September 2012 Howard County Beacon Edition by The Beacon Newspapers

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Retirees happy to serve again

SEPTEMBER 2012

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

A laid-back visit to New Hampshire’s lakes, looms and loons; plus, the best deals for fall travel page 23

ARTS & STYLE

Stipends for serving ReServe matches continuing professionals age 55+ (ReServists) with parttime service opportunities at nonprofit organizations and public institutions. ReServists earn a modest stipend of $10 an hour for about 15 to 20 hours of work a week. ReServe, based in New York City, recently partnered with the Social Work Community Outreach Service (SWCOS) of the University of Maryland School of Social Work to launch an affiliate in Baltimore — the first tied to an academic institution. ReServe Miami was launched last fall, and ReServe opened an affiliate in Milwaukee this year. ReServe was founded in 2005 as an integrated response to two social and economic trends: 80 million baby boomers were reaching traditional retirement age, while at the same time, nonprofit organizations

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PHOTO BY FRANK KLEIN

By Carol Sorgen Dave Hall enjoyed a successful career in financial services, but when the banking industry took a hit several years ago, he decided it was an opportune time to retire. At 58, though, Hall said he felt he still had quite a bit of “tread” left on him and wanted to continue to make use of his skills — but in a different way. “I wanted to shift my focus away from the for-profit world to the not-for-profit,” said Hall, who lives in Columbia. But with no experience working with nonprofit organizations, he wasn’t finding much opportunity. However, with the help of a group called ReServe, Hall found a position with Consumer Credit Counseling Services (CCCS) in Catonsville, where he works 15 to 25 hours a week, advising the organization on how best to allocate grant funds. Hall believes that he is putting his lifetime of experience to good work. He said he is finding his work at CCCS enjoyable — though not necessarily as different from the corporate world as he expected — and he is grateful both for the opportunity to provide his expertise and the appreciation he is shown by his CCCS colleagues and the coordinators of ReServe. “The psychic income is very much valued,” he said. “This is a very good fit for me.”

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After retiring from the banking industry, Dave Hall put his years of experience to work at Consumer Credit Counseling Services with the help of ReServe, an organization that places retirees 55-plus in part-time positions at nonprofits. Those placed are paid a modest stipend. ReServe opened its Maryland office earlier this year.

and public agencies faced challenges in their capacity to serve those in need. “In just six years of operation in New York City, ReServe has shown that the experience and skills of older adults constitute an abundance of talent, just waiting to be tapped all over America,” said Jack Rosenthal, co-founder and chairman of ReServe’s board, and the former president of the New York Times Foundation. “Longer life may be the most important phenomena of our time,” added Rosenthal, “yet there are no institutions to govern a new stage of life that may last 20 years or longer.” To mark ReServe Maryland’s launch, the

UM School of Social Work held an introductory event in February at the University’s Southern Management Corporation Campus Center. Nearly 60 people attended the presentation, referred to as a “First Impressions” session, based on the information sessions ReServe hosts monthly for professionals 55+ interested in joining ReServe. “ReServe Maryland is a great solution to two problems,” said Dick Cook, director of SWCOS. “One is the huge number of boomers who want to continue to make a contribution to our society, which has no See ReSERVE, page 9

The Candlelight Concert Society celebrates 40 years; plus, a walk down memory lane through popular advertising slogans page 26 FITNESS & HEALTH 4 k New weight-loss drug approved k Eight medical breakthroughs THE SENIOR CONNECTION 16 k Howard County Office on Aging Newsletter LAW & MONEY 18 k Get ready for next year’s taxes k Why you need more than IRAs PLUS CROSSWORD, BEACON BITS, CLASSIFIEDS & MORE

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

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Something for nothing? Recently, I had to share the news with publication, so we like (and hire) older our staff that our company health insur- adults. Second, we’ve been blessed with loyal, dedicated employees, ance policy was up for renewseveral of whom have passed al. The good news was that the 10-year mark with our our coverage would not company. They have, you change. The bad news was might say, “aged in place.” that our monthly premiums But it’s only been a year would be rising 33 percent! since our last increase (which We were all in shock. Though our company covers was much less, but an increase well over half the insurance nonetheless). How much differcost for participating employence could another year make? ees, this would affect all of us My broker asked if we significantly, costing each of FROM THE could talk “off the record.” I us between $115 and $465 PUBLISHER promised I would not reveal more per month. By Stuart P. Rosenthal his name or company in the So I called my insurance interest of getting the scoop. broker to ask what our options were. He He then said that we could have expectsent us alternatives from several compa- ed roughly a 10 percent increase solely nies and plans, but they were only less ex- due to rising healthcare costs. About anpensive because they either doubled our other 10 percent could be attributed to deductible, reduced coverage, or failed to moving into an older “age band.” But the balance was due to enhanced covinclude many of the doctors our staff wanted to keep. In other words, we really didn’t erage mandated by the Affordable Care Act. (Some of these benefits haven’t yet been have any good alternatives. I asked my broker what had happened. phased in nationally, but Maryland has manAt first, he simply said the price hike was dated many of them earlier than required.) due to our employees’ having aged into a Now, I actually found this somewhat comforting. Because when you think higher cost category. I’ll admit that we do have a somewhat about it, the changes our new healthcare older group of employees. First, we’re a 50+ law have brought about are, for the most

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The Beacon is a monthly newspaper dedicated to inform, serve, and entertain the citizens of Howard County, and is privately owned. Other editions serve Greater Baltimore, Greater Washington, and the Coachella Valley in California. Subscriptions are available via third-class mail ($12), prepaid with order. Maryland residents add 6 percent for sales tax. Send subscription order to the office listed below. Publication of advertising contained herein does not necessarily constitute endorsement. Signed columns represent the opinions of the writers, and not necessarily the opinion of the publisher. • Publisher/Editor ....................Stuart P. Rosenthal • Associate Publisher..............Judith K. Rosenthal • Vice President, Operations........Gordon Hasenei • Director of Sales ................................Alan Spiegel • Assistant Operations Manager ..........Roger King • Managing Editor............................Barbara Ruben • Graphic Designer ..............................Kyle Gregory • Advertising Representatives ........Doug Hallock, ................................................ Steve Levin, Jill Joseph • Intern ............................................Jacob Schaperow

The Beacon, P.O. Box 2227, Silver Spring, MD 20915 (410) 248-9101 • Email: info@thebeaconnewspapers.com Submissions: The Beacon welcomes reader contributions. Deadline for editorial and advertising is the 1st of the month preceding the month of publication. See page 31 for classified advertising details. Please mail or email all submissions.

part, new benefits that consumers have long been clamoring for. First, there’s the elimination of lifetime caps on benefits. Individuals used to have a $1 million or $2 million cap on lifetime insurance coverage, which once sounded generous. But with the cost of today’s cutting-edge cancer treatments and genetically engineered drugs sometimes running up to $100,000 per month, that number looks to some more like a death sentence. Now, there’s no cap. Second, pre-existing conditions will soon no longer be grounds for denial of coverage. In Maryland, that’s already true for all people 19 and under. That’s clearly significant for anyone with a chronic or life-threatening disease, and allows them to change jobs or insurance plans without fear of losing coverage. Third, insurance companies must now allow children of employees up to age 26 to remain on their parent’s plan if they are not covered on the job. My broker noted that this includes many young people who are having babies, which tends to be an expensive healthcare benefit. While this benefit doesn’t affect any Beacon staffers at the moment, group plans spread risk among thousands of businesses, so this, too, affects our rate. A number of other benefits help Medicare recipients (and we have some of those on our staff, too). For example, there are no-cost, no-deductible preventive care services (screenings, wellness visits and the like), and additional savings on drug costs for those who hit the “donut hole.” The government website www.HealthCare.gov trumpets all these changes and even details how much each state has benefitted so far. It says that Maryland alone has added 46,000 young adults to insurance plans, saved seniors more than $7 million on prescription drugs, given more than 900,000 seniors free preventive care, and lifted lifetime coverage caps on 2.25 million residents.

As my broker said to me, who could expect all these additional benefits would come without an increase in premiums? But haven’t we been told many times that the new law will reduce healthcare and insurance costs? Just a couple of weeks ago, Secretary of Health and Human Services, Kathleen Sebelius, wrote an op-ed in the Washington Post “setting the record straight about some false claims” and telling us “the facts.” First, she denied that the Affordable Care Act is driving up Americans’ healthcare costs. Instead, she said the increase in national health expenditures had dropped from about 7 percent a year to less than 4 percent a year. Second, she said it was a “falsehood” to claim that the law is putting a greater burden on small businesses. Her evidence was that “the share of small businesses offering employee coverage has held steady” and that “experts predict” more employers will offer it in 2014, in part due to new tax credits that some (not the Beacon) are eligible for. She concluded that “since the Affordable Care Act was passed, national health spending is rising at a slower rate, health insurance premiums are rising at a slower rate, smallbusiness coverage is holding steady and Medicare is on a stronger financial footing.” This is not what our experience at the Beacon suggests. And my broker told me that more than 90 percent of the thousands of local small businesses he works with have had significant increases in their insurance costs this year. I’m willing to say the new benefits of the healthcare law are impressive. But I also think it was — and continues to be — wrong to try to tell the public the changes are cost-neutral or result in cost savings. Something for nothing? That’s not the way life works, in my experience.

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.

