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Broom sweeps across stages

Beguiled by ballet Back to the beginning, though. When Broom saw the renowned Ballet Russe de Monte Carlo as a child, she experienced a visceral response. “Those are my people,” she recalled having thought. She studied at Baltimore’s Peabody Conservatory and at UCLA, received a Fulbright Scholarship to the Berlin Dance Academy in Germany, and also studied in Hawaii.

AUGUST 2011

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PHOTO COURTESY OF MARIA BROOM

By Carol Sorgen One might call Maria Broom a Jill-of-alltrades, at least when it comes to the performing arts. The native Baltimorean — who saw her first ballet at the age of 6 and thought to herself, ”This is it” — has made a life, and a living, as a dancer, actress and storyteller. She is a familiar face from HBO’s renowned Baltimore-based crime series “The Wire,” along with other TV shows. She has also been a television news reporter, a Fulbright scholar, a dance therapist and motivational speaker. And Broom has served as a guest dance instructor at a number of colleges and schools. Now 62, she continues in many of those pursuits, but sees herself in a new role as well, that of “wisdom-keeper.” Broom acknowledged that she still gets requests to “come and do what I do,” but also sees that her younger professional colleagues and students want to benefit from what she can pass along on a more fundamental level. “At this stage of life, people turn to us for a number of reasons…to learn how to be courteous, how to be of service, in short, how to be a good human being….That lies with us now, and it’s our responsibility to teach others,” said the Windsor Mill resident. Broom, who attended Western High School and Morgan State University, credits her mother with both her artistic talents and her undiminished joie de vivre as she ages. Broom’s mother was a fan of music and ballet, a painter and craftswoman herself, and wrote her first book at the age of 79 and her second at 90. “Our culture promotes the notion that as we age, we go downhill,” said Broom. “But I’ve seen for myself that as we age, we get better and better.”

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LEISURE & TRAVEL

A smorgasbord of to-dos in Pennsylvania; plus, cutting your losses when a trip gets canceled page 24

ARTS & STYLE Maria Broom’s multifaceted career has included dance instruction, television news reporting, television acting (on series like “The Wire”) and motivational speaking. This summer she is teaching at Centerstage’s camp.

In her 20s, however, Broom got sidetracked — which, instead of derailing her performing career, ultimately enhanced it. Broom had expected to teach dance at Morgan State after graduating, but when that didn’t work out, she was offered a job as a television reporter for WJZ-TV in Baltimore and later, the ABC affiliate in Miami. “That was a very big deal,” said Broom, relating how her face could be seen in billboards across Baltimore. After several years in the news, Broom started receiving the “big offers” to move on to the national news broadcasts. “I had a decision to make, dance or TV,” she said simply. “I chose dancing.”

Dancing to a world beat With the recognition she had earned as a news reporter, Broom was soon running a successful dance studio in Mondawmin Mall, while she pursued her own performing ambitions. Her initial goal had been to become an Alvin Ailey dancer. Alvin Ailey was the famed African American dancer and choreographer who had his own New Yorkbased troupe. But once Broom began studying dance again herself in Los Angeles, her goal shifted. “I realized there that all the movements I instinctively made with my hands, for exSee BROOM, page 28

Audience joins in the fun in Xanadu at Toby’s Dinner Theatre; plus, the National Aquarium celebrates its 30th anniversary page 27

FITNESS & HEALTH 4 k Hospitals face drug shortages k Do you need testosterone? VOLUNTEERS & CAREERS k Brewing up a franchise

LAW & MONEY 18 k Billions waiting to be claimed k Medicare costs jump for some PLUS CROSSWORD, BEACON BITS, CLASSIFIEDS & MORE

AUGUST 2011 — BALTIMORE BEACON

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On being misunderstood I truly look forward to receiving letters ter that I apparently gave the completely and emails from readers. I value your com- wrong impression in a recent column ments and suggestions, and about Social Security. The am eager to hear what you reader objected to an arguthink. ment he thought I had made, That’s really how the Beathen proceeded to set me con has grown and changed straight by giving a beautiful over the years: by trying to presentation of the very point address the needs and interI had tried to express myself! ests of readers and incorpoHonestly, I think my failure rate their recommendations. to communicate in that inI always like to tell how, stance derived from the fact within hours of our very first FROM THE that I had written two issue hitting the streets back PUBLISHER columns on the subject of Soin 1989, we got a telephone By Stuart P. Rosenthal cial Security: one in June and message from an angry readone in July. The reader apparer saying, “Your crossword puzzle clues ently only saw the latter one, which led are TOO SMALL!” him to misinterpret where I was coming Of course, I much prefer to read letters from. that praise the Beacon or hear from readBut this is itself instructive. Complex ers who agree with something I’ve written. public policy issues — like what, if anyBut I have to admit that the most valu- thing, to change about Social Security or able letters I get are those that take me to Medicare — cannot be boiled down into task for an opinion I’ve expressed. Not sound bites or even 500-word columns. only do I get to learn how others may disThe background and history are releagree, sometimes violently, with my views. vant. The present issues and potential fuSometimes I get to see how well (or poor- ture problems must be explored. Possible ly) I’ve expressed my own thoughts. solutions need to be described and their For example, I learned from a recent let- ramifications considered.

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The Beacon is a monthly newspaper dedicated to inform, serve, and entertain the citizens of the Greater Baltimore area, and is privately owned. Subscriptions are available via third-class mail ($12), prepaid with order. MD residents add 6 percent for sales tax. Send subscription order to the office listed below. Publication of advertising contained herein does not necessarily constitute endorsement. Signed columns represent the opinions of the writers, and not necessarily the opinion of the publisher. • Publisher/Editor ....................Stuart P. Rosenthal • Associate Publisher..............Judith K. Rosenthal • Vice President, Operations........Gordon Hasenei • Director of Sales ................................Alan Spiegel • Assistant Operations Manager ..........Roger King • Managing Editor............................Barbara Ruben

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It takes time and space to develop and explain a serious, well-thought-out position — more time (and space) than most people (and publications or websites) are willing or able to devote to writing and/or reading. As a result, most written arguments — and probably all spoken ones — are inherently incomplete and, on some level, misleading. I think that’s why it comes so naturally to many of us to criticize others for their opinions and jump to conclusions about their motives. We don’t really know whether people have thought their opinions through or explored the subject matter deeply. We only know what we take in from a brief encounter. So we may be judging them too harshly, or without understanding their true positions. On the other hand, sometimes people do parrot positions they’ve heard elsewhere or that fall within their “comfort zone” politically speaking, without devoting much of their own energy to thinking about them. And ironically, it’s probably most difficult to argue with people who haven’t really thought about the positions they hold. If they’ve adopted an opinion thoughtlessly, then they aren’t likely to let reason sway

them to another point of view, are they? Anyway, I urge you not to jump to conclusions about what we should be doing about Social Security and Medicare until you have explored the issues in some depth. They are both vitally important programs, extremely costly ones, and ones that all of us have paid into for most of our lives. They certainly shouldn’t be jettisoned or gutted. But they also need to be tweaked or adjusted to reflect how Americans’ work lives, healthcare system, life expectancy and demographics have changed over the years and will be changing in years to come. I believe there are any number of modest, reasonable revisions that could be made to keep the programs sound for the future. Each one affects one or more constituencies: workers, employers, beneficiaries, doctors. There will no doubt be some pain involved in making these changes, but I believe we can, as a society, find a way to spread that pain fairly.

Letters to the editor Readers are encouraged to share their opinion on any matter addressed in the Beacon as well as on political and social issues of the day. Mail your Letter to the Editor to The Beacon, P.O. Box 2227, Silver Spring, MD 20915, or email to barbara@thebeaconnewspapers.com. Please include your name, address and telephone number for verification. Dear Editor I read this month’s Beacon thoroughly and with great interest. There’s still nothing like a “good ole newspaper” spread out in front of us while having our morning coffee. Just want to pass on a good word of encouragement. Dottie DeCarlo Baltimore Dear Editor: There is a slow deterioration of the values of this country. On Flag Day, I only heard about it once on the radio when a caller mentioned how his school day began with the Pledge of Allegiance to the flag. When is a law going to be written so that

drugs are eradicated from this country? We can put a man on the moon, but drugs can’t be confiscated from their entrance into this country. Over $400 billion of our tax dollars are spent yearly to support education, welfare, food stamps and healthcare for illegal immigrants. When is English going to be designated as our number one language? Every foreign country I have ever visited, I lived according to their customs. My parents were immigrants, but they came to this country to become Americanized, but never forgot their heritage. Frances C. Martino Dundalk, Md.

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BEACON BITS

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THE LURE OF FISHING Brian Patrick displays his photographs of vintage tackle, anglers’

tools and personal belongings at Gallery 916 N. Charles Street, through Friday, Aug. 5. The gallery is open Monday through Friday, 9 a.m. to 5 p.m. Admission is free. For more information, call (410) 727-8800.

BALTIMORE BEACON â&#x20AC;&#x201D; AUGUST 2011

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AUGUST 2011 — BALTIMORE BEACON

Health Fitness &

MALE MENOPAUSE? Low testosterone can bring on menopause-like symptoms for some GO FOR THE GOLD Sign up now for the Maryland Senior Olympics, which begin in August A SHOT IN THE ARM You may need up to nine vaccines to keep you healthy as you age COOL SUMMER SALAD Chicken, cantaloupe and strawberries combine for a quick meal

Hospitals face acute shortages of drugs By Lauran Neergaard A growing shortage of medications for a host of illnesses — from cancer to cystic fibrosis to cardiac arrest — has hospitals scrambling for substitutes to avoid patient harm, and sometimes even delaying treatment. “It’s just a matter of time now before we call for a drug that we need to save a patient’s life and we find out there isn’t any,” said Dr. Eric Lavonas of the American College of Emergency Physicians. The problem of scarce supplies or even completely unavailable medications isn’t a new one, but it’s getting markedly worse. The number listed in short supply has tripled over the past five years to a record 211 medications last year. While some of those shortages have been resolved, another 89 have occurred in the first three months of this year, according to the University of Utah’s Drug Information Service. It tracks shortages for the American Society of Health-System Pharmacists.

The vast majority involve injectable medications used mostly by medical centers — in emergency rooms, ICUs and cancer wards. Particular shortages can last for weeks or for many months, and there aren’t always good alternatives. Nor is it just a U.S. problem, as other countries report some of the same supply disruptions.

Health at risk At Miami Children’s Hospital, doctors had to postpone for a month the last round of chemotherapy for 14-year-old Caroline Pallidine because of a months-long nationwide shortage of cytarabine, a drug considered key to curing a type of leukemia. “There’s always a fear, if she’s going so long without chemo, is there a chance this cancer’s going to come back?” said her mother, Marta Pallidine, who said she’ll be nervous until Caroline finishes her final treatments. “In this day and age, we really shouldn’t be having this kind of problem and putting our children’s lives at risk,” she added.

There are lots of causes for the shortages — from recalls of contaminated vials, to trouble importing raw ingredients, to spikes in demand, to factories that temporarily shut down for quality upgrades. Some experts pointedly note that pricier brand-name drugs seldom are in short supply. The Food and Drug Administration agrees that the overarching problem is that fewer and fewer manufacturers produce older, cheaper generic drugs, especially the harder-to-make injectable ones. So if one company has trouble — or decides to quit making a particular drug — there are few others able to ramp up their own production to fill the gap, said Valerie Jensen, who heads FDA’s shortage office.

Which drugs are in short supply? The shortage that’s made the most headlines is a sedative used on death row. But on the healthcare front, shortages are wide-ranging, including: • Thiotepa, used with bone marrow transplants,

• A whole list of electrolytes — injectable nutrients crucial for certain premature infants and tube-feeding of the critically ill, • Norepinephrine injections for septic shock, • A cystic fibrosis drug named acetylcysteine, • Injections used in the ER for certain types of cardiac arrest, • Certain versions of pills for ADHD, attention deficit hyperactivity disorder, and • Some leuprolide hormone injections used in fertility treatment. No one is tracking patient harm. But last fall, the nonprofit Institute for Safe Medication Practices said it had two reports of people who died from the wrong dose of a substitute painkiller during a morphine shortage. “Every pharmacist in every hospital across the country is working to make sure those things don’t happen, but shortSee DRUG SHORTAGES, page 5

New healthcare trend: Group checkups By Lauran Neergaard Wait a minute, Doc. You want me to share my appointment with 10 other patients? Group appointments aren’t just for psychotherapy anymore. Put diabetes, high blood pressure and maybe even Parkinson’s disease on the list. Shared checkups aim to help patients who are battling certain chronic diseases, and they’re far from the typical 15-minute office visit. They’re stretched over 90 minutes or even two hours, offering more time to quiz the doctor about concerns, learn about managing the disease, and get tips from fellow patients. What’s in it for the doctor? A neurologist found he learned more about how his Parkinson’s patients were faring by watching them interact with others than when he had them one-on-one. “I can see if you’re getting worse over the course of the visit, your ability to eat, to walk, to converse and to think,’’ said Dr. Ray Dorsey, who led a pilot study of group checkups for Parkinson’s patients at the University of Rochester Medical Center. “This is a new way of delivering health-

care,’’ added Dorsey, now at Johns Hopkins University. “People are thirsting for better ways.’’

A growing practice It’s a small but slowly growing trend that promises to get more attention with the tight supply of primary care physicians, who find it hard to squeeze in time to teach their patients how to deal with complex chronic illnesses like diabetes. An American Academy of Family Physicians survey found more doctors trying the group approach — about 10 percent of its active members in 2009, up from fewer than 6 percent in 2005. Peer pressure among patients helps, said family physician Dr. George Whiddon of Quincy, Fla. He has about 40 diabetic patients divided into groups for shared checkups at Tallahassee Memorial Family Medicine Quincy, and he wants to add more. One woman with uncontrolled diabetes for years confessed to fellow patients that she’d ignored Whiddon’s “eat better, take your meds” advice for too long. “Now I only have one toe left. I should

have listened,’’ Whiddon recalled her saying. “That had more impact [on the others] than anything I said all day.’’ Group appointments don’t replace the patient’s annual in-depth physical. But many people with chronic illnesses, especially if they’re not well-controlled, are supposed to have additional follow-up visits about every three months — an opportunity for shared checkups that stress patient education.

As good as, or better than, 1-on-1 But how well do these group visits work? An Italian study published last year found that diabetics who took part in them lowered their blood sugar, blood pressure and cholesterol more than similar patients who got regular individual office visits. A separate study at two Veterans Affairs Medical Centers, in North Carolina and Virginia, tracked people with poorly controlled diabetes and blood pressure and also concluded shared appointments can improve care for some people. Those in group visits significantly im-

proved their blood pressure and needed less emergency care, but there was no difference in diabetes improvement between patients who had shared checkups or regular ones. Parkinson’s marks the newest attempt. Dorsey recruited 30 Parkinson’s patients and assigned half of them to 90-minute group checkups, and the rest to regular private visits that lasted a generous half-hour. During group visits, everyone got a few minutes for private discussion with the doctor. Then Dorsey gave an educational talk about a Parkinson’s topic the patients had previously requested — from the newest research, to why symptoms vary so widely, to how patients cope at work — and took group questions. Medically, both sets of patients fared equally well during the year-long study, showing that group visits are feasible, Dorsey reported in the journal Neurology. What the study couldn’t measure, Dorsey said, was how he watched patients’ interactions for subtle signs that they needed prescriptions adjusted, things like See CHECKUPS, page 6

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Learn how to avoid caregiver burnout and gain insight on new caregiving methods for aging parents and loved ones at a free eldercare reception on Thursday, July 28 from 6 to 8 p.m. Panelists include geriatrician Dr. Andy Lazris, Eldercare lawyer Michael Hodes of Hodes, Pessin and Katz P.A., and family Club, 813 Hilltop Rd., Catonsville, Md. Lite fare will be served. The event is pre-

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WALKING THE MALL FOR EXERCISE

Franklin Square Hospital Center sponsors an ongoing senior wellness walk at White Marsh Mall and Eastpoint Mall every Thursday from 9 to 10 a.m. The walks are led by a certified exercise instructor; free blood pressure screening is also provided. Call (410) 931-7100 for more information.

