April 2012 Howard County Beacon Edition by The Beacon Newspapers

The Howard County

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The studios offer ample room and natural light for the visual artists, who have 24/7 access to their working space. Today, studios are difficult to come by because most of the artists have been renting their spaces for 10 years or more. Nevertheless, openings do occur from time to time, said Elizabeth Berman, a center staff member. To rent a space, an artist must submit works, which are considered by a jury from the Howard County arts community.

APRIL 2012

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PHOTO BY FRANK KLEIN

A studio of one’s own

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A space for artists to flourish By Robert Friedman Nearly every day at her studio at the Howard County Center for the Arts in Ellicott City, Mary Jo Tydlacka works on her vivid canvases and charcoal drawings, some of which depict outdoor performances of Shakespeare. She is one of 14 artists who rent space at the center. More than half of them are over 50. “I do what I love,” said the 67-year-old Woodstock resident. “Art can be isolating, but here at the studios, it’s almost like we’re a protected species.” Tydlacka turned to a career in art after teaching English at Pyle Junior High School in Bethesda for several years. She started taking art classes at the University of Maryland and the Maryland Institute College of Art (MICA) in Baltimore, then spent a year studying classical art in Rome. She’s had a studio at the Howard center since 1984. Tydlacka combines her love of language and art by painting scenes from Shakespeare plays, starting with Chesapeake Shakespeare Company performances at the ruins of the Patapsco Female Institute in Ellicott City. One of these paintings hangs in the storied Globe Theater in London, a gift from Tydlacka after the theater’s manager came to a local production. Tydlacka also has works in the Folger Theater’s permanent art collection. Michael Kahn, the D.C.-area’s classic theater guru and artistic director of the Shakespeare Theater Company, owns her painting of a scene from an outdoor production of As You Like It.

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ARTS & STYLE

Mary Jo Tydlacka paints vividly colored theatre scenes in her studio at the Howard County Center for the Arts. She is one of 14 artists who rent space at the Ellicott City center.

Columbia Pro Cantare brings county residents of all ages together to sing a varied musical repertoire at area concerts page 27

Rents range from $160 to $500 a month. Located in a former elementary school off High Ridge Road, the center supports a wide range of the county’s arts activities. There Howard County residents of all ages take classes in the visual and performing arts, galleries exhibit the works of local artists, and a small “black box” theater offers its stage for dance and theater groups. Howard County performance groups, such as the Chesapeake Shakespeare Company, the Columbia Orchestra and the Howard County Ballet, also have office and working space at the center.

Varied art forms Another resident artist, James Adkins, taught art at Howard and Mount Hebron High Schools for 17 years. He now directs the non-digital visual arts classes at Howard Community College. Adkins, 64, also attends from time to time the weekly sessions where artists draw live nude models. Adkins’ paintings of nudes grace the scores of easels in his studio, and his female-figure drawings fill up the drawers of his flat files. He said he started out doing mostly See ARTISTS, page 28

FITNESS & HEALTH 4 k How to lower your medical bills k Get a good night’s sleep THE SENIOR CONNECTION 16 k Howard County Office on Aging Newsletter LAW & MONEY k Investment pitfalls to avoid k Consider Canadian stocks

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MEALS ON WHEELS NEEDS VOLUNTEERS Meals on Wheels of Central Maryland is seeking volunteers to de-

liver meals to homebound residents from the distribution site at the Florence Bain Center, 5470 Ruth Keeton Way, Columbia. For more information, contact the Howard County office at (410) 730-9476 or www.howard@mowcm.org.

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May 15+

ESCAPE TO THE POCONOS The Howard County Department of Recreation & Parks has put together a mountain retreat package based at the Chateau Resort

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near Lake Wallenpaupack and Mt. Airy Casino. The tour bus departs on Tuesday,

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Health Fitness &

COLONOSCOPY SAVES LIVES Removing polyps during screening cuts colon cancer deaths by half DREAMING OF SLEEP Sleep patterns change with age; try these tips for a better night’s rest SAFE SEX Sex poses low risk for most heart patients, according to a new study BODY FAT AND HEART DISEASE A study is looking at how body composition affects cardiovascular risk

Not taking meds is costly in many ways By Linda A Johnson Nearly three in four Americans don’t take their prescription medicine as directed. Even among those with serious chronic health conditions such as diabetes, about one in three don’t. In fact, one out of three people never even fill their prescriptions. Many skip doses to save money. But not taking your medicines as prescribed can hurt your wallet as well as your health and far outweigh any savings on your pharmacy bill. Not filling prescriptions and even skipping doses can result in serious complications and lead to ER visits and hospital stays, even premature death. Patients not taking medicine as prescribed cost the U.S. healthcare system roughly $290 billion a year in extra treatment and related costs, research shows. One study estimated those patients pay about $2,000 a year in extra out-of-pocket

medical costs. To improve patients’ health and rein in medical spending, the National Consumers League is running “Script Your Future” — a three-year campaign with medical and other groups, to educate patients and get doctors and other health workers to discuss it with patients. Since it launched last spring, more than 100,000 people have signed the league’s online pledge to stick to their medication schedule.

What can go wrong For patients with chronic health conditions — nearly half the U.S. population — not taking medications as prescribed can bring serious consequences: • Doctors may believe a drug they prescribed for the patient didn’t work and switch to another one that has worse side effects or costs more. • Deadly viruses such as hepatitis C

and bacterial diseases such as tuberculosis, which require daily medicine for many months, can become resistant to the medicine. That can extend treatment for months, force the addition of more-toxic medicines, or make curing the illness impossible. • Patients who don’t always take medicines for high blood pressure and cholesterol problems can suffer a heart attack or stroke, causing disability or death. Despite the consequences, patient surveys show a variety of reasons for not taking medicines as prescribed, according to Script Your Future spokeswoman Rebecca Burkholder. The most common reasons are: • Financial problems/lack of health insurance, • Complicated or confusing medication schedule, • Forgetfulness, • Problems with or fears of side effects,

and • Belief the medicine isn’t really needed. This is common with symptomless conditions such as high blood pressure. Here are some strategies for addressing these problems: • If you don’t really understand why you were prescribed a drug and the consequences of not taking it, list your questions and talk to your doctor or pharmacist. If you do research on the Internet, stick to reliable websites run by government health agencies, patient advocacy groups, hospitals or universities. • If you’ve been suffering side effects or worry a new medicine may cause them, talk to your doctor about whether there’s an alternative drug or steps to lessen side effects, such as taking the drug with food or right before bed. Sometimes an additional drug may lessen side effects. See TAKE YOUR MEDS, page 5

Tips to help you lower your medical bills By Christina Rexrode Few things make me feel as clueless as a bill from my doctor’s office. I don’t recognize the abbreviations or understand the jargon. I can’t tell when I’m being charged too much. And there’s no screen on the wall, at least not at my doctor’s office, tallying the cost of each extra test I agree to or question I ask. But, even if you have health insurance as I do, medical bills can spiral quickly, eating up savings or in extreme cases leading to bankruptcy. Here are ways to protect yourself throughout the process.

Shop around; compare prices Even people who studiously comparison-shop for their digital camera or winter coat don’t always realize they should do the same for medical services. Prices can vary significantly. “You can get an MRI on one side of the street that will cost you $2,000, and the exact same MRI on the other side of the street will cost $4,000,” said Dr. Neel Shah, executive director of Costs of Care, a nonprofit that aims to help patients deflate

their medical bills. He isn’t speaking metaphorically. Dr. Jeffrey Rice, CEO of the Healthcare Blue Book, estimates that there’s an average difference of 300 percent to 600 percent between the lowest price and the highest price for any single medical procedure in any U.S. city. If you’re thinking you needn’t comparison shop because you have insurance, think again. Many insurance plans will still hold you responsible for a portion of the bill in addition to the deductible. And don’t assume that choosing a doctor who’s in your insurance company’s network will solve the problem: Their prices can vary, too. “The biggest problem we see is patients don’t ask about costs before they get their care,” Rice said. “It’s like going to buy a car and deciding afterward that the price was too high.” You need to call each doctor’s office or hospital you might visit to learn what they charge. The Healthcare Blue Book website (http://healthcarebluebook.com), which is free to consumers, can help you figure out what prices might be reason-

able. It collects information about the fees doctors accept from insurance companies. If you’re uninsured, ask about a “selfpay” discount. Doctors often charge less to patients who have to pay out of pocket, but they generally don’t advertise this.

Your doctor can help Tell your doctor you need to watch what you spend. She might not know the exact cost of each procedure or whether your insurance covers it, but she’ll know the relative value of each test she orders. Maybe she can hold off on some tests for a couple of months until she’s certain you need them. Or, if you need surgery, maybe your doctor can do it at an outpatient facility instead of a hospital. It’s also important to make sure you’ve followed your insurance company’s paperwork procedures, no matter how ridiculous you think they are. For example, if your doctor sends you to a specialist, ask your insurance company whether you’ll need pre-authorization for the visit. The pre-authorization is just another layer of paperwork — maybe your doctor’s office has to fill out an extra form

or make an extra phone call — but you want to be sure it gets done. “There are times when a test is ordered and performed and no one really realized it [needed pre-authorization], and the patient gets stuck with a bill for a test that would have been covered,” said Dr. Stephen Meyers, a physician in Oak Ridge, N.C., who runs SmartMedSavings.com. Or say you have two health insurance plans — a primary and a secondary — and you need a procedure that your primary plan won’t cover but your secondary will. It’s likely that you’ll still need to file a valid claim with the primary insurer, just to get it denied, to guarantee that the secondary insurer will pay up.

Check your bills In most cases, you won’t see any tally of prices until your insurance company sends you a document listing what the doctor or hospital charged, how much the insurance company paid, and what’s left for you to cover. It’s a good idea to ask for a line-item bill See MEDICAL BILLS, page 6

BEACON BITS INNOVATIONS IN AGING CONFERENCE & EXPO

Those interactive Wii video games — bowling, tennis, baseball and more — may improve hand-eye coordination for older adults and provide some good exercise as well. The games will be held on Tuesday, April 3 and subsequent Tuesdays from 10 to 11 a.m. at the Bain Center, 5470 Ruth Keeton Way, Columbia. For further information, email cvigus@howardcountymd.gov or call Cathy Vigus at (410) 313-7311.

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Innovations in Aging 2012 features a professional training conference designed for aging network professionals, a free job fair for anyone seeking employment, and a free expo featuring a hall of exhibits, interactive health and wellness activities, cooking demonstrations, exercise classes and more. The event will be held May 3 through 5 at the Gaylord National Hotel and Conference Center in National Harbor, Md. The job fair will be held on Thursday, May 3 from 10 a.m. to 3 p.m. Come with your resume in hand and be prepared to speak with prospective employers. The Expo takes place on Saturday, May 5 from 9 a.m. to 5 p.m. For more information, see www.innovationsinaging2012.com or call (410) 767-1100.

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If forgetfulness or confusion is the issue, try pill organizers or reminder devices. If you just need something to jog your

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mitting your credit card information. Information, wallet prescription lists and other tools to improve medication adherence are available at www.ScriptYourFuture.org. Get more patient advice from http://bit.ly/merckmanual_drugadherence. — AP

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If you can’t afford your medicine, ask whether your doctor has free samples or there’s a cheaper generic version. Also, try contacting patient assistance programs run by brand-name drug manufacturers, the industry-backed Partnership for Prescription Assistance at www.pparx.org, or by nonprofit groups including www. patientadvocate.org, www.r xhope.com, www.needymeds.org and www.patientassistance.com. Ask your pharmacy if it participates in any discount prescription card programs. Price shop for the best deal. Some state health departments have websites for comparison of prices at different drugstores. There are also Internet drugstores with discounted prices, such as www.healthwarehouse.com. Make sure the site has the blue Verified Internet Pharmacy Practice Sites symbol.