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

Health Fitness &

IT’S ALL IN THE WRIST How to prevent and treat golfers’ wrist injuries, from tendinitis to breaks PRESCRIPTION FOR QUIET Noisy hospitals hurt sleep and recovery. Now some are piping down LESS HEAT FOR MEAT Avoid overcooking or charring meat to prevent the formation of toxins GETTING HIP Metal hip replacements can break down and should be monitored

8 medical breakthroughs on the horizon By Martha Craver Sometimes, modern medicine pushes past science and into the realm of science fiction. The artificial heart and hip replacements were certainly in that category, giving rise to the idea of a bionic man or woman. Other breakthroughs have less of a “wow” factor, but offer relief and comfort where once there was pain and suffering. Here are eight medical breakthroughs just over the horizon that could have a profound impact on your life. (Alas, a cure for the common cold is not on the list.) 1. Halting high blood pressure Here’s a breakthrough with a sci-fi feel: lowering high blood pressure with radio waves. About half of the 1.2 billion people worldwide with high blood pressure aren’t controlling it, and 20 percent of them don’t respond to conventional treatment. Researchers have found that some radio frequencies will disable certain nerves in

kidneys to significantly lower blood pressure. The treatment involves threading a catheter through an artery in the groin, but doesn’t require major surgery. The treatment, already approved in Europe, should be widely available in the United States in about two years. Medtronic is conducting the first U.S. trial. 2. Better stents, heart valves There have been great strides in the use of metal stents to open clogged arteries, and in repairing or replacing defective heart valves. Soon such procedures will become less invasive. Instead of using a metal stent to open a blocked artery and restore blood flow, Abbott Laboratories is testing a temporary stent that dissolves after two years, leaving behind a healed blood vessel. Abbott is also working on a clip to close a dysfunctional mitral valve. It’s delivered by catheter rather than through open heart surgery. Both items are already on

the market in Europe. A replacement heart valve is also coming, from Edwards Life Sciences. Most valve swaps involve open heart surgery with the heart temporarily stopped. This valve would be placed intravenously, with the heart still beating. 3. Hope for diabetics Look for an external artificial pancreas to hit the U.S. market within five years. That will be a boon for diabetics who have trouble keeping blood sugar levels in check. The device monitors blood sugar and then administers and adjusts insulin automatically using a computerized insulin pump. One early version, which stops the flow of insulin when glucose levels are too low, is already available overseas and will begin U.S. trials this year. 4. Restoring sight to the blind An artificial retina is being developed by Second Sight Medical Products Inc. The technology, called Argus II, converts

images from a tiny camera in a person’s glasses into electrical pulses that are transmitted to electrodes implanted on the retina. Vision is limited, but testing has enabled sightless people to find doors, sidestep obstacles and sort laundry. Some users can even read large print with the device’s help. It is available in Europe now, but is likely a year or two away from approval for use in the United States. A new artificial cornea is also a couple of years away from the U.S. market. KeraMed Inc. is developing an implant that doesn’t rely on donor tissue. (There’s enough donor tissue to treat only 1 percent of the 10 million cases of corneal blindness reported worldwide each year.) The artificial version, made of a proprietary material, is designed to replace the See BREAKTHROUGHS, page 5

Long-awaited weight-loss pill approved By Matthew Perrone A new weight-loss pill that many doctors consider the most effective of a new generation of anti-obesity drugs got the approval of the Food and Drug Administration in July. The pill, called Qsymia, was approved for patients who are overweight or obese and also have at least one weight-related condition, such as high blood pressure, diabetes or high cholesterol. The drug offers hope for those who have failed to lose weight in other ways, but its path to approval also underscores how difficult it has been for drugmakers to find obesity treatments that are safe and effective. The drug’s maker, Vivus Inc., said it plans to bring the drug to market in the fourth quarter of this year. It hasn’t yet decided what the pills will cost. In testing, the drug led patients to lose more weight than two other weight-loss pills recently reviewed by the FDA. Patients taking Qsymia for a year lost 6.7 percent of their body weight in one study and 8.9 percent in another study, the FDA said. The company said patients on the strongest formulation tested lost nearly 11 percent of their weight.

Combines two approved drugs Despite its impressive performance in

clinical trials, Qsymia is not exactly a scientific breakthrough. The drug is actually a combination of two older drugs long known to help with weight loss: phentermine and topiramate. Phentermine is a stimulant that suppresses the appetite, and has long been used for short-term weight loss. Topiramate is an anticonvulsant, sold by Johnson & Johnson as Topamax, which makes people feel more satisfied after eating. Researchers say the innovation of Qsymia lies in targeting more than one of the brain signals that drive people to overeat. “We now know there are multiple pathways that determine how much energy we take in every day,” said Dr. Tim Garvey of the University of Alabama at Birmingham. “If you intervene on one pathway, it’s hard to make much of a difference. You really need to attack multiple mechanisms to get a pronounced effect.” Garvey helped conduct several pivotal trials of the drug. Qsymia is the second weight-loss drug approved by the FDA in less than a month, following Arena Pharmaceutical’s pill Belviq in late June. Previously the agency had not approved a new drug for long-term weight loss since 1999. With U.S. obesity rates nearing 35 per-

cent of the adult population, many doctors have called on the FDA to approve new weight-loss treatments. But a number of prescription diet pills have been associated with dangerous side effects — particularly heart problems. In 1997, the popular diet drug combination fen-phen was linked to heart valve damage. The cocktail of phentermine and fenfluramine was a popular weight-loss combination prescribed by doctors, though it was never approved as such by the FDA. Fenfluramine was eventually withdrawn from the market. Other safety failures for diet pills have continued to pile up in recent years. In 2010, Abbott Laboratories withdrew its drug Meridia after a study showed it increased risks for heart attack and stroke.

Some safety concerns The FDA’s approvals of Qsymia and Belviq suggest a new willingness to make weight-loss medications available, even in the face of lingering safety issues. The FDA initially rejected Vivus’ drug in 2010 over concerns that it can cause birth defects if taken by pregnant women. The agency laid out a risk-management plan specifically designed to minimize the

chance of the women becoming pregnant while using the drug. It recommends that women of childbearing age test negative for pregnancy before starting the drug, and take a monthly pregnancy test while taking it. The agency also said patients with recent or unstable heart disease or stroke aren’t good candidates for the drug because its effect on heart rates in those patients is not known. Vivus has to do studies of the heart effects of Qsymia, the FDA said. Analysts estimate the new pill could garner more than $1 billion in sales by 2016, though Mountain View, Calif.-based Vivus plans a slow rollout. Company executives say their initial marketing efforts will focus on obesity specialists, not general doctors. Vivus had originally planned to market the drug under the brand name Qnexa. However, FDA regulators ordered the company to change the name to avoid potential confusion with similar-sounding drugs. Rival Arena Pharmaceuticals Inc. of San Diego plans to start selling Belviq early next year. A third California drugmaker, Orexigen Therapeutics Inc., is still running clinical trials of its product, Contrave, and is working toward an FDA approval date in 2014. — AP

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section of the cornea that focuses light, which is necessary for vision. It is flexible, so it will require a smaller incision than other implants. That will mean a shorter recovery period and fewer complications. Further down the road (five years or so) is a drug treatment from Lpath Inc. for macular degeneration — the leading cause of blindness in people over 65. The drug contains antibodies to neutralize molecules that contribute to abnormal growth of blood vessels in the retina. The out-of-control vessels distort central vision. 5. Taming the tremors of Parkinson’s Preladenant, from Merck, is seen as an alternative to the existing therapy, L-dopa. But Parkinson’s drugs often become less effective over time, so development of new drugs is vital. Enter Fipamezole, from Santhera Pharmaceuticals, which is seen as a promising treatment for the pronounced tremors associated with advanced cases of the disease. It’s probably several years away from approval by the U.S. Food and Drug Administration, however. 6. Progress against cancer There’s no cure for cancer, but new approaches are being developed to aggressively fight some forms of the disease and to limit debilitating side effects.

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Vaccines to treat pancreatic and ovarian cancers, melanoma, multiple myeloma and a form of lung cancer are in development but have not yet moved into the FDA approval pipeline. Also coming: ridaforolimus, from Merck, to treat soft tissue and bone sarcomas; CPI613, from Cornerstone Pharmaceuticals, to treat pancreatic cancer; cabozantinib, from Exelixis Inc., for prostate, ovarian and liver cancers; and Multikine, from CEL-SCI, for treating advanced head and neck cancers. 7. Easing conditions of aging Up to 40 percent of adults with rheumatoid arthritis don’t respond adequately to approved treatments. Help for them may come in the form of tofacitinib, a drug in development by Pfizer that inhibits enzymes that contribute to inflammation. Meanwhile, Merck is a year away from seeking FDA approval for odanacatib, a once-a-week treatment for osteoporosis. One-quarter of those with bone density weakness can’t tolerate the most common drugs to treat it, so the alternative will be welcome news for the 10 million people in the U.S., mostly women, with the disease. 8. Your medical history on a microchip Within five years, you’ll be able to carry all your medical records, including lab work and X-rays, on a flash drive. The device, downloadable by any doctor or medical official, will be encrypted to prevent hacking. © 2012, Kiplinger. All rights reserved. Distributed by Tribune Media Services, Inc.

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Preventing and treating golfers’ wrist injuries By Dr. Sanjeev Kakar Dear Mayo Clinic: I golf three to four times each week, but lately the pain in my wrists makes golfing extremely uncomfortable. A friend of mine had similar symptoms and ended up having surgery to treat tendinitis. Is there a way to get some relief that won’t require surgery? Answer: Wrist injuries are common in people who play golf regularly. These injuries often occur due to overuse, poor mechanics or trauma. The right treatment depends on the underlying cause. For most people with the type of wrist pain you describe, surgery is rarely needed. Many golfing-related wrist injuries are a result of overuse, particularly in recreational golfers who take a break during the winter, and then play a lot during warmer

months. For example, some golfers may go to the driving range for the first time in the spring and hit 200 balls in one session, or they may start playing four rounds of golf a week after taking several months off. Both situations could lead to wrist injuries. Poor mechanics may also be to blame. For example, if a golfer is swinging the club inappropriately or “casting” the club, it could lead to pain at the back of the wrist due to injury to a tendon called the extensor carpi ulnaris. In time, that can result in chronic wrist pain. Wrist injuries also can come from some type of trauma. A golfer may be playing in the rough, for example, swing hard and catch the club in the long grass. That can twist the wrists and, depending on the power of the swing, cause serious wrist tendon damage or even break a bone. Similar injuries may happen if a golfer

takes a large divot out of the turf or hits a rock or other solid object with a club.

Self-help When wrist pain and swelling first appear, the best steps are to rest it and put ice on it to bring down the swelling. Using heat on the injured area can relieve soreness and stiffness. A compression wrap or a wrist brace also may be helpful. If symptoms continue for more than a week and the pain gets worse, medical attention is in order. Your doctor will likely ask about your symptoms, when and how they started, and examine your wrist. This can help shed light on how the injury occurred and determine if tests such as X-rays, computerized tomography (CT) or magnetic resonance imaging (MRI) scans are needed to diagnose the problem.