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nies to get ready to meet a shortfall. â&#x20AC;&#x153;No patientâ&#x20AC;&#x2122;s life should have to be at risk when there is a drug somewhereâ&#x20AC;? that could be used, said Sen. Amy Klobuchar, D-Minn., who introduced the bill. â&#x20AC;&#x201D; AP

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ages create the perfect storm for a medication error,â&#x20AC;? said University of Utah pharmacist Erin Fox, who oversees the shortage-tracking program. What can be done? The FDA has taken an unusual step, asking some foreign companies to temporarily ship to the U.S. their own versions of some scarce drugs that arenâ&#x20AC;&#x2122;t normally sold here. That eased shortages of propofol, a key anesthesia drug, and the transplant drug thiotepa. Affected companies say theyâ&#x20AC;&#x2122;re working hard to eliminate backlogs. For instance, Hospira Inc., the largest maker of those injectable drugs, said it is increasing production capacity and working with FDA â&#x20AC;&#x153;to ad-

that might trigger a shortage. The FDA cannot force a company to make a drug, but was able to prevent 38 close calls from turning into shortages last year by speeding approval of manufacturing changes or urging competing compa-

â&#x2DC;&#x2026;

From page 4

dress shortage situations as quickly as possible and to help prevent recurrence.â&#x20AC;? But the Generic Pharmaceutical Association said some shortages are beyond industry control, such as those caused by FDA inspections or stockpiling that can exacerbate a shortage. â&#x20AC;&#x153;Drug shortages of any kind are a complex problem that require broad-based solutions from all stakeholders,â&#x20AC;? added the Pharmaceutical Research and Manufacturers of America, a fellow trade group. Lawmakers are getting involved. Sen. Herb Kohl, D-Wis., is urging the Federal Trade Commission to consider if any pending drug-company mergers would create or exacerbate shortages. Also, pending legislation would require manufacturers to give FDA advance notice of problems such as manufacturing delays

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AUGUST 2011 — BALTIMORE BEACON

Do men go through a ‘male menopause’? By Dr. J. Taylor Hays, M.D. Menopause refers to the end of menstruation and fertility in women. It’s caused by a dramatic drop in production of the female hormone estrogen by a woman’s ovaries. There’s no equivalent in men. But men do experience a hormonal change as they get older. Clear evidence indicates that they gradually produce less testosterone, the primary male hormone, throughout adulthood. Even taking this age-related decline into consideration, the testosterone level of most men stays within what’s considered a normal range, and they don’t experience signs or symptoms. However, if a man’s testosterone production clearly drops below normal levels, say, as the result of using medicine to treat prostate cancer, he may experience symptoms akin to menopause in women. These might include hot flashes, fatigue, trouble sleeping, difficulty concentrating, and reduced sexual drive and per-

formance. Erectile function may or may not be affected. The underproduction of testosterone is called hypogonadism. In addition to prostate cancer treatment inducing this condition, hypogonadism can be inherited or result from a past injury or infection of the testicles. It also can occur simply with aging.

Checkups

“Many heads are better than one. They think of questions you wouldn’t normally think of by yourself,’’ said Jim Euken, a re tired judge and Parkinson’s patient from Belmont, NY. He began exercising on a bicycle after one of Dorsey’s group visits discussed research showing some patients

Hormone replacement therapy Men who suspect they’re suffering from a low testosterone level should see their doctor. In addition to the symptoms described above, the condition can cause a decrease in muscle mass and loss of bone mass (osteoporosis), similar to postmenopausal women. Some men who are diagnosed with hypogonadism can be helped with testosterone replacement therapy, which slows the loss of muscle and improves bone density. Some people worry about the treatment’s potential side effects. They think of anabolic steroid use in athletes, for example, which can cause liver problems and male infertility.

From page 4 cognitive problems or if medications wore off too quickly. One meeting even devoted 45 minutes to the pros and cons of implanted brain stimulators to curb tremors.

But our primary concern with testosterone replacement therapy in older men is prostate growth and prostate cancer, because the prostate gland grows under the influence of testosterone. While there’s not a great deal of evidence that patients who receive testosterone replacement therapy are at increased risk of prostate cancer, this possibility is an unresolved issue. Testosterone replacement therapy can produce other unwanted side effects, however, including the development of obstructive sleep apnea and the overproduction of red blood cells in some men. Because of these risks, those considering the therapy should be sure their doctor evaluates their symptoms, measures their blood cell count, examines their prostate, and checks their prostate-specific antigen (PSA) blood level. In men whose testosterone still registers in the normal range, there is no evidence indicating that supplemental testos-

terone therapy is helpful. Also, research does not tell us if testosterone therapy improves muscle strength, muscle mass, or physical performance measurements. A doctor can diagnose underproduction of testosterone with a simple blood test. A sample is usually taken in the morning after fasting and, typically, is measured on more than one occasion, because testosterone production can vary slightly from day to day. A diagnosis of hypogonadism is based on the presence of symptoms suggesting low testosterone, and at least two or three abnormally low testosterone blood tests. Medical Edge from Mayo Clinic is an educational resource and doesn’t replace regular medical care. To submit a question, write to: 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. © 2011 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Media Services, Inc.

still can bike when they can barely walk, for unknown reasons. Euken joined some fellow study participants who petitioned the hospital, unsuccessfully, to continue group visits when the study ended: “It’s not that I don’t get good care. I do. But I still think I learned more and I think the process was better doing it in a group format.’’ More research is needed to determine which patients fare better with group vis-

its, plus they take a lot of doctor preparation, cautioned study co-author Dr. Kevin Biglan of the University of Rochester. Medicare will reimburse the doctor for each patient in a shared checkup with proper documentation that the visit includes certain elements, said Florida’s Whiddon. For his office, that means breaking even, as long as at least six people show up for his two-hour diabetes groups. — AP

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BALTIMORE BEACON — AUGUST 2011

Beware free trials of anti-aging products By Arlene Weintraub Kathleen Cole was browsing an Internet drugstore when an ad popped up too tantalizing to resist. A company called Syndero was featuring a 14-day free trial of Dermitage, a cream that promised to fade wrinkles and restore youthful-looking skin. Cole, 70, was happy with how she looked, but what, she wondered, did she have to lose? So she handed over her credit card number with the understanding that it wouldn’t be charged unless she was sold on Dermitage at the end of the trial. What Cole didn’t realize was that she’d actually just agreed to pay $99 a month for monthly shipments, and that the free-trial clock would start ticking the day the product shipped. Only because she suffered an allergic reaction and called to ask how to return the cream did Cole find out about these details — and that she had just five days left to send the product back in order to avoid the charges. “It was so hidden within the jargon of the fine print that I missed it, and I have a master’s degree,” said Cole, a freelance book editor in Denver, Colo. She did have to shell out $50 to ship the cream back to the company’s Canadian warehouse, and to be safe, she put a block on her credit card to ensure that there’d be no chance of surprises later. A flood of cosmetics and other elixirs advertised as magic against old age is pulling in consumers on the Internet these days, often to their later dismay. Complaints from consumers like Cole about tactics often used to sell the products — the so-called free trials, the monthly commitment, an often complicated and difficult cancellation process — have caught the attention of federal lawmakers, who are looking into the problem. “When an anti-aging company said ‘free trial, give us your credit card,’ it’s almost always a ‘gotcha,’” said Joe Stanganelli, a lawyer in Boston, Mass.

Little evidence of benefit Often, the companies that sell the cosmetic concoctions, colon cleansers and supplements make anti-aging claims backed by little or no scientific evidence. In some cases, the pitches even come with phony celebrity endorsements. Last year, Oprah Winfrey and physician Mehmet Oz sued more than 50 Internet vendors for improperly using their names and likenesses, and in some cases, clips from “The Oprah Winfrey show” to sell products. While both stars have discussed the likes of Brazilian acai berry and resveratrol on air, they’ve never endorsed any particular product. Barbara Summers was persuaded by the come-ons twice. The retired court reporter from Morgantown, W.Va., ordered a free trial of an acai supplement promising

not only to keep her young but also to help her lose weight. She didn’t realize she’d signed up for regular shipments until she found two months’ worth of charges on her credit card. Later, Summers was offered a free trial of a wrinkle cream in return for filling out a survey from an online retailer. “I used it for two weeks, but I couldn’t tell the difference. My kids couldn’t tell the difference,” said Summers, 53. She was able to get through to customer service and cancel before monthly charges started, though she did get slapped with the return shipping costs.

What’s legal? Nationally, the Better Business Bureau and other consumer protection agencies have heard so often about bogus free trials that the Federal Trade Commission is now

in discussions with Congress about requiring online retailers to clearly disclose what the deals involve, according to Leonard Gordon, director of the FTC’s northeast regional office. At the moment, retailers can impose monthly charges as long as they disclose what they’re doing in their terms and conditions, he said, which they often bury in “mouseprint” on their websites. The Northern California BBB office has fielded more than 300 complaints about San Francisco-based Syndero, said Lori Wilson, vice president of operations for that branch. Andrea O’Brien, Syndero’s vice president of customer service, stated in an email that “The information regarding the terms and conditions associated with all Dermitage products and offers are clearly stated and provided in full to every con-

sumer.” She also said that Dermitage cream got a thumbs-up from 86 percent of a test group of more than 250 women, “who told us their skin looked younger after using our products for 21 days.”

Research company and conditions Anyone tempted to buy from an unfamiliar Internet retailer should first check the websites of the local BBB and the state attorney general’s office to ensure there are no complaints on record. Even if not, it’s never a good idea to hand over your credit card information without reading the terms and conditions page to make sure you’re not agreeing to any automatic charges. If it indicates that the free trial period starts the day the company ships the product, be aware that there’s a risk you won’t See FREE TRIALS, page 8

CLEAR SIGHT OVERNIGHT without surgery or Lasik. Wake up to clear, sharp vision all day long — with no glasses… no daily contact lenses… and no invasive surgery! Discover Precision Ortho-K. Performed exclusively by the doctors at Azman Eye Care, this technique corrects most prescriptions, including nearsightedness, farsightedness and astigmatism. Now for those bifocal/progressive wearers, you can throw away your glasses too! Precision Ortho-K is the ideal choice for anyone: • Interested in Lasik but afraid of complications • Told they’re not good candidates for Lasik or had unsuccessful surgery • Involved in sports and needs freedom from contacts and glasses • Who suffers from dry eyes or allergies making contacts uncomfortable • Tired of wearing bifocals or needing reading glasses with contact lenses • Whose career or lifestyle requires liberation from glasses and contacts

Call for your free consultation today and see tomorrow in a whole new light.

410-561-8050

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AZMAN EYE CARE SPECIALISTS

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AUGUST 2011 — BALTIMORE BEACON

Nine vaccines you may need as you age You know you should be vaccinated against the flu every year because the viruses that cause influenza — and the vaccines that protect you from those viruses — change from year to year. But there’s more to staying current with your vaccinations than that. For one thing, you can’t assume that the vaccines you received as a child will protect you for the rest of your life. Some childhood immunizations require a periodic booster shot. Work, travel, and changing personal circumstances can expose you to unusual infectious diseases. In addition, overall immunity can fade with age, increasing your susceptibility to serious disease caused by common infec-

tions. Moreover, from time to time, there are new vaccines — and new recommendations for receiving older vaccines. The following list summarizes the Center for Disease Control’s 2011 Adult Immunization Schedule for people 50 and over: 1. Seasonal influenza vaccine: one dose per year. Only inactivated influenza vaccine for adults 50 and over; a high-dose version called Fluzone is available (and recommended) for those 65 and over. Who should get it: Everyone should be vaccinated annually in the fall or winter. This year’s flu shot will be a duplicate of last year’s because the same flu strains are still circulating. But that doesn’t mean you can skip it just because you got vaccinated

Have You Had Your Yearly Eye Exam?

We provide eye exams & eyeglass services in your own home or facility. Contact us for more information or to schedule your appointment:

443-926-4435 or info@mobileopticalinc.com www.mobileopticalinc.com

serving those who

served and their eligible non-vet spouses

last year. CDC officials believe that antibody levels can fall by two-thirds or more after a year has passed. If you’re sick with a fever, wait until you recover before getting your flu shot. Talk to your clinician before getting the vaccine if you’ve ever had a severe allergic reaction to eggs or to a previous flu shot, or if you have a history of Guillain-Barre syndrome that occurred after receiving a flu shot. 2. Tetanus, diphtheria, pertussis (Td/Tdap): three-dose series and a booster every 10 years; one-time Tdap given earlier to people in contact with infants. Who should get it: Unvaccinated adults under 65 should receive an initial threedose series with two doses of Td and one of Tdap, then regular Td boosters every 10 years, including one with Tdap. A one-time dose of Tdap should be given as soon as possible to healthcare providers and anyone in close contact with infants (such as grandparents and childcare providers). Adults 65 and over who’ve never received Tdap and who have close contact with infants should also be vaccinated with

Tdap, no matter when they last received a Td-containing vaccine. Talk to your clinician before getting the vaccine if you’ve ever had Guillain-Barre syndrome. Don’t get Td or Tdap if you’ve ever had a severe allergic reaction to any vaccine. 3. Varicella (chickenpox): one or two doses Who should get it: If you’ve never had chickenpox, or you were vaccinated but received only one of the two recommended doses of varicella vaccine, talk to your clinician about whether you need the vaccine. Don’t get this vaccine if you’ve ever had a severe allergic reaction to it, or to gelatin or the antibiotic neomycin. 4. Zoster (shingles): one dose Who should get it: The shingles vaccine is recommended for adults 60 and over, whether or not they’ve had shingles before. In March, the FDA approved the vaccine for those 50 and up, but many clinicians still recommend waiting until 60 because they don’t know how long immu-

Free trials

charging the card. Many people who file complaints about online retailers report that when they call customer service, they always get busy signals or full voicemail boxes. John Breyault, vice president of public policy for the National Consumers League, suggests testing a company’s customer service department before you place an order. “You shouldn’t have to jump through hoops to cancel,” he said. Arlene Weintraub’s book “Selling the Fountain of Youth” was published in August 2010 by Basic Books. © 2011 U.S. News and World Report

From page 7 get it in time to return it. Typical return deadlines are just two weeks from the date shipped. Also be wary if the company’s return address is overseas, as you might have to pay a large postage bill to return the goods. Still feel compelled to take a chance on a product? Consider protecting yourself against a run-up in charges by using a card with a low credit limit. Also, it’s wise to check with your card issuer to make sure you’re allowed to block companies from

See VACCINES, page 11

Caregivers Need Vacations Too! Go on vacation worry free with our short-term respite stays. While you are rejuvenating, we will take exceptional care of your loved one. We might take them to a ball game, a movie, or a concert, and they will be sure to enjoy delicious and nutritious meals. Don't be surprised if YOU get the postcard! Call one of these three convenient locations for more information.

800-522-VETS www.charhall.org

Towson

410-823-5310

Baltimore

410-367-9100

410-664-5551

Medicare, Medicaid and most private insurances accepted.

skilled nursing // assisted living // rehabilitation // alzheimer's care // respite care

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BALTIMORE BEACON — AUGUST 2011

Cool and refreshing summer dinner salad Cantaloupe, strawberries and crisp greens combine to make this colorful, fresh and unique dish. Add chicken and yogurt for a nutritious and tasty summer dinner salad. Cantaloupe is a member of a plant family that includes both melon and squash. The melon size varies depending on the growing region, but a medium-sized melon contains only about 200 calories. Some experts believe that cultivation of cantaloupes dates back to the Biblical period in Egypt and Greece, while others are convinced that they were first cultivated in Persia (present day Iran), Armenia and India. The strawberry, a member of the rose family, is native to North America. The most common variety is a hybrid from the wild Virginia strawberry. The plant produces its succulent red, conical berries from tiny white flowers and sends out runners to spread and propagate. They have been around thousands of years, but early Americans did not bother to cultivate them because wild strawberries were so abundant. They are a good source of vitamin C. White, salty, crumbly feta cheese is traditionally made from sheep or goat’s milk, though now it’s also made with cow’s milk. Although it is considered the model Greek

brined cheese, it may have originally been Italian. The word “feta” did not even exist in classical Greek. The New Greek word, originally tyripheta, means “cheese slice,” but “feta” comes from the Italian word fette, meaning a slice of food. This is a simple, summer meal salad great for weekend brunch or for your workday lunchbox entrée.