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sites selling items like those described above: www.epill.com, www.medminder.com, www.managemypills.com, www.blueberryrx.com, www.medication-reminders.com or www.rememberitnow.com. Many items are also available at www.Amazon.com. Make sure to read the fine print before sub-

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memory, post a reminder card on the kitchen counter, refrigerator door or bathroom mirror, or set an alarm on your watch or smartphone. You can also buy special vibrating watches with multiple reminders for around $100. (See, for example, www.almedatime.com.) Try an inexpensive weekly pill box divided by time of day from a drug or discount store, or invest in an organizer pill bottle or divided box with an alarm timer that can fit in your pocket or bag. There are even countertop dispensers with individual medication cups that a caregiver can fill for weeks in advance. These devices run from about $30 to several hundred dollars, depending on how sophisticated they are. Some even notify caregivers when the patient misses medicine doses. There are smartphone applications, some free, that can send text reminders every time you need to take a medicine or refill a prescription. Or you could sign up for a reminder service that sends e-mail or text messages for $5 to $10 per month. More expensive services make automated reminder calls to the patient and, if there’s no response, notify emergency contacts. Ask your health provider, pharmacist, nurse or insurer for advice. Or check out

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Health Shorts Colonoscopy halves risk of fatal colon cancer Millions of people have endured a colonoscopy, believing the dreaded exam may help keep them from dying of colon cancer. For the first time, a major study of-

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From page 4 from your doctorâ&#x20AC;&#x2122;s office or the hospital so you know exactly what youâ&#x20AC;&#x2122;re being charged for. Check for glaring errors: Are the medicines listed on the bill the ones you actually received? Is there lab work listed on a day when you didnâ&#x20AC;&#x2122;t have blood drawn? Itâ&#x20AC;&#x2122;s easy for a billing office to accidentally key in â&#x20AC;&#x153;11â&#x20AC;? instead of â&#x20AC;&#x153;1â&#x20AC;? and charge you for 10 extra pills, or to transpose a few digits in a code and charge you for an injection when you really just got counseling. â&#x20AC;&#x153;You donâ&#x20AC;&#x2122;t want to assume that everything somebody is charging you for is correct,â&#x20AC;? said Louis Saccoccio, CEO of the National Healthcare Anti-Fraud Association. If you believe youâ&#x20AC;&#x2122;ve been charged for something your insurance company should

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caught someone using another personâ&#x20AC;&#x2122;s identity to get health services. But in many cases, the thieves are after billing information so they can make fraudulent claims. In one scam, older people were called up and told that they needed to provide their current Medicare number because the federal healthcare reform law required that they get a new one, which isnâ&#x20AC;&#x2122;t true. The scammers could then use the Medicare numbers to bill the government for services that were never delivered. The Federal Trade Commission has some suggestions for preventing medical identity theft. Theyâ&#x20AC;&#x2122;re pretty basic but, at the very least, serve as useful reminders: â&#x20AC;˘ Never give out personal or medical information on the phone or through the mail unless you initiated the contact and are certain you know with whom youâ&#x20AC;&#x2122;re dealing. â&#x20AC;˘ Be skeptical of offers of free or See HEALTH SHORTS, page 7

cover, contact the company first. If it still denies your claim, you have the right â&#x20AC;&#x201D; under the new healthcare reform laws â&#x20AC;&#x201D; to ask for an independent organization to review your claim. If your health insurer tries to deny you this external review, contact your state insurance commissionerâ&#x20AC;&#x2122;s office. Other state agencies also can help you. Check the â&#x20AC;&#x153;Consumer Assistance Program Locatorâ&#x20AC;? on the nonprofit Families USAâ&#x20AC;&#x2122;s home page (www.familiesusa.org) or HealthCare.gov, a website managed by the U.S. Department of Health and Human Services. Some for-profit companies also will scour your medical bills for errors and try to get the charges lowered. But these companies will keep a portion of any savings they recover for you, sometimes as much as 35 percent. â&#x20AC;&#x201D; AP

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H O WA R D C O U N T Y B E A C O N — A P R I L 2 0 1 2

Health shorts From page 6 sharply discounted services from providers you don’t know who ask for your Medicare or health insurance information. Medical identity thieves, posing as insurance company employees, doctors and other healthcare providers, lure people in with these offers, collect their billing and other information, and then use it to make Medicare and other claims. • If you’re asked to provide insurance or medical information on a website, look for indicators that the site is secure, such as a lock icon on the browser’s status bar or a Web address that begins “https” (the “s” stands for “secure”). — Harvard Health Letter

Avoiding kidney stones

stones form when certain minerals concentrate in the urine and form into crystals. Drink plenty of fluids (water is the safest bet) and you’ll increase the amount of water in the urine, so those mineral concentrations don’t get too high. • Eat calcium-rich foods. Calcium is a major component of about 85 percent of kidney stones, so it seems like you should avoid calcium in the diet, not seek it out. But most calcium stones are composed of calcium combined with a substance called oxalate. If there is plenty of calcium in your diet, the calcium binds to oxalate in the intestine before the oxalate has a chance to get into your urine. Less oxalate in the urine means fewer opportunities for calcium oxalate to form there — and fewer kidney stones. Calcium-rich foods include nonfat dairy products, leafy green vegetables, and some varieties of fish (salmon is a good choice). • Reconsider calcium supplements. Results from the Harvard-based Nurses’

Health Study showed that postmenopausal women who took calcium supplements were 20 percent more likely to develop kidney stones than women who didn’t. Findings published in 2011 from the Women’s Health Initiative, a large randomized trial, echoed those of the nurses’ study. One explanation for calcium in food and calcium pills having different effects is that when calcium is consumed in food, it’s

more likely to be present in the intestine at the same time as oxalate. • Moderate your sodium intake. Lowsodium diets decrease excretion of calcium and oxalate. • Moderate your protein intake. Protein can increase calcium and oxalate excretion. High-protein diets may also reduce the levels of stone-inhibiting substances in the urine. — Harvard Health Letter

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There are a lot worse things than kidney stones. But, oh my, they can cause a lot of pain as they pass through the ureters, the tubes that connect the kidneys to the bladder. And the number of Americans getting kidney stones is increasing, perhaps because of the increasing prevalence of obesity. Once you get kidney stones, the chance of getting them again is high, and much of the prevention advice is aimed at fending off a recurrence, but it may also help some with avoiding kidney stones in the first place. Here are a few pointers: • Keep your fluid intake up. Kidney

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The Howard County Health Department will present a program on colorectal cancer prevention in recognition of Colorectal Cancer Awareness month on Monday, March 26 at 7 p.m. at the Savage Branch Library, 9525 Durness Ln., Laurel.

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A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

Why you may not get a good night’s sleep By Dr. Jarrett Richardson Dear Mayo Clinic: Does getting older mean that you won’t sleep as well? Why does it seem like older people like me can’t sleep like we used to? Answer: Although sleep patterns change somewhat as you age, that doesn’t mean you have to live with restless nights and the persistent feeling of insufficient sleep. The underlying causes are usually treatable. Many brain activities contribute to sleep and wakefulness. Chemicals in your brain called neurotransmitters help control whether you’re awake or asleep. Some of these chemicals help keep parts of your brain active while others encourage sleep.

Other forces, such as the amount of light you’re exposed to and the medications you take, also influence your sleep patterns. Diet also can be a factor — for instance, caffeine and alcohol can have a significant effect. Generally, sleeping seven to eight hours a night is considered optimal. Some adults need less. But if you’re getting too little sleep, you’re amassing a sleep debt. Regularly sleeping less than five hours a night is associated with poor physical health, although there’s debate whether poor health causes lost sleep or lost sleep results in poor health.

More falls, poorer concentration In older adults, sleeping less than five hours a night is associated with a more

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than 50 percent increased risk of falls. Getting less than seven hours of sleep on a regular basis may cut into your ability to concentrate, make decisions and remember things. Adding to that, ongoing sleep deprivation may actually interfere with your ability to recognize how tired you are. But simply focusing your attention on getting a certain amount of sleep may not be helpful. Sleep difficulties can often be traced to treatable health issues. Talk to your care provider if you think your sleep problems are related to other medical conditions. For example, chronic health problems such as arthritis, kidney disease, Parkinson’s disease and depression can cause difficulty sleeping. Some of the other factors that could cause sleep difficulties include: Sleep disorders. Sleep-related leg cramps, obstructive sleep apnea, periodic leg and arm movements, and restless legs syndrome can jeopardize sleep. A Mayo Clinic study of aging adults found that more than half of the 892 participants had signs of at least one sleep disorder other than insomnia. Pain. Conditions that cause chronic pain, including heartburn, arthritis, back pain, cancer pain and headaches, can take a toll on sleep. In turn, poor sleep can increase the perception of pain intensity. Difficulties such as falling asleep or frequent nighttime wakening often are related to poor pain control. Nighttime urination (nocturia). Trips to the bathroom are a common reason older adults wake at night. This also increases the risk of nighttime falls. Illness. Coughing, shortness of breath, chronic pain and even itching can disrupt your sleep. Mental health conditions, such as depression, often are associated with sleep difficulties.

Medications. Drugs that disrupt sleep range from nonprescription decongestants to commonly prescribed drugs such as bronchodilators, some antidepressants and corticosteroids. Other medications such as beta blockers, varenicline (Chantix), some antidepressants and narcotics can cause vivid dreams or nightmares, contributing to sleep difficulty. Some pain relievers contain caffeine. Menopause. Up to half of women in menopause report sleep difficulties. Hormone changes may be a factor and result in hot flashes, night sweats and disrupted sleep. Providing care to family members is another factor that can reduce sleep.

Tips for better sleep Some sleep habits that everyone can adopt that may make a difference include going to bed at the same time each day; exercising before the evening hours; avoiding caffeine, nicotine and alcohol; and relaxing before bed with a warm bath or by reading something enjoyable. Try to keep your bedroom quiet, dark and at a comfortable sleeping temperature, and use your bedroom only for sleep or intimacy. As a general rule, if you can’t sleep, don’t lie in bed. Leave your bedroom and do a quiet activity — such as reading, watching TV or listening to music — until you feel tired. If you’re having sleep difficulties, consider whether a particular stress may be the cause. Once the stress is relieved, the sleep issue may resolve. But if you can’t identify a reason for ongoing sleep loss, talk with your doctor. Determining and addressing its cause can make your nighttime sleep more restful. See SLEEP, page 11

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Digestive Health Corner Sponsored by Capital Digestive Care

Common Symptoms You Shouldn’t Ignore Too often, we minimize the critical proper screening. Colorectal cancer role the digestive system plays in our is the second most common form of overall health. When you cancer in the United States and a leading cause eat foods, they are not in a form that the body can of cancer death. Women tend to be more vigilant use as nourishment — than men when it comes they must be changed to recommended checkinto smaller molecules of ups and screening procenutrients before they can dures, but even they often be absorbed into the ignore warning signs that blood and carried to cells could lead to early cancer throughout the body. DiBy Marvin E. detection, when treatment gestion is the process by Lawrence, MD is most effective. In fact, which food and drink are broken down into their smallest parts when detected early, the five-year so the body can use them to build and survival rate exceeds 90%. nourish cells and to provide energy. Below are some common sympThe average person will experi- toms patients tend to ignore. While ence at least one adverse digestive these symptoms don’t necessarily condition in their lifetime. While point to cancer, they could be early many conditions may be minor or warning signs of a more serious contemporary, there are just as many dition and should be discussed with that are life-threatening. Colorectal your doctor. 1: Abdominal Pain cancer statistics are particularly As we get older we have a tendenalarming — especially when you consider that it can be prevented with cy to complain of various aches and

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pains, but an unexplained or uncharacteristic onset of abdominal pain, discomfort or bloating could point to any number of serious digestive health issues, including, gallbladder disease, Helicobacter Pylori (also known as H. Pylori), peptic ulcer disease or cancer, to name just a few. 2: Unexplained weight loss Wouldn’t we all love to lose weight without doing anything? Too bad it just isn’t possible. Unexplained weight loss (not accompanied by exercise or diet changes) shouldn’t be brushed aside. 3: Bleeding Although most often associated with hemorrhoids, bleeding may also be caused by ulcers, certain types of cancer, or other digestive health conditions. 4: Anemia A number of digestive and liver conditions are associated with bleeding or nutritional deficiencies (inability to absorb nutrients such as iron) and may cause you to become anemic. 5: Changes in bowel habits This could be the result of diet changes or any number of factors, but new onset of constipation or diarrhea warrants further investigation. A thorough consultation with a physician, including a review of your personal and family history, is the

first step in diagnosing a potentially serious digestive health condition. If you are not experiencing any symptoms but are over the age of 50 (45 if you are African American), schedule your colonoscopy. Screening is without a doubt the single most important step to prevent or even cure colorectal cancer. For more information about digestive health conditions, including colon cancer and prevention, visit our website at www.capitaldigestivecare.com or request a free information kit at info@capitaldigestivecare.com. Capital Digestive Care has 16 offices conveniently located throughout the Washington Metropolitan Area, including, Montgomery, Howard, Prince George’s and Frederick counties. Marvin E Lawrence, MD is a board certified physician specializing in Gastroenterology and Hepatology. He treats a broad range of digestive health and liver conditions, including colorectal cancer screening. An active member of the medical community, Dr. Lawrence is a Fellow of the American College of Gastroenterology, member of American Society of Gastrointestinal Endoscopy, Crohn’s and Colitis Foundation, and the Chairman of the department of Gastroenterology at Laurel Regional Hospital.

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A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

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H O WA R D C O U N T Y B E A C O N — A P R I L 2 0 1 2

Sex poses low risk for most heart patients By Lindsey Tanner Good news: Sex is safe for most heart patients. If you’re healthy enough to walk up two flights of stairs without chest pain or gasping for breath, you can have a love life. That advice from a leading doctors’ group addresses one of the most pressing, least discussed issues facing survivors of heart attacks and other heart patients. In its first science-based recommendations on the subject, the American Heart Association says having sex only slightly raises the chance for a heart attack. And that’s true for people with and without heart disease. Surprisingly, despite the higher risk for a heart patient to have a second attack, there’s no evidence that they have more sex-related heart attacks than people without cardiac disease. Many heart patients don’t think twice about climbing stairs, yet many worry that sexual activity will cause another heart at-

Sleep From page 8 Jarrett Richardson, M.D., is a psychiatrist at the Mayo Clinic in Rochester, Minn. Medical Edge from Mayo Clinic is an educational resource and doesn’t replace regular medical care. To submit a question, write to:

tack, or even sudden death, said Dr. Glenn Levine, lead author of a report detailing the recommendations and a professor of medicine at Baylor College of Medicine in Houston. The report says sex is something doctors should bring up with all heart patients. Yet few do because they’re uncomfortable talking about it or they lack information, Levine said. The new guidance is designed to fill that gap.