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If the condition is tendinitis, it may get better with just rest and physical therapy. You might need to wear a wrist brace, as well. If that’s not enough, an injection of a corticosteroid can help reduce inflammation in the injured area to allow for healing. Rarely, if nothing else has helped, surgery may be an option for chronic tendinitis.

Broken bones For a broken wrist bone, a cast may be needed to allow the injury to heal, and physical therapy eventually may be necessary. In most cases of a broken wrist bone, no additional treatment beyond those two measures is required. Depending on the type of broken bone, however, in rare circumstances surgery may be needed. To help prevent future golfing-related wrist injuries, take time to stretch your arms, elbows and wrists before you play. Also, warm up with some easy practice swings before you begin a round of golf or start hitting at the driving range. Work on improving your swing, too. Take a lesson occasionally to make sure your form is still good. Finally, invest in quality equipment. Clubs with graphite shafts and irons that are cavity-backed reduce the vibration of impact and can help prevent injuries. Something as simple as using fatter grips to keep you from squeezing the club too tightly and aggravating tendinitis also may be of benefit. — Sanjeev Kakar, M.D., Orthopedic Surgery, Mayo Clinic, Rochester, Minn. 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, 2010 Westridge Dr., Irving, TX 75038. For health information, visit www.mayoclinic.com. © 2012 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Media Services, Inc.

BEACON BITS

Sept. 8

PARKINSON’S SUPPORT GROUP

A support group for those with early onset Parkinson’s disease and for those who are newly diagnosed will meet on Saturday, Sept. 8 from 10:30 a.m. to 1 p.m. The group is open to caregivers as well as

For more information or to sign-up, please visit CA’s Membership Service Center (10221 Wincopin Circle, Downtown Columbia on the Lakefront) any time Monday-Saturday from 10am-7pm or call 410-730-1802.

Offer is valid for CA Residents, ages 65+, and cannot be combined with any other special offer or discount. 20% discount applies to one-year Individual Facility, Outdoor Pool, Package Plan or Package Plan Plus memberships. 25% discount applies to multi-year Individual Facility, Package Plan or Package Plan Plus memberships. Discounts are valid on new memberships only. Additional fees and restrictions may apply for classes, indoor tennis courts and greens fees. Offer expires September 30, 2012.

patients. The meeting will be at the Bain Center, 5470 Ruth Keeton Way, Columbia. For more information, contact Malcolm Wolf at (301) 4907288 or mhwolf@comcast.net.

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Hospital noise affects sleep and recovery By Lauran Neergaard Anyone who’s had a hospital stay knows the beeping monitors, the pagers and phones, the hallway chatter, the roommate, even the squeaky laundry carts all make for a not-so-restful place to heal. Hospitals need a prescription for quiet, and new research suggests it may not be easy to tamp down all the noise for a good night’s sleep. In fact, the wards with the sickest patients — the intensive care units — can be the loudest. “It’s just maddening,” said Dr. Jeffrey Ellenbogen, sleep medicine chief at Massachusetts General Hospital. He pointed to one study that found the decibel level in ICUs reaches that of a shout about half the time. Patient satisfaction surveys are packed with complaints that the clamor makes it hard to sleep. Yet remarkably little is known about exactly how that affects patients’ bodies — and which types of noises are the most disruptive to shut-eye. So Ellenbogen and researchers from Harvard and the Cambridge Health Alliance recorded different kinds of hubbub in a community hospital in Boston’s suburbs to try to find out. Since it wouldn’t be appropriate to experiment on sick people by disrupting

their sleep, 12 healthy volunteers were enlisted. They spent three nights in Mass General’s sleep lab, slumbering as recorded hospital sounds blared from nearby speakers at increasing volumes.

Electronic beeps disturb sleep Sure, a toilet flushing, voices in the hallway or the ice machine woke people once they were loud enough. But electronic sounds were the most likely to arouse people from sleep — even at decibel levels not much above a whisper, the researchers reported in the journal Annals of Internal Medicine. What electronic sounds? Particularly troublesome was the beep-beep-beep from IV machines that signals someone needs more fluid or medicine, one of the most common machines in a hospital. They’re just one of a variety of alarms. Those alarms are meant to alert hospital workers, of course, so the finding raises a conundrum. But some hospitals are testing ways to make at least some monitors flash signals at the nurses’ stations rather than sound loudly at the bedside. The other surprises: The sleepers’ heart rates temporarily jumped as much as 10 beats a minute as they were aroused, the researchers reported. And they didn’t remember most of the disruptions even

though brain recordings clearly showed their sleep was interrupted, which suggests that patients’ complaints are underestimating the problem. “My God, we delivered 100 sounds to this person and woke them up 40 times and they’re reporting to us just a couple [of awakenings],” Ellenbogen said with disbelief. If healthy young adults had a pronounced change in heart rate, imagine the stress of alarms sounding all night long in an ICU full of frail, older patients with weakened hearts, he said. “It clearly has a big impact,” agreed Dr. Ivor Berkowitz, a pediatric ICU specialist at Johns Hopkins University in Baltimore. He wasn’t involved with the research but calls it compelling and would like to see children studied in the same way. Regularly getting too little sleep plays a role in a number of health troubles, from drowsy driving to high blood pressure,

obesity, depression, memory problems and a weakened immune system. There’s been far less research on how much sleep disruption interferes with recovery from illness. But some studies show patients in noisier wards require more medications and sedatives. Delirium — a dangerous state of confusion and agitation — is linked to sleep deprivation and the loss of normal sleep-wake cycles during certain hospitalizations, especially among older people, Ellenbogen noted. Noise isn’t the only challenge. He said sometimes patients are awakened for a blood test or blood pressure check simply because the overnight nurse assigned the task goes off duty at 7 a.m.

Taking steps to reduce noise Acoustical engineers from Johns Hopkins helped sound an alarm about hospital See NOISY HOSPITALS, page 8

BEACON BITS

Sept. 19

THE FUTURE OF HEALTHCARE

Dr. Stephen Schimpf discusses his new book, The Future of Health Care Delivery: Why it Must Change and How it Will Affect You on Wednesday, Sept. 19 at 2 p.m. at the Miller Branch of the Howard County Libraries, 9421 Frederick Rd., Ellicott City. Books will be available for purchase and signing. For more information, call (410) 313-1950.

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Noisy hospitals From page 7 noise several years ago, reporting that the average level at night has risen dramatically over the past few decades. Now a number of hospitals have begun taking steps to muffle the noise. Hopkins recently opened a new building constructed for quiet, and Berkowitz said the difference in the new pediatric ICU is stunning. Before, eight children’s beds were grouped together in two rooms linked by an opening — the sound of ventilators and machine alarms and conversation all bouncing around the area, he recalled. Now, every patient room is private. Sound-absorbing materials line ceilings. There’s a rubber floor in the neonatal unit. There’s no overhead paging — workers’ phones vibrate when they’re needed. “People have a sense, I think, of being calmer,” Berkowitz said. He doesn’t have any medical records to show it, but “my gut sense is that it’s better for patients.” Existing hospital buildings, especially

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

those without private rooms, require different techniques. For example, Mass General has posted “quiet hours” in the afternoon and at night on certain wards. The lights are dimmed, patients’ room doors are closed wherever possible, overhead paging is minimized, and health workers lower their voices and try not to enter rooms unless it’s really necessary, said Rick Evans, the hospital’s senior director for service. In his office sits a gadget that looks like a traffic light, flashing yellow or red when the decibel level gets too high. Evans said the hospital is evaluating whether to start using some type of noise sensor for further help. Until hospitals dampen more noise, Ellenbogen advises families to advocate for quiet: • If an IV alarm repeatedly sounds, “tell the nurse this has got to stop,” he said. • Ask if it’s OK to close the room door. • Request a fan in the room to be “white noise” that muffles the electronics. • Speak up if hallway conversations are too loud. — AP

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Hospitals may harm dementia patients For people with Alzheimer’s disease, a hospital stay may prove catastrophic. People with dementia are far more likely to be hospitalized than other older adults, often for preventable reasons like an infection that wasn’t noticed early enough. Hospitals can be upsetting to anyone, but consider the added fear factor if you can’t remember where you are or why strangers keep poking you. Now a new study highlights the lingering ill effects: Being hospitalized seems to increase the chances of Alzheimer’s patients moving into a nursing home — or even dying — within the next year, Harvard researchers reported recently. The risk is higher if those patients experience what’s called delirium, a state of extra confusion and agitation, during their stay. It’s not clear exactly why, although specialists say delirium is especially bad for an already damaged brain. But the researchers, and independent Alzheimer’s experts, agree that caregivers need to know the risk so they can help a loved one with dementia avoid the hospital if at all possible. “It’s a very stressful time, being in the hospital,” said lead researcher Dr. Tamara Fong, of the Harvard-affiliated Beth Israel Deaconess Hospital and Hebrew SeniorLife in Boston. Often families tell her, “Dad was never the same after he had that surgery and he was confused.” Earlier this year, University of Washington researchers reported people with dementia are more likely than other seniors to be hospitalized, especially for conditions such as pneumonia, urinary tract infections, worsening heart failure or dehydra-

tion that might have been treated in the doctor’s office if they’d been caught early. The new study took a closer look at potential health consequences of hospitalizations. Fong’s team examined medical records for 771 Alzheimer’s patients who were living at home and fairly high-functioning, to see what happened if they wound up in the hospital. About half did, mostly for things like fainting or falls, pneumonia and chest pain. A quarter suffered delirium during that hospitalization. Each year, about 4 percent of the patients who weren’t hospitalized entered a nursing home and 2 percent died. Yet 29 percent of the hospitalized Alzheimer’s patients wound up in a nursing home — as did a surprising 43 percent of those who suffered delirium, Fong found. Of those who survived the initial hospitalization, 9 percent died in the following year, as did 15 percent of those who’d suffered delirium, Fong reported in the journal Annals of Internal Medicine. The study can’t explain the link. It’s possible that people who wound up in the hospital or delirious already had begun deteriorating more than their non-hospitalized counterparts. Fong would like to compare hospitalized Alzheimer’s patients with those who get athome care for the same conditions, such as advanced urinary tract infections, to see if avoiding the hospital makes a real difference. For advice on hospitalization from the Alzheimer’s Association, go to http:// tinyurl.com/7zq8c8v. — AP

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ReServe From page 1 easy avenue for them to be useful. “Two is the huge number of human service providers that are burdened with increasing demand and diminishing resources. Put the two problems together and they take care of each other.” Cook mentioned as a highly visible example the recent closing in Chicago of Hull House, the Chicago institution that grew out of a settlement house founded by Jane Addams in 1889. He said many valued organizations in Maryland are similarly challenged. ReServe Maryland will help non-profit organizations build capacity. In Maryland, initially 20 individuals will be recruited to become ReServists (12 have been selected so far — 5 in Baltimore and 7 elsewhere in the state). In addition to CCCS, they have also been placed with the CollegeBound Foundation, which helps Baltimore City high school students, and Baltimore CASH Campaign, which will assign a ReServist to improve its low- and moderate-income clients’ financial knowledge. In time, ReServe Maryland will expand its reach to include additional nonprofits and public institutions. ReServe Maryland is funded through the Corporation for National and Community Service (AmeriCorps), the Robert W. Deutsch Foundation, the Fund for Change, the Zanvyl and Isabelle Krieger Fund, and the United Way of Central Maryland.