Chicken and Cantaloupe Strawberry Salad Serves 4 1/4 cup chopped walnuts, toasted 1/4 cup reduced-fat sour cream 2 Tbsp. plain Greek yogurt 2 Tbsp. fruit flavored vinegar (apple or raspberry work well) 1 tsp. poppy seeds Freshly ground pepper to taste 1/4 tsp. sea salt 8 cups salad greens 2 cups cooked skinless chicken breasts, cubed 2 cups cantaloupe, cubed 1 cup strawberries, halved 1/4 cup feta cheese, crumbled In small skillet, toast walnuts over medium heat for two to three minutes, until lightly browned. Remove from heat and set aside.

SavaSeniorCare Administrative Services, LLC • Skilled Nursing Services • Full-Service Rehabilitation ▲ Occupational ▲ Physical ▲ Speech • Transitional Care from Hospital to Home • Comprehensive Long-Term Nursing Care • Medicare, Medicaid and Other Insurance Plans Accepted Overlea Health and Rehabilitation Center Baltimore, MD 410-426-1424 Bel Air Health and Rehabilitation Center Bel Air, MD 410-879-1120 Glen Burnie Health and Rehabilitation Center Glen Burnie, MD 410-766-3460

Forest Hill Health and Rehabilitation Center Forest Hill, MD 410-893-2468

berries, feta and walnuts. Drizzle each serving with 1 tablespoon of the reserved dressing and serve. Per serving: 295 calories, 12 g. total fat (4 g. saturated fat), 15 g. carbohydrate, 32 g. protein, 4 g. dietary fiber, 320 mg. sodium. — Courtesy of the American Institute for Cancer Research

BEACON BITS

Aug. 2+

MANAGE YOUR DIABETES

St. Joseph Medical Center offers monthly programs for those managing diabetes or caring for someone with diabetes. These workshops are held the first Tuesday of every month at 1 p.m. on the St. Joseph medical campus at 7601 Osler Drive in Towson. To register, call (410) 337-1382 or visit www.sjmcmd.org.

I am a patient who had severe foot pain for 2 years, with no relief in sight....by the end of the 4 days I was 85% pain free in both feet. I thank God for Dr. Goldman and his passion for research in healing people with foot and leg pain. – Alvin, Baltimore

How fortunate I feel to have found a doctor who could not only diagnose an underlying problem that many specialists missed, but who has been able to 8ind a painless and rapid method of relieving the worst symptoms. – Susan, Baltimore

Summit Park Health and Rehabilitation Center Catonsville, MD 410-747-3287

Patuxent River Health & Rehabilitation Center Laurel, MD Heritage Harbour Health 410-792-4717 and Rehabilitation Center Annapolis, MD North Arundel Health 410-897-1300 and Rehabilitation Center Glen Burnie, MD 410-761-1222

www.SavaSC.com

Combine sour cream, yogurt, vinegar, poppy seeds, salt and pepper in large mixing bowl and whisk until smooth. Reserve 1/4 cup of dressing in separate bowl. Add the greens to dressing in large bowl and toss to coat. Divide coated greens among four salad plates and top with chicken, melon, straw-

As a podiatrist with over 30 years experience, I have always focused on conservative treatment of foot and leg pain. I 8ind that most people with foot or leg symptoms (arthritic, aching, burning, cramping or dif8iculty walking) , even those who have had other treatments, including surgery of the foot (or back), can be helped, usually in 1or 2 visits.

Stuart Goldman, DPM

410-235-2345

4419 Falls Road, Suite A, Baltimore 4000 Old Court Road, Suite 301, Pikesville

— Dr. Stuart Goldman Fellow American College of Foot and Ankle Surgeons Marquis Who’s Who in Medicine and Healthcare Author, multiple articles on Foot & Leg Symptoms

H ELP F OR Y OUR F EET .C OM

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You’re on top of your medications. But we make a good back up. You know it’s important to stay on your medications exactly as prescribed. However, if you miss a dose, want a lower-cost alternative, or experience any side effects, we can answer any questions. Speak to your local CVS Pharmacist to learn more. Find a store near you at www.cvs.com

AUGUST 2011 — BALTIMORE BEACON

014331RXX11

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BALTIMORE BEACON — AUGUST 2011

Unproven cancer-fighting supplements Q: Is it true Kombucha tea fights can- bacteria. The fermentation produces acid, cer by boosting the immune which some say could have bensystem? eficial effects in the gut. Limited A: Proponents suggest laboratory studies show that at that Kombucha tea (considleast some of these cultures can ered a dietary supplement) inhibit growth of certain illnesscan stimulate the immune producing bacteria. system to provide wide-rangHowever, yeast and bacteria ing benefits. But we don’t cultures vary from one batch have any human studies that of Kombucha to another, as do show such effects, and for preparation methods. people with weakened imSome Kombucha tea may mune systems, this could be NUTRITION contain contaminants such as WISE a risky beverage. molds and fungi, which can actuKombucha is made by fer- By Karen Collins, ally cause illness, particularly in menting sweetened tea with a MS, RD, CDM people whose immune systems mixed culture of yeasts and are weakened by illness or cer-

tain types of cancer treatment. The Natural Medicines Comprehensive Database concludes “there is no scientific evidence to support any therapeutic claims” for Kombucha tea. And Memorial Sloan-Kettering Cancer Center’s Integrative Medicine center warns, “Patients with suppressed immune systems should not consume Kombucha beverages produced in an uncontrolled environment.” Q: Should I boost the iodine in my diet to reduce risk of thyroid cancer? A: Iodine is essential for normal thyroid hormone production, but there is no evidence that consuming iodine above adequate levels would protect against thyroid cancer. We still have much to learn about thy-

roid cancer, but so far this does not seem to be a cancer affected as much by diet as some other cancers. Those at increased risk include people who received radiation treatment during childhood (cancer and other abnormalities of the thyroid gland can occur many years afterward), a history of goiter, or a family history of thyroid disease. Studies from certain countries where children were exposed to nuclear fallout (and were therefore at increased risk for thyroid cancer) showed that those children with adequate iodine status seem to have reduced thyroid cancer risk.

Vaccines

disease, chronic liver disease or HIV infection. Don’t get this vaccine if you’ve had a severe allergic reaction to any vaccine.

From page 8 nity will last, and your chance of shingles goes up as you age. Tell your clinician if you have severe allergies. Don’t get this vaccine if you’ve ever had a severe allergic reaction to gelatin or the antibiotic neomycin, or if you have a weakened immune system. 5. Measles, mumps, rubella (MMR): one or two doses Who should get it: Anyone born after 1956 who hasn’t been vaccinated needs at least one dose of MMR. You may need a second dose if you’re a healthcare worker or plan to travel internationally. Don’t get this vaccine if you’ve ever had a severe reaction to gelatin, the antibiotic neomycin or a previous dose of MMR. 6. Pneumococcal polysaccharide (PPSV): one or two doses Who should get it: Adults 65 and over who’ve never been vaccinated against pneumonia should receive one dose. Others who should be vaccinated (with one or two doses) include adults who smoke cigarettes, live in long-term care facilities, have a cochlear implant, or have certain medical conditions, including lung disease, cardiovascular disease or diabetes. Don’t get this vaccine if you’ve had a severe allergic reaction to any vaccine. 7. Meningococcal: one or two doses Who should get it: Adults without a working spleen and those with HIV or complement component deficiencies should receive two doses. People 65 and over and anyone exposed to meningococcal disease through work or travel should receive one dose. Don’t get this vaccine if you’ve had a severe allergic reaction to any vaccine. 8. Hepatitis A: two-dose series Who should get it: Adults who should be vaccinated include anyone who is exposed to hepatitis A through work, lifestyle or travel, and anyone with chronic liver disease or a clotting factor disorder. Don’t get this vaccine if you’ve had a severe allergic reaction to any vaccine. 9. Hepatitis B: three-dose series Who should get it: Adults who should

be vaccinated include anyone who is exposed to hepatitis B through work, lifestyle or travel and anyone with end-stage renal

If you’re over 50 or have osteoporosis, it’s important that you don’t ignore your back pain. It may signal a spinal fracture. See your doctor right away if you think you may have one.

See NUTRITION WISE, page 13

TAKE CHARGE Don’t turn your back on back pain.

Spinal fractures can be repaired if diagnosed. KYPHON® Balloon Kyphoplasty is a minimally invasive treatment for spinal fractures that can correct vertebral body deformity, reduce pain and improve patient quality of life.

before

balloon kyphoplasty

after

Spine specialists actively offering KYPHON® Balloon Kyphoplasty in your local area: Dr. Hatem Abdo Dr. Spiro Antoniades Dr. Oren Blam Dr. Andrew Brown Dr. William Cook Dr. Michael Dabbah Dr. Reginald Davis Dr. Charles Edwards Dr. Dale Johnson

410-391-6904 410-539-3434 410-644-1880 410-350-3389 410-879-0066 410-337-8888 443-849-4270 410-539-3434 410-601-5201

Dr. Agha Khan Dr. Akhil Khanna Dr. Mesfin Lemma Dr. Alma Lynch-Nyhan Dr. Charles Park Dr. Charles Schnee Dr. John Sefter Dr. Lawrence Shin Dr. Henry Wang

410-601-8314 410-532-4538 410-532-4786 410-828-2311 410-391-6904 410-646-0220 410-337-8888 410-368-8323 443-849-2311

For more information on balloon kyphoplasty call 800-652-2221 or visit www.kyphon.com Medtronic maintains a list of physicians who have been trained to use, and are believed to be both active and proficient users of, Medtronic’s products and who are willing to accept patient referrals. Physician participation on this list is voluntary and free. All referrals are identified based upon geographic criteria only. Medtronic does not guarantee the accuracy of the listings or the capabilities of the physicians listed. The physicians referenced may be paid consultants of, and research cited may have been funded partially or in whole by, Medtronic. Although the complication rate with KYPHON® Balloon Kyphoplasty has been demonstrated to be low, as with most surgical procedures, there are risks associated with the procedure, including serious complications. This procedure is not for everyone. A prescription is required. Please consult your physician for a full discussion of risks and whether this procedure is right for you. © 2008 Medtronic Spine LLC. All Rights Reserved.

MEDTRONIC Spinal and Biologics Business 1221 Crossman Avenue Sunnyvale, CA 94089 USA Tel: (408) 548-6500 16003152_020 [01]

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Health Studies Page

AUGUST 2011 — BALTIMORE BEACON

THE PLACE TO LOOK FOR INFORMATION ON AREA CLINICAL TRIALS

Study looks at prostate cancer factors By Carol Sorgen Prostate cancer is the most common cancer among American men, causing more than 40,000 deaths annually. Although it can occur in men of all ages, it most often strikes those over the age of 65, and is also more prevalent in African American men than in any other group. For every 100,000 African American men, for example, about 181 will develop prostate cancer this year, and 54 of those will die from the disease. Prostate cancer is the fourth most common cause of death in black men.

While African American men are already at higher risk for prostate cancer, that risk increases significantly if there is a family history of the disease. African American men with an immediate family member who had prostate cancer have a one in three chance of developing the disease. The risk increases to 83 percent when two immediate family members have had the disease, and jumps to 97 percent if three immediate family members developed prostate cancer.

Research Study Have you been told you snore? Do you need to lose weight? Johns Hopkins Medicine is conducting a research study in persons who may snore and are not currently being treated for snoring. Eligible participants must be over 60 years of age, overweight, not smoking, and not regularly exercising. All visits are free, including parking, at the Johns Hopkins Bayview Medical Center.

For more information, please call 410-550-5428 or 410-550-5429 or 410-550-6997. Principal Investigator: Devon A. Dobrosielski, PhD IRB# NA_00040314

Research Study

Are you having memory problems? We could help! Are you having memory trouble? Or do you know someone who is? Do you want to help us find better treatments?

Why the higher rate? Researchers have been investigating the factors, including genetic, environmental and nutritional, that may play an important role. Blacks in Africa do not have the same high rate of prostate cancer and mortality as blacks in the United States. One hypothesis is that a genetic difference and lower levels of vitamin D may contribute to the higher rates of prostate cancer in African American men. Other theories about the higher incidence of prostate cancer in African American men include less access to healthcare and a lack of insurance, which may mean that African American men don’t always get the preventive care they need. In addition, distrust or negative attitudes about screening tests and healthcare may mean that African American men don’t get diagnosed with prostate cancer until it is more advanced.

Studying healthy and ill patients To improve knowledge about the factors that affect the risk of developing prostate cancer, a study sponsored by the National Cancer Institute is currently examining genetic and environmental risk factors for prostate cancer in both African American and Caucasian males. The study is looking for both healthy men and those who have been diagnosed with prostate cancer. They must be be-

BEACON BITS

Ongoing

For more information and to learn how to participate, please call, 1-855-204-4797 Constantine G. Lyketsos, MD, Principal Investigator Johns Hopkins Medicine IRB#HBV84-04-26-01

SUPPORT FOR BREAST CANCER PATIENTS Mercy Medical Center sponsors Arm in Arm, a breast cancer sur-

vivor support group dedicated to promoting the physical and emotional well-being of women with breast cancer by providing friendship, support and understanding. Nurses and allied health professionals from the Hoffberger Breast Center at Mercy support this effort. To learn more, visit www.mdmercy.com or call (410) 332-9000.

Johns Hopkins doctors have several research studies for people with memory trouble, dementia, or Alzheimer’s. Our research studies cover a variety of age ranges but most are for persons 60 years and older.

tween ages 40 and 90. Participants must have been born in the United States and speak English. Healthy participants cannot have had any radiation or chemotherapy or have had any cancer other than basal cell or non-melanoma skin cancer. Prostate cancer patients in the trial must have been diagnosed within the last two years and cannot be severely ill or have HIV or hepatitis B or C. The study will take place at the University of Maryland School of Medicine and the Veterans Affairs Medical Center in Baltimore. Because the study is seeking to enroll 1,200 men, participants are being sought from the Baltimore area, western Maryland, Washington, D.C, Virginia, West Virginia, Delaware and Pennsylvania as well. Participants will make several visits to the study site where they will undergo collection of blood or mouth cells and urine. Among the factors to be assessed using periodic questionnaires are family cancer history, medical history, tobacco and alcohol use, medication, occupational history, lifestyle, sexual history, diet, socioeconomic status and additional risk factors. Patients who undergo prostatectomy to treat their cancer donate a sample of their tumor for genetic analysis. Compensation is not offered for this study. For more information, call (410) 328-5512 or visit www.clinicaltrials.gov, study number NCT00556725.

BALTIMORE BEACON â&#x20AC;&#x201D; AUGUST 2011

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Sign up for the Maryland Senior Olympics By Barbara Ruben Are you an ace ping pong player or into shooting hoops? These and 19 other sports will be represented at the 2011 Maryland Senior Olympics, which will be held from Aug. 13 through Nov. 6 at venues in Howard and Montgomery counties. More than 2,000 athletes are expected to compete in over 100 events at this yearâ&#x20AC;&#x2122;s Maryland Senior Olympics, which are open to all Maryland residents 50 and older. The Maryland games, some of the oldest in the country, began in 1980 as a oneday event with 300 athletes. Success in Maryland helped spur other states to host their own games and helped lead to the creation of the biennial National Senior Games in 1985. The first Howard County competition this year will be in volleyball on August 13 at Meadowbrook Athletic Complex in Ellicott City. Basketball events will take place at the same location the next day.

Track and field events will be held Aug. 20 to 21 at Howard Community College in Columbia. Ten-pin bowling competitions are scheduled for Sept. 12 and 13 at Brunswick Normandy Lanes in Ellicott City. Singles and doubles table tennis games take place on Sept. 17 at Maryland Table Tennis Association in Eldersburg. Archery competitors will take aim on Sept. 25 at Genesse Valley Outdoor Learning Center in Parkton. Horseshoe throwers will gather on Oct. 3 at Centennial Park in Clarksville. Singles racquetball is on Oct. 6, while doubles competition takes place Oct. 7, both at Supreme Sports Club in Columbia. Badminton, billiards, lawn bowling, softball, tennis and swimming will all take place at various venues in Montgomery County. Registration is open now. Cost to participate in one event is $20; each additional event is $5. Deadline for registration is 30

Nutrition wise

The bottom line: unless you are in a group at specific risk of inadequate iodine consumption, such as vegans (vegetarians who consume no animal products) or pregnant women (whose needs increase), you are more than likely getting enough iodine in your diet. There is no evidence it will change your risk of thyroid cancer, and too much iodine can cause thyroid damage the same as getting too little. 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 â&#x20AC;&#x153;Nutrition Wise,â&#x20AC;? 1759 R St., NW, Washington, DC 20009. Collins cannot respond to questions personally.