Check with your doctor first Heart patients should get a doctor’s OK before engaging in sexual activity. Many may be advised first to do cardiac rehab — exercise while being monitored for heart symptoms, to improve heart strength and increase physical fitness. But the heart association said most eventually will be cleared to resume sexual activity. The doctors’ group offers advice for heart patients based on scientific research medicaledge@mayo.edu, or Medical Edge from Mayo Clinic, c/o TMS, 2225 Kenmore Ave., Suite 114, Buffalo, NY 14207. For health information, visit www.mayoclinic.com. © 2012 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Media Services, Inc.

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involving sometimes provocative sex-related topics: • Who’s most at risk for sudden death related to sex? Married men having affairs, often with younger women in unfamiliar settings. Those circumstances can add to stress that may increase the risks, evidence from a handful of studies suggests. • Sex may be OK as soon as one week after a relatively mild heart attack, if patients can walk up a few flights of stairs without discomfort. • Viagra and other drugs for erectile dysfunction are generally safe for men with stable heart disease. Among heart attack survivors, average risks for another heart attack or sudden death are about 10 in 1 million per hour.

Having sex increases that to about 20 to 30 in 1 million per hour of sexual activity, the new report said. People without heart disease face lower overall risks for a heart attack, but similar risks for a sex-related attack. “Sexual activity is the cause of less than 1 percent of all heart attacks,” Levine said. The updated advice was released in the heart association journal, Circulation, in January. Dr. Keith Churchwell, chief medical officer of Vanderbilt University’s Heart and Vascular Institute, said the guidance is important for patients, and that questions about sex are the most common ones he See SAFE SEX, page 12

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A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

Lifting weights won’t make women bulky Q: I want to be healthy, but as a woman, I’m afraid to follow recommendations to lift weights because I work hard to be trim and do not want to be big and bulky. Are weights that important? A: Count this among the fears that you can cross off your list. If men use heavy enough weights, they visibly increase muscle bulk because of their high levels of testosterone. Without that, women won’t bulk up without major weight-lifting. However, with strength-training, women

can increase strength to do the life activities they want to do, like climbing stairs and hills and carrying packages and suitcases. You mention that you work hard to stay trim: Strength-training is your ally in that goal, because it helps maintain calorieburning lean body tissue that otherwise decreases each year after age 30. Furthermore, even without “bulking up,” strength-training improves bone health and strengthens muscles associated with balance to reduce risk of falls.

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Federal guidelines recommend physical whole-wheat couscous, quinoa (high in activity specifically focused on muscle- protein and gluten-free) and teff, an strengthening two or more Ethiopian grain used in their days a week for adults. “enjera” flatbread. Strength-training can be acCorn kernels are classified complished with free weights, as a vegetable, but wholestationary weight machines, grain cornmeal and polenta elastic bands or using your are whole grains. Amaranth is own body weight (for examanother high-protein, glutenple, in push-ups and squats). free whole grain. Q: I want to eat more These whole grains can be whole grains, but besides cooked in just 10 to 20 minutes, changing my bread and cebut some whole grains take NUTRITION real, what else can I do? longer to cook, such as barley, WISE A: Brown rice, as well as By Karen Collins, wheat berries and wild rice. whole-wheat pasta and whole- MS, RD, CDM Freekeh (“free-kuh”) is an grain tortillas, are just the beancient whole grain (usually ginning of ways to add whole grains to your meals. There’s also wheat bulgur, See NUTRITION WISE, page 15

Safe sex From page 11 hears from heart patients.

Partners need to understand, too Ohio State University heart specialist Martha Gulati praised the recommendations for emphasizing that sexual counseling is important not just for patients but also their partners, who she said are often just as nervous about resuming sexual activity. Day-care operator Tammy Collins of Reynoldsburg, Ohio, one of Gulati’s patients, said the advice is reassuring. She had a heart attack last year on Sept. 11, during a trip to Cincinnati to celebrate her wedding anniversary. Collins’ mother died of a heart attack at the same age, on her 51st birthday. With high blood pressure and high cholesterol, Collins knew she was at risk. She developed symptoms a few hours after having sex.

She dismissed it at first, until she felt a sharp pain in her upper back and had trouble breathing. She was rushed to the hospital and doctors used stents to open blocked arteries. Collins said she wasn’t embarrassed to ask Gulati about sex, who told her it was unlikely that her night of romance had caused the heart attack. After several weeks of cardiac rehab, she was cleared to resume sexual activity — advice that surprised her friends. But Collins said the exercise sessions have made her feel fitter than ever. “A heart attack does not have to be the end of living,” Collins said. Chicago cardiologist Dan Fintel, a professor of medicine at Northwestern University, said he routinely gives heart patients a sex talk on their last day in the hospital, knowing that it’s likely on their minds. “Resuming sexual activity is safe and emotionally part of the healing process,” he tells patients. — AP

Even though you may be able to carry on a conversation with someone in person, you may have difficulty communicating by standard telephone. The Maryland Accessible Telecommunications (MAT) program, a service of Maryland Relay, provides assistive telecommunications equipment — free of charge — to people who qualify. Training on how to use the equipment is available. To learn more about the free equipment, including hands-free phones, amplified phones, voice activated phones and more, simply call Maryland Relay Customer Service at 1-800-552-7724. You may also visit our website, www.mdrelay.org. Click on Free Equipment for more information on how to apply

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Health Studies Page

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THE PLACE TO LOOK FOR INFORMATION ON AREA CLINICAL TRIALS

How body fat may affect heart disease risk By Carol Sorgen Advancing age is associated with a greater risk of heart disease due to such conditions as high blood pressure and hardening of the arteries. But the reasons why age is associated with these conditions and with increased risk of cardiovascular disease are not fully understood, according to National Institute on Aging (NIA) researcher Dr. Luigi Ferrucci. Recent studies suggests that systemic inflammation may be an important contributing cause. But what causes the inflammation, and is that linked to aging?

Ferrucci noted that aging is associated with substantial changes in body composition — primarily an increase in fat mass and a decrease in lean body mass. Both animal and human studies have shown that fatty tissue is an important source of inflammation and have suggested that changes in body composition may be the primary cause of inflammation as people age. Furthermore, studies suggest that agerelated inflammation may affect fatty tissue in the body, which may increase the risk of heart disease, especially if this fat develops in the muscles, the abdomen or around the heart.

BEACON BITS

Apr. 4+

SUPPORT AFTER LOSS OF A PARENT A six-week program for adults who recently experienced the

death of a parent is being offered by Gilchrist Care on Wednesday evenings. The sessions are free, but pre-registration is required. The program will begin on Wednesday, April 4 at Gilchrist Hospice Care, 5537 Twin Knolls Rd., Suite 433, Columbia. For additional information and reservations call (443) 539-4086 or email GHC_bereavement@gilchristhospice.org.

Ferrucci is now conducting a study to better understand these possible links.

Inflammation’s toll A number of animal studies have already shown that inflammatory chemicals are over-released with aging, especially in fatty tissue. The overproduction of these chemicals (known as cytokines) can have important effects, including stiffening of the arteries and insulin resistance — a metabolic abnormality associated with risk of cardiovascular disease. Fat in the liver also promotes chronic inflammation and deterioration of liver function. To date, limited research suggests that fat deposits in specific areas of the body are associated with high circulating levels of inflammatory chemicals. Fat accumulation surrounding the heart, and fat infiltration in the muscle, as opposed to under the skin, seems to be particularly associated with inflammation. However, this information comes from small studies, or studies limited to a very narrow age range.

New study beginning

Do You Have Knee Arthritis and Difficulty Sleeping? Volunteers NEEDED for a Clinical Trial on New Non-drug treatment for problem sleeping Researchers at the Johns Hopkins School of Medicine are looking for volunteers to participate in a research study examining new ways of treating insomnia, in people with osteoarthritis in their knee.  To participate in this study, you must be: • At least 50 years of age OR 35 years of age and older with prior diagnosis of knee osteoarthritis • Have frequent knee pain • Interested in sleeping better  This study involves: • Sleep studies conducted in your home • Sensory testing and knee exam at Johns Hopkins • Meeting with sleep specialist to discuss ways to improve sleep • Additional optional medical tests • All examinations, parking, & tests are provided at no cost.  Compensation up to $870.00

Approved 8/16/10

Michael T. Smith, Ph.D., Principal Investigator Protocol: NA_00011802 Johns Hopkins University School of Medicine

For information, please call (410) 550-7906

In a new observational study, researchers from NIA are studying whether body composition (specifically, fat deposits) in older adults is associated with age-related changes and higher risks of heart disease. This study will include participants be-

tween 50 and 80 years of age from the ongoing Baltimore Longitudinal Study of Aging (BLSA) as well as individuals between 50 and 80 years of age who have previously been diagnosed with coronary artery disease through the Johns Hopkins Hospital Cardiology Department. Participants will undergo a screening that includes a physical exam and medical history, blood and urine samples, and height, weight and waist circumference measurements. They will also undergo a noninvasive DEXA scan to study their muscles, and magnetic resonance imaging (MRI) scans to study heart function and muscle and blood vessel health. Ferrucci said that the researchers hope that by studying both the BLSA population and individuals with established coronary artery disease, they may be able to determine whether, and if so to what extent, the relationships between body fat, inflammation, endothelial (lining of the blood vessels) dysfunction, arterial stiffness and insulin resistance are different in healthy individuals compared with similarly aged individuals who already suffer from heart disease. The study will be conducted at both Johns Hopkins and the National Institute on Aging, Clinical Research Unit, at Harbor Hospital. For more information, contact Ferrucci at (410) 350-3936 or at ferruccilu@grc.nia.gov. Please refer to this study by its ClinicalTrials.gov identifier: NCT01517113.

BEACON BITS

Apr. 2+

FREE BLOOD PRESSURE SCREENING Howard County General Hospital is offering free blood pressure

screening and monitoring on the first and third Mondays of the month from 3:30 to 5:30 p.m., beginning Wednesday, April 2 at the Glenwood Branch Library, 2400 Route 97, Cooksville. For further information, call (410) 313-5577.

Want to Prevent Falls in the Elderly? Seeking Men and Women to participate in a research study at the University of Maryland &Veterans Aﬀairs of Baltimore to better understand balance and the prevention of falls in aging individuals. You will receive:

• Health evaluation • Balance, step, strength, and/or ﬂexibility exercises • Compensation for your time If interested call: 410-605-7179 & Mention code: LIFT at Baltimore VA/University of Maryland Gerontology Recruitment Line *You must be at least 65 years old and in good health *Participants will be seen at the Baltimore VA Medical Center and University of Maryland School of Medicine *You will attend approximately 41 visits for 1 to 4 hours each per visit

CALL TODAY!

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Keep your own money in second marriage Dear Solutions: money and had to ask permission from Since I was a little girl I was told their husbands or fathers before they that a woman should have could spend any. Your mother her own money. Now, after wasn’t the only one who didbeing widowed for many n’t want to live like this. years, I’ve been married The inability of women to again for over a year. I control their own money work and I have my own translated into the inability to bank account. control their own lives. ExMy husband wants me to plain to your husband that, to put my money together with you, having your own money his. I don’t feel comfortable allows you to be a volunteer doing this even though we in this marriage, not a SOLUTIONS have a good marriage. hostage. My husband says I’m By Helen Oxenberg, Suggest a joint account for like this because my par- MSW, ACSW household bills only and work ents were divorced and my out how much each of you will mother had a hard time. How should I contribute to that. And, yes, women should convince him that’s not it? have their own money. Men, too. — Irene Dear Solutions: Dear Irene: I’m a woman, and have become Gently give him a history lesson called “Women and Money 101.” Explain that for decades women had no control over

good friends with a man in my volunteer group. We’re strictly platonic friends and enjoy having lunch together. He’s married and I’m single, so the group gossips are talking about us. Should I continue to have lunch with him? — Donna Dear Donna: Make it an open lunch every other time. That means invite other people from the group to join you. If you hear of rumors, nip them in the bud. Here’s what to say to someone you know is saying these things: “I’ve heard of rumors about Steve and me. I know it could be exciting to talk about, so it’s too bad it’s not true. We’re friends — period.” Leave it at that. It’s too bad, but I guess

there really is no free lunch. Dear Solutions: My boyfriend wants to break off our relationship. I want to try to get him to sit down with me and analyze what’s wrong, but he just won’t. He says he just doesn’t feel that way anymore and keeps saying we dance to a different tune. How can I get him to examine what’s wrong to see if we can fix it? — Norma Dear Norma: You can’t. It takes two to tango. Look for another dance partner! © Helen Oxenberg, 2012. Questions to be considered for this column may be sent to: The Beacon, P.O. Box 2227, Silver Spring, MD 20915. You may also email the author at helox72@comcast.net. To inquire about reprint rights, call (609) 6553684.

