NASA software developer — released their first album in January 2021, produced during

SCHAPIRO GALLERY

ghost and entourage is at once funny and eerie.

Stylized, slightly distorted windows which drop down from the ceiling at the beginning of the production give a spooky, Expressionist exuberance while preparing the audience to experience a familiar, beloved film.

Director Mark Minnick and set designer David Hopkins are able to convey such complexities as the hustle and bustle of a large city using a few talented actors and minimalist props in its “theater in the round.”

Gover played the lead in Toby’s recent

John Kelly

the pandemic lockdown.

They released a second album titled “We Realize You Have a Choice” in September.

Kelly and his wife, Ruth, a telecommunications attorney, have two grown daughters who live in London and Los Angeles, as well as a rescue dog adopted during the pandemic.

The dog’s separation anxiety keeps the Kellys close to their home in Silver Spring, Maryland. “I’m kind of a hostage to this house,” Kelly said with a chuckle. “I have come to love keeping the hummingbird feeder full, looking at the different types of birds.

“As much as I love this area and have connections to it, I like to travel, too,” he added, noting that he’s planning trips to visit his parents in North Carolina and his daughter in California.

In the meantime, if you write a letter to

success, Rocky: The Musical. As Sam, he channels another American icon as he sings the 1950s hit “Unchained Melody”

Elvis Presley-style.

Incidentally, the lyrics of “Unchained Melody” are extremely prescient for Sam: “I’ve hungered for your touch/A long, lonely time/And time goes by so slowly.”

These lyrics foreshadow how Sam will have a difficult time reaching out to Molly and the living. These words also represent the frustrating purgatory in which Sam finds himself.

There is a special element to this production: The musicians are visible on a platform above the audience. This placement added greatly to the live feel (not that we would speak ill of ghosts!), and in-

Kelly, you might just get a note or even a phone call back. He’s always on the lookout for ideas, and he loves to track down a story.

“I’m an introverted person in a job that requires me to be extroverted,” he said.

deed romance, of the production. The orchestra, conducted alternately by Ross Scott Rawlings and Nathan Scavilla, depending on the performance, deserves high praise.

Actors’ insights

We could not leave Toby’s without asking some of the actors about their views of the performance. Shane Lowry, who played Carl the night we saw the production, said that playing a criminal is “a delicious role. It’s always fun to play something you are not.”

Brouillet, who plays Molly, told the Beacon that the production is moving because “everyone has lost someone. The show is about loss, but also about love.”

“I’ll keep writing my column…I can’t imagine anything else I’d rather do.”

Hear John Kelly speak about his life at the Beacon 50+Expos taking place on Sunday, October 23 at Springfield Town Center in

She added, “We really came together as a cast!”

Ghost is fun, entertaining Halloweentime fare, although grandparents should be cautioned about violent subject matter, occasional crude humor and profanity.

Toby’s is located at 5900 Symphony Woods Road in Columbia, Maryland. Advance reservations are required. Tickets are $68-$72 for adults and $52.50 for children 12 and under, including the all-you-can eat buffet.

Patrons 65 and over can attend Tuesday and Wednesday performances for $57.80. There are matinees on Wednesdays and Sundays. Tickets may be purchased online at tobysdinnertheatre.com, or call the box office at (410) 730-8311.

Springfield, Va., and on Sunday, October 30 at the Margaret Schweinhaut Senior Center in Silver Spring, Md. Both events run from noon to 4 p.m. For more information, see pages 5-7 of this issue.

Crossword

Banking

a person’s

Sleeveless jacket

2.5 centimeters

of internet product reviews

eleven (soccer game after a red card)

Museum’s display

of a person,

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WELLNESS PROGRAMS & SEMINARS

Register as indicated below or contact Toni Davis at tdavis@bgf.org with questions.

R egister a s indic ated below or con ac t Toni Dav is at td av is@bg f or g w it h que st ionst on o

Living Well Webinar VIA ZOOM: “Healthy FOOT AND ANKLE habits”

Tuesday, OCTOBER 18

10:30 – 11:45 A.m.

Strong, yet flexible ankles are important to reducing foot and ankle pain while also helping to prevent other areas of our body from compensating. Discover the causes and treatments of the most common types of foot and ankle pain and learn strength and flexibility exercises you can do at home to help prevent and manage pain.

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Tuesday, November 8 10:30 – 11:45 A.m.

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Healthy Living Class VIA ZOOM: “CHAIR YOGA”

mondays and wednesdays

OCTOBER 31 – DECEMBER 7 11 – 11:45 A.m.

Chair yoga can improve mobility, increase energy, improve physical function and otherwise enrich your life! Take the road toward better health with this Zoom class that is ideal for seniors or those with stiffness or movement limitations.

Six-week Session Fee: $30 Register by October 30 at bit.ly/BGChairYoga4

Alzheimer’s Support Group via Zoom

THIRD WEDNESDAY of EVERY Month

3:30 – 4:30 P.M.

Sponsored by the Alzheimer’s Association, this confidential group is designed for those caring for someone with Alzheimer’s.

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For information, contact Facilitator Laura Rounds at lrounds@bgf.org or 301-260-2300