From page 11 The recommended intake for iodine is 150 micrograms (mcg.) daily, and in the United States average iodine consumption ranges from 190 to 300 mcg. per day. Thatâ&#x20AC;&#x2122;s above the level associated with deficiency, but well below the safe upper limit of 1100 mcg. daily. Iodine intake may decrease as people work on reducing sodium consumption by adding less salt to their food, since iodized salt is an important source. However, two cups of milk or yogurt each day supply nearly the complete recommended iodine target. Fish and enriched grain products are also important sources. And for those who eat seaweed, though content varies widely, it is the most concentrated source in our food supply. Federal surveys continue to monitor markers of iodine status, and pregnant women are the only ones raising concern.

days prior to your first event start date. No registrations will be accepted after Oct. 1. To register, go to www.mdsenior

olympics.org. For more information, email info@mdseniorolympics.org or call (240) 777-8080.

Seeking Overweight Postmenopausal Women Lose weight and improve health! Participate in a research study at the University of Maryland Baltimore / Baltimore VA You will receive: Health and Fitness Evaluations â&#x20AC;˘ 4 months of yoga or walking classes Weight loss and stress reduction counseling You must be less than 20 years postmenopausal, under age 70, and a non-smoker with no history of diabetes.

410-605-7179

Mention code: NEMO-II

Studies on Aging: Johns Hopkins University Are you 70 years or older? Investigators from the Division of Geriatric Medicine at the Johns Hopkins Bayview Medical Campus are looking for individuals aged 70 or older to participate in a research study that is looking at the aging process. Tests would include measurements of strength, walking speed and questions about your physical activities. We may also request a blood draw and urine sample. You will be paid $10 for participating depending on the study and we can conduct the study in your home. No travel required. If you choose to travel to Bayview, a parking pass will be given to you.

For more information, please call our study coordinators at Bayview:

Trouble Sleeping? 410-550-9016 or 410-550-2113 We look forward to hearing from you!

Volunteer for a Sleep & Sensory Tes ng Study Researchers at the Johns Hopkins School of Medicine are looking for volunteers to par!cipate in a research study examining the associa!on between sleep and sensory abili!es.

Request free info via coupon on page 5.

Seeking Men and Women The University of Maryland & Veterans AďŹ&#x20AC;airs of Baltimore are conducting a research study to better understand FALLS in aging individuals. With your participation you will receive:

â&#x20AC;˘ Health evaluation â&#x20AC;˘ CT scans of waist, hip, and leg â&#x20AC;˘ Balance and strength testing

410-605-7179 Mention code: FALLS You must be at least 65 years old and in good health. You will be compensated for your time.

â&#x17E;˘ To par cipate in this study, you must be: â&#x20AC;˘ 50 Years of age or older â&#x20AC;˘ Have Trouble Staying Asleep â&#x20AC;˘ Be otherwise Healthy

â&#x17E;˘ Compensa on up to $330.00

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AUGUST 2011 â&#x20AC;&#x201D; BALTIMORE BEACON

Supplements & meds that raise cholesterol Dear Pharmacist: I started two new medications a few months ago, and suddenly my cholesterol is too high. Itâ&#x20AC;&#x2122;s so bizarre because I had perfect numbers all my life, and I eat well and exercise. Can drugs raise cholesterol? â&#x20AC;&#x201D; J.G. Dear J.G.: Yes, hundreds of them can. Nowadays, people are quick to take statins (like Zocor) and fibrate medications (like Tricor) to lower their cholesterol, but you are spot on. Something you take every day for one condition can cause your cholesterol to creep up. People are always shocked when they find out they are causing their own choles-

terol problems â&#x20AC;&#x201D; either with low carb diets or with medications â&#x20AC;&#x201D; but itâ&#x20AC;&#x2122;s true. Some dietary supplements can raise it, too. The type of reaction is very individual and can take weeks or months to occur. If you think that your medication is causing high cholesterol, talk to your doctor about discontinuing it or switching to something that doesnâ&#x20AC;&#x2122;t elevate your numbers quite so badly. But do not stop taking any medicine without first obtaining your doctorâ&#x20AC;&#x2122;s approval. Here are some popular items that cause hypercholesterolemia. Some cause slight increases, while others really spike it. Rosaglitazone (Avandia). Once upon a time a blockbuster diabetes treatment, this

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drug can raise cholesterol. Thatâ&#x20AC;&#x2122;s the least of antidepressant that may raise cholesterol, its problems, as consistent reports of life- cause hypoglycemia and trigger gout threatening reactions have led episodes; it may reduce iron both the United Kingdom and and potassium (sparking carSouth Africa to withdraw this diac arrhythmias). drug from use. It is still FDACreatine. A dietary suppleapproved for U.S. citizens. ment used primarily by sports Hmm. enthusiasts, bodybuilders and Vitamin D. I love this anpeople with muscle disorders tioxidant, but some people are and Lou Gehrigâ&#x20AC;&#x2122;s disease. It overdoing it. Excessive D can may cause a slight elevation cause excessive calcium in in cholesterol if you take large the blood, and this can cause doses. DEAR hypercholesterolemia. Prednisone. This anti-inPHARMACIST Diuretics. These â&#x20AC;&#x2DC;water pillsâ&#x20AC;&#x2122; flammatory drug and its By Suzy Cohen help reduce blood pressure. cousins in the â&#x20AC;&#x153;corticosteroidâ&#x20AC;? The â&#x20AC;&#x153;thiazideâ&#x20AC;? and â&#x20AC;&#x153;loopâ&#x20AC;? diclass can cause high cholesuretics are known to elevate total cholesterol with chronic use; it doesnâ&#x20AC;&#x2122;t matter if terol, LDL and blood glucose. you take the steroid orally, inject it or inHydrochlorothiazide (HCTZ) is sold on hale it. its own and also found in dozens of combo Olanzapine (Zyprexa). Used to treat drugs under various brand names, usually schizophrenia, it has caused severe elevaending in â&#x20AC;&#x153;HCT.â&#x20AC;? And furosemide (brand tions in triglycerides (greater than 500 name Lasix) is quite possibly the worldâ&#x20AC;&#x2122;s mg/dL) in some individuals. most popular loop diuretic. Any med that This information is opinion only. It is not contains HCTZ or furosemide may con- intended to treat, cure or diagnose your contribute to high cholesterol. dition. Consult with your doctor before using Escitalopram (Lexapro). A popular any new drug or supplement. antidepressant, related to Celexa. A slight Suzy Cohen is a registered pharmacist elevation in cholesterol levels was shown and the author of The 24-Hour Pharmacist in post-marketing studies. and Real Solutions from Head to Toe. To Fluoxetine (Prozac). Another popular contact her, visit www.dearpharmacist.com.

Get Ready, Get Set, Get Fit

5K Run/Walk - 1 Mile Walk Sunday, August 28, 2011 8 a.m. Johnny Unitas Stadium, Towson University REGISTRATION Mail entry form with check (payable to BCDA) to: Baltimore County Department of Aging 611 Central Avenue, Room 325, Towson, MD 21204 Attn: Susan Brooks or Register on-line at www.getreadygetsetgetfit5k.com

Name: _______________________________________________________________ Address: _____________________________________________________________ City: _____________________________ State: _______Zip:____________________ Phone # ______________________ E-Mail: _________________________________

ENTRY FEE Prior to August 28 $10 Seniors (60 yrs & older) & Juniors (6 - 25 yrs) &OR /THER 2UNNERS s $AY OF THE 2ACE (Do not mail race application after August 12) ADVANCE REGISTRATION AND PACKET PICKUP BYKOTA SENIOR CENTER 611 Central Avenue, Towson, MD 21204 s &RIDAY !UGUST s .OON n P M s 3ATURDAY !UGUST s A M n NOON RACE DAY PICKUP s 3UNDAY !UGUST A M s *OHNNY 5NITAS 3TADIUM

I am a: 5K Runner Gender:

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Packet pick-up day of race or in advance at Bykota Senior Center 8/26/11 from 12 noonâ&#x20AC;&#x201D;4:30 p.m. Release and Waiver: In consideration of the acceptance of my entry, I for myself, my personal representatives, executors, administrators, and assigns, do hereby release and discharge, the Baltimore County Department of Aging, Baltimore County, its employees, agents and officials, Towson University, Charm City Run, all volunteers and sponsors of all claims of damage, suits, demands, and actions, whatsoever in any manner arising from my participation in this athletic event. I attest and verify that I have full knowledge of the risks involved in this event and I am physically fit and sufficiently trained to participate. The Baltimore County Department of Aging has my permission to take my photograph and reproduce or duplicate it for any and all legal purposes, including, but not limited to, distribution in electronic and/or print media to enhance the Agencyâ&#x20AC;&#x2122;s programs and services.

Signature: _________________________________

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(Parent/Guardianâ&#x20AC;&#x2122;s signature required if participant is under 18 years of age)

For more information call 410-887-2594 or visit www.getreadygetsetgetfit5K.com

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BALTIMORE BEACON — AUGUST 2011

Is remembering wallowing in the past? Dear Solutions: Try to understand that your wife is livI’m married for the second time. I ing in the home that was yours and your had a good marriage beformer wife’s, and she’s strugfore, but my wife died. I’ve gling to make it hers. You kept pictures of her with don’t have to forget your past, the children and with me but you have to live in the taken at different places. present, and that’s what your My present wife and I wife is trying to do. Help her. are living in my home, and Dear Solutions: she has collected all the What to do about an old pictures of my former wife friend of mine who used to and asked me to get rid of have a lot of money but them. I want this marriage lost most of it in one of to work, but I don’t see SOLUTIONS those horrible schemes? I why I have to throw away By Helen Oxenberg, feel bad for him, but no MSW, ACSW my past. Should I? matter how much time — Second Time Around Dear Second Time: Don’t throw away your past — give it away. Give the pictures to your children. They will probably want them for their family history.

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that he was cheated, set a time limit. Take him out to dinner, where he can whine and dine one more time. After that, make it clear that you will now only listen to his plans for the future, not his regrets for the past. © Helen Oxenberg, 2011. 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) 655-3684.

passes, he never stops complaining and whining about it. It isn’t even as though he made all that money himself. It came to him suddenly through a stroke of luck from some distant relative, and he didn’t

BEACON BITS

Aug. 4+

even have it that long before he lost it. He’s acting as though he never lived any other way, and now he’s completely lost. — The Friend Dear Friend: Once he was nouveaux riche, and now he’s nouveaux poor. Nouveaux riche is better, so you can’t blame him for moaning and groaning and mourning its loss. After sympathizing with him and expressing your empathy and understanding

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AUGUST 2011 — BALTIMORE BEACON

Does your organization use senior volunteers or do you employ a number of seniors?

Careers Volunteers &

If you do and you’d like to be considered for a story in our Volunteers & Careers section, please send an email to info@thebeaconnewspapers.com.

Relocation inspires franchise opportunity nity newspaper that was initially founded in Canada as a vehicle for local businesses to advertise at reasonable rates. In 1995, Bill Buckley became the first American franchisee of Coffee News, producing free weekly newspapers that were distributed to local restaurants. In 2008 Buckley bought the company, which is now based in Bangor, Maine. There are currently close to 400 Coffee News franchisees throughout the U.S., five in the greater Baltimore area.

Being their own bosses Buckley calls his franchisees “bosses,” and every eight weeks offers a new threeday training session. Each franchisee is as-

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signed a mentor and provided with a free website, software package and an online chat group. According to Youll, the content of Coffee News — which she first became aware of while still living in New Jersey — is made up of ads from local businesses and snippets of light reading, such as horoscopes, quotable quotes, jokes and trivia. “It’s just one piece of paper,” said Youll, “and it’s fun, clean stuff that will put a smile on your face, in addition to being an effective advertising outlet for the business community.” Coffee News was originally designed to be placed in restaurants so diners could have something quick to read to pass the time while waiting for their meal. But Youll has expanded her sites and has been approaching doctors’ offices, barbershops, car dealerships and other places people might have a few spare minutes. “The paper gives people something to occupy their time and leaves them with a smile on their face,” said Youll. She adds that the response from prospective distributors has been enthusiastic, which pleases her both professionally and personally. “I love it here,” said Youll, her concerns about her new home now laid to rest. “People have welcomed me with open arms.”

Becoming a franchisee Youll had a background in advertising, but not all franchisees do. Buckley, for example, had spent 25 years in the banking industry before becoming a Coffee News franchisee. What you do need to start any business, Youll advised, is enough money to tide you over — “there are always hidden fees

PHOTO COURTESY OF JUDY YOULL

By Carol Sorgen When Jody Youll and her husband moved to Joppa last summer as part of the (BRAC) Base Realignment and Closure effort (Youll’s husband is a civilian military employee), she was afraid she wouldn’t experience the same sense of community she had enjoyed in her New Jersey neighborhood. But a franchise opportunity has put Youll in the very midst of her new hometown, and she couldn’t be happier. Youll is now publisher of Coffee News Harford, a community newspaper serving Bel Air and its surrounding neighborhoods. Youll, 54, purchased the franchise in April and has just distributed her first issue. Coffee News is an offshoot of a commu-

After a move to the Baltimore area, Judy Youll felt better-connected to the community when she bought a Coffee News franchise. Now she produces the short weekly publication for the Bel Air area.

when you’re starting up” — and a well-researched and executed business and marketing plan. “Do your research and have enough money to last for at least a year,” said Youll. She invested about $20,000 in the business from an inheritance she received from her father, also an entrepreneur. “You don’t make money right away.” Still, she said, it has been money well spent, and she wouldn’t have done it any other way. “I knew I needed a job when we moved to Maryland, and I didn’t want to work for corporate America,” she said. “This gives me the opportunity to create something that will make people happy.” To learn more, visit www.coffeenew sharford.com or www.coffeenewsusa.com.

BEACON BITS

Ongoing

MEDICAL MISSION TO ECUADOR

Ecuadent Foundation’s mission is to bring free dental and medical care to impoverished children of Ecuador through yearly mission trips. Volunteer opportunities are available for licensed dental and medical professionals and for volunteers to help with fundraising, administrative duties and supply acquisition. To learn more, contact Nikki Porter at (410) 561-1800, email info@ecuadent.org or visit www.ecuadent.org.

VOLUNTEER TO HELP CANCER PATIENTS

Ongoing

Hope Lodge, a service of the American Cancer Society, offers free lodging for cancer patients and their caregivers. Find out how you can help by contacting Karen Seaberry at (410) 547-2522 or at karen.seaberry@cancer.org.

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BALTIMORE BEACON — AUGUST 2011

Working boomers say age a plus at office By Laurie Kellman Feel like the office geezer? Age may be an asset at work, or no issue at all, according to an AP-LifeGoesStrong.com poll. Nearly half of those born between 1946 and 1964 now work for a younger boss, and most report that they are older than most colleagues. But 61 percent of the baby boomers surveyed said their age is not an issue at work, while 25 percent called it an asset. Only 14 percent classified getting older as a workplace liability. In fact, most of those who have reached age 50 noted that co-workers seek their counsel more now than when they were younger. And a third said their employer treats them with greater respect. The first post-World War II baby boomers reach 65 this year. But two-thirds say they’ll work at least part-time past retirement age for financial reasons, either because they’ll need to or because they’ll want extra spending money. Another 29 percent said they’ll keep working just to stay busy. About 1 in 4 boomers still working say they’ll never retire, and about the same fraction say they have saved no money for retirement.