Nutrition wise From page 12 wheat) that’s new on the scene for most of us. It is harvested when still green, then roasted and rubbed, which reportedly delivers a uniquely smoky-nutty flavor that works well as a side dish and in soups and stews. You won’t find freekeh everywhere yet, but availability is growing. It cooks in about 25 to 30 minutes. Many people think of whole grains principally as a source of fiber, which is important now that evidence is even stronger about the role foods high in fiber can play in reducing risk of colon and breast cancers. But whole grains’ role in protecting our health is much more extensive. Compared with refined grains, they contain more protective antioxidant compounds. Whole grains also have higher levels of magnesium and vitamin B-6, nutrients that are low in many Americans’ diets. The American Institute for Cancer Research offers a Nutrition Hotline, 1-800843-8114, from 9 a.m. to 5 p.m. Monday through Friday. This free service allows you to ask questions about diet, nutrition and cancer. A registered dietitian will return your call, usually within three business days. Courtesy of the American Institute for Cancer Research. Questions for this column may be sent to “Nutrition Wise,” 1759 R St., NW, Washington, DC 20009. Collins cannot respond to questions personally.

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VOLUME 2, NO . 4 â&#x20AC;˘ APRIL 2012

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Medicare isnâ&#x20AC;&#x2122;t calling you

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A Message from the Administrator

By Dayna Brown, Office on Aging Administrator

They are everywhere â&#x20AC;&#x201D; in senior centers, at Office on Aging events, on our phones and in our hallways â&#x20AC;&#x201D; and we love it! Who are â&#x20AC;&#x153;theyâ&#x20AC;?? Why, our dedicated volunteers, of course! Every president since Richard Nixon has designated one week each April as a time to recognize, inspire and encourage the ordinary people who accomplish extraordinary things through service to their communities. This year, the theme of National Volunteer Week, which runs April 15 to 21, is â&#x20AC;&#x153;Celebrating People in Action.â&#x20AC;? I want to take a moment to celebrate the Office on Agingâ&#x20AC;&#x2122;s loyal â&#x20AC;&#x201D; and very active â&#x20AC;&#x201D; band of volunteers. Thank you for sharing your creative energies and offering your enthusiastic support to us on a daily basis. Every hour of valuable time you donate helps us better meet the challenges facing older adults in Howard County. I have had the pleasure of meeting many of you personally, and more often than not, you tell me volunteering is a win-win situation for you, that you get back every bit and more than you put into it. That is wonderful to hear, but I still want you to know how much you mean to us. By working together, rather than as isolated individuals, I know we can make our community a stronger, more vibrant, and all-around better place to live and work. If you would like to find out more about the unique opportunities the Office on Aging has to offer and join others in your community who are making a difference in the lives of others, visit www.howardcountyaging.org or email hocovolunteer@howardcountymd.gov.

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By Bill Salganik, Counselor, Howard County Senior Health Insurance Assistance Program (SHIP) If you get a call from someone saying theyâ&#x20AC;&#x2122;re from Medicare, itâ&#x20AC;&#x2122;s not true. Medicare never calls beneficiaries; it communicates by letter. This warning is timely, because officials in Anne Arundel County have reported some seniors recently getting calls from someone saying theyâ&#x20AC;&#x2122;re from Medicare and asking for bank account information, saying they need the information to issue new Medicare cards. Not only does Medicare never call, it never issues new cards unless you request one because yours was lost or damaged.

Donâ&#x20AC;&#x2122;t give your Medicare number, your bank account information or your Social Security number to anyone who calls. This information can be used to steal your money and your identity. If someone does call saying theyâ&#x20AC;&#x2122;re from Medicare, ask for their name and number (or copy it down from caller id if you have it). Then call SHIP at 410-313-7392. Weâ&#x20AC;&#x2122;ll report it to the proper authorities. You can call the same number to make an appointment for any Medicare questions.

Nutrition for Healthy Vision By Rona Martiyan, RD, MS, LDN, Office on Aging Nutritionist

Most people already know that eating carfortified cereals, breads, whole grain products. â&#x20AC;˘ Lutein/zeaxanthin, found in: dark green rots is good for your eyes, but there are other vegetables, eggs. foods that contribute to eye health, too. â&#x20AC;˘ Omega 3 fatty-acids DHA and EPA, Adding certain foods to your diet may lower your risk of developing age-related macular found in: fatty fish (salmon, halibut, mackerel, degeneration and cataracts, conditions that tuna), fish oils. Note: fish oil doses are based on can lead to vision loss or even blindness. DHA and EPA content, not on the amount of Eating foods rich in Vitamin A, C and E, fish oil. Check with your healthcare provider zinc, lutein/zeaxanthin and omega 3-fatty before taking any nutritional supplements. acids DHA and EPA are the A new health and wellness program from the Howard County Office on Aging! keys to maintaining healthy eyesight. Here are some foods that can boost eye health (visit www.AOA.org for vision-friendly recipes): â&#x20AC;˘ Vitamin A-rich foods, aided by zinc, which helps bring Vitamin A from the liver to the retina of the eye, 8-Week â&#x20AC;&#x153;THRIVING BEYONDâ&#x20AC;? Program include: carrots, sweet potaNorth Laurel Community Center, 9411 Whiskey Bottom Road, Laurel toes, apricots, cantaloupe, Meets Tuesdays and Thursdays â&#x20AC;˘ 2:00 - 4:00 PM dark greens. â&#x20AC;˘ Vitamin C-rich foods April 3 through May 24, 2012 $ that provide antioxidants 80/person* and, when taken with other LIMITED TO 15 PARTICIPANTS â&#x20AC;Ś REGISTER BY MARCH 28 nutrients, help slow the progress of macular degeneration include: citrus fruits, This program has been made possible through a senior center operating fund grant from the Maryland Department of Aging. melons, broccoli, sweet po* Program is for the full eight week commitment only tatoes, Brussels sprouts. www.howardcountyaging.org/thriving â&#x20AC;˘ Vitamin E-rich foods:

410-313-0380

Coming Events

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The Senior Connection

Wednesdays, 3 to 3:50 p.m. — Strength Training/Stretching, E. Columbia 50+ Center Try our new class that combines weights and stretching exercises for a full workout. Cost: $43 for an eight-week session.

Wednesday, April 4, 11 a.m. — Medicare 101: What to Expect, Kiwanis-Wallas Rec Center, 3300 Norbert’s Way, Ellicott City Learn how Medicare works, what the benefits are, how it relates to supplemental health insurance, and get information on Medicare Prescription Drug Coverage. Free; call 410-313-7391 to register. Wednesday, April 4, 10 a.m. to noon — Maryland Relay, N. Laurel 50+ Center Learn about specialized phone equipment available to persons who are hearing or speech disabled. Equipment free to eligible applicants. For more information, call 410-313-0380. Wednesday, April 4, 10 a.m. to 1 p.m. — Easter Egg Hunt, Elkridge Senior Center Bring your grandchildren for egg hunting fun, with entertainment, prizes, and a visit from the Easter Bunny. Free; donations accepted.

Wednesday, April 4, 1 to 2 p.m. — Springtime Ballet, Longwood Senior Center Enjoy an afternoon of inspiration and creativity as Ballet Mobile takes us through a journey of movement, music and imagery. Free; call 410-313-7217 to reserve a seat. Friday, April 6, 11 a.m. — Spring Fling, Glenwood 50+ Center Bring your grandchildren and join the fun, with a performance by Ballet Mobile, an egg hunt and a catered lunch. Cost: $6; for information or tickets, call 410-313-5440.

Thursday, April 5, 10:30 to 11:30 a.m. — The Promise of Hope Springtime Ballet, The Bain Center Movement, music and meditation can improve your health and spirits. Join us for an inspiring and creative program by Ballet Mobile, the bookmobile of dance. Info: 410-313-7213. Thursday, April 12, 9 a.m. to 1 p.m. — Vision and Glaucoma Screening, N. Laurel 50+ Center Free vision and glaucoma screening will be offered. To schedule an appointment, call 410-313-0380.

Thursday, April 12, 10:30 to 11:30 a.m. – Army Field Band’s Chamber Brass, The Bain Center Join the Army Field Band as they bring their spring recital to the Bain Center! Join us for a wonderful musical experience. Call 410-313-7213 for details. Monday, April 16, 10 a.m. to 2:30 p.m. — AARP Driver Safety Program, Ellicott City Senior Center, Cost: $14 for non-AARP Members/ $12 for Members Learn defensive driving techniques and how to operate a vehicle more safely while adjusting to age-related changes in vision, hearing and reaction time. Space is limited; call 410-313-1400 to register.

Tuesday, April 17, 1 p.m. — Dorothy Bailey Book Signing, Ellicott City Senior Center Meet Dorothy Bailey, author of In a Different Light, which highlights the wisdom, beauty, strength and courage of an incredible group of women who live in or have strong ties to Maryland.

Wednesday, April 18, 9 a.m. to noon — Glaucoma Screening, E. Columbia 50+ Center Free glaucoma screenings will be offered to check for visual clarity and extended distance. Call 410313-7680 for an appointment.

Wednesdays, Starting April 18, 10 a.m. to 12:30 p.m. — Living Well…Take Charge of Your Health, Medical Pavilion at Howard County General Hospital, 10710 Charter Drive, Suite 100, Columbia, MD 21044 Learn techniques to cope with chronic conditions such as high blood pressure, diabetes, heart disease and obesity. Learn exercises to improve strength, flexibility and endurance, and how to communicate more effectively with family and healthcare providers. Cost: $28; for information or to register, call Maryland Access Point (MAP), 410-313-5980. Friday, April 20, 10:45 a.m. — Earth Day Events, Glenwood 50+ Center Join a 20-minute clean up to keep our grounds clean and enjoy a lecture by Larriland Farms on local foods. Bring garden gloves and a sun hat; we’ll have water and bags! Free; call 410-313-5440 to register.

The Senior Connection is published monthly by the Howard County Office on Aging, Department of Citizen Services. We welcome your comments and suggestions. To contact us, or to join our email subscriber list, email seniorconnection@howardcountymd.gov with ‘subscribe’ in the subject box. Howard County Office on Aging

6751 Columbia Gateway Drive, Columbia, MD 21046 410-313-6410 | www.howardcountyaging.org www.Facebook.com/HoCoCitizen Dayna Brown, Administrator Advertising contained in the Beacon is not endorsed by the Howard County Office on Aging or by the publisher.

Monday, April 23, 10 a.m. to 1 p.m. (Elkridge Senior Center), Wednesday, April 25, 10 a.m. to noon (N. Laurel 50+ Center) and Friday, April 27, 10 a.m. to 2 p.m. (Ellicott City Senior Center) — Shingles Vaccinations Shingles Vaccines will be offered for those ages 60 and older; call Elkridge 410-313-5192, Ellicott City, 410-313-1400, or North Laurel, 410-313-0380, to make an appointment. Vaccine is covered under Medicare Part D and some insurance plans; bring prescription drug card, and cash or check if co-pay applies. Tuesday, April 24, 11 a.m. to noon (shop ‘til 3) — Spring Fever Fashion Show Refresh your wardrobe at a Taylor Marie fashion show & shopping event. Call 410-313-7213 or stop by the front desk for reservations. Want to model during this event? Call 410-313-7469 to sign up.

Thursday, April 26, 10 a.m. to 2 p.m. — Vision and Glaucoma Screening, Longwood Senior Center Maryland Society for Sight will offer free screenings. Call 410-313-7217 to schedule an appointment. Tuesdays, Starting May 8, 10 a.m. to 12:30 p.m. — Living Well with Diabetes, YMCA of Central Maryland, 4331 Montgomery Rd., Ellicott City, MD 21043 Learn techniques to cope with diabetes, as well as exercises to improve strength, flexibility and endurance, and ways to communicate more effectively with family and healthcare providers. Cost: $28; for information or to register, call Maryland Access Point (MAP), 410-313-5980.

Tuesdays, May 8, 15, 22, 1 to 2:30 p.m. — Pets Are Us: Explore the Connection, Glenwood 50+ Center Explore the history of our connection to pets, care and bereavement, featuring guest speakers from the veterinary community and others. Free; sponsored by Pets On Wheels and SPRING: Senior Peer Resources, Individuals, Networks and Groups. Contact Karen Hull, 410-313-7466 or email khull@howardcountymd.gov, or register at Glenwood.

Cheer on Our Senior Idols Come cheer on Howard County contestants Mary Ann Evangelista, pictured, right, and Mary Ratcliffe, left, as they compete for the title of Maryland Senior Idol 2012. The finals will be held April 4 from 1 to 3 p.m. at the Bowie Center for the Performing Arts, 15200 Annapolis Road in Bowie. Tickets are $6, on sale at the Ellicott City Senior Center. For more info, call 410-313-1421.