Helping high school students Ron Madden is one of those who has been helped by ReServe and in turn is helping a nonprofit. Madden has a wealth of professional experience, but none more important to him than the time he has spent in academia working with young men and women. So when the “let’s just say I’m a baby boomer” resident of Mt. Washington found himself facing retirement, he decided he could still be of service. Now Madden is using his professional experience and “lifetime of connections” at the Augusta Fells Savage Institute of Visual Arts in Baltimore City, where he advises high school students — many of whom have no familiarity with the college experience at all — on their future academic plans. “I love being able to use the long-lasting relationships I have developed over the years to help these students,” said Madden. “I like to see success stories.”

Recovering from a layoff Baltimore City resident Liz Smith, 60, found out about ReServe at a recent information session. Last year, Smith found herself out of work when she was laid off from her position as the director of an educational institution. Despite her strong management background, she soon realized that finding another full-time job at a comparable salary

would be “difficult, if not impossible.” “I started cobbling together several part-time jobs and when I heard about ReServe, I thought it might be a good addition to the mix,” said Smith. She was impressed by the diverse backgrounds of other prospective ReServists she met, as well as the variety of professional opportunities — from accounting to website designing — available to them. Since June, Smith has been working as a literacy advocate and credit consumer advisor at Consumer Credit Counseling Services. The job meshes well with Smith’s experience, as she spearheads a joint program between CCCS and PNC Bank to encourage successful CCCS alumni to begin contributing to a monthly savings program. Smith likes the flexibility of her hours as well as the autonomy she is given. “Everyone presumed that I already had the skill set to make this happen,” she said. “There has been zero micromanaging.”

Though Smith is new to the ReServe program, she is favorably impressed with the organization and its mission. “So many people at this age have skills they want to share, but may have difficulty finding the right place in which to serve,”

she said. “ReServe introduces willing, skilled professionals to the organizations that need those folks. It’s a terrific idea.” To learn more, visit http://www.reserveinc.org/maryland or call (410) 7061883.

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Sept. 17+

HEALTHY WEIGHT PLANNING

Howard County General Hospital will offer a free two-part course on Healthy Weight Planning and Healthy Cooking on Monday, Sept. 17 at 7 p.m. and Tuesday, Sept. 24 at 7 p.m. at the Howard County General Hospital Wellness Center at the Medical Pavilion, 10710 Charter Dr., Suite 100, Columbia. For further information, call (410) 740-7601. To register, visit www.hcgh.org.

Sept. 14+

CHAIR YOGA CLASSES

Ten-week sessions of beginning “chair yoga” classes will be held at Glenwood 50+ Center, 2400 Rte. 97 in Cooksville. The fee is $58 for the 10 weeks. Choose from three different weekly classes. Friday sessions will begin on Sept. 14; Thursday sessions will begin on Sept. 20; and Tuesday sessions will start Sept. 25. For further information or to register, call (410) 313-5440.

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Cook meats at lower temp to avoid toxins A meal made with high quality, nutrientrich lean meats is sure to stir up a healthy appetite, but add the smoke and sizzle of an outdoor grill, the pop of oil deep-frying on the stovetop, or the savory smell of browning in the broiler and it becomes outright irresistible. But is it still healthy? Maybe not, says the latest research, which suggests that how we prepare our food is at least as important as the foods we choose. And turning down the heat may save your meat dishes from accumulating toxins that pose health risks.

High-heat toxins Toxic compounds form when foods are cooked at high temperatures. The chemicals heterocyclic amines (HCAs) and polycyclic aromatic hydrocarbons (PAHs) form when muscle meat from beef, pork, poultry and fish is prepared using high temperature cooking methods such as pan-frying or direct-flame grilling. Laboratory experiments have shown these two substances to be mutagenic, causing changes in the DNA that may increase cancer risk. While these compounds cause cancer in animals, studies continue to investigate the risk of exposure to high levels in humans. HCAs and PAHs are listed as “reasonably expected to cause cancer in humans” by the U.S. Department of Health and Human Services. Another class of toxins known as advanced glycation end products (AGEs) are formed when animal proteins are cooked with sugars in the absence of water, such as in pan-frying or grilling. The chemical reaction gives certain foods the desirable “cooked” flavors and aromas that you’ve

grown to love. Absorbed into the body, AGEs have been linked to a variety of ills, including inflammation, diabetes, kidney disease and Alzheimer’s disease. A study published in the October/November 2009 issue of the Journal of Clinical Endocrinology and Metabolism found that daily AGE consumption in a standard Western diet is at least three times higher than the safe limit.

Benefits of slow cooking AGEs can be reduced by cooking methods for meats that use lower heat and moisture, such as slow-cooking or stewing, as well as avoiding processed, deepfried, or pan-fried animal proteins. Slow, moist cooking offers protection against toxic compounds, as well as other tasty and practical benefits. A long, slow simmer in a crock pot or on top of the stove breaks down tough fibers in meats, creates a tender texture, and concentrates flavors by marinating the meat in its own juices. Even the leanest and least expensive cuts will emerge tasty. And slow cooking is easy; just place meat in a pot or slow-cooker, cover with liquid and seasonings and simmer. Lower your exposure to potentially hazardous toxins such as HCAs, PAHs and AGEs with these tips: 1. Trim meat fat to reduce drips and the resulting PAH-containing flare-ups during cooking or grilling. 2. Opt for smaller, thinner meat cuts, which take less time to cook. 3. Flip meat frequently, which accelerates cooking and helps prevent HCAs from forming. 4. Marinate meats, which some re-

BEACON BITS

Sept. 24+

FREE SAMPLE FITNESS CLASSES To celebrate Active Aging Week exercise classes are being offered free for new students beginning Monday, Sept. 24 through Friday,

Sept. 28 at the Bain Center, 5470 Ruth Keeton Way, Columbia. Space is limited; to reserve call (420) 313-7213 or visit www.howardcountyaging.org.

search suggests can help reduce the formation of HCAs by well over 90 percent. 5. Avoid overcooking or charring meats. 6. Steam, boil and stew meats, to maintain water content and reduce AGEs.

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Sept. 18

SEASONAL HEALTH CHECK-UP Howard County General Hospital will offer two options for measur-

ing body chemicals at $50 or $80 per person as well as free blood pressure screening and height/weight measurements on Tuesday, Sept. 18 from 8:30 a.m. to 2 p.m. at the Medical Pavilion, 10710 Charter Dr., Suite 100, Columbia. For further information, call (410) 740-7601. To register, visit www.hcgh.org.

Heartlands: a home that touches your heart

From the daughter of our resident Mr. Dell Bean... Moving my dad to Heartlands has given my family the peace of mind to know that he is being taken care of. It gives us a real sense of relief knowing that he is eating well, having the opportunity to exercise in a safe environment, and being a part of a community. Everyone at Heartlands has opened their hearts to him and it has been really great! -Lindsey Marks

At Heartlands Ellicott City, you will find: • Cottages with updated kitchens, walk-in closet and three-season porch • On-site medical services and wellness center • State-of-the-art fitness and rehab center with indoor pool and spa

Serving the Community for over 50 years

For over 11 years Kathy Clark has been helping families with all their cemetery needs.

Call Kathy at (410) 442-5700 or (443) 804-4464 for a complimentary Simplicity Pre-Planning Guide. 2150 Mount View Road • Marriottsville, Maryland 21104

7. Keep heat low and cook meat slowly. Reprinted with permission from Environmental Nutrition, a monthly publication of Belvoir Media Group, LLC. 1-800-8295384, www.EnvironmentalNutrition.com.

• Recreational and cultural events, trips and scheduled transportation • Gazebo, patio, pond and fountain • Shopping and medical centers nearby • And more...

For a complimentary lunch and personal tour, please call Denise Giffin at (410) 461-9494

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Health Studies Page

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

THE PLACE TO LOOK FOR INFORMATION ON AREA CLINICAL TRIALS

Is forgetfulness normal or Alzheimer’s? By Carol Sorgen Do you go into a room and forget what you needed? Have you misplaced your glasses…again? Have you forgotten your kid’s telephone number? We all forget things from time to time, especially as we get older, when some degree of memory loss is common. But when is this forgetfulness just a normal part of aging, and when is it a symptom of something more serious? The Johns Hopkins Memory Center is currently conducting a study of the differences between normal aging, mild memo-

ry problems, and the onset of memory disorders like Alzheimer’s disease (AD). Volunteers are being sought, both with and without memory problems. Alzheimer’s disease is the most common form of dementia, accounting for as much as 70 percent of all cases of dementia. The earliest symptom in most patients is progressive difficulty learning and retaining new information.