Some find discrimination On the question of age discrimination, 82 percent said they have never personally experienced it in the workplace; 18 percent said they had. But that number rose to 24 percent for unmarried women and to 29 percent among boomers reporting job dissatisfaction. The most oft-cited form of age discrimination was being passed over for a raise, promotion, certain assignments or a chance to get ahead. That was reported by

15 percent of workers 50 and older, although those in lower-income households — or those not currently employed — reported more instances. David J. Miller, a 55-year-old machinist in Parkton, Md., said he is “doing a job nobody wants” for a new company after he tried to leave management at his old employer and it subsequently moved its headquarters away. It shouldn’t be too hard to find a job with 30 years of experience, Miller thought. “But every time I had an interview, it was I’m ‘way overqualified’ even though I was willing to start at the bottom,” Miller said in an interview. “I know what that means: ‘You’re too old.’”

Postponed retirements A Congressional Budget Office report released in the spring found that while boomers are expected to begin leaving the workforce over the next decade, they may also be retiring later in life than previous generations. And that could “substantially dampen growth in the labor force” through 2021, the nonpartisan CBO reported. The reasons are many: Women, who tend to live longer than men, have exhibited greater attachment to the workforce than their earlier cohorts. This group’s overall health is better. And a shift toward fewer jobs requiring physical strength could be a factor, CBO said. Institutional changes in pension plans, health insurance and Social Security also give older workers more reason to keep their jobs longer, CBO said. The shift in private pension plans toward defined-contribution arrangements, which depend on the total assets accrued by workers, gives added reason to keep

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working and keep earning. And employer-provided health insurance for retired workers is becoming less common, giving older workers more reason to keep their jobs until at least age 65, when Medicare kicks in. Changes in Social Security, too, provide incentive to work for more years, the CBO reported. The gradual increase in the full retirement age from 65 to 66, which applies to the oldest boomers, and to 67, which will apply to the youngest, effectively reduces benefits associated with early retirement and may give older workers reason to stay on the job. About a fifth of boomers said they were

dissatisfied with their jobs, and about 3 in 10 said they were dissatisfied with opportunities for advancement and with levels of on-the-job stress. But the majority, 71 percent, reported being satisfied with their job. And three quarters said they were satisfied with their relationships with co-workers. The AP-LifeGoesStrong.com poll was conducted in March and involved online interviews with 1,160 baby boomers. The margin of sampling error is plus or minus 3.5 percentage points. For more information on the poll, see http://work.lifegoesstrong.com/workplac e-poll. —AP

BEACON BITS

Ongoing

HELP THE IGNATIAN VOLUNTEER CORPS

The Ignatian Volunteer Corps (IVC) is a national organization of men and women 50 and over, founded (in Baltimore) to provide an opportunity for retired or semi-retired persons to share their talents, skills, wisdom and life experience in service to the poor. For more information, visit www.ivcusa.org and click on the Baltimore page, email baltimore@ivcusa.org, or call Marilyn Dunphy at (410) 752-4686.

Ongoing

ASSIST WAR TRAUMA SURVIVORS

ASTT provides mental health care and social services to survivors of torture and war trauma. To learn more about volunteer opportunities, contact Maria Brown at (410) 464-9006, mbrown@astt.org, or visit www.astt.org.

AUGUST 2011 — BALTIMORE BEACON

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Money Law &

CHECK OUT YOUR ADVISER

A new government database allows you to review your financial adviser’s record, including complaints,settlements and disciplinary actions A WILL AND A WAY Wills provide a means to ensure your survivors inherit what you would like them to have. For retirement assets, don’t forget to designate your beneficiaries

Are there funds waiting for you to claim? By Elliot Raphaelson According to the National Association of Unclaimed Property Administrators (NAUPA), assets worth over $32 billion are held by various states just waiting to be claimed by their rightful owners. You may be entitled to some of these assets. I will explain how this property ends up with the states, and how you can determine whether you have unclaimed property you don’t know about. Unclaimed assets can come from any number of sources: uncashed dividends, refunds or payroll checks, savings and checking accounts, common stocks, traveler’s checks, trust distributions, uncashed money orders, life insurance proceeds, annuities, certificates of deposit, security deposits or safe-deposit contents. State laws stipulate that under certain circumstances, financial institutions and other companies must turn over unclaimed assets to the state. For example, you may have a savings account that has been dormant for three years (the limits will vary by state). The financial institution might be required to make a public notice identifying your name and the institution holding your assets.

If you do not see the notice and notify the financial institution, the bank will then have to turn the asset over to the state. After the assets are turned over to the state, no further interest will accrue.

Free access to databases Meanwhile, the funds in the dormant account are listed in a database under your name. Periodically, states update their databases, which are available on the Internet. Anyone can access the state’s database, at no cost, and determine if there are assets being held in his name. Let’s say you check your state’s database and see that the funds from your old bank account are sitting there, unclaimed. All you have to do is contact the department in charge (usually the state department of treasury) and supply the proof they ask for to claim the funds. Several years ago, I was the executor of my aunt’s estate. I filed her will with the state’s probate office. She had detailed records, and I thought I had complete knowledge of her assets and beneficiaries. I distributed all the assets I was aware of. Apparently, however, she purchased one certificate of deposit for $3,000 but did

not name a beneficiary, and I was not aware of its existence. Her will stated that assets in her name would be shared equally by me and my two children. A few years after she passed away, my son, Mark, did a search on Florida’s abandoned property website and found the unclaimed assets in her name. We supplied the state with the information they required — a copy of the will, and the names and addresses of all the beneficiaries, with signatures. Within 30 days, the state sent us our checks. (Mark and I “invested” in the Kentucky Derby. Debra, the conservative one, is saving for early retirement.)

Claim at any time There is no statute of limitation for claiming assets held by the state. There are many ways for you to determine whether a state is holding assets that belong to you. You can go to a search engine on the Internet and type in your state’s name and “unclaimed property,” and the results will likely show the website for the relevant department in your state. When you find your state’s website, there is no cost for you to enter your name and the names of your family members to find

possible unclaimed assets. You may want to use different spellings of your name just in case errors were made in record keeping. If you have lived in more than one state, you can use another free website: missingmoney.com, which contains information for multiple states. NAUPA has its own website, www. unclaimed.org, which contains a great deal of important information regarding unclaimed property, the consumer-protection laws that benefit you, and links to state websites. If you have been named as a beneficiary in a will or trust agreement by a relative or anyone else, you should enter his or her name on these websites to determine if there are any assets under that name that now belong to you. With so many assets going unclaimed, it would hardly be surprising that some might belong to you. Next time you’re surfing the net, visit the websites I mentioned above and see. You certainly have nothing to lose. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. © 2011 Elliot Raphaelson. Distributed by Tribune Media Services, Inc.

Get insured despite pre-existing conditions By Mark Miller Over age 50 but under 65? If so, you’re at risk of falling into the pre-existing condition healthcare gap. In the current health insurance marketplace, it’s very difficult for people with preexisting conditions to buy a quality policy at an affordable price. The problem disproportionately affects older people in this age group; they’re too young to quality for Medicare yet very likely to have at least one chronic condition that leads health insurance companies to turn them down. The problem impacted 15 percent of all Americans age 50-64 in 2009, according to a recent report by the Commonwealth Fund — 8.6 million people. Meanwhile, another 9.7 million in this age group had coverage with such high deductibles that they were considered “effectively underinsured.” Starting in 2014, the new healthcare reform law will get these folks covered through expansion of Medicaid and the cre-

ation of new private insurance exchanges. In the meantime, the Affordable Care Act (ACA) put a Band-Aid on the problem by setting aside $5 billion to fund a pre-existing insurance program (PCIP) that operates until the end of 2013, when enrollees will shift to coverage via the new exchanges. This bridge initiative got off to a slow start in 2010, but significant improvements are being made this year that are worth knowing about if you’re struggling to find health insurance coverage. The ACA gave states the option of using federal dollars to administer their own PCIP programs, or to offer a plan run by the federal government. Twenty-seven states are offering their own plans. But last year, only 8,000 people enrolled nationwide in these plans. The weak start was due partly to the short ramp-up time available after the ACA became law, according to Jean Hall, an associate research professor at the University of Kansas who specializes in healthcare.

Cheaper plans now available But in many cases, the plans just weren’t very good deals. Premiums sometimes exceeded $1,000 per month, with annual deductibles as high as $5,000. Finally, enrollees must be uninsured for six months prior to coverage in order to be eligible, a rule that further reduced sign-ups. The plans that did get relatively strong enrollment were in a handful of big states, including Pennsylvania, California, Illinois and Ohio. The plans in these states also decided to set their premiums at very affordable rates — which they had discretion to do under the ACA. For example, Pennsylvania’s program last year had a flat monthly rate of $283 per enrollee — for a person of any age — with an annual $5,000 in-network, out-of-pocket limit. Meanwhile, noteworthy improvements are being rolled out to PCIPs this year that will make them worth checking out for those struggling to find insurance.

Premiums will be reduced in many states. Moreover, the federal program will offer three plan options, two of which feature lower deductibles for prescription coverage. New child-only premium options also are being offered to reduce the cost of covering children with pre-existing conditions. “I do believe the new federal options represent a significant change for consumers,” Hall said. “People can get prescription costs covered sooner, which is potentially very important for many people with chronic conditions. Also, adding the child-only premiums creates a significant savings for families who have children with chronic conditions.” The PCIPs cover a broad range of health benefits, including primary and specialty care, hospital care and prescription drugs. The law requires that they cover, on average, no less than 65 percent of medical costs and limit out-of-pocket See GET INSURED, page 20

More at TheBeaconNewspapers.com | Law & Money

BALTIMORE BEACON — AUGUST 2011

Medicare becomes costly for high earners By Mark Miller The new healthcare reform law aims to cover nearly all Americans and to get our exploding national healthcare tab under control. But reform also calls for some up-

front investment, and someone needs to foot the bill. Wealthy retirees — it’s time to grab your wallets. Starting this year, the most affluent seniors are shouldering steep increases in

Ways to cope with higher Medicare premiums Here are four strategies to consider that can help you control premiums, and also hold down overall out-of-pocket healthcare costs in retirement: 1. Avoid the surcharge. “The surcharges on Medicare premiums starting in 2011 can be steep,” said Christine Fahlund, senior financial planner at T. Rowe Price. “It’s important for retirees to work with their tax advisers to try to avoid them each year, or as often as possible.” One possible strategy is to take portfolio withdrawals from a Roth IRA, which are not counted in Social Security’s definition of taxable income. Or, alternate withdrawals from taxable accounts so you don’t have to pay the surcharge every year. 2. Challenge the surcharge. The Social Security Administration (SSA) will determine if you must pay the premium surcharge using your most recent tax return — in most cases, 2010. Eligibility is determined using your modified adjusted gross income (MAGI), which is the total of your adjusted gross income and tax-exempt interest income. If your MAGI is higher than the income threshold in any given year, you’ll get a letter from the SSA indicating your premium. If your income has fallen since your tax return was filed, you may be able to appeal under certain circumstances. For more information, download a free guide to the income thresholds at the SSA’s website: http://1.usa.gov/incomethresholds. 3. Work longer. Staying on the job even a few years longer than planned is one of the best overall ways to improve

retirement security — and health insurance is one of the key reasons, because it means more years of employer-sponsored health insurance and delayed Medicare enrollment. If full-time work isn’t possible, try to stay on part-time if that will allow you to stay insured. 4. Shop the plans annually. Unfortunately, seniors need to re-shop prescription drug or Medicare Advantage plans each year to ensure that they’re getting the best price and appropriate coverage. Insurance companies often change their offerings year-to-year in ways that can increase premiums by thousands of dollars, or make it difficult to get certain drugs. And your health needs may change, too. The annual enrollment window runs from Oct. 15 to Dec. 7, and with dozens of plans available in most parts of the country, shopping can be a complex chore. For the computer-savvy, the Medicare website offers an excellent Plan Finder tool (http://1.usa.gov/PlanFinder); more personalized help is available from your local State Health Insurance Assistance Program, a network of nonprofit Medicare counseling services (http:// bit.ly/SHIPNetwork). The Medicare Rights Center also offers free counseling by phone (1-800-333-4114). If you’re willing to pay to get advice and help with paperwork, hire an independent, fee-based counseling service such as Allsup. For $200 to $300, Allsup assigns an adviser who will provide a written personalized plan analysis and offer phone consultations. — Mark Miller

Peace of Mind for You... and your children

Medicare premiums mandated under the Affordable Care Act (ACA). This year, the surcharges affect individuals with $85,000 or more in annual income, and joint filers with income over $170,000. While $85,000 may not sound stratospheric, keep in mind that income typically falls in retirement after paychecks stop arriving. Social Security, pensions and retirement account withdrawals are the usual income sources. The most affluent seniors have been paying higher Medicare Part B premiums (for doctor visits and outpatient services) since 2007. But until now, the income levels at which the higher costs applied were indexed to inflation each year to keep the same percentage of beneficiaries subject to the surcharge. The ACA freezes the threshold at 2010 levels through 2019, starting this year.

Drug plans means-tested, too And the ACA also extends the income formulas to Part D prescription drug enrollees for the first time. The changes will affect just 5 percent of Medicare enrollees this year, although that figure will rise to 14 percent by 2019 as more seniors jump

past the frozen income threshold levels, according to the Kaiser Family Foundation. High-income seniors who pay both Part B and Part D premiums could see their combined premiums rise anywhere from $300 to $700 per month by the end of the decade, according to Juliette Cubanski, associate director of Kaiser’s Medicare Policy Project. “That’s a considerable sum, considering that the base Part B premium for most people this year is $96.40,” she said. The new income thresholds also affect people who choose a Medicare Advantage plan (Part C), which often covers prescription drugs. Advantage enrollees typically pay the monthly Part B premium plus a supplemental premium to the Medicare Advantage plan; now, these premiums are being adjusted to factor in the higher-income amounts for Part B and Part D coverage, where applicable. The policy aims to help offset the cost of healthcare reform by reducing taxpayer subsidies on Medicare services for seniors

Strategic Estate Planning for Seniors • • • •

See COSTLY MEDICARE, page 20

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Costly Medicare

AUGUST 2011 — BALTIMORE BEACON

No more doughnut hole in 2020

From page 19 who don’t really need the help. The standard Part B premium is set annually to cover 25 percent of program costs; taxpayers foot 75 percent. Seniors subject to the new income thresholds will see that subsidy fall by the end of the decade to just 20 percent. “The examples everyone mentions are Bill Gates and Warren Buffett,” said Cubanski. “Why subsidize rich Medicare beneficiaries?” Kaiser estimates that the higher premiums will save taxpayers $25 billion for Part B from 2010 to 2019, and $10.7 billion for Part D.

Get insured

The ACA does provide important new benefits to retirees that should at least take the edge off the higher expenses over time. The Medicare Part D prescription drug doughnut hole will be closed. That’s the coverage gap that starts when a beneficiary’s annual drug spending hits $2,830, and resumes at the catastrophic level ($4,550). This year, pharmaceutical companies are providing a discount of 50 percent on brand-name drugs to low- and middle-income beneficiaries who find themselves in the gap. Then, the doughnut hole itself will shrink a bit every year, ultimately disap-

Local plans

From page 18 spending to $5,950 for individuals. They also cannot impose pre-existing condition exclusions or waiting periods.

The federal website for the ACA has a page that describes the state plans and lists contact information where consumers can get current information on 2011 insurance options. Visit http://1.usa.gov/pre

pearing entirely in 2020. The law also contains some important improvements to traditional Medicare aimed at boosting preventive care. Medicare patients now receive an annual wellness visit — with no co-payment or deductible — that includes a comprehensive health risk assessment and a long-term personalized prevention plan. Deductibles and co-payments also were eliminated for most preventive care services. But the new income-based premiums arrive at a time when rising out-of-pocket health insurance costs pose a growing threat to retirement security for all retirees — affluent or not. Cubanski said the median out-of-pocket

premium expense for Medicare beneficiaries as a share of income rose from 11.9 percent to 16.2 percent between 1997 and 2006 (the most recent year for which data is available). While Medicare provides strong financial protection for basic services, coverage gaps force beneficiaries to pay relatively high out-of-pocket costs. Kaiser reports that Medicare covered just 48 percent of total per capita medical and long-term care expenses, which averaged $17,231 in 2006. The out-of-pocket expenses are distributed between premiums, long-term care, prescription drugs and other costs. © 2011 Tribune Media Services, Inc.

existingconditions to learn more. In Maryland, the program is run by the Maryland Health Insurance Plan. To qualify, you must be a citizen or legal resident of the United States and have been uninsured for the past six months. Rates range

from $141 to $354 per month. There is a $1,500 annual deductible. To learn more about this program, call 1-888-444-9016 or visit www.maryland healthinsuranceplan.state.md.us. The District of Columbia and Virginia take part in the federal government’s PreExisting Condition Insurance Plan. Monthly fees for those age 55 and over in the District range from $551 to $742 per month, depending on the level of service selected. In Virginia, the fees range from $498 to $671. To learn more about the federal government plan for residents of D.C. and Virginia, visit www.pcip.gov or call 1-866-717-5826. Mark Miller is the author of The Hard Times Guide to Retirement Security: Practical Strategies for Money, Work and Living (John Wiley & Sons/Bloomberg Press, 2010). Contact: mark@retirementrevised.com. © 2011 Tribune Media Services, Inc.