A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

Money Law &

LOOK NORTH FOR INVESTING Canadian stocks and bonds offer an opportunity to diversity your portfolio. The Canadian stock market has long been one of the world’s top performers CAMPAIGN CONTRIBUTIONS Learn the ground rules of political contributions, from individual donations to Super PACs, to support your candidate in April’s primary or November’s general election

Mistakes that even smart investors make Everybody knows somebody who pur- mistake. To illustrate how prevalent it is, ports to be an investment maven. You might Morningstar tracked the performance of even like to consider yourself the least popular fund cateone. gories from 1987 through 2000 However, while we always (“popularity” was gauged by hear about the winning picks the amount of cash flowing into these favored few make, we and out of funds). don’t commonly hear about The study showed that the their mistakes. And, to hear three least popular categories Larry Swedroe tell it, “smart” of funds beat the average fund investors make mistakes all 75 percent of the time, and the time. beat the most popular funds Swedroe, a money manag90 percent of the time. THE SAVINGS er and columnist for CBS GAME Failing to consider the MoneyWatch.com, has writ- By Elliot Raphaelson costs of an investment strateten a book with R.C. Balaban, gy. Active investors often like to Investment Mistakes Even Smart Investors scan the business press for investment ideas. Make (McGraw Hill, $28), which discusses Swedroe discusses a typical article from 77 common pitfalls. Business Week that profiled a successful anaThe book has been praised by John lyst and his stock-picking results, which sigBogle, Burton Malkiel and William Bern- nificantly outperformed the Dow Jones Instein, financial experts I respect. Whatever dustrial Average and S&P 500 index. kind of investor you are, you would do well What pitfalls awaited the individual into understand and avoid these errors. vestor who wanted to borrow some ideas from this analyst? To begin with, the day Four biggest mistakes after the analyst’s selections were made Here are four that stand out in my expe- public, the prices of those stocks increased rience. an average of 8.8 percent. Not many small Projecting recent trends into the in- investors likely got in ahead of that increase. definite future. Many investors make this Also, most of the analyst’s recommend-

ed stocks were small-cap stocks with much higher trading costs. For some of the recommended stocks, there was a significant difference between the bid and ask price (amounting to 4.3 percent). Then there would also be commission costs. After considering all these factors (which did not include tax consequences), a reasonable estimate of all the trading costs to replicate the analyst’s portfolio would have resulted in a total return less than that of the Dow Jones Industrial Average and S&P 500 index. Blindly believing in hedge fund managers. Hedge fund managers try to outperform indexes such as the S&P 500 by buying and selling based on their perception of market mispricing. AQR Capital Management studied five years of hedge fund data ending January 31, 2001. During that period, the average hedge fund returned 14.7 percent per year; meanwhile, the S&P 500 index outperformed the hedge fund average by almost 4 percent yearly. Data from 2003 through 2010 show that the HFRX Global Hedge Fund Index had an annualized return of 2.8 percent, which underperformed every major equity asset class. Many hedge fund managers are compe-

tent. However, the high fees that hedge funds charge, which range from 1 to 2 percent per year, plus 20 percent of profits, make it very difficult for them to outperform equity indexes. Not understanding the arithmetic of active management. In 1991, finance professor William Sharpe wrote an article in a professional journal titled “The Arithmetic of Active Management,” in which he proved that active management, in aggregate, is a loser’s game. Sharpe showed that this is true not only for the broad market, but also for subsectors. Active investors, on average, may expect exactly the same returns on a pre-expense basis as passive investors. To be sure, some investors will earn more than others, but some will earn less. The average expectation, again, will be the same as passive index investors — before expenses. However, because expenses will be much higher for an active investor than for a “buy and hold” investor in an index fund, the active investor will have worse results on average. It may be more exciting to be an active trader, but it will not likely pay off with higher returns. See MISTAKES, page 19

Stock up on stocks that invest in staples By Anne Kates Smith How bad would things have to get before you stopped putting ketchup on your fries? What kind of Armageddon would keep you from buying toilet paper, diapers or detergent? If you can’t imagine life without the products in your pantry, linen closet or laundry room, then you know why shares of companies that make consumer necessities have performed well, even in a dicey economy. In 2011, Standard & Poor’s 500-stock index returned a mere 2.1 percent, but consumer-staples stocks in the index gained 7.5 percent. Will staples deliver again this year? In light of some recent positive data, some advisers are casting an eye toward stocks that do better in an improving economy. But staples provide the defensive ballast

that portfolios still need in uncertain times like these. Sam Stovall, a strategist at Standard & Poor’s Capital IQ, recommends an outsize position in both economy-sensitive stocks and staples. Moreover, S&P sees staples firms delivering better earnings growth this year than the typical U.S. firm, and the sector yields 3.1 percent, compared with 2.3 percent for the S&P 500. Many staples producers operate globally and are well-positioned to benefit from rapidly growing wealth in emerging nations. Plus, rising materials costs should moderate this year, easing pressure on profit margins.

Look at ETFs Exchange-traded funds (ETFs) are a low-cost way to invest in staples, delivering exposure to a number of companies on the

cheap. Consumer Staples Select Sector SPDR (symbol XLP) charges only 0.20 percent of assets per year for expenses. Vanguard Consumer Staples ETF (VDC) charges a hair less, just 0.19 percent. Both funds hold roughly 20 percent of assets in retailers that derive significant revenues from groceries or from essential drugstore items. The Vanguard and SPDR ETFs each returned 11 percent in 2011. If you prefer active management, consider Yacktman Fund (YACKX), which holds a fair share of staples. Jensen Quality Growth I (JENIX) is also a good choice.

General Mills and Heinz If you favor individual stocks, look for companies with a strong product mix and a record of innovation. General Mills (GIS) is a good example. The stock, about one-third as volatile as the

market overall, recently traded at $41, or 15 times year-ahead estimated earnings. Procter & Gamble (PG) is the quintessential staples company, with more than 20 billion-dollar brands. Since 2001, P&G has doubled its sales from emerging nations. At $65 a share, the stock sells at 14 times estimated year-ahead earnings. H.J. Heinz (HNZ) makes not only ketchup but also the Ore-Ida French fries and Tater Tots to squirt it on, and Weight Watchers dinners to help take off the pounds afterward. At $52 a share, the stock yields a tasty 3.7 percent. Anne Kates Smith is a senior editor at Kiplinger’s Personal Finance magazine. Send your questions and comments to moneypower@kiplinger.com. And for more on this and similar money topics, visit www.Kiplinger.com. © 2012 Kiplinger’s Personal Finance

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Don’t overpay when filing 2011 tax return By Elliot Raphaelson As in most years, there are several changes in the tax code that may have an impact on your 2011 tax return. Whether you prepare your own return or hire someone to do it for you, you should know what changes have been made. Even if someone else prepares your return, you are responsible for its accuracy. Certain changes, such as the increase in the standard deduction, will be apparent when you fill out your tax forms. The maximum 2011 liability for your Social Security is $4,485.60. Make sure your employers have not withheld more than that. If you have worked for more than one employer, it is possible that more has been withheld than your maximum liability. Attach all copies of form W-2 to your return to ensure you are credited with any overpayment.

was 19 cents a mile for the first six months, and 23.5 cents for the last six months. The credit for energy-efficient improvements to the home has been reduced to 10 percent, with an overall limit of $500 that is reduced by prior credits. If you converted from a traditional IRA to a Roth IRA in 2010, and you selected the special two-year deferral rule, you must report half of the 2010 conversion income as a taxable IRA distribution for 2011. Depending on your income, you may qualify for a tax credit on contributions to a qualified retirement plan. The credit may be equal to 10, 20 or 50 percent of the retirement contribution, depending on your adjusted gross income. The income brackets have gone up this year, and those whose adjusted gross incomes are $28,250 ($42,375 if head of household; $56,500 if married filing jointly) or less qualify. (Note that this credit, and any other credit you are entitled to, reduces your tax liability on a dollar-for-dollar basis, making it more valuable than a deduction.)

Confusing changes Other changes may be confusing. In the middle of last year, the IRS mileage allowance changed. For the first six months of 2011, the deductible business mileage rate was 51 cents a mile; for the last six months, the rate was 55.5 cents. For medical and moving expenses, the deduction

funds consisting of multiple asset classes.” It has been my observation that investors who try to select individual securities, to time the market, and to manage their portfolios actively are less successful than passive investors with well-considered investment objectives and diversified portfolios. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. © 2012 Elliot Raphaelson. Distributed by Tribune Media Services, Inc.

Best advice: Diversify After discussing the many mistakes investors make, Swedroe and Balaban conclude with 12 recommendations. In my opinion, this is the best one: “Build a globally diversified portfolio of passive investment vehicles such as passive asset class funds, index funds, and exchange-traded

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From page 18

this fund is $6,250 (your initial purchase of $5,000 plus the $1,250 you paid in taxes for the dividends). On your 2011 tax return, you should be reporting a long-term “loss” of $250 ($6,000 minus $6,250). You would also be reporting dividend income for 2011 of $250. Your mutual fund should be able to provide you with the back-up information you need. • Real estate points. If you refinanced your mortgage in 2011, you may prorate any points you paid over the length of the new mortgage. For example, assume you paid your financial institution $3,000 in points for a 15-year refinanced mortgage at the beginning of 2011. You are allowed to deduct $200 a year for 15 years. • Health insurance for business owners. If you own your own business, or have self-employment income, and file Schedule

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ductions you are entitled to. I recommend that you review www.kiplinger.com for a comprehensive list of commonly overlooked deductions. What follow are three important ones, to which I’ve added some elaboration. • Reinvested dividends. If you own mutual funds, and have interest and dividends reinvested into the funds, the mutual fund informs you and the IRS annually of the amount of earnings that are taxable for the prior year. If you eventually sell some or all of your shares, make sure that you do not report gains on which you have already paid taxes. For example, say you invested $5,000 in a common stock fund. For five years (prior to 2011) you received a total of $1,250 in dividends, and you paid taxes on that amount. You sold all your shares at the end of 2011 and received $6,000. You also received $250 in dividends in 2011 that was reinvested into the fund. Your “basis” in

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Diversifying? Don’t forget Canadian stocks By Mark Jewell Building a truly diversified portfolio means going global. Many advisers suggest investors supplement their U.S. investments with stocks and bonds from fast-growing nations like China and Brazil. Growth prospects are grim in Europe, but there may be bargains to be found in the continent’s depressed markets. But it can be easy to overlook opportunities much closer to home. Think Canada. Many foreign stock mutual funds focus on developed markets in other areas of the world, but overlook our northern neighbor. Instead, foreign diversified funds may include investments from heavily indebted nations. That’s too bad, because the Canadian stock market has long been one of the world’s top performers. The lone U.S. mutual fund specializing in Canadian stocks, Fidelity Canada (FICDX), has earned its investors an average annualized return of 12.2 percent over the last 10 years. By comparison, funds tracking the Standard & Poor’s 500 index averaged about 3 percent a year. Fidelity Canada’s five-year record ranks first among more than 100 of its foreign large-growth fund peers, according to Morningstar.

Strong bond market, too Bond investors may also be missing out

on an opportunity to the north. Although 10-year government bonds in Canada and 10-year Treasury notes in the U.S. both offer yields of around 1.9 percent, the risks to achieve that return are arguably much smaller with Canada’s bonds. Canadian leaders have proved more fiscally adept than their counterparts in Washington, where partisan dysfunction has left the U.S. government owing roughly as much as the nation’s economy produces in a year. In contrast, Canada owes less than half the value of its economic output. Canada’s fiscal strength and political stability are key reasons why one top U.S. multisector bond fund holds about 9 percent of its portfolio in Canadian government bonds, while avoiding U.S. Treasurys. “Canada is very much in a sweet spot now,” said Elaine Stokes, a co-manager of Loomis Sayles Bond (LSBRX), which Morningstar currently gives a gold-medal rating. Stokes views the U.S. Treasury market as “scarier” than Canada’s government debt market. She cites Treasury market volatility, in part because of steps the Federal Reserve has taken to prop up the economy, and uncertainty over the Fed’s next moves. Then there was last summer’s downgrade by Standard & Poor’s, which cut the U.S. government’s credit rating to AA+ from the top rating, AAA. Canada remains AAA.

reason why the Canadian stock market fell 11 percent last year.) Surprisingly, mutual fund investors have relatively few options to invest in Canada. Besides the Fidelity Canada mutual fund, five exchange-traded funds (ETFs) track segments of Canada’s stock market. A sixth ETF, recently launched by PIMCO, invests in Canadian bonds. The biggest is iShares MSCI Canada Index (EWC), with $4.6 billion in assets. There’s plenty of emerging competition, however. Five of the Canada ETFs have been launched within the past two years.

Some cautions Here are some tips for U.S. investors considering Canada: • Think small: Canada’s stock market represents about 4 percent of the value of stocks globally. Investors seeking broad diversification probably shouldn’t allocate more than that amount to their portfolio. It’s important to remember that investors may already hold some Canadian investments within diversified international funds. Certain index funds, such as those tied to the MSCI World index, include Canada among the developed markets they invest in. But funds tracking another popular

From page 19

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C, and you are eligible for Medicare, you can deduct premiums on your return for you and your spouse. You do not have to itemize in order to take this deduction. You are allowed this deduction only if you do not have a subsidized health plan from your employer or your spouse’s employer. If you previously filed a return without deducting Medicare premiums, you can file an amended return to refigure the deduction.

File electronically for free Another tip: Taxpayers with adjusted gross incomes under $57,000 can file their

See CANADIAN STOCKS, page 21

returns electronically for free through the IRS website www.freefile.irs.gov. The agency has agreements with tax preparation companies to provide the service, and you can choose which one you would like to use. If your income is higher than that threshold, you can always use the Fillable Forms that the IRS provides at www.irs.gov. The forms do basic math calculations and allow you to file electronically at no charge. No support is provided with the Fillable Forms, nor are state returns included. The IRS calls it “the simple electronic equivalent of paper forms.” © 2012 Elliot Raphaelson. All rights reserved. Distributed by Tribune Media Services, Inc.