Understanding Alzheimer’s With progression of the disease, symptoms of poor judgment, disorientation,

word finding problems and difficulties with spatial relationships develop. Eventually, AD affects almost all aspects of brain functioning, including personality and the ability to perform the most basic activities of daily life. Age is one of the most important risk factors for AD. The number of patients with AD doubles every 5 years beyond age 65. The underlying cause of the symptoms is the gradual loss of nerve cells in the brain, as a result of the accumulation of abnormal structures called amyloid plaques and neurofibrillary tangles. Patients with progressive memory loss should be evaluated to rule out possible treatable causes of memory loss — such as thyroid disease or vitamin deficiencies. Brain imaging and detailed examination of cognitive functions through a neuropsychological examination may be required to establish a diagnosis of AD. If a diagnosis of AD is confirmed, there are now several medications available that have been shown to ameliorate the symptoms of the disease.

Healthy volunteers needed, too People 60 years old or older, with or

without memory problems, can participate in the Memory and Aging Study at Johns Hopkins. If you decide to participate, you and a study partner will be invited to the Memory Center clinic for a two to three hour assessment, including memory testing, physical exam and blood samples. You both will be questioned about your daily functioning. You will return to the clinic once a year for an annual physical exam and memory testing. The Memory and Alzheimer’s Treatment Center, based at the Johns Hopkins Bayview Medical Campus, is a collaborative partnership between the departments of psychiatry, neurology and geriatric medicine. The Center offers patients comprehensive evaluation and innovative treatment for a range of conditions that affect cognition and memory — including Alzheimer’s disease and other dementias, traumatic brain injury, and brain vascular disease. To learn more about, or volunteer for, the memory and aging study, call Meredith McCrae at (410) 550-9021. For more information or to arrange an appointment for other services at the Memory Center, call (410) 550-6337.

BEACON BITS

Aug. 30

Cancer screenings help put you in control of your health.

Colorectal cancer kills 50,000 Americans each year. Exact Sciences is focused on detecting pre-cancer and cancer through the development of groundbreaking screening approaches. You can be part of an important research study. The Colorectal Cancer (CRC) Screening Test for the Detection of Colorectal Advanced Adenomatous Polyps and Cancer (DeeP-C) study is a multi-center clinical research study looking for men and women between the ages of 65 and 84. Qualiﬁed participants may be eligible for compensation for their time.

To learn more about participating in this study, call 410-730-3399 ext. 137

1.0 2012 0216

Brad Berger, park ranger from the National Mall and Memorial Parks, will share information and discuss famous duels in the formative years of the U.S. The talk will be held on Thursday, Aug. 30 at 12:30 p.m. at the Ellicott City Senior Center, 9401 Frederick Rd. in Ellicott City. For more information, call (410) 313-1400.

Sept. 18

Be part of an important colorectal cancer screening study.

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HISTORIC DUELS

THE INSIDE SCOOP ON THE RAVENS

Learn about the NFL and the Ravens from Monique Jones, the Baltimore Sun’s sports content editor and former Patriots’ reporter for the Boston Globe, who has covered most professional sports. The talk will take place on Tuesday, Sept. 18 at 7 p.m. at the Central Branch of the Howard County Public Libraries, 10375 Little Patuxent Parkway, Columbia. For more information, call (410) 313-7800.

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

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

CALL TODAY!

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

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Goodbye to all-metal hip replacements Government health experts say there are few reasons to continue using metalon-metal hip implants, amid growing evidence that the devices can break down early and expose patients to dangerous metallic particles. The Food and Drug Administration asked its 18-member panel to recommend guidelines for monitoring more than a halfmillion U.S. patients with metal hip replacements. The devices were originally marketed as a longer-lasting alternative to older ceramic and plastic models. But recent data from the U.K. and other foreign countries suggests they are more likely to deteriorate, exposing patients to higher levels of cobalt, chromium and other metals. While the FDA has not raised the possibility of removing the devices from the market, most panelists said there were few, if any, cases where they would recommend implanting the devices. “I do not use metal-on-metal hips, and I can see no reason to do so,” said Dr. William Rohr of Mendocino Coast District Hospital, who chaired the meeting.

For decades nearly all orthopedic implants were coated with plastic or ceramic. But in the last 10 years some surgeons began to favor all-metal implants, after laboratory tests suggested the devices would be more resistant to wear and reduce the chances of dislocation. But recent data gathered from foreign registries shows the devices fail at a higher rate than older implants. That information comes on top of nearly 17,000 reports to the FDA of problems with the implants, which sometimes require invasive surgery to replace them. The pain and inflammation reported by patients is usually caused by tiny metal particles that seep into the joint, damaging the surrounding tissue and bone. The long-term effects of elevated metal levels in the bloodstream are not clear, though some studies have suggested links to neurological and heart problems. FDA’s experts say that patients complaining of pain and other symptoms should get regular X-rays and blood testing for metal levels. However, panelists pointed out the prob-

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lems with the accuracy of blood tests and the difficulties of interpreting the results. There are no standard diagnostic kits for sale that test for chromium and other metals

For patients who are not experiencing pain, panelists said annual X-rays would be sufficient to monitor their implants. — AP

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PREVENTABLE TREATABLE BEATABLE

You Can Beat Colon Cancer. But Only If You Know You Have It. We are currently seeking volunteers for a clinical research study to evaluate a colon cancer screening test. You may qualify if you are: ■ 65-84 years old and never had a colonoscopy or ■ 65-84 years old and more than 9 years since your last colonoscopy You will be compensated $100 for your participation in this study. Thank you for considering this volunteer opportunity.

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410.964.8512

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

Don’t go overboard fighting cholesterol Dear Pharmacist: matory and a potent antioxidant. Would you elaborate on cholesterol, Shocked? Because I bet you thought it and what LDL and HDL was bad and that you should numbers mean? — C.J. get rid of this awful cholesDear C.J.: terol ASAP! There’s mass confusion; Obviously, you don’t want everyone seems to think cholevels to run amok, but there lesterol is bad. Medical auis a point where you could thorities and television comlower it excessively, and that’s mercials have convinced unhealthy. some people that the lower Well-designed studies have your LDL number, the healthirepeatedly demonstrated that er you are. cholesterol can block two difDEAR You should sit down for ferent pathways responsible PHARMACIST this: There is no such thing as for inflammation and pain, 5By Suzy Cohen “good” or “bad” cholesterol. LOX and 5-COX. For the Why would your body make record, prescribed anti-inflamsomething bad for you anyway? Choles- matories often work on those two pathterol is a strong and wonderful anti-inflam- ways, but if you have enough natural cho-

BEACON BITS

Ongoing

SUPPORT STUDENTS Hollifield Station Elementary, located at 8701 Stonehouse Dr.,

Ellicott City, seeks volunteers to support students in Grades K-5 with reinforcement activities in reading and/or math. Training will be provided. Volunteers are also needed to assist with organized physical activities and/or a walking initiative during recess. Dates and times are flexible and will begin when school starts in the fall. Contact Gwen Jones, assistant principal, at gwendolyn_jones @hcpss.org or (410) 313-2550.

lesterol, it is doing the work for you... without cramping your legs and making you weak! Yet, we commonly refer to our “bad” LDL cholesterol and our “good” HDL cholesterol. I’ve even used those terms myself because people automatically understand. But they’re silly. LDL and HDL are not even made of cholesterol! They are just fatty proteins, hence the name “lipoprotein” where “lipo” means fatty and “protein” means just that. (Stick with me, we are getting to the fun part.) LDL stands for low density lipoprotein, and HDL stands for high density lipoprotein. LDL is nothing more than a carrier molecule, a pick-up truck that shuttles cholesterol (fat) to the tissues. You don’t want too many deliveries of fat to your arteries and organs, so doctors are correct in trying to tame LDL levels. HDL removes the fat from your tissues and returns it to the liver. Excellent! That’s why you are trying to raise HDL all the time, while lowering LDL. Balance is key. Total annihilation of LDL (and cholesterol) makes your life miserable. This LDL, the “pick-up truck,” also

BEACON BITS

Sept. 8+

The Place for Memory Care

omerford Place, Howard County’s only dedicated Alzheimer’s and dementia care community, is where a full rewarding life is still possible. Here your loved one can rediscover the activities they enjoy most. ARE

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• Nurturing by caring dedicated, memory care specialists • Physical, occupational, & speech therapy on site • 24-hour on-site nursing • Safe and secure home with inside and outside walking paths

A TASTE OF LAUREL

The Laurel Historical Society’s “Tasting Laurel” program will begin with a tour of the Gorman Farms led by farm owner Dave Liker at 10 a.m. on Saturday, Sept. 8 at the Gorman Farms, 10151 Gorman Rd. in Laurel. There is no charge, but reservations are required and can be made by visiting www.laurelhistoricalsociety.org or by calling (301) 725-7975. Other events in the Tasting Laurel celebration include a talk by John Peter Thomas of the Beltsville Agricultural Research Center on October 10 at 7 p.m. at the Laurel Library, 507 Seventh St. in Laurel; and on November 4 at 1:30 p.m. “The Taste of Laurel,” featuring food prepared by local restaurants and served at the Laurel Museum, 817 Main St. in Laurel.

Making Moments Matter

shuttles nutrients and antioxidants such as vitamin E, which has anti-cancer properties. LDL helps you make steroid hormones such as pregnenolone, cortisol, DHEA, estrogen and testosterone so you can feel youthful, happy, strong and fertile and much more. I’m in your head right now, so let me tell you: Do not suddenly stop taking your cholesterol medications! Good gracious, that is not at all what I’m trying to say. Just understand that your body has a set-point where you feel healthy and strong. Control your cholesterol, but don’t chase the numbers down too low. Natural products that can help include niacin, guggul fish oils, astaxanthin and soluble fiber. Discuss changes to your medication/supplement regimen with your pharmacist and physician(s). This information is opinion only. It is not intended to treat, cure or diagnose your condition. Consult with your doctor before using any new drug or supplement. Suzy Cohen is a registered pharmacist and the author of The 24-Hour Pharmacist and Real Solutions from Head to Toe. To contact her, visit www.dearpharmacist.com.