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BEACON BITS

July 26

GETTING CRABBY Award-winning chefs

turn their cooking skills to Charm City’s favorite delicacy when they compete for the Best Crab Dish on Tuesday, July 26, from 6 to 9 p.m., at B&O American Brasserie, 2 N. Charles St. Proceeds benefit the National Aquarium in Baltimore. Tickets are $35. Call (443) 692-6172 or visit www.missiontix.com for tickets.

Ongoing

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group for single men and women over the age of 50, meets regularly for brunches, dinner, theater, concerts, golf, cards and more. For information, call (410) 813-4071 or see www.50plusprofessionals.org.

BALTIMORE BEACON — AUGUST 2011

More at TheBeaconNewspapers.com | Law & Money

Check out your financial adviser online Checking a financial adviser’s past for errant behavior is much easier now with a new searchable database run by the Financial Industry Regulatory Authority (FINRA), which oversees U.S. securities companies. Its Internet database allows users to perform searches by the name of a broker or investment firm. The search page is at: http://disciplinaryactions.finra.org . Previously, details regarding disciplinary actions were available only by contacting FINRA, which would look up the

information and later send summaries of documents. The new online capabilities enable the complete documents to be viewed online, printed or downloaded immediately. “This will actually allow investors to search the database seven days a week and provide instant access to the actual underlying disciplinary action documents themselves,’’ said Emily Gordy, FINRA’s senior vice president for enforcement. The database lists complaints, settlements and other documents associated

BEACON BITS

Aug. 2

SMALL BUSINESS START-UP

Receive information on starting and financing a business, registering a business with the State of Maryland, IRS, business plan information, credit and additional information that can help a potential business owner get started. This informative workshop will be held on Tuesday, Aug. 2, at 6 p.m. at the Herring Run Branch of the Enoch Pratt Free Library, 3801 Erdman Ave. For more information, call (410) 396-0996 or email hrr@prattlibrary.org.

Ongoing

JEWISH LEGAL SERVICES PROVIDES AID

Volunteer lawyers with Jewish Legal Aid Services provide pro-bono legal consultation at a monthly drop-in clinic for Jewish community members with low income. For more information, contact Jewish Community Services at www.jcsbaltimore.org or (410) 466-9200.

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with a disciplinary action. The new search tool is linked to FINRA’s BrokerCheck service, which reviews industry registration and licensing documents for background reports on 1.3 million registered brokers and 17,000 brokerage firms. FINRA’s monthly disciplinary actions database also links to the new search tool, providing regular updates. “Any time you can give consumers and potential investors the ability to feel more confident in their decisions to turn over their life savings to somebody, it’s a win,’’ said Robert Russell, president of Russell & Co., a financial planning firm. FINRA is the largest non-governmental

regulator for securities firms doing business in the United States. Checking the FINRA database is a good first step to checking out an adviser, but a few other places also make sense. The National Ethics Bureau, a membership organization of financial professionals, has a searchable database at www. ethicscheck.com/consumers/advisorck.asp . See the Securities and Exchange Commission, which has additional databases of advisers at www.sec.gov./investor/brokers.htm. It’s also a good idea to check with state securities regulators or state insurance boards before you make your final decision. — AP

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Wills provide peace of mind for the family By Elliot Raphaelson Estate planning is one of those things everybody knows they should do, but a surprising number of people put it off until it’s too late, or do it wrong in the first place. Unfortunately, too many people of all ages hesitate to have their wills drawn up. There is no good reason to avoid that. If you die intestate — that is, without a will — you have lost the right to specify who inherits your property. In this situation, the state decides how your property will be distributed, and it is unlikely that the allocation dictated by state law will match your preference. Moreover, in many states, state law will allocate your property in a way that may not be fair to your spouse. Some individuals feel that because they are married and own their property jointly with their spouse, there is no need for a will. What if you and your spouse die together in an accident? Who will then receive your property? If you have young children, who will become their guardian? If your young children inherit property, who will manage it?

Who gets what? It is important for you to know what property passes by will and what does not. Any property owned with “rights of survivorship” goes to the other owner(s).

Property with a named beneficiary goes to the party named. Any property disposed by contract goes to the named owner(s). The provisions of your will do not override the preceding specifications. Any property that you own individually that does not have a named beneficiary passes by will. Your will can also cover property you may not be aware of. For example, if you receive an inheritance or a legal settlement, the provisions of your will can address these assets. There are many advertisements suggesting that you can avoid legal fees by purchasing books, legal forms or computer programs to create your will. In my opinion, that is foolish. If any mistakes are made, the will can be disallowed, and state laws associated with intestacy will prevail. A straightforward will is not expensive, and many attorneys won’t charge for an initial meeting. Reputable attorneys will provide you with an estimate of the cost of will preparation after you provide them with basic information. A will needs to be detailed and precise in many ways. A good attorney can help you specify key provisions such as: who will receive what property; how you should hold your property; trust agreements; the best way to name beneficiaries of your retirement plans; maintaining consistency with named beneficiaries and contracts speci-

BEACON BITS

Ongoing

LAWYERS OFFER ADVICE TO ARTISTS

Volunteer Lawyers for the Arts delivers legal services and legal information to over 10,000 members of the arts community each year. For information on services available in Maryland, contact Maryland Lawyers for the Arts, 113 W. North Ave., (410) 752-1633, info@mdartslaw.org or www.mdartslaw.org.

fied in other documents; minimizing any federal estate tax; and naming an executor and guardians. Make sure you select an attorney with expertise in this field. Preparing a will is an essential starting point. However, you must make sure that you update your will when circumstances change. Some events that require updates to your will would be a move to a new state, additions to the family, deaths in the family, a divorce, or new assets as a result of retirement.

Account for retirement assets A very important estate planning issue for many retirees is related to retirement assets. If you have significant retirement assets such as IRAs, 401(k)s, and/or other

retirement plans, it is very important for you to select your beneficiaries and withdrawal options with care. If this is a significant issue for you, make sure your attorney is knowledgeable in this area. I recommend that you review the books written by Ed Slott to help you understand these issues. Having a will prepared and updated as necessary is one of the best gifts you can provide for your family. There is no downside, and without a will there are many potential unintended consequences, none of them good. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. © 2011 Elliot Raphaelson. Distributed by Tribune Media Services, Inc.

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AUGUST 2011 — BALTIMORE BEACON

Travel Leisure &

How to cut your losses when you must cancel a trip. See story on page 26.

A smorgasbord of to-dos in Pennsylvania

More than chocolate Other attractions in the park had more appeal to us. The Hershey Story is told in a museum packed with displays, many of them interactive, that were more interesting than I had anticipated. Fyllis was intrigued by a touch-screen that allowed her to design a candy bar wrapper and e-mail it to herself (to what end I had no idea). I preferred following the story of how Milton Hershey, after several failed attempts to found a candy company, struck pay dirt — or, rather, chocolate — when he began

coating caramels with the sweet substance in 1894. Turning out milk chocolate in bars, wafers and other shapes, and devising innovative mass production techniques to lower the cost, his company transformed what had been a luxury item for the wealthy into a treat that was affordable to all. Every family member enjoyed the “challenge” of tasting five mini-bars with the goal of distinguishing a wine-like list of textures (from smooth to granular), scents (including woodsy and fruity) and tastes (citrus, coffee, nutty). The hardest part was fighting temptation and allowing the chocolate to melt on our tongue, as we had been instructed. But it was an hour-long sightseeing trolley ride around the campus and little town that left the most lasting impression. Our grandchildren were delighted by the Hershey Kiss lights that line some streets, and even more so by on-board tastings of four more samples. Their parents and grandparents paid close attention as our guide described the establishment and history of the school that continues to carry Hershey’s name. Beginning with four orphans, whom Milton and his wife Catherine took into their home, that institution has expanded to provide free pre-kindergarten through high school education, and much more, to about 1,800 underprivileged children. Graduates who go on to college receive generous scholarship support.

Among the Amish PHOTO COURTESY OF HERSHEY ENTERTAINMENT AND RESORTS

Introductions to a very different lifestyle await those who visit the Amish area a short drive from Hershey. About 30,000 residents make this the second largest Amish community in the country, after one in Ohio. Amish immigrants began arriving in Pennsylvania during the late 17th century, seeking and finding religious tolerance. They evolved into a thriving part of the local society, merging In Hershey, Pa., visitors sample chocolate at the Hershey comfortably into it Story, which recounts the history of Milton Hershey’s chocolate empire. Hersheypark nearby offers rides for kids of all ages. while maintaining

WWW.DISCOVERLANCASTERPA.COM/TERRY ROSS

By Victor Block My recent visit to the Hershey-Harrisburg area of Pennsylvania revealed a destination of pleasant surprises. If you think of Hershey primarily as a mecca of chocolate, that’s only part of the story. The nearby Amish community offers a fascinating opportunity to experience a different culture. And Harrisburg is home to a world-class Civil War museum equal to anything the South has to offer, plus a number of other intriguing attractions. My wife Fyllis and I arranged our trip to the area as a three-generation family gathering. Not surprisingly, upon entering the sprawling Hershey complex, our grandchildren thought they had been transported to heaven. At Hersheypark, they couldn’t run fast enough from ride to ride, clambering aboard as many as they could, including several of the 11 roller coasters.

An Amish community near Hershey, Pa., gathers together to construct a barn for a fellow family — a feat that is typically accomplished in a few days. The area has the second-largest Amish population in the country.

their customs and culture, with its focus on religion and family. Among practices to which they continue to cling are using a horse and buggy rather than cars for transportation, eschewing electricity in their home, and adhering to a dress code that dictates modesty and solid colors for women and girls, and dark clothing and a black or straw hat for men and boys. It’s not difficult to identify houses occupied by Amish families, because of the absence of electric wires leading to them, wash hanging outside to dry, and traditional green shades covering the windows. Our introduction to the Amish way of life included an outstanding multi-media presentation called “Jacob’s Choice.” It depicts the difficult decision faced by some teenagers about whether to remain in the fold or venture into the outside world and, in effect, turn their back on their strict upbringing. We also explored a typical Amish home, where guides provided interesting additional tidbits about day-to-day living. Even more close up and personal was our conversation with a young, bearded Amish man named Joe, who was our driver and guide during a jaunt with Abe’s Buggy Rides. He patiently answered the questions we fired at him about everything from why cars are forbidden (Joe explained that they

can carry Amish people too far from their family and community), to the reason that education is compulsory only through the eighth grade. (Joe replied, “That’s sufficient for our way of life,” which centers on farming and cottage industries.)

Civil War stories The peaceful life of the Amish contrasts starkly with the bloody story of the Civil War that is dramatically portrayed at one of the largest and best collections in the world devoted to that conflict. A visit to the National Civil War Museum in Harrisburg is especially timely, during this year’s 150th anniversary of the start of the fighting. Information-packed videos and realistic life-size dioramas that tell the story of the war are reason enough to plan a visit. Even more telling to me were letters from individual soldiers and similar artifacts that put a human face on the Civil War and its terrible consequences. Also tragically moving are displays of shackles, metal collars and other implements that were used to subjugate slaves. Not far away stands a realistic depiction of a slave auction, with the words of the auctioneer describing men and women as so See PENNSYLVANIA, page 25

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BALTIMORE BEACON — AUGUST 2011

Pennsylvania From page 24 much property, interspersed with other voices denouncing the institution of slavery as immoral.

Antique car museum A varied list of other sightseeing options also awaits visitors to the Harrisburg-Hershey area. The Antique Automobile Club of America Museum is a car-lovers fantasyland, offering a trip back through time for anyone who qualifies for a discounted senior’s ticket. It’s packed with beautifully restored vintage cars dating back to the 19th century, plus buses, motorcycles and motorbikes, some of which were manufactured when Franklin D. Roosevelt was president. While a re-created 1900s auto machine shop may not look familiar, visitors may identify with a 1940s gas station as well as an authentic Valentine diner, of the type that were manufactured beginning in the 1930s. My favorites included a shiny 1895 Benton Harbor car which had a top speed of 23 miles per hour, and a spiffy 1902 Oldsmobile, packing 4.5 horsepower, that was guided by a steering stick instead of a wheel. I also learned, and laughed, while watching a movie narrated by Groucho Marx about automobiles and their impact on the country. It skillfully combines history and humor. If you’re lucky when you visit the compact museum on the Pennsylvania State Police Academy grounds, you may be able to watch cadets practicing at the firing range or learning crowd control techniques on horseback. Facilities include a large swimming pool that’s used for life-saving training, and a building on the campus that houses everything from helicopters to drug-sniffing dogs. Amateur sleuths can check their prowess at solving a murder case, using hairs left on the victim’s clothing and other evidence to decide which of three suspects is guilty of the crime. A very different scene is a portrayal of a cell that Al Capone inhabited for a year

BEACON BITS

Sept. 19+

TRAVEL TO ROCKING HORSE RESORT

Enjoy this five-day, four-night trip to Rocking Horse Resort in Highland, N.Y., sponsored by the Edgemere Senior Center. Enjoy three delicious meals a day, hayrides, shuffleboard, bocci, sauna, paddleboats, trivia contests, as well as live entertainment and dancing. Also included are tours of Hyde Park Estate, West Point and a Hudson River Valley Cruise. Cost: $679 per person double occupancy, $789 per person single. For more information, call Barbara Calvert at (410) 477-2141.

after being convicted of a minor crime. After he bribed prison officials, his temporary jail home was furnished with precious antiques, oriental rugs and oil paintings. While lacking such man-made luxuries, Indian Echo Caverns is an underground Never Never Land of color, shapes and interesting history. At one time, Native American settlements were located along what now is called Swatara Creek, which runs by the caverns. The series of caves is estimated to be 3 million years old, and is one of many such complexes carved out of limestone beneath the rolling Pennsylvania countryside. Near the entrance, the names of several early visitors are carved into the stone. Farther along, guides lead tour groups into the Blue Room, so named for the hue of its walls, and the Rainbow Room, colored by areas of blue, green, purple and tan. It takes sharp eyes and only a little imagination to identify a lion’s head, dragon, owl and other familiar shapes pointed out

by the guide. The subterranean exploration, combined with a variety of attractions above ground, combine to make a trip to nearby Pennsylvania both fascinating and fun.

If you go After searching for a hotel conveniently located to the things we wanted to see and do, we stayed at the Holiday Inn Harrisburg East. It offers very large, well-furnished rooms at rates that usually begin at $119. Amenities include both indoor and outdoor swimming pools and a restaurant that serves an excellent Sunday brunch that attracts many locals. For information or reservations, log onto hiharrisburg.com or call 1-800-637-4817. Lunch at the Plain and Fancy Farm Restaurant enhanced our visit to the Amish area. Typical entrees include Pennsylvania Dutch pot pie ($9.95) and fried chicken ($10.95), both served with two sides. Be sure to save room for desserts like apple

dumplings ($4.25), apple crumb pie ($4.50) or traditional shoe-fly pie ($3.50). For more information, call 1-800-669-3568 or log onto plainandfancyfarm.com. The aptly named Fire House Restaurant, one of several dining establishments along North 2nd Street in Harrisburg, occupies the former home of the Harrisburg Hope Fire Company, which was built in 1871. The theme is underscored by walls lined with fire station paraphernalia, and dishes like spiced Tuscan “firebread” served with garlic dipping sauce ($6), FireHouse hamburger ($8), and FireHouse pasta with chicken and shrimp ($16). If you’re in the mood to splurge, Hook & Ladder shrimp skewers and a half-rack of ribs, plus two sides, costs $25. For more information, call (717) 234-6064 or log onto www.thefirehouserestaurant.com. General information about visiting the Harrisburg-Hersey area is available at its website, www.visithersheyharrisburg.org, or by calling 1-877-727-8573.