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Stokes sees plenty of other reasons to like Canada: • The economic recovery from the recession has been more rapid in Canada than in the U.S. Canada’s unemployment rate is 7.5 percent, a percentage point below ours. • Canada’s outlook is improving because the U.S. recovery is gaining momentum, with unemployment at its lowest level in nearly three years. The nations’ fortunes are strongly linked because Canada is the largest trade partner of the U.S. It sends more than 70 percent of its exports across its southern border. Says Stokes: “As the U.S. goes, so goes Canada.” • She likes the long-term outlook for energy and materials producers, which make up about half the market value of Canada’s major stock index, the S&P/TSX Composite. Canada has a wealth of oil, natural gas, minerals and agricultural staples, and boasts companies such as oil and gas producer Suncor Energy and gold miner Barrick Gold. Global demand for those commodities has been rising because of strong economic growth in emerging markets like China. It’s a trend that’s expected to continue, making Canada an attractive investing option. (However, slower short-term growth prospects in emerging markets hurt commodities demand last year. That’s a key

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How to contribute to political candidates By Michael Stratford Knowing the rules of the game will help you decide how best to support your candidate. 1. The sky is not (always) the limit. Individuals may donate up to $2,500 per candidate per election (the primary and general elections are counted separately), up to $30,800 to a national political party annually, and up to $10,000 to state, district and local parties combined each year. Individual donations to issues-oriented political action committees (PACs) are capped at $5,000 per year. However, anyone may contribute unlimited sums to nonprofit advocacy groups — often dubbed 501(c)(4)s — and to independent-expenditure-only committees, called “Super PACs.”

2. Make a connection. A direct donation to a candidate’s campaign often offers the most bang for your buck, said Michael Beckel, spokesman for the Center for Responsive Politics. A contribution of, say, $1,000 might yield, depending on the district, special access to current or future elected officials, Beckel said. Campaigns prefer direct donations (even if they’re small), especially early in the race. 3. Donate to a cause. If you are more concerned about a particular issue than electing a candidate, you might want to donate to an advocacy group — such as Planned Parenthood — which can then decide where your money is needed most. PACs may use contributions to promote their viewpoint, but they are prohibited from expressly promoting or attacking a

candidate. Super PACs may promote or critique a specific candidate, as long as they don’t coordinate with another candidate or a political party. 4. Follow the money. Candidates are prohibited from spending campaign money on personal expenses, such as a new car or baseball tickets, but PACs and Super PACs aren’t bound by those rules. Still, PACs and Super PACs must disclose their spending in regular reports, which are available on the Federal Election Commission’s website, www.fec.gov. 5. Let the sunshine in. At the federal level, if you donate more than $200 to a candidate, political party, PAC or Super PAC, your name, address, occupation and the amount of your contribution will become publicly available through FEC fil-

ings. Large contributors, however, frequently donate privately to a 501(c)(4), which may turn the money over to a Super PAC, effectively skirting the disclosure requirements. 6. Give to a nonprofit twin. Nearly every advocacy group, from the National Rifle Association to the Sierra Club, has a related 501(c)(3) charity. So, if you want to support an organization in a general sense, a contribution to its charitable operations could be a good bet. Such contributions may not be used directly for political purposes, but if you itemize deductions, you will be able to write off the contribution on your federal tax return — something you can’t do with political contributions. © 2012 Kiplinger’s Personal Finance

Canadian stocks

those of commodities producers globally, Morningstar analyst Samuel Lee said. An investor who already has substantial investments in companies that produce energy and raw materials should probably avoid a Canada-focused fund. • Buckle up: Expect volatility north of the border. That’s because Canada’s many commodities stocks typically rise faster and fall harder than other stocks. • Don’t get overexposed to North Amer-

ica: Because economic links between Canada and the U.S. are strong, stock markets in the two countries often work in sync. The bigger role that commodities play north of the border differentiates Canada, but correlation between the two markets can still be tight. So the diversification benefit of investing in Canada can be limited. Loomis Sayles’ Stokes also cautioned that Canada is vulnerable to risks from the European debt crisis. One of her fears is

that the crisis worsens, sending Europe into a deep recession. That could jeopardize the U.S. recovery, and in turn Canada’s. But she still likes Canada’s solid fiscal health and strong prospects for its energy and materials producers to profit from long-term global economic growth. “We understand there will be volatility,” she said. “But if you take a long-term view, it’s hard to not make a case for a country like Canada.” — AP

From page 20 index, the MSCI EAFE, invest in countries such as Greece and Portugal, but not Canada. If you’re concerned about your mix of investments, check the list of countries in the index the fund tracks. • Avoid overdoing it on commodities: Canada’s economy is very dependent on commodities, so its stocks closely track

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This event showcases everything those who currently live in or outside the county need to know about buying or renting a home. The fair will offer attendees the chance to talk one-on-one with mortgage lenders, homebuilders and remodelers, housing specialists, real estate experts and county personnel. The event begins at 10 a.m. on Saturday, April 14 and concludes at 2 p.m. at Long Reach High School, 6101 Old Dobbin Ln., Columbia. For more information, visit www.howardcountyhousing.com or contact Christopher Julien at (410) 313-6318 or cjulien@howardcountymd.gov.

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Travel

Leisure &

Travel insurance — to buy or not to buy? See page 25.

Live like a Greek on the island of Rhodes freshly prepared simply and deliciously. Seas that range in a spectrum of color from light turquoise to dark blue. Virtually countless archeological sites that trace the roots of much Western civilization. And people whose love for life casts an infectious spell even upon those who are there for an all-too-brief visit.

Not a trip; a way of life

PHOTO BY PANAGIOTIS KARAPANAGIOTIS/DREAMSTIME.COM

When planning where to go in Greece, Fyllis and I followed our own rule: The more travelers try to see, the less they often do. By focusing on a single island, we were able to discover its allure and attractions at our own pace. Through our stay on Rhodes, Greece became a temporary way of life, interspersed with visits to ancient ruins, tiny towns, magnificent handiworks of nature, and other attractions that combine into a microcosm of the entire country. For anyone who is not a dedicated museum-goer, Rhodes provides the perfect setting. The entire island is a veritable outdoor museum, with reminders everywhere of cultures and customs of peoples who have influenced it. The seafaring Phoenicians, Persians, Roman Empire and Ottoman Turks are on the long list of powers that once held sway over the island. A logical starting point for exploration is the city of Rhodes, perched at the northernmost tip of the island of Rhodes, on the site where an ancient settlement rose more than 2,400 years ago. Monuments from every period since then stand in silent testimony to its long history. Surprisingly, the old walled section is the largest inhabited medieval town in Europe, and one of the best preserved and most beautiful. Separated by its massive walls from The city of Rhodes contains the largest inhabited methe tourist-oriented new dieval town in Europe. This castle, built by the Knights area that has sprouted of St. John of Jerusalem, consists of 205 rooms and today houses the Archaeological Museum of Rhodes. around it, the ancient forti-

PHOTO BY ANDERS LUNDSTEDT/DREAMSTIME.COM

By Victor Block “You’ll lose your mind spending two weeks on Rhodes,” we were warned. “Sure, some of the beaches are lovely, and the water is Aegean blue. But that’s about it. Two or three days there is enough.” Spoken by a friend of Greek background, those words made me and my wife Fyllis wonder if we had made a mistake. But it was too late. Airline tickets had been bought; hotels had been booked. Fast forward two months. On our flight back home, we recalled that warning and agreed that we had made a mistake. We should have stayed on Rhodes even longer. It’s not easy for a country like Greece to live up to its reputation. That’s even more true for an island like Rhodes — only 50 miles long and 24 miles across at its widest point. Yet we found that many of the delightful images the word “Greece” brings to mind were fulfilled there, in an area compact enough to explore at leisure. Whitewashed villages gleaming in the sun. Fishermen returning to port with an aquarium-like variety of ocean life, to be

Whitewashed houses dot the picturesque coastal village of Lindos on the Greek island of Rhodes. Lindos has its own acropolis and Temple of Athena, along with other archaeological ruins and a popular beach.

fications and structures manifest an atmosphere of the Middle Ages as authentic as that found anywhere. Fyllis and I returned several times to follow the narrow cobbled lanes wherever they led. A number of the most impressive structures date back to the period between 1307 and 1522 C.E., when the Order of Knights of St. John of Jerusalem ruled in Rhodes and left imposing evidence of their presence. (The Order had been established in Jerusalem as part of the First Crusade. When Jerusalem fell to the Muslims, the Order moved to Rhodes, where it built a navy to continue its battles.) The Street of the Knights, lined by former residences, leads to the fortress-like Grand Master’s Palace. Three delicate apses are the only reminders of the Church of the Virgin Mary. The Archaeological Museum is housed in what served as the main hospital of the Knights. Hippocrates Square, the Old Town’s main shopping area, today is lined with restaurants and bars housed in imposing stone buildings.

Archaeological treasures Further south on the island, the town of Lindos vies with Rhodes as a magnet for visitors, despite its population of only about 1,100 people. It’s the quintessential Greek

village portrayed on travel posters. A smattering of white houses, dazzling in the sunlight, perches on the side of a steep hill. Looming above is the acropolis, a cliff topped by graceful columns — remnants of the Temple of Athena, the protectress of Lindos and goddess of arts and crafts. The archaeological treasures of Lindos extend around the acropolis. I found especially intriguing an outdoor auditorium carved into a rocky cliff that could seat 1,800 spectators. Standing at the base of the amphitheater in the silence of an afternoon, I could visualize the scene when an audience gathered to be entertained by a play or other presentation. Because of its location hugging the eastern shore of Rhodes, about halfway between its northern and southern tips, Lindos is well located for day trips to other beaches, towns and nearby attractions. Like many destinations in Europe, Rhodes is lined by beaches that range from soft sand to rounded pebbles. The best are strung along the east coast, and they can be crowded during the high season. That’s certainly true of the sand beach at Lindos, which balances what can be a crush of bodies during summer with magnificent views of the town and its acropolis. See RHODES, page 24

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Rhodes From page 23 The beach at Kalithea, a short drive south of the city of Rhodes, is adjacent to several coves that offer good swimming and snorkeling. Tsambika, a bit further on, has golden sand lapped by turquoise water. Despite the allure of soft sand and searing sun, Fyllis and I managed to tear ourselves away from such pleasures to delve further into the historic sights of Rhodes. Driving through the countryside, over roads that snake over rolling hills and low mountains, we passed through landscapes changing from arid, rocky terrain near the coastline to verdant forests of the interior. Goats seemed to be everywhere, grazing on grass at the foot of fruit trees and in olive groves, and tethered anywhere there’s a tiny plot of grass. Pausing for a stroll through the extensive ruins of ancient Kamiros immersed us in the lifestyle of the original inhabitants during the 6th and 5th centuries B.C.E., when it was a thriving city. The site spills dramatically down a hill overlooking the sea. On the top level stood a temple complex of Athena, from which the revered goddess could gaze out over the setting. A covered

reservoir, large enough to supply several hundred families, furnished water through a system of underground terra cotta pipes. The main settlement, on a lower terrace, consisted of a grid of streets and houses adorned with mosaic floors and painted wall decorations. The remains of public baths include hot and cold chambers, and an underground system for heating the rooms.

Mountain village life Tiny, unspoiled mountain villages are scattered throughout Rhodes. In many ways they have changed little over the generations. Things move at a slow pace (except when people are driving a car or motorbike). Many town folk cling stubbornly and proudly to their traditional ways, while a few take advantage of the influence of tourism by opening a small shop or restaurant with a few outside tables. Archangelos, the largest village on the island, covers a low plateau rimmed by mountains. Its residents are known as master artisans who make pottery and weave carpets and tapestries using the same timehonored methods as their forebears. Anyone driving into the village of Appolonia need only follow the wonderful

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aroma to find the little bakery of the same name. The nine women who own the enterprise bake breads and cakes that were mentioned in The Iliad, Homer’s epic poem about the Trojan War, using recipes handed down by generations of local families. They also make and sell olive oil and liqueurs. If you’re ever there, be sure to sample the melekouni, a sweet pastry revered in Homer’s texts, and “spoon sweet,” a popular Greek dessert flavored with a variety of fruits. Kritinia is one of the prettiest villages on Rhodes. Perched upon a hillside, the town of about 550 inhabitants offers panoramic views of the sea in one direction and, in the other, of Mount Attavyros, at 3,985 feet the tallest spot on the island. Those who hike or drive up the mountain find ruins of a temple to Zeus.

Tavernas and churches For an excellent meal, and an opportunity for pleasant encounters with friendly locals, stop at one of the small tavernas that you pass when driving between and through the villages. In many cases, the owners are the cooks and wait staff. Even if they speak no English, they will go out of their way to help you order. Several times we were invited into the kitchen to see what was available and point to what we wanted. Almost as ubiquitous throughout Rhodes as tavernas are churches, and they come in all ages and sizes. While guidebooks describe the major religious edifices that attract most visitors, including ruins from centuries past, Fyllis and I found especially inviting the tiny white chapels that are scattered around the island. Many of these little structures, some of which can accommodate only a handful of worshippers, are located along isolated side roads in rural areas. Such miniscule places of worship stand in contrast to massive cathedral-like buildings that date back to

times when Rhodes was a power in the ancient world. The atmosphere in the cities of Rhodes and Lindos is very different from that experienced in villages elsewhere on the island. That diversity accounts for much of the appeal of the island, and introduces those who go there to much that Greece has to offer.