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

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Deal with déjà vu mother-in-law problems He started to call me names in lan- ties. How do you think I should have stead of saying yes or no, her favorite Dear Solutions: word is “maybe.” My daughter, recently married, is guage that sent me into shock. He was handled this? using ever y four letter — Still Shaking It usually turns into a no, but meanhaving a hard time with her curse word I have ever Dear Still: while I can’t make plans while I wait mother-in-law. Every time heard and some I can’t reIt was not just his language that was to hear the answer she has a problem with member ever hearing! I told foul. This whole situation was foul and ac— Eve her, she calls me and tells him “Don’t speak to me in tually dangerous. When someone is in a Dear Eve: me about it, and I end up that language!” but instead hateful rage, he can become violent. You’re allowing yourself to be strung feeling very angry at her he doubled every curse and People were right. You should have left along. But “maybes” are no pearls of wismother-in-law. yelled “f—- “and “I’ll speak immediately and reported him to authori- dom, so break the string. Let this person Recently, we were both at to you in any language I ties. You cannot accomplish anything by know that you assume each maybe is realmy daughter’s for a holiwant.” confronting someone acting out this way. ly a no, so you’ll make other plans. day. Her mother-in-law was He kept yelling in a hateYou were trying to be rational by telling A firm no at least brings closure and opens very friendly and nice to SOLUTIONS ful rage. I ignored him and him to stop talking to you that way, but that up new possibilities. This person will soon me, but I was feeling cold By Helen Oxenberg, sat where I wanted because only adds fuel to the fire. Find the nearest get the message and will stop — maybe. and hostile to her. MSW, ACSW I didn’t want him to think exit and let the authorities show him that © Helen Oxenberg, 2012. Questions to be Every time my daughter he could scare me away he can’t scare people away. considered for this column may be sent to: tells me about these conThe Beacon, P.O. Box 2227, Silver Spring, flicts it brings up old feelings I had (there was no one else around at the Dear Solutions: I have a friend who never seems to MD 20915. You may also email the author about my mother-in-law when I was time). But my whole body was shaking, first married, but which changed over and people told me afterward that I be able to make a decision. Ever y at helox72@comcast.net. To inquire about should have reported him to authori- time I try to make plans with her, in- reprint rights, call (609) 655-3684. the years. I don’t know what to do. I want to be supportive to my daughter, but I feel caught in the middle. — Mom Dear Mom: Give your daughter back the title to her relationship with her mother-in-law. She has to own it and deal with it. You can’t solve these conflicts for her, and it will only make things worse if you and this woman also start having conflicts. Your own early troubles with your mother-in-law may have influenced your daughter, letting her feel that she can turn to you and you will understand. OK, now that I’ve given you a guilt trip, let go of it and assure her that things did get better between you and your mother-in-law. Tell her that if you and her mother-in-law can be friendly, then at least it adds to an atmosphere of support for this marriage. Dear Solutions: Recently, I was at the communal pool in our community. I went upstairs to an enclosed gazebo that I Regency Crest is an extraordinarily carefree community because of the have gone to for many years in order to be in shade and also do some work. convenient lifestyle enjoyed by those who live here. We go the extra mile to A man was sitting in a corner. I nodprovide our residents with distinctive amenities and service that cannot be ded hello and started to move a lounge chair to where I have always found in ordinary active adult communities. sat. He immediately started yelling at me, telling me that I shouldn’t sit where I was going to. He told me that I COMMUNITY AMENITIES was in his way (which I wasn’t) and that I was blocking space (which I • Beautiful club room with theater • Movie theater wasn’t). and demonstration kitchen

BRAND NEW APARTMENT HOMES FOR ACTIVE ADULTS 62 OR BETTER

BEACON BITS

Sept. 29

LEARN ABOUT BLACKSMITHING

The B&O Museum is highlighting blacksmithing demonstrations on Saturday, Sept. 29 from 11 a.m. to 4 p.m. at the B&O Railroad Museum Ellicott City Station, 2711 Maryland Ave., Ellicott City. Cost is $6 for adults; $5 for seniors. For further information, visit www.borail.org or call (410) 752-2490.

• Wellness center • Indoor saltwater pool • Yoga studio and classes • Cooking Classes, and many more planned activities

• Billiards room • Business center • Incredible courtyard and meditation garden with koi pond and gazebo

PLANNED ACTIVITIES SUCH AS WATER AEROBICS, RESIDENT MIXERS, COOKING CLASSES, ZUMBA, MOVIE NIGHTS, BBQ’S AND MANY MORE! Directions: We are located at the corner of Rt. 40 and Rogers Avenue.

3305 Oak West Drive Ellicott City, MD 21043

855.446.1136 www.RegencySeniorApts.com

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

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VOLUME 2, N O. 9 â&#x20AC;˘ S EPTEMBER 2012

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A Message from the Administrator

By Dayna Brown, Office on Aging Administrator

I am excited to announce that the schedule of Community Listening Forums is now set. I hope you will attend one near you, to share your thoughts about the Office on Aging and your concerns about growing older in Howard County. I think itâ&#x20AC;&#x2122;s especially appropriate that many of the sessions will be held in September, National Senior Center Month, which presents a perfect opportunity to check out our centers if you havenâ&#x20AC;&#x2122;t done so already! Howard Countyâ&#x20AC;&#x2122;s senior centers offer a wide range of classes and ongoing programs. And while arts-and-crafts classes remain popular choices, now that weâ&#x20AC;&#x2122;ve added Zumba to the ever-increasing list of fitness options, we can truly say we offer activities from A to Z. Why not come see for yourself what we are all about? Visit www.howardcountyaging.org and click on â&#x20AC;&#x2DC;Find a senior centerâ&#x20AC;&#x2122; to locate the center nearest you or â&#x20AC;&#x2DC;Online Registrationâ&#x20AC;&#x2122; to view upcoming activities. You can even register online if youâ&#x20AC;&#x2122;re already a senior center member. To join, just download and fill out a registration packet, then drop it off at the center nearest you â&#x20AC;&#x201C; membership is free. Many of you know that during the recent storms and power outages, Howard County senior centers were used as cooling centers, providing much needed relief from the heat for many residents. Did you know that September is Emergency Preparedness Month? Severe weather events like the ones we recently experienced demonstrate the need for all of us to have a family plan for emergencies. Visit www.ready.gov for all the information you need to get started, and be sure to sign up for the countyâ&#x20AC;&#x2122;s own emergency notification system at www.NotifyMeHoward.org.

+RZDUG &RXQW\ 0DU\ODQG

Medicare Prescription Enrollment Begins October 15

People who re-shop for Medicare prescription coverage each year can often save hundreds of dollars. Even if youâ&#x20AC;&#x2122;ve chosen your coverage carefully in the past, itâ&#x20AC;&#x2122;s important to check each year. Your needs can change, and insurance companies can and do change their premiums, co-pays, deductibles and lists of covered drugs. Some insurers drop out, and new ones enter the market.

The annual open enrollment period for Medicare prescription insurance (Part D) and Medicare Advantage (HMOs and other health plans) is October 15 to December 7. To make an appointment for a one-on-one review, call the Senior Health Insurance Assistance Program (SHIP) at 410-313-7392 or check www.howardcountyaging.org/SHIP for a schedule of enrollment events throughout the county.

Community Listening Forums

Share your thoughts and concerns about growing older in Howard County and the Office on Aging with Administrator Dayna Brown. Light refreshments will be offered. All are welcome. Reservations are requested but not required. Call the Center to RSVP.

The Bain Center (410-313-7213) Thursday, August 30, 9:30 to 11:30 a.m.

East Columbia 50+ Center (410-313-7680) Wednesday, September 19, noon to 2 p.m. North Laurel 50+ Center (410-313-0380) Thursday, September 20, 10 a.m. to noon Glenwood 50+ Center (410-313-5440) Friday, September 21, 9 a.m. to 11 a.m.

Elkridge Senior Center (410-313-5192) Thursday, October 4, 9 a.m. to 11 a.m.

Longwood Senior Center (410-313-7217) Wednesday, October 10, 10 a.m. to noon Ellicott City Senior Center (410-313-1400) Monday, October 15, 1 to 3 p.m.

Be a FRIEND of the 50+EXPO! Be a FRIEND of the 50+EXPO and demonstrate your support for this premier event for older adults.

FRIDAY, OCTOBER 19

2012 9 am - 4 pm Wilde Lake High School 5460 Trumpeter Road, Columbia, MD

In gratitude for your support, all â&#x20AC;&#x153;FRIENDSâ&#x20AC;? will be acknowledged at the event and will receive one preferred, reserved seat to see â&#x20AC;&#x153;The Capitol Stepsâ&#x20AC;? perform in the Jim Rouse Theatre at either the 12 NOON or 2 PM show.

Download the â&#x20AC;&#x153;FRIENDSâ&#x20AC;? flyer at www.howardcountyaging.org Complete and return to the address shown on the form. Thank you for your support and commitment! www.howardcountyaging.org

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

Coming Events

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The Senior Connection

Tuesdays, Sept. 4 through Oct. 9, 10 a.m. to 12:30 p.m. – Living Well with Diabetes, YMCA of Central Maryland, 4331 Montgomery Rd., Ellicott City Learn techniques to cope with diabetes, and exercises to improve strength, flexibility and endurance. The class and accompanying materials cost $28. To register, call Maryland Access Point (MAP) at 410-313-5980. Wednesday, September 5, 11 a.m. – Long Term Living: Covering the Cost, Kiwanis Wallas Recreation Center, 3300 Norbert’s Way, Ellicott City Long-term care costs may include in-home care, assisted living, and/or nursing home care. Senior Health Insurance Assistance Program (SHIP) reps will discuss long-term care insurance and help you consider whether to buy or not. For questions or to pre-register, call 410-313-7391. No fee.

Friday, September 7, noon to 2 p.m. – Community BBQ, Longwood Senior Center Celebrate Senior Center Month with us and enjoy a community barbecue. Call 410-313-7217 for details. Tuesday, September 11, 10 a.m. – Longevity & the Aging Process, Glenwood 50+ Center Maria Vanson, M.Ac., L.Ac. will discuss the principles of Chinese medicine based on creating and supporting a 100-year life span. Call 410-313-5440 to sign up.