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AUGUST 2011 — BALTIMORE BEACON

Cut your losses when a trip gets canceled For obvious reasons, many Americans who had booked travel to Egypt or Japan earlier this year had to change their plans, and others who hadn’t yet booked have made alternative arrangements. But what about trips to other areas at other times? Nobody can predict where the next revolution might break out — and certainly not when and where the next earthquake, tsunami, fire or volcano will hit. The question then becomes how best to protect yourself against losses if a destina-

tion you decide to visit suddenly and unexpectedly suffers a big problem. Clearly, in such a case, you won’t be able to enjoy the trip you expected — you can’t undo the problem. But what you can do is make sure you get all or most of any money back from any prepayments and deposits. Fortunately, you have several safety nets: Even after you’ve paid — even a “nonrefundable” payment — you can usually get

ASSISTED LIVING TOWN HALL MEETINGS Please join the Office of Health Care Quality (OHCQ) and the Maryland Department of Aging for an Open Dialogue. We welcome your input as we work to revise the Assisted Living regulations (COMAR 10.07.14). Meetings will be held during the month of August in Baltimore City, Baltimore County, Washington County and Queen Anne's County.

For Dates, Times, Sites and Registration information,

Call (410) 402-8004 or visit http://bit.ly/assistedlivingtownhall

“Sure, downsizing was a chore, but making room for new opportunities “

WAS SIMPLE

your money back from most suppliers, al- tions as an airline that “ceases all service” or though the terms may be a bit too narrow. a destination accommodation that becomes • Airlines. If you already “totally uninhabitable.” Never have a ticket, most airlines will mind that the golf course may let you cancel a trip to an imbe under water; if the hotel is pacted area and will offer a open, you’re not covered. choice of rebooking the same Several specifically exclude trip at a later date or a refund, “nuclear radiation” or leaks as both without the usual cancellaa covered reason. tion or exchange fees. HowevUprisings such as occurred er, the re-issue offer is generalin Egypt are typically defined as ly limited to the same route. “civil disorder,” and many poli• Hotels, too, generally allow cies specifically exclude civil no-fee cancellation. However, if TRAVEL TIPS disorder as a covered reason. your original booking was on By Ed Perkins All in all, given the many some great deal, you might not exclusions on standard polibe able to duplicate the original price. cies, I now recommend to just about every• Tours. The U.S. Tour Operators Associ- one that if they decide they need insuration (USTOA) states that, “most USTOA ance, they should buy a “cancel for any members serving Japan proactively can- reason” policy. It may be more expensive, celed trips.” Presumably, most other opera- and it might not cover 100 percent of your tors take the same approach in such situa- prepayments, but the decision about tions. whether to travel or not — and what you • Credit card. By now you’ve probably get back if you decide not to go — is yours, learned that you can get a charge-back for not that of some insurance company bean anything you’ve paid a supplier that the counter. supplier didn’t deliver. This process can In related travel insurance news, On sometimes be a hassle, but it usually Call International just announced special works. Always — always — use a credit “memberships” for travelers age 77 to 85. card for such advance payments. Many travel insurance programs refuse to • Travel insurance. Trip-cancellation cover travelers of that age, so the new poliinsurance (TCI) could be helpful, but cies could be welcome. many policies are surprisingly restrictive. They are, however, really expensive: They refund payments you can’t otherwise $425 for an individual, $820 for a couple, recover, but only in the event the policy covering a trip of up to 90 days. And that’s specifically notes each circumstance as a just medical emergency and evacuation “covered reason” or a “named peril.” coverage, not cancellation. Still, if you’re Some policies cover natural disasters, 77 or over, it may be your best bet. such as the earthquake/tsunami in Japan, You can reach them at 1-800-575-5014; but some do not. online at www.oncallinternational.com. And even those that accept earthquakes, Send email to Ed Perkins at hurricanes and such as covered reasons typ- eperkins@mind.net. ically subject coverage to such limited situa© 2011 Tribune Media Services, Inc.

BEACON BITS

“I wish I had done it sooner.”

Aug. 14

Alva Holcombe Erickson Living® resident

With Erickson Living’s realty

Senior Box Office is hosting a Bay Lighthouse Cruise on Sunday, Aug. 14, leaving from Annapolis. The $85 cost includes a box lunch while seeing three lighthouses. To reserve a spot, call Senior Box Office at (410) 882-3797.

and moving services, the process can be easier than you’d think. Find out how easy a move to an Erickson Living

SAIL THE BAY

Aug. 16

PLAY THE SLOTS

Join the Parkville Senior Center on Tuesday, August 16 on this day trip to Stanton, Del., for a gambling afternoon at Delaware Park Casino. The $27 cost includes $30 free play bonus. Call Parkville Senior Center at (410) 882-6087 to reserve a seat.

community can be!

July 23+

Call today for your FREE Guide Charlestown Catonsville 1-800-615-3940

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IN THE SWIM OF THINGS

Fluid Movement is a performance art group that juxtaposes complex subject matter with delightful and unexpected mediums. This month the group presents Mobtown Murder Mystery, “the world’s first (and perhaps last) live film noir-inspired synchronized swimming extravaganza!” Showtimes are Saturday, July 23 at 3 and 5 p.m. and Sunday, July 24 at 5 and 7 p.m. at Druid Hill Park Pool, and Saturday, July 30 at 6 p.m. and Sunday, July 31, at 5 and 7 p.m. at Patterson Park Pool. Tickets are $10 ($5 for City Pool pass holders) except at 6 p.m. July 30, which is a benefit performance that costs $20. Tickets are available online at www.brownpapertickets.com, keyword: MOBTOWN.

BALTIMORE BEACON — AUGUST 2011

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Arts &

The National Aquarium celebrates its 30th anniversary. See story on page 29.

Strange magic: Xanadu at Toby’s Theatre By Dan Collins At first glance, the idea of basing a Broadway musical on a film that inspired the creation of the Razzies — the anti-Oscars given each year to the year’s worst movies — might not seem too bright. Xanadu, Olivia Newton-John’s follow-up to her star turn in Grease, was vilified by the critics, and if you’ve ever seen it, you likely understand why. A Greek goddess helps an out-of-work actor open a roller

disco? A movie where Michael Beck (veteran of such…um, “films,” as Warlords of the 21st Century) headlines with Gene “Singing in the Rain” Kelly? Ouch. No one could debate, however, that the Xanadu soundtrack was a winner, featuring five top 20 singles: “Magic,” “Xanadu,” “All Over the World,” “I’m Alive” and “Suddenly.” Xanadu’s premise, played straight, made for a horrible movie. But played for satire, it

was a hit on Broadway, where it opened in 2007 with more than 500 performances and a Tony Awards nomination for Best Musical.

Audience participation

PHOTO COURTESY OF TOBY’S DINNER THEATRE

Toby’s Dinner Theatre’s campy production of Xanadu, a pop musical based on the widely panned 1980 movie of the same name, brings chalk drawings of Greek muses to life.

Cars, boats, furniture, antiques, tools, appliances Everything and anything is sold on

Radio Flea Market Heard every Sunday, 6:30-8 a.m. on 680 WCBM

The ever-boisterous, givin’-it-their-all ensemble at Toby’s Dinner Theatre does Xanadu more than justice, not waiting around to encourage audience participation, as theater patrons are literally brought on to the stage to wave colored light sticks and provide foils for the actors, adding to the hilarity. Xanadu is a comedic send-up of the 1980s — can someone explain the fixation with leg-warmers? — as well as the 1980 film, as Heather Marie Beck adopts “an Australian accent” (Ms. Newton-John being Australian) and wears roller skates to “conceal her true identity” as the Greek muse, Clio. Greg Twomey’s Sonny Malone is the would-be artist whose chalk drawing of Greek muses comes alive, bringing Clio to Venice, California, and the opening number, “I’m Alive” to the stage. He performs in denim short-shorts and tight T-shirts for the entire show. Wikipedia notes that Xanadu the film

amassed a strong gay following. There’s a nod to this as well when one of Clio’s sister muses exclaims, “It’s like children’s theater for 40-year-old gay people.” And Xanadu is definitely geared toward an older audience as younger folks might miss some of the ’70s and ’80s references. At one point, Sonny notes that Clio’s sister, Melpomene (Maria Egler) bears a striking resemblance “to Witchiepoo.” I’m 48 and it took a moment, but I did recall “Witchiepoo,” the evil witch from the ’70s Sid and Marty Krofft children’s TV series, “H.R. Pufnstuf.” Particularly amusing are jabs at the somewhat dismal landscape that was the popular art scene of the 1980s. When Sonny imagines “a place where all the arts come together, song, dance, concerts, even athletics” not as a cultural center (like an amalgam of the Guggenheim and Carnegie Hall) but as a roller disco, one can’t help but laugh.

Hamming it up As usual for a Toby’s production, don’t See XANADU, page 28

Arts & Style | More at TheBeaconNewspapers.com

Xanadu From page 27 expect multi-million dollar-Broadway production values, and in fact, you wouldn’t want them here. Part of what made Xanadu the movie so wonderfully terrible was how cheesy it all seemed. So, yes, give me cardboard and plywood sets, give me glitter balls, fog and strobe effects, and soap-bubble makers, give me a man dressed as a centaur and a Medusa with a head of glitter-covered snakes. The cheaper looking, the better — it’s comedy, after all. Toby’s strength lies in the enthusiasm

Broom From page 1 ample, that were not part of classical dance vocabulary, were part of other dance vocabularies such as those from Bali, India, Japan and Java. I wasn’t a modern dancer per se, but rather a world dancer,” said Broom. And even all these years later, Broom says the movement, costumes and beauty of dance traditions from around the globe continue to intrigue her. While pursuing her dance career, Broom realized she also had an affinity for the stage and began performing at such Baltimore theaters as Arena Playhouse, Centerstage, Theatre Hopkins, Cockpit-in-Court and others. One role led to another, and the stage

a es ift! k a g M at e gr

AUGUST 2011 — BALTIMORE BEACON

and unflagging energy of the cast members, who were clearly enjoying the opportunity to ham it up and embrace the absurdity. When Sonny, who manages to ascend Mount Olympus with a $12.98 aluminum ladder, accuses Zeus and his fellow gods of being the actors from the 1981 bomb, Clash of the Titans, you can see the cast is enjoying the joke as much as the audience. David Bosley-Reynolds does a nice turn in the Gene Kelly role of Danny McGuire, the one-time wide-eyed artist who blew his chance at love with Clio in the 1940s and opted instead for riches as a construction mogul. Still, if you’re going to “fake-play” a

clarinet as Danny does, it’s probably not a bad idea to have someone in the orchestra pit actually tooting that licorice stick to back you up. Kudos to choreographer Laurie Newton, who somehow manages to keep her charges in sync despite the fact that only some are on roller skates. (Kudos must also go to “Specialty Skating Instructor” Lawrence B. Munsey.) Even if you don’t know Olivia NewtonJohn from Trapper John, it’s hard not to be caught up in the energy of Xanadu where actors are tap-dancing and scat-singing in one scene and roller skating and waving

red feather fans in another. Toby’s Xanadu is definitely a colorful production, and the songs are a delight, particularly for us who can recall when songs like “Evil Woman” and “Strange Magic” were all over the radio. Xanadu continues its run at Toby’s Baltimore, 5625 O’Donnell St., now through Aug. 28. Tickets range from $49.50 for Sunday matinee brunch performances to $55 for Saturday dinner. For more information and for tickets, call 1-866-99-TOBYS or visit www.tobysdinnertheatre.com. Dan Collins is a Baltimore freelance writer.

eventually led to film and television roles. These included the movie Clara’s Heart, in which she appeared with Whoopi Goldberg, and several TV series in addition to “The Wire,” including NBC’s hits “West Wing” and “Homicide” and HBO’s “The Corner.”

University, Maryland College Institute of Art and Goucher College. Broom is currently on the faculty of the Baltimore School for the Arts, teaching dance and storytelling. She finds that the arts scene in Baltimore is blossoming, with young people moving to town, picking up the reins of the city’s artistic organizations and creating new ones of their own. “People think of Baltimore as a little country town, but there’s a lot going on,” Broom said. “Things are happening. Baltimore is homey enough, but also cultured and sophisticated enough.” Broom, who is single and has no children (“but I’m everybody’s auntie!”), doesn’t travel as much as she once did. But her professional life is still thriving.

This summer she is teaching at Centerstage’s summer camp. In addition to stints as a guest instructor at numerous dance studios, Broom also offers private voice work and coaching, dance and movement sessions for those recovering from grief or regaining physical strength, and meditation and stillness classes. “It’s quite a full life,” Broom said with a laugh. As Broom discovered for herself at such a young age, “arts reach the soul,” and she hopes to inspire others as well. “There is so much you can learn by participating in the arts,” she said. “From the first time I saw those ballet dancers glide and float on stage, that’s all I’ve ever wanted. I’ve spent my life getting to do what I’ve always wanted to do.”

At home in Baltimore Broom has spent a good part of her life traveling the globe, pursuing her fascination with other cultures. In addition to performing across the United States, she has appeared in Germany, Uganda and Ghana. She has been an artist in residence at Fisk University in Nashville and has served as a guest dance instructor at Vanderbilt University, University of Hawaii, Johns Hopkins

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OV E R

July 21

Enjoy this Thursday night hike at the Baltimore Humane Society. Bring your own dog or walk a shelter resident. Show up at 6 p.m. at 1601 Nicodemus Rd. in Reisterstown. For more information, visit www.bmorehumane.org.

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July 26

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IN HER OWN VOICE

Singer-songwriter Emmylou Harris takes the spotlight performing her own songs on Tuesday, July 26 at Pier Six Pavilion, 731 Eastern Ave., at 6 p.m. Tickets range from $25 to $75. For details and purchases, call (410) 783-4189 or visit www.piersixpavilion.com.

Write the recipient’s name above. A gift card will be sent in your name: _____________________________

ESCAPE WINTER’S CHILL

Sail from Baltimore’s home port and enjoy 13 days/12 nights on Royal Caribbean Cruise Lines’ magnificent Enchantment of the Seas, one of the world’s largest and most luxurious ships, starting March 19, 2012. Exotic ports include Labadee, Dominican Republic, San Juan, St. Thomas, St. Maarten and Tortola. There’s casino gambling, nightly entertainment and delicious meals. Call the Edgemere Senior Center at (410) 887-7530 for more information and reservations.

City: _____________________State:_____Zip: ___________

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CHANNELING LEONARD COHEN

Marcus Dagan will perform the music and spoken words of Leonard Cohen on Saturday, July 30 at 7:30 p.m. during “Leonard Cohen: The Priest of Music,” at Germano’s Trattoria, 300 S. High St. in Little Italy. Tickets are $15. For more information, visit www.germanostrattoria.com.

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GOING TO THE DOGS

July 22+

THE MUSIC OF JOHN WILLIAMS

The Baltimore Symphony Orchestra performs your favorite John Williams classics from such films as Superman, Indiana Jones, Harry Potter, E.T. and Star Wars. The July 22 concert takes place at Meyerhoff Symphony Hall at 7:30 p.m., and the July 23 concert starts at 8 p.m. at Oregon Ridge. Fireworks follow the Oregon Ridge performance. Tickets start at $25. Call (410) 783-8000 or visit www.BSOmusic.org/summer for more details and ticket purchases.

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BALTIMORE BEACON — AUGUST 2011

National Aquarium celebrates 30 years Last September, the National Aquarium officially unveiled the National Aquarium Conservation Center and kicked off its celebration of the Baltimore venue’s 30th anniversary year. The Conservation Center is the next stage in the National Aquarium’s growth from a successful attraction with conservation as its primary message, to a nationally-recognized and respected conservation institute that measures success in how it impacts people and the environment. “Since opening in 1981, the National Aquarium has evolved from being one iconic building in Baltimore to an institute, with conservation at its core, that operates two exciting attractions and serves as a dynamic education resource,” said Dave Pittenger, the aquarium’s executive director. “We have a rich history of conservation initiatives on the Chesapeake Bay, around the world in places like Bahamas and Costa Rica, and through our Marine Animal Rescue Program. And now this Conservation Center will build upon our strong legacy of service to the environment.”