If you go While any time is a good time to visit Rhodes, mid-summer has the highest daytime temperatures and largest crowds, and the most rain falls between October and March. Early spring and late fall are perhaps the best times to go. Unrest in Greece has been in the news recently, but it has primarily been confined to Athens. We encountered none on Rhodes, where life went on as always, and have heard about none there since our return home. We stayed for a week in the city of Rhodes and for another week in Lindos. The Hotel Atlantis in Rhodes is well located in the old section of the city, a short walk from the beach and near a number of tavernas. Rooms are not large but are clean and modern. Double room prices, including a lavish breakfast, begin at about $175 (depending on the exchange rate). For more information, log onto www.atlantisgroup.gr. At a rate of about $85 for two people, including both breakfast and dinner, the Lindos Sun hotel is a real bargain. It is perched on a hill with a beautiful view of the sea, and has good-sized rooms, a swimming pool, and a pleasant terrace and outside bar. The hotel is open from May through October. For more information, log onto www.lindos-sun.com. US Airways, partnering with Aegean Air, has the lowest mid-April fare departing from BWI, $1,066 round trip. For more information, call the Greek National Tourism Organization at (212) 421-5777 or log onto www.visitgreece.gr.

Are you online? So are we! Visit our website: www.theBeaconNewspapers.com This full-time, outside sales position pays a base salary plus commissions and benefits. We’re looking for a hard-working, detail-oriented people person. Must be outgoing, love selling, be comfortable with computers, e-mail and contact management software (such as ACT!), and be willing to follow direction, complete required paperwork, and participate in weekly training and sales meetings at our office. If you love the Beacon — and would be excited to call and meet with potential advertisers throughout the Greater Baltimore and Howard County areas — send your resume and cover letter to Alan Spiegel, Director of Sales, at: alan@theBeaconNewspapers.com.

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Insure your trip to ensure peace of mind By Ed Perkins • Make sure that you buy your insurance Don’t forget to consider travel insurance early enough to get a “waiver for pre-existing when you plan your upcoming medical conditions.” That waivtravels. Decide if you need it er generally avoids hassles and figure the cost into your about whether or not an ongobudgeting. ing medical problem qualifies Chances are it won’t be a for coverage. Typically, you budget-buster, but failure to have to buy the insurance withbuy the right coverage could, in 10 days or so of the time you in fact, bust your budget bemake your first payments. yond any expectations. • Shop around for the best When do you need travel indeal — you can find 300 persurance? I suggest that you concent differences among poliTRAVEL TIPS sider two important coverages: cies with essentially the same By Ed Perkins • You need trip cancellation coverage. insurance (TCI) any time you have to • Make sure you understand the fine make large nonrefundable prepayments or print. Most TCI policies cover only “perils” face cancellation penalties that are more that are specifically named in the fine than you can afford should you unexpect- print. Often, events like civil unrest are not edly have to cancel a trip. covered. Furthermore, most policies do • You probably need medical insurance not cover cancellation unless and until a if your regular health insurance doesn’t named peril actually occurs. You can’t cancover you adequately when you’re out of cel just because you anticipate a problem the United States. That includes every- or feel uneasy about a destination. body on Medicare and many others. • Avoid “opt out” insurance that a tour John Cook, President of Quotewright, a operator, cruise line or airline may offer, leading online travel insurance agency don’t automatically accept the first policy (www.quotewright.com), recently distrib- that a travel agent offers, and don’t accept uted his checklist of travel insurance tips, “waivers” instead of real insurance. which I find generally appropriate. In sum, Cook says (with a few of my personal When not to buy insurance tweaks): To those sound recommendations, I add

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four of my own: • If you don’t have expensive prepayments that are nonrefundable or carry a big cancellation penalty, you don’t need TCI, so buying it is probably a waste of money. • Unless the price is prohibitive, buy TCI that includes a “cancel for any reason” provision. “Any reason” coverage means that you — not an insurance company bean counter — get to make the go/no go decision. • If you need medical insurance, get a policy that provides primary coverage. That means the insurance company will pay all the costs up front — not just what you can’t first recover from your other medical insurance. Even travelers with regular health insurance might want to purchase primary travel medical to avoid the problem of having

to pay a big bill on the spot, then go through a drawn-out claims process after they return. • Consider minor coverages — personal property, lost baggage, delayed baggage, delay expenses and such — as a plus when they’re included in a good bundled TCI or medical program. But they often duplicate coverages you have from other sources, so don’t pay extra for them. Quotewright is one of several online insurance comparison sites and sales agencies that I recommend. Other good comparison sites include 1Travelinsurance (www.1travelinsurance.com), G1G (www.g1g.com), InsureMyTrip.com (www.insuremytrip.com), Squaremouth (www.quotetravelinsurance.com) and Total Travel Insurance (www.totaltravelinsurance.com). © 2012 Tribune Media Services, Inc.

BEACON BITS

Ongoing

MENTOR STUDENTS

Volunteer mentors are needed for elementary school students (and a few for older students as well) to meet in small groups during the day or after school. Organized by A-OK (Assist our Kids) Mentoring-Tutoring, Inc., the program asks for a commitment of one hour per week during the school year. For further information, contact Caya Kaplan at aokmentor@gmail.com or (410) 730-6030.

Grand Hotel on Mackinac Island

Upcoming Trips Colonial Williamsburg, Virginia Sunday-Tuesday, April 29-May 1, 2012 (3 days/2 nights) You’ll stay at the Williamsburg Woodlands Hotel, from where you’ll experience 17th- and 18th-century American life and history first-hand. $499 pp, dbl. occ. Gardens of the Brandywine Valley Sunday-Tuesday, May 20-22, 2012 (3 days/2 nights) Lush floral and topiary gardens, beautiful landscapes, and magnificent homes are the hallmarks of this perfectly timed spring trip. You’ll tour the former Du Pont estates of Longwood Gardens, Winterthur, and Nemours Mansion during the peak spring bloom; and more. $499 pp, dbl. occ. Northern Michigan (Mackinac Island, Sault Ste. Marie, Frankenmuth) Saturday-Friday, June 23-29, 2012 (7 days/6 nights) The Great Lakes State is a natural wonderland. You’ll tour Frankenmuth and Mackinac Island, cross the iconic Mackinac Bridge to explore the picturesque Tahquamenon Falls, cruise through the Soo Locks, try your luck at Kewadin Shores Casino, and much more. This is a trip that you won’t want to miss. $1099 pp, dbl. occ. Montreal and Quebec, Canada Sunday- Saturday, July 22-28, 2012 (7 days/6 nights) Experience the old-world charm of the French-Canadian Quebec province. This tour of Quebec City and Montreal includes Montmorency Falls, Ste. Anne de Beaupré Shrine, Quebec’s Notre Dame Basilica, and a harbor cruise. You’ll stay in central city locations, where you can walk to the best each city has to offer. $1495 pp, dbl occ. Free parking convenient to Beltway (I495) and ICC (MD200) Call us for details about these and our other fun-filled trips

Travel with Louise makes group travel easy and fun. Travel with Louise, Ltd.

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A P R I L 2 0 1 2 â&#x20AC;&#x201D; H O WA R D C O U N T Y B E A C O N

Expo & Conference May 3-5, 2012 Gaylord National Hotel and Conference Center National Harbor, Maryland

Expo - A Showcase of 100+ Exhibitors Conference - Professional & Consumer Training Opportunities Job Fair Ronald D. Paul Kidney Walk Entertainment Live Cooking & Fitness Demonstrations Raffles Educational Sessions on Medicare Issues How to Avoid Being a Victim How to Access Program Information, and much more! n n

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www.InnovationsInAging2012.com For more information: 410.767.1100

Expo and Job Fair FREE FOR ALL AGES! PRESENTED BY

Maryland Department of Aging

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H O WA R D C O U N T Y B E A C O N — A P R I L 2 0 1 2

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Arts &

Our cover story on local artists continues on page 28 (painting by Mary Jo Tydlacka).

Pro Cantare chorus celebrates 35 years mieres. Its repertoire includes operas, oratorios, spirituals, show tunes, tradition ethnic numbers, and jazz compositions by Duke Ellington and Dave Brubeck. “We perform the choral literature, from the classics to Broadway,” said Dawson, who directs the singers, the soloists and accompanists at the group’s four annual concerts plus one or two performances by its smaller chamber chorus. Singers from the National and Metropolitan Opera companies have appeared as soloists with Pro Cantare. Dawson, who holds a master’s degree in music from the prestigious Peabody Conservatory in Baltimore, previously founded and directed the Louisville Choral Arts Society. She has been cited with a host of honors, including induction into the Howard County Women’s Hall of Fame, and a Howie award given by the Howard County Arts Council for lifetime contributions to the community’s arts scene. Operating the nonprofit Pro Cantare is full-time work, Dawson said. And, as with many nonprofit arts organizations, Pro Cantare is “in a struggle to keep going” in these less-than-booming economic times. Ticket sales cover less than 20 percent of

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By Robert Friedman From NASA scientists to high flying corporate executives, and from people in their 70s to teenagers, more than 100 Howard County residents of all ages and backgrounds meet weekly to raise their voices together in song. The highly acclaimed Columbia singing group called Pro Cantare was founded 35 years ago by Howard County resident Frances Motyca Dawson, who has directed it ever since. Pro Cantare is Italian for “in behalf of singing.” Dawson said the name came from suggestions, “and it appealed to me.” The professionally trained chorus of volunteer singers has performed in and around the area, including at the Kennedy Center and the National Cathedral. It is generally accompanied by professional musicians hired for the occasion, but has also performed with the Baltimore Symphony Orchestra, such as at its debut in 1977, when the chorus and orchestra performed Beethoven’s Choral Fantasy together. Pro Cantare performs a wide variety of works, from the choral classics to lesser known pieces, commissions and pre-

More than 100 singers of all ages and backgrounds comprise the 35-year-old Pro Cantare chorus. Here they perform Handel’s Messiah during one the group’s quarterly concerts.

expenses, so the group relies on corporate and individual donations and an endowment fund for the balance. Dawson says she will stick with the chorale through thin and, perhaps, thinner times, “because I’m devoted to it.”

Quarterly concerts The 110- to 120-member chorale rehearses every Tuesday during the weeks before its seasonal concerts. The Messiah See PRO CANTARE, page 29

Arts & Style | More at TheBeaconNewspapers.com

Artists From page 1 landscapes, but has switched to nudes because that’s where the artistic challenge is — if not the money. Unless you are a Renoir or a Goya, he said, drawing the human figure in the altogether is an “ongoing battle.” Adkins also noted that sales of nudes have been estimated at only about 5 percent of the art market. “I’m not sitting at the easel to pay the mortgage,” he said. “I’m in it for the chal-

lenge, since figure drawing is such a difficult subject to master.” Adkins’ work has been shown in numerous exhibitions on the East Coast, including at Maryland Art Place in Baltimore and the Columbia Art Center. Down the hallway is the studio of Leora “Lee” Smith, who started renting her studio more than 20 years ago as she was celebrating her 70th birthday. She began her artistic endeavors as a weaver, returned to school at 60 to study art at Catonsville Community College, and now, going on 91, works primarily in collages and pastels.

Candlelight Concerts® Saturday, April 14 8:00 PM Pre-concert Discussion at 7:15 PM Smith Theatre Howard Community College Columbia, MD

Pacifica Quartet with Pianist Christopher Shih Program: Beethoven: Quartet in B flat Major, Op. 18, No. 6 Shostakovich: String Quartet No. 9 in E flat Major, Op. 117 Schumann: Piano Quintet in E flat Major, Op. 4

410.997.2324 www.candlelightconcerts.org Funded in part, by grants from the Maryland State Arts Council, the Howard County Arts Council through a grant from Howard County, The Columbia Foundation, and The Rouse Company Foundation.

A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

“I love the collage process.” Smith said. “I keep playing with it, rearranging things.” Raised on a cattle ranch in the wideopen Colorado spaces, Smith has been working on a desert scene collage for many months. The “rocks” in the boxed-in collage, which look just like small stones, are actually painted paper, she said. Her works often depict distant vistas. “I’m very interested in space,” Smith said. “I had a view from the ranch house where I grew up for 50 to 150 miles. I think that’s why I can see colors and the atmosphere so clearly and can create distances.” Hanging from a wall are temari balls, a folk art form Smith picked up in her travels to Japan. The several-hundred-yearsold tradition consists of weaving threads on balls in colorful and mostly geometric and symmetrical patterns. “I do these in my spare time,” she said. “I always will be making something.”