Wednesday, September 12, 11 a.m. – Howard County’s Archeological History, Glenwood 50+ Center Archeologist Lee Preston will be here to discuss our county and its archeological past. Call 410-313-5440 to sign up.

Friday, September 14, 11 a.m. to 2:30 p.m. – Howard County Garden Club and Flower Show, Ellicott City Senior Center Join us as we host “September’s Charms,” the Howard County Garden Club’s Horticulture and Design Division’s annual flower show , featuring displays of annuals, perennials, bulbs, herbs, trees, shrubs and more. For information, call 410-313-1400.

Friday, September 14, 11 a.m. – Tai Sophia Presents: Herb Tasting, Glenwood 50+ Center The first in a six-week series, discover the action of herbs, based on flavor, temperature and taste. Call 410-313-5440 to sign up.

Monday, September 17, 11 a.m. – Emergency Preparedness Workshop, Longwood Senior Center September is National Emergency Preparedness Month! Come learn what you need to know to be ready for an emergency. Call 410-313-7217 to register.

Friday, September 21, 11 a.m. to 5 p.m. – Bus Trip & Crab Feast, Ellicott City Senior Center Join us for our annual Crab Feast at the Fisherman’s Inn Crab Deck in Grasonville. Cost: $65, includes bus and gratuity, plus “all you can eat” steamed crabs, spicy Maryland crab soup, chicken tenders, coleslaw, corn on the cob, hush puppies, dessert, iced tea, soda and draft beer. Call 410-313-1400 for more information.

Monday, September 17, 2:45 to 3:30 p.m. – Zumba Gold, Elkridge Senior Center Want to have fun while exercising? Try Zumba Gold, which features Zumba movements specially adapted for older adults and beginners to follow along. Cost: $40 /six week session; call 410-313-5192 to register.

Wednesday, September 19, 10 a.m. to 1 p.m. – Ravens Kickoff Tailgate Party, Elkridge Senior Center Football season is upon us, so get in the spirit and celebrate the Ravens at our tailgate party featuring food, games, music and more! It’s Purple Day, so wear your Ravens gear! Cost: $4/person; call 410313-5192 to register.

Wednesday, September 19, 11 a.m. – What to be Alert to After Signing Up for Medicare, Kiwanis-Wallas Rec Center, 3330 Norbert’s Way, Ellicott City Learn how to get the most out of your Medicare coverage and benefits, reduce problems or confusion, identify helpful resources and local medical providers, and more. Understand your on-going role in your coverage and stay informed! Sponsored by the SHIP; bring your Medicare card and we’ll laminate it! Call 410-313-7391 to register. Thursday, September 20, 9 a.m. to noon – Book & Bake Sale, Ellicott City Senior Center The Ellicott City Senior Center Council will hold a “Book & Bake Sale.” Come out and support the Council as they raise money to support center events and programs. Thursday, September 20, 11:30 a.m. to 1:30 p.m. – SPRING Luncheon: Peking Chef Have lunch with the SPRING program! Just $17.50 per person includes one of three entrées, spring roll, white rice, dessert, hot tea and gratuity. To register, contact Elaine Widom, 410313-7283 or ewidom@howardcountymd.gov by September 14.

Friday, September 21, noon – Crab Cake Luncheon, Glenwood 50+ Center Enjoy homemade large crab cake sandwiches with lettuce and tomato, coleslaw, pickles, chips, dessert and drinks. Cost: $14, to eat in or carry out. Reserve yours by calling 410-313-5440. Mondays, September 24 – November 19, 11 a.m. to noon – Gentle Yoga, Level 1, North Laurel 50+ Center Reduce stress, tone muscles, increase strength & energy with gentle yoga poses. Instructor Lisa Rados will modify moves to meet fitness level & health challenges of participants. To register, call 410-313-0380.

Wednesday, September 26, 11 a.m. to 12:30 p.m. – Senior Center Month Celebration, The Bain Center There’s a whole lot of swinging when the Goldenaires senior band rehearses at The Bain Center. Enjoy a live performance, refreshments and a special lunch. Free with a nominal lunch donation; reservations are required by September 19. Friday, September 28, 6 to 8 p.m. – Jazzing It Up at The Bain Center Join us for a live jazz performance by Dr. Phil Butts & the Sunset Band. Enjoy hors d’oeuvres and refreshments. Tickets are $5 in advance and $7 at the door.

Sunday, September 30, 3:30 to 4:30 p.m. – Focus on the Caregiver, East Columbia 50+ Center Jessica Rowe, MSW, an instructor at the University of Maryland School of Social Work who also works with Gilchrist Hospice Care, will discuss the challenges caregivers face every day and explore resources for the future. Sponsored by SPRING; light refreshments and Office on Aging resources will be available. Free; RSVP by September 27 to Karen Hull, 410-313-7466 or khull@howardcountymd.gov.

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

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

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

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Money Law &

TAXABLE RETIREMENT ACCOUNTS? To avoid a big tax bite during retirement and boost your Social Security, consider saving some money in regular investment accounts BECOME A ROTH IRA CONVERT Converting to Roth IRAs not only allows savings to grow tax free, but also avoids mandatory withdrawals and allows easy transfer to heirs

Look for earnings from spinoffs, retailers By Kathy M. Kristof There are few sure things in picking stocks. But if you want an investment that puts the odds in your favor, consider spinoffs. When big companies split into pieces, the parts often become more valuable than when they were combined. Spinoffs are rare, though. Roughly 30 companies a year announce plans to peel off a piece of their business and plunk it into the hands of shareholders in the form of newly minted shares.

Potentially lucrative spinoffs Genie Energy (symbol GNE) emerged from IDT Corp. (IDT), primarily a telecom company, last October. The small, Newark, N.J.-based company sells power to small businesses and develops shale-oil projects in Colorado and Israel. Last year, Genie earned $850,000, or 4 cents a share, on revenues of $206 million. At a share price around $7, the stock has lost 36 percent since early February. But as of the end of 2011, Genie had $102 million in cash, or $4.45 per share, and no debt. Joe Cornell, of Spin-Off Research, thinks investors are drastically undervaluing Genie’s potential. He said the shares are worth $15.75 — more than double today’s price. In some cases, the “stub” (the parent company minus the spinoff) is the more valuable piece, said John Keeley, Jr., chief investment officer at Keeley Asset Management. For example, ConocoPhillips (COP) split off Phillips 66 (PSX), its refining and chemi-

cal operations, on May 1. By doing so, Conoco rid itself of a low-profit business, and it can now concentrate on exploration and production, a segment that has historically accounted for about 80 percent of its profits. At $56 a share, ConocoPhillips sells for less than 9 times estimated 2012 profits of $6.45 per share. That’s too cheap, said Cornell, who expects the Houston-based firm to be leaner and more profitable in the future. He thinks Conoco is worth $73 a share today. If you think the sum of the parts is worth more than the whole, invest after a company has announced a spinoff but before the deal has taken place. One such opportunity lies with Kraft Foods (KFT). Later this year, it plans to jettison its grocery business. The spinoff will keep the Kraft name. The remaining company, which is expected to be called Mondelez International, will concentrate on snack foods. Mondelez will boast some $35 billion in annual sales. Breaking Kraft in two will allow the grocery company to focus on improving its profit margins, while the snack-food company can devote its attention to growth, particularly in emerging markets. Kraft shares sell for $40, or 15 times estimated 2012 earnings, but S&P Capital IQ analyst Tom Graves believes the Northfield, Ill., company will be worth $44 a share when broken in two.

High potential in retailers Both upscale and downscale retailer stocks are also worth some attention. The head-scratcher is this: Coach, the pur-

veyor of pricey purses, keeps banging out record profits at the same time that Dollar General, which appeals to price-conscious shoppers, rakes in cash hand over fist. But maybe the dynamic isn’t as contradictory as it seems. In tough times, middle-income consumers flock to discount chains. Those discounters that offer quality and good prices have seized the moment to convert normally higher-end shoppers into loyal customers. The rich, however, continue to frequent their favorite stores through upturns and downturns alike. With the economy once again looking tenuous, the resilience of retailers that cater to the outer edges of wealth has not been lost on Wall Street. Shares of Coach (symbol COH) are usually almost as pricey as the firm’s handbags. But the market’s spring plunge, triggered by concerns about economic weakness in Europe (where Coach has only a modest presence) brought the shares into reasonably priced territory. Down $20 from its late-March high, Coach, at $58, sells for 14 times estimated year-ahead earnings. Widely admired for selling stylish, wellmade goods, Coach profit margins are the envy of the industry. The company reported that earnings for the quarter that ended March 31 were up 24 percent. Coach also hiked its dividend by 33 percent in April, and its stock yields 2.0 percent. Analysts expect Coach to deliver blistering annual earnings growth of 16 percent

over the next three to five years. Jason Asaeda, an analyst with S&P Capital IQ, expects the stock to hit $85 within the next year.

Profiting from discounts Dollar General (DG), based in Goodlettsville, Tenn., operates 10,052 outlets in 40 states. The stores are usually 7,000 to 12,000 square feet — a fraction of the size of a Wal-Mart superstore. The smaller size allows the chain to set up shop in conveniently located suburban malls. Its stores specialize in food and housewares — particularly paper and cleaning products, which customers frequently replace. The company’s stock is not as cheap as the stuff on its shelves, however. At a recent $52, Dollar General sells for 19 times current-year estimated earnings. But there are plenty of suburban communities yet to be penetrated, and Joan Storms, of Wedbush Securities in Los Angeles, thinks the company’s superior growth prospects justify its above-average price-earnings ratio. Her one-year price target is close to the current share price, but with analysts projecting three- to five-year earnings growth of 18 percent a year, the stock could deliver a pleasant surprise. Kathy Kristof is a contributing editor to Kiplinger’s Personal Finance magazine. Send your questions and comments to moneypower@kiplinger.com. For more on this and similar money topics, visit www.Kiplinger.com. © 2012 Kiplinger’s Personal Finance

Prepare now for next year’s tax changes By Dave Carpenter Ready or not, big changes lie ahead for virtually every U.S. taxpayer next year. Tax cuts put into place under the Bush administration that slashed rates on wages, dividends and capital gains are set to expire at the end of 2012. The Social Security payroll tax cut enacted this year also will end, as will the exemption of millions of middle-class families from the alternative minimum tax. It behooves you to spend a little time examining your own situation ahead of time. A midyear tax review always makes sense, but more so than ever this year.