National Aquarium Institute board. “Zoos and aquariums have both the capacity and the responsibility not to simply increase public awareness of conservation issues but to take action. The National Aquarium is ready to do more.”

Celebrate with the aquarium In celebration of the National Aquarium’s first 30 years, a four-day festival is planned from August 5 to 8. This family-friendly celebration will feature entertainment for everyone, including music, character appearances, zumba dance instruction and more. Hours for the celebration are from noon to 7 p.m. on Friday, August 5 and from 10 a.m. to 3 p.m. on Saturday, August 6, Sunday, August 7 and Monday, August 8. For more details, visit www.aqua.org. Also keep in mind that you don’t have to be an oceanographer or a fish expert to

volunteer with the National Aquarium. Volunteers are an integral part of the aquarium’s day-to-day operations. Onsite volunteer opportunities include in-

formation specialists, exhibit guides, certified divers and even office assistants. For more information, visit www.aqua.org/ volunteer.html.

ANSWERS TO SCRABBLE

ANSWERS TO CROSSWORD I F F Y L U L U K R A M T A I T T T R I P E U R O M E E T A P O S T A L C O I D E L U N C R E P N S A

B E L O A N A X E R V S F T O A S T I R L E I N D R E V G R A S S I D O M O D E R I D T A S E E H A T T I S E R T T R Y S

W E R A E R O E M S A P A N T A G I F F A T

S P F E S E Z I E R P L O A S I S N I T Y D R A T A E R R S I M E S B E N M A A N Y S D D A Y E S P N

From page 30.

Global effort Through pioneering science and partnerships with like-minded organizations, the National Aquarium Conservation Center will focus its efforts on the protection of aquatic ecosystems worldwide through scientific research, education and advocacy. The National Aquarium Conservation Center will also be a voice and advocate for work the aquarium already has underway, including long-term initiatives to protect coral reefs, to control lion fish proliferation, and to restore Chesapeake Bay wetlands and shoreline. “This research and advocacy entity gives the National Aquarium another means to tackle pressing issues that impact the aquatic environment, and to advance as a global conservation center of excellence for marine conservation,” explained Dr. Erik Rifkin, the center’s interim director. “In just one year we have established solid partnerships with like-minded organizations and already have several exciting research studies underway.” The initial emphasis of the National Aquarium Conservation Center includes coastal ecosystems and watershed health, ocean health, environmental advocacy and ecological aquaculture. Some of this work is already underway. For example, the Conservation Center is leading several research initiatives that will increase understanding of mercury levels in wild and captive dolphins, quantify sediment contaminant in the Baltimore Harbor, protect spotted eagle rays, and promote the future of aquaculture. “Human impact on the world’s ecosystems is profound. As habitats are destroyed or degraded, the diversity of species and the complex relationships among them are threatened, with consequences for all living things — including humans,” said Bill Roberts, chair of the

DON’T MISS THE CELEBRATION! AUGUST 5-8 BALTIMORE’S PREMIER ATTRACTION, TURNING 30! Don’t miss free entertainment and fun-filled activities on the Pier including: lively Waxter Center Steppers, island sounds of St. Veronica’s Youth Steel Orchestra, the moving Rayn Fall Dance Studio, Aboriginal Didgeridoo performance, Milkshake Trio, Ocean Arts Project, Pam the Kindersinger, face painting and much, much more!

Visit aqua.org/30years for more events!

AUGUST 2011 — BALTIMORE BEACON

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Crossword Puzzle

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

Wanted

FINE ANTIQUES, PAINTINGS AND QUALITY VINTAGE FURNISHINGS wanted by a serious capable buyer. I am very well educated [law degree] knowledgeable [over 40 years in the antique business] and have the finances and wherewithal to handle virtually any situation. If you have a special item, collection or important estate I would like to hear from you. I pay great prices for great things in all categories from Oriental rugs to Tiffany objects, from rare clocks to firearms, from silver and gold to classic cars. If it is wonderful I am interested. No phony promises or messy consignments. References gladly furnished. Please call Jake Lenihan 301-2798834. Thank you.

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46 51

52 55

Wanted

Classifieds continued from page 31:

18 21

Scrabble answers on p. 29.

10 15

59 63

Across

Down

1. Questionable 5. Maryland, relative to the Mason-Dixon line 10. Lotion level 13. Humdinger 14. Tin Man prop 15. Dir. from Winnipeg to Montreal 16. Sequel where Dustin Hoffman moves up to a higher weight class 20. Tit tradeoff 21. Star-Spangled contraction 22. Arafat’s grp. 23. Addams Family cousin 25. Bustling 29. Desert relief spot 31. Sequel where Fred MacMurray tries for a bigger payout 34. Currency of 33 Down 35. Push down on the accelerator 36. Gloomy 37. Swimming tournament 38. Comprehend 40. Pro ___ 44. “___ was going to St. Ives...” 46. “___ deer” (octet starter) 47. Drops a pop-up 48. Sequel where Charlie Chaplin loses his objectivity 53. It can make cans 54. GI’s necklace 55. Its Big in London 56. Suffix with chlor or fluor 57. “I joined the Navy to ___ the world...” 59. Philanthropist Hogg 61. Sequel where Audrey Hepburn stays hungry 68. Gym unit 69. Mattress maker 70. June 6, 1944 71. Federal cryptologic org. 72. Rendezvous 73. WNBA broadcaster

1. Variety 2. Polar bear protection 3. Reason to call AAA 4. 3:10 to ___ (1957 film remade 50 years later) 5. Saloon 6. USPS delivery 7. Deck the Halls syllables 8. The oldest English university 9. Existed 10. “Oh yeah? ___ who?” 11. Pair of pitchfork letters 12. Experience the wind 17. Bibliography abbrev. 18. Fragrance 19. Optimistic 23. Grocery store unit 24. Like a non-fiction story 26. Director Leone 27. Stadium level 28. Attacked a nation 30. Nobel winner Sakharov 32. Tough word for Dan Quayle to spell 33. 2010 World Cup champion 39. Separate laundry into piles 41. Protesters’ labels 42. Trap a cat 43. One of the A’s in NCAA or NAACP 45. Send to smithereens 48. Beach toy 49. Archaeologist’s discovery 50. Play parts 51. The Biggest Loser contestant 52. End-of-the-week exclamation 58. Direction from Eden to Nod 60. Manufactured 62. Tax maven (abbrev.) 63. “Don’t give up!” 64. The third part of 52 Down 65. Jack Sprat’s restriction 66. Jabber on 67. Ant. antonym

Answers on page 29.

BALTIMORE BEACON — AUGUST 2011

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. 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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BLUE JEAN JOB!! Hiring Sharp/Fun People! Free to travel entire United States. Company paid Lodging/Transportation. Great pay + Bonuses. Get Hired Today. Work Tomorrow! 1888-853-8411. CDL/A DRIVERS – Great Pay! Relocate for Texas Oilfield work! Great company! Company paid benefits! Must have bulk pneumatic trailer experience. Call today! 817-926-3535. EARN $28.00/HOUR. Under cover Shoppers needed to judge retail & dining establishments. Experience Not Required, If You Can Shop Yo u A r e Q u a l i f i e d ! , A p p l y a t : w w w. AmericanShopperJobs.com. FRAC SAND HAULERS with complete bulk pneumatic rigs only. Relocate to Texas for Tons of work. Great company/pay. Gas cards/Quick Pay available. 817-926-3535. HANDS ON CAREER – Train for a high paying Aviation Maintenance Career. FAA approved program. Financial aid if qualified – Job placement assistance. Call AIM today (866)8546156. INVESTORS - Outstanding and immediate returns in equipment leasing for frac industry. Immediate lease out. Tax benefits and high returns. We need more equipment! 817-926-3535. LOCAL DATA ENTRY/TYPISTS needed immediately. $400 PT - $800 FT weekly. Flexible schedule, work from own PC. 1-800-501-9408. MAKE $1,000 WEEKLY PAID IN ADVANCE! Mailing Our Brochures From Home. 100% Legit Income is guaranteed! No Selling! Free Postage! Full guidance & Support. Enroll Today! www.MailingBrochuresHelp.com.

MEMORY FOAM THERAPEUTIC NASA VISCO MATTRESSES WHOLESALE! T-$299 F-$349 Q-$399 K-$499 ADJUSTABLES - $799 FREE DELIVERY 25 YEAR WARRANTY 90 NIGHT TRIAL 1-800-ATSLEEP 1-800-2875337 WWW.MATTRESSDR.COM. PERFECT CONDITION, Brand New, GIGANTIC MIRRORS Jobsite Leftovers. Installation Available, Free Delivery. 48”x100” (7) $115 each; 60”x100” (8) $140 each; 72”x100” (11) $165 each. 1-800-473-0619. SAVE UP TO 75% on all your MEDS Print your free coupon, use today! www. prescriptiondrugcoupons.com.

Health DIABETIC TEST STRIPS WANTED: Cash for unopened, unexpired boxes of Diabetic Test Strips. All Brands Considered. Prepaid U.S. Mailing label provided. Trustworthy buyer. God Bless. Call Caleb 1-800-869-1795 or 574-286-6181. LOSE UGLY BODY FAT AND GET PAID! $$ Get Paid $1000 to Lose Weight! Call now for details – hurry limited time. 888-245-6210. SAVE UP TO 75% on all your MEDS www.prescriptiondrugcoupons.com Print your free coupon, use today! TAKE VIAGRA/CIALIS? SAVE $500.00! Get 40 100mg/20mg Pills, for only $99! Call now and Get 4 BONUS Pills FREE! Your Satisfaction or Money Refunded! 1-888-757-8646. VIAGRA 100MG and CIALIS 20mg!! 40 Pills +4/FREE! Only $99. #1 Male Enhancement, Discreet Shipping. Only $2.25 a pill. Buy the Blue Pill Now! 1-888-796-8870.

DONATE A CAR – HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing. Call 7 days/week. Non-runners OK. Tax Deductable. Call Juvenile Diabetes Research Foundation 1-800-578-0408. ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-510-0784 www.CenturaOnline.com. CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We’re Local! 7 Days/Week. Call Toll Free: 1-888-779-6495 CASH PAID for unexpired, sealed DIABETIC TEST STRIPS- up to $17/Box! Most brands. Shipping Prepaid. FAST payment. Ask for Emma 1-888-776-7771 www.cash4diabeticsupplies.com. DONATE A CAR To Help Children and Their Families Suffering From Cancer. Free Towing. Tax Deductible. Children’s Cancer Fund Of America, Inc. www.ccfoa.org 1-800-469-8593. DIRECTV Lowest Price! ALL FREE: HBO|Cinemax|Starz|Showtime for 3mo + FREE NFL Sunday Ticket w/Choice Ultimate + HD/DVR Upgrade! From $29.99/mo Call by 7/7! 800-705-0799. DONATE A CAR – Free Next Day Pick-Up – Help Disabled Kids. Best Tax Deduction. Receive 3 Free Vacation Certificates. Call Special Kids Fund 7 days/week 1-866-448-3865. DISH Network, more for less! Packages starting at $24.99/mo. Local channels included! FREE HD for life! Free BLOCKBUSTER® movies for 3 months. 1-888-679-4993.

DONATE YOUR CAR, TRUCK or SUV to the Childhood Leukemia Foundation today. Tax Deductible, FREE towing and fast, easy p r o c e s s. C a l l 1 - 8 7 7 - 7 5 4 - 3 2 2 7 o r v i s i t www.MyCarforDonation.org. WANT TO SAVE $500.00 on Viagra/Cialis? Get 40 100mg/20mg Pills, for only $99! No office visit. Money Back Guarantee. 4 BONUS Pills FREE! CALL 1-888-757-8646. 2-4 BEDROOM HOMES No Money Down No Credit Check Available Now Take Over Payments Call Now 1-866-343-4134.

Personal Services LEARN ENGLISH – SPANISH – ITALIAN – FRENCH – PORTUGUESE Conversational. Grammatical. Private lessons. Reasonable Rates. Tutoring students. 443-352-8200.

Vacation Opportunities SELL/RENT YOUR TIMESHARE FOR CASH!!! Our Guaranteed Services will Sell/Rent Your Unused Timeshare for CASH! Over $95 Million Dollars offered in 2010! www.buyatimeshare.com Call 888-879-8612. SIZZLING SUMMER SPECIALS! At Florida’s Best Beach – New Smyrna Beach Stay a week or longer Plan a beach wedding or family reunion. www.NSBFLA.com or 1-800-541-9621. SELL/RENT YOUR TIMESHARE FOR CASH!!! Our Guaranteed Services will Sell/Rent Your Unused Timeshare for CASH! Over $95 Million Dollars offered in 2010! www.sellatimeshare.com Call 1-800-640-6886.

Wanted LOOKING FOR GOLD and silver coins. Father and son from Howard County will pay cash for your coins. Please call Mac 443-285-2774.

DONATE YOUR VEHICLE TODAY to the Childhood Leukemia Foundation! Free towing and removal. Fast and easy! Call 1-877-7543227 or visit www.MyCarforDonation.org.

STAMP COLLECTIONS, AUTOGRAPHS purchased/appraised – U.S., worldwide, covers, paper memorabilia. Stamps are my specialty – highest price paid! Appraisals. Phone Alex, 301309-6637. Stampex1@gmail.com.

GET YOUR DEGREE ONLINE *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800510-0784 www.CenturaOnline.com.

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.

DONATE YOUR CAR! Breast Cancer Research foundation! Most highly rated breast cancer charity in America! Tax Deductible/Fast Free Pick Up. 800-771-9551 www.cardonationsforbreastcancer.org.

CASH BUYER SEEKING WATCH MAKER’S TOOLS & PARTS, wrist & pocket watches (any condition), costume jewelry and antiques, coins. 410-655-0412.

GIGANTIC MIRRORS Jobsite Leftovers, Brand New, Perfect Condition, 48”x100” (7) $115 each; 60”x100” (8) $140 each; 72”x100” (11) $165 each. Installation Available, Free Delivery. 1-800-473-0619. DONATE YOUR CAR… To The Cancer Fund of America. Help Those Suffering With Cancer Today. Free Towing and Tax deductible. 1-800835-9372 www.cfoa.org. LOSE FAT FAST. Lose the fat in places other weight loss products don’t. First 100 callers receive free sample call toll free 1-855-343-6804.

BUYING NUMISMATIC COINS and most gold or silver items including coins, sterling, jewelry, etc. Will come to you with best cash offer. Call Paul: 410-756-1906.

Classifieds continued on page 30.

TO PLACE A CLASSIFIED

Deadlines and Payments: Ad text and payment is due by the 5th of each month. Note: Only ads received and prepaid by the deadline will be included in the next month’s issue. Please type or print your ad carefully. Include a number where you can be reached in the event of a question. Payment is due with ad. We do not accept ads by phone or fax, nor do we accept credit cards. Private Party Text Ads: For individuals seeking to buy or sell particular items, offer a personal service, or place a personal ad. Each ad is $10 for 25 words, 25 cents for each additional word. Commercial Party Text Ads: For parties engaged in an ongoing commercial business enterprise. Each ad is $25 for 25 words, 50 cents for each additional word. Note: Each real estate listing counts as one commercial ad. Send your classified ad with check or money order, payable to the Beacon, to:

The Beacon, Classified Dept. P.O. Box 2227, Silver Spring, MD 20915-2227

AUGUST 2011 — BALTIMORE BEACON

More at TheBeaconNewspapers.com

I want more than I am getting from Original Medicare and Medicaid.

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Part D Prescription Drug coverage

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+ $99

allowance for over-the-counter items

1-888-332-2827 (TTY 711), Monday through Friday, 8 am to 6 pm, or visit www.mybravohealth.com.

24 one-way trips per year to and from doctor appointments

Bravo Health plans are offered by subsidiaries of Bravo Health, Inc. A Medicare Advantage organization with a Medicare contract. This plan is available to anyone who has both Medical Assistance from the State and Medicare. Enrollment is open year round. All cost-sharing is based on your level of state medical assistance - premiums, copays, coinsurance, and deductibles may vary based on your income. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Benefits, formulary, premiums, and copayments may change on January 1, 2012. H2108_11_0034 File and Use 12142010