Sailing into art Diana Marta, meanwhile, considers herself a “contemporary expressionist” who works in oils, watercolors, drawings, installations and computer images. She holds a Ph.D. in art education from Penn State, teaches classes at Catonsville Community College (including computer art), curates shows, and has exhibited at galleries and art spaces throughout the Baltimore/Washington region. In a recent project, Marta folded pages from art magazines into paper boats,

signed the boats’ bows to give them “artifact status,” and placed them on an acrylic mirror placed below her flame-colored wall painting of little sailboats on the water. Visitors could take part in the project by scooping up a boat and keeping it, thus changing the spatial relations in the work. Or they could fold their own paper boat and have it set sail on the watery mirror. Marta is currently working on a quilting project being put together by Joan Gaither, who chairs arts education at MICA. Gaither, known as a “documentary story quilter,” has asked several of her artist friends to make autobiographical quilts. Marta is quilting her life story, including pictures and buttons with reminiscences of World War II and her father’s service in the Army, her mother’s nursing activities, and the family’s frequent traveling, which includes images of U.S. Route 66. The quilt also includes fabrics from her childhood, a reproduction of her expressionistic painting of a tomato-red wooden chair, and recent digital images. Marta often paints chairs or places them in her installations because, “I consider chairs to be metaphors for people,” she said. “In my work they sometimes represent me. The vintage chairs from my family history remind me of the people with whom I shared them.” Marta, who puts her age at “well over 50,” is also into digital art, which she sees as “one more medium” in which to make ageless art by artists of any age.

BEACON BITS

Apr. 11+

INTERGENERATIONAL PROGRAM

Share your “living history” with 8th grade history students from the Glenelg Country School through an initial interview about your life experiences on Wednesday, April 11. Then return to hear the students’ papers on your history on Wednesday, April 19. The schedule is the same for both sessions, which are free. Arrive at 9 a.m. for a continental breakfast and stay through a catered lunch at 11:30 a.m. The school is located at 12793 Folly Quarter Rd., Ellicott City. Register by April 4 by calling Trisha Olsen at (410) 3130389 or emailing tolsen@howardcountymd.gov.

Apr. 19

ONE-ON-ONE COMPUTER ASSISTANCE

High school students from the PC Systems Academy will offer one-on-one assistance to help seniors set up, use and maintain a personal computer. The session will be held on Thursday, April 19 from 11 a.m. to 2 p.m. Transportation to the school will be available from the Longwood Senior Center, 6150 Foreland Garth, Columbia. For further information, call (410) 313-7217.

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From page 30.

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H O WA R D C O U N T Y B E A C O N — A P R I L 2 0 1 2

Pro Cantare From page 27 is performed annually by the group, either around Christmas or Easter, while another performance usually includes an evening of ethnic music. Dawson, of Czech heritage, said: “It became my mission to do some concerts of Czech composers,” many of whom had been underrepresented in concert halls during Iron Curtain days. Thus, Dawson brought to stateside audiences the music of Dvorak, Smetana and Janacek, among many other composers from her grandfather’s homeland. The popularity of the all-Czech nights led to concerts devoted to classical song fests from composers of Polish, Hungarian, Swedish, Irish, Jewish, Latin American and African-American origin. Almost all the chorale members are Howard County residents, with perhaps 10 or 12 from surrounding communities, Dawson said. Two or three original members of the group are still performing. Between five and 10 singers are typically replaced each year. Several of the “dropouts” have been women who left to have babies, then returned after a few years to resume their participation. “One never knows who will be part of the group until they walk through the door” for a tryout, said Dawson. “For some individuals it’s a way to leave behind their daytime jobs. For some it’s an other-worldly, spiritual, emotional experience.”

A healthy pursuit Dawson said that several recent articles in scientific magazines have noted how singing in a chorus enhances a person’s physical and emotional health. “It has to do with being part of something larger than yourself,” Dawson said. “Some in Pro Cantare call our Tuesdays ‘therapy night.’ It gives you a sense of community. You are taking part in a musical art form.”

BEACON BITS

Apr. 13

SPORTS HALL OF FAME NOMINATIONS

Nominate an athlete, coach or manager to Howard County’s “Community Sports Hall of Fame,” recognizing individuals who have made substantial contributions to community recreational sports. Nomination forms are available online at www.hcrpsports.com or by calling the Department of Recreation & Parks at (410) 3134711. All nominations must be delivered or postmarked by Friday, April 13 to Howard County Community Sports Hall of Fame, 7120 Oakland Mills Rd., Columbia, MD 21046.

Pro Cantare undoubtedly also works its inspirational powers on its devoted director. “I work very hard to try to mold a sound, to teach healthy musical habits, in breathing, vowel formation,” she said. “To get that quality of sound, one must put in a lot of rehearsal time.” Those lucky enough to have been at the Columbia Mall on Feb. 11 heard the chorale celebrating its 35th anniversary with a fund-raising Singathon, filling the mall for surprised shoppers with the sounds of Aaron Copeland, Andrew Lloyd Weber, and others. On May 5 at 8 p.m., Pro Cantare with be appearing at Columbia’s Jim Rouse Theatre, 5460 Trumpeter Rd., along with the Eric Mintet Quartet in a Dave Brubeck program. The quartet will play such Brubeck jazz classics as “Take Five,” while Pro Cantare will perform the Brubeck chorale work, “To Hope! A Celebration,” described as a mass in the revised Roman ritual.

Tickets purchased in advance are $20 for adults, $18 for seniors and students. Admission at the door will cost $22 and $20, respectively. For further information, visit www.procantare.org or call (410) 799-9321. Pro Cantare holds auditions in the sum-

mer preceding each season and by appointment throughout the year. Singers with previous choral experience and some sight reading skills and tonal memory are encouraged to audition. To schedule an audition, call (410) 730-8549.

BEACON BITS

Apr. 14

PACIFICA QUARTET PERFORMS

Candlelight Concerts presents the Pacifica Quartet, featuring pianist Christopher Shih in a concert on Saturday, April 14 at 8 p.m. in the Smith Theatre of Howard Community College, 10901 Little Patuxent Pkwy., Columbia. A pre-concert discussion will begin at 7:15 p.m. For ticket information, visit www.candlelightconcerts.org or call (410) 997-2324.

Ongoing

HELP AT ARTS CAMPS

The Howard County Arts Council is accepting applications for volunteers for its Visual and Performing Arts Summer Camps. Volunteers will have assignments ranging from assisting with art-related instruction to monitoring campers during breaks. For further information and an application, visit the council’s website at www.hocoarts.org or call (410) 313-2787.

A P R I L 2 0 1 2 — H O WA R D C O U N T Y B E A C O N

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Puzzle Page

Crossword Puzzle Daily crosswords can be found on our website: www.TheBeaconNewspapers.com Click on Puzzles Plus Avenging by Stephen Sherr 1

41 43 48

Across

JUMBLE ANSWERS

42 44

Scrabble answers on p. 28.

Answer: Despite the latest training equipment, the boxer's punches were -- "HAND" MADE Jumbles: DELVE MAGIC TANDEM INHALE

1. Baby doll’s request 5. Stenographer’s tools 9. Forest growth 13. Word on an airport shuttle bus 14. Space ___ (daydreamer) 15. Leave out a lettr 16. Mediocre 17. Unlike anything in 19 Across 18. Chevy from the 70’s 19. Cheer start 22. Frank girl 23. Judge Judy evidence, sometimes 24. In other words 27. The end, in English anatomy 29. Key time in U.S. history 35. Heading to the islands 36. ... mi faa so ___ 37. Seeping 39. “Wages, salary, tips, etc.” 42. It was made possible by the 16th Amendment 43. Throw toward 44. Result of a bad match 48. Pre-conquistador empire 49. Avenging 56. Gazillions 57. Gateway island 58. Word shouted into a canyon 59. ___ the way for 60. Bumpkins 61. Anonymous litigants 62. One standing guard over his treasure 63. Out of batteries 64. Snick-or-___

Down 1. Perch for shouting “Land ho!” 2. Openly declare

3. Japanese soup 4. “I would rather lie on ___ sweep beneath it” (Shirley Conran) 5. Southern Californian athlete 6. Gets to 20 in 19 Across 7. Good place to get a little tongue 8. Achilles’ heel never touched it 9. Flick 10. The end, in Greek dictionaries 11. Exhales, sadly 12. South Dakota, for example 14. Therapist 20. “Don’t bet ___!” 21. Ultimate word in an ultimatum 24. ___ Party 25. School subj. 26. Pulitzer-winning writer James 27. Perry Mason char. 28. Speed 30. Eyeglass holders 31. One who makes a pitch in DC 32. Snorers 33. The V in RSVP 34. Book between Chronicles and Nehemiah 38. Until now 40. The End, in French films 41. See 53 down 44. Visibly astonished 45. It may require a baton 46. Kitchen appliance 47. Aquatic mammal 48. Like an academic wall 50. Techie or Trekkie 51. School supply list item 52. Napoleon’s isle 53. Incorrectly minted COIN 54. Ring ceremony pronoun 55. Fire station purchase

Answers on page 28.

H O WA R D C O U N T Y B E A C O N — A P R I L 2 0 1 2

CLASSIFIEDS The Beacon prints classified advertising under the following headings: Business & Employment Opportunities; Caregivers; Computer Services; Entertainment; For Sale; For Sale/Rent: Real Estate; Free; Health; Home/ Handyman Services; Miscellaneous; Personals; Personal Services; Vacation Opportunities; and Wanted. For submission guidelines and deadlines, see the box on the bottom of this page. CAVEAT EMPTOR! The Beacon does not knowingly accept obscene, offensive, harmful, or fraudulent advertising. However, we do not investigate any advertisers or their products and cannot accept responsibility for the integrity of either. Respondents to classified advertising should always use caution and their best judgment. A national trade association we belong to has placed some of the classifieds below. Determining the value of an advertised service or product is advised by this publication. Some advertisers do not offer employment but rather supply manuals, directories and other materials designed to help their clients establish mail order selling and other businesses at home. Under NO circumstance should you send any money in advance or provide your checking, license ID, or credit card numbers. EMPLOYMENT & REAL ESTATE ADS: We will not knowingly or intentionally accept advertising in violation of federal, state, and local laws prohibiting discrimination based on race, color, national origin, sex, familial status or handicap in connection with employment or the sale or rental of real estate.

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Home & Handyman Services RICHARD YOUNG PLUMBING * Master plumber * Over 30 years experience * locally owned and operated husband and wife team * Contact us about our discounts 301-562-9100, richardyoungplumbing@gmail.com. MPL#21098. WE LOVE OUR SENIORS M.T. Rupard Painting, Handyman Services. 30 years experience. Free estimates. Fully licensed, bonded & insured. MHIC#97309. Call 301-674-1383. Many references.

Miscellaneous PREGNANT? CONSIDERING ADOPTION? You choose from families nationwide. LIVING EXPENSES PAID. Abby’s One True Gift Adoptions. 866-413-6292, 24/7 Void/Illinois. FINISH HIGH SCHOOL at home in a few weeks. First Coast Academy, 1-800-6581180x130. www.fcahighschool.org. ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-494-3586 www.CenturaOnline.com. CASH FOR CARS, Any Make or Model! Free Towing. Sell it TODAY. Instant offer: 1-800-8645784.

Wanted VINYL RECORDS WANTED from the 20s through 1985. Jazz, Rock-n-Roll, Soul, Rhythm & Blues, Reggae and Disco. 33 1/3 LPs, 45s or 78s, Larger collections preferred. Please call John, 301-596-6201. WE BUY QUALITY BOOKS, CDs, DVDs, Records. We come to you for certain collections. For more info call 443-864-2280. SecondEditionBooks.com. TOP CASH FOR CARS, Any Car/Truck, Running or Not. Call for INSTANT offer: 1-800-4546951. CA$H PAID- up to $25/Box for unexpired, sealed DIABETIC TEST STRIPS. Hablamos Espanol. 1-800-371-1136. WANTED DIABETES TEST STRIPS Any kind/brand. Unexpired up to $25.00. Shipping Paid. Hablamos espanol 1-800-267-9895 www.selldiabeticstrips.com. WANTS TO PURCHASE minerals and other oil and gas interests. Send details to P.O. Box 13557 Denver, Co. 80201. YEARBOOKS "Up to $15 paid for high school yearbooks1900-1988. yearbookusa@yahoo.com or 972-768-1338."

Words of the month The curious origins of our words and rituals

A collection of commonly misused words Below is a short list of words that are commonly used interchangeably, even though they have different or, in some cases, totally opposite meanings. See how often you find them used incorrectly in the broadcast and print media (other than the Beacon, of course!) Eager and anxious – “Eager” anticipates a positive experience, while “anxious” fears a negative result. Thus, you would be eager to receive a refund from the IRS and anxious about being audited by that agency. Famous and notorious – People become famous for positive accomplishments, but notorious for negative deeds. Thus, Sheriff Wyatt Earp was a famous marksman, but robber Jessie James was a notorious gunslinger. Currently and presently – Currently means now; presently means soon. Thus, I am currently out of the office, but will return presently. Number and amount – use number when you can count items; amount when you cannot. Thus, there were a number of clam shells in this large amount of sand. Fewer and less – same as above. Thus, there are fewer dollars in my savings account than last month, so now I have less money. Further and farther – Further relates to time or amount. Farther relates to distance. Thus, if you speak about your new friend any further, the farther from you you’ll find me. Need I say anything further? Prepared for The Beacon Newspapers by Wizard Communications©. All rights reserved. Want to have a word/phrase or ritual/custom researched? Contact jpozga@verizon.net.

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What’s so special about Brooke Grove Retirement Village? Just ask our Cottage residents…

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