Even some basic housekeeping and preparations for the tax overhaul in Washington can save money and help you avoid end-of-the-year angst over the inevitable 11th-hour congressional tussle over what to do next.

Do a financial checkup A simple do-it-yourself checkup can be performed in less than an hour. All you really need is your June 30 pay stub and your 2011 tax return. Start by multiplying your year-to-date earnings by two to get an estimate of 2012 income and compare it to last year’s final

figure. The goal is to have a better idea of how your tax situation will look next year at tax time, said Mark Steber, chief tax officer for Jackson Hewitt Tax Services. Do the same with your withholding. The IRS recommends reviewing your withholding during the year to make sure it’s in line with what your tax liability is likely to be. There’s a withholding calculator on its website, www.irs.gov. You may wish to tweak the amount you withhold if it looks like you might either owe money or appear headed for an unwisely large refund. Now review what might have changed this year. Do you have a new family mem-

ber? Did one move out? Did you change jobs or move? Get married or divorced? Consulting with a tax professional would be the most reliable way to figure out the impact of such changes. But you should be able to get at least a sense on your own of where you stand at this point. While you’re at it, take a look at your savings and any 401(k), IRA or Roth IRA that you have. Will you be able to maximize your 2012 contributions? Make sure you’re at least contributing enough to get the company match in your 401(k). See TAXES, page 19

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

Taxes From page 18 And keep an eye on your medical reimbursement account, if you have one, to make sure you’re taking full advantage. “With several months remaining in the year, there are still opportunities to lower your 2012 tax liability via withholding changes, increase in charitable contributions, retirement savings and more,” said Kathy Pickering, executive director of the Tax Institute at H&R Block.

Changes to expect So many changes are being discussed for next year that the natural tendency is to wait until they’re all final before sorting it all out. But tax experts say you could leave tax savings on the table if you don’t do some planning ahead of time. Without trying to forecast outcomes, one good step to take now is to identify and start following a reliable resource or two for tax information — IRS.gov, a blog, a columnist, a favorite financial site. Then as the changes take shape, you can act quickly. Here are some of the biggest changes brewing and some planning considerations to take into account: • Payroll tax. A temporary payroll tax cut that has been of benefit to nearly every wage earner in 2011 and 2012 is set to expire, costing the average family an additional $1,000 a year. “People should think about how they’re going to budget with a smaller paycheck next year,” said Elda Di Re, partner in Ernst & Young’s personal finance services group. • Capital gains. Without congressional action, the capital gains tax will rise to 20 percent from 15 percent. Anyone considering an action that will trigger a major capital gain, such as selling stock or a vacation home, may want to consult with a professional about the potential difference between closing a transaction this year and next. • Dividends. The tax on dividends will go from the current 15 percent to your individual tax rate, meaning as high as 39.6 percent for upper-income taxpayers. Higher tax rates might make dividend stocks that you are considering adding to your portfolio less appealing, although it

doesn’t necessarily mean selling ones you already own. • Medicare. Millions of wealthy taxpayers face tax increases related to Medicare. High-income individuals would pay a surtax of another 0.9 percentage points on earned income over $200,000, or $250,000 for married couples. High-income households also face a new 3.8 percent tax on investment income. Congress approved that tax to help finance the healthcare overhaul. • Alternative minimum tax. The alternative minimum tax typically has affected taxpayers making more than $200,000, thanks to so-called “patches” that have annually exempted middle-income families. Unless extended retroactively, the AMT patch already has expired for 2012, reducing exemption amounts precipitously. It’s worth checking with a financial adviser to see how much you might be subject to under this complicated law, which targeted loopholes used by wealthy taxpayers when it was created in 1969 but has been changing in scope. • Estate tax. The estate tax rate would rise to 55 percent from the current 35 percent, and the exemption level would fall to $1 million from $5 million, subjecting many more estates to it. If you have a large estate and want to remove some taxable assets from it, this might be a good year to do any planned gifting, said Mark Luscombe, principal federal tax analyst for the CCH consulting firm. • Tax breaks. Dozens of other tax credits and deductions that are routinely renewed each year already expired at the end of 2011. If Congress fails to act, individuals would lose federal tax breaks for paying local sales taxes, buying energy efficient appliances and using mass transit, among others. The big picture is there are no clear answers at the moment. But if you believe tax increases are on the way for 2013, it may be prudent to accelerate income and postpone deductions this year, said Luscombe. While this is the reverse of the usual tax strategy, it makes sense when someone is headed for a higher tax bracket the following year. Besides selling assets that would result in a capital gain, ways to accelerate income include converting a traditional IRA to a

Roth IRA, and taking distributions from an IRA or retirement plan, so long as it won’t result in an early withdrawal penalty. Postponing deductions could mean wait-

Aug. 28+

CRIME PREVENTION TALKS

Longwood Senior Center has scheduled an officer from the Longreach Police Office to discuss community safety and crime prevention in a free program on Tuesday, Aug. 28 at 11:30 a.m. Officer Holly Burnham and Lila Boor from Howard County’s Office of Consumer Affairs will share information on community safety, fraud and theft on Wednesday, Aug. 29 at 1 p.m. The center is located at 6150 Foreland Garth in Columbia. For additional information, call (410) 313-7217.

AARP SAFE DRIVER COURSE SET

Aug. 31

Learn proven safety strategies behind the wheel in this class designed for the 50-plus set with possibility of a discount on car insurance upon completion of the course. The class will meet on Friday, Aug. 31 from 10 a.m. to 2 p.m. at the East Columbia 50+ Center, 6600 Cradlerock Way, Columbia. Cost is $12 for AARP members, $14 for non-members. For further information, call (410) 313-7680.

HAVE YOU SUFFERED SUBSTANTIAL LOSSES IN YOUR INVESTMENT OR RETIREMENT ACCOUNTS? State and Federal Laws Protect Investors Against Negligent, Unsuitable, Fraudulent, or Illegal Conduct by Stockbrokers/ Financial Advisors, Financial Planners, and Other Financial Professionals. Wronged Investors Have the Right to Seek Restitution for Losses Caused by such Misconduct. Contact the Law Firm of West & Gaarder, LLC by Calling 410-296-4655 or by Visiting our Website at www.westgaarder.com to Arrange a FREE/No Obligation Initial Consultation

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

The case for taxable retirement accounts A reader named Dale wrote in about an interesting tax situation that can arise during retirement. While he was working, he dutifully saved as much as he could in his 401(k), thinking that he would benefit from being in a lower tax bracket when he retired. When he did in fact retire, most of his assets were held in some type of tax deferred account, with limited assets outside of retirement accounts. What Dale didn’t realize was that when he turned 70 1/2 and was forced to take Required Minimum Distributions (RMDs), his tax bracket increased, and all of the sudden, it was no longer the rock-bottom tax bracket that he had anticipated. Dale says the tax hit that occurred in his 70s “effectively offset the advantage of the

savings in the earning years. ... I would not, knowing what I know now, have put so much of my savings in a tax-deferred account.”

Big Social Security tax bite Taxation of Social Security and other retirement benefits is commonly overlooked when planning for retirement. Many people must pay federal income taxes on their Social Security benefits. For example, if you have other substantial income in retirement — such as wages, selfemployment income, interest, dividends or RMDs from retirement accounts — Uncle Sam may come for a cut of your benefits. While no one pays federal income tax on more than 85 percent of his or her Social Security benefits, the tax rates can be pret-

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ty steep. The IRS levies the tax based on good rule of thumb is to have money for at your combined income, which is the total least one to two years of expenses available of your adjusted gross income in a savings or checking account, a money market fund, or plus nontaxable interest, plus short-term CDs. (To find the half of your Social Security best rates on these types of acbenefits. counts, go to www.depositacThe rules say that if you file counts.com.) a federal tax return as an indiBeyond addressing shortvidual and your combined interm cash flow needs, saving come is $25,000 to $34,000, you in non-retirement accounts may have to pay tax on up to 50 may allow you to boost your percent of your benefits. If your combined income is more than RETIRE SMART retirement income. How? If you can use your non-retire$34,000, up to 85 percent of By Jill Schlesinger ment savings to cover your exyour benefits may be taxable. If you file a joint return, and you and penses early in retirement, you could potenyour spouse have a combined income that tially delay claiming Social Security benefits. is $32,000 to $44,000, you may have to pay While retirees can claim Social Security tax on up to 50 percent of your benefits. If as early as 62, waiting can pay big dividends. your combined income is more than If you can hold off until your full retirement $44,000, up to 85 percent of your benefits age — or even better, until age 70 when Social Security maxes out — you can boost may be taxable In Dale’s case, the tax on his Social Secu- benefits by an extra 8 percent for each full rity was minimal when he first retired be- year that you delay receiving benefits. Of course, you should maximize any cause he had little income. But when he began taking his RMDs, his tax rate jumped employer matching and still use retireand he ended up paying a 27 percent tax ment plans as a core component of your savings plan. But be sure to create a broadrate on all of his incremental income. er strategy that incorporates your potential Non-retirement accounts can help future tax bill, as well as the best way to One way to manage this potential future tax maximize your Social Security benefits. is to do something that is rarely discussed: Jill Schlesinger, CFP, is the editor-at large save money in a non-retirement account. I for www.CBSMoneyWatch.com. She covers know this may seem antithetical to most re- the economy, markets, investing or anything tirement planning strategies, but there are else with a dollar sign on her podcast and many advantages to keeping a portion of sav- blog, Jill on Money, as well as on television ings outside of tax-deferred accounts. and radio. She welcomes comments and First of all, it is important to have accessi- questions at askjill@moneywatch.com. ble savings, especially early in retirement. A © 2012 Tribune Media Services, Inc.

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Roth IRAs can benefit retirees and heirs There are serious reasons to consider singly), you cannot make contributions. In a financial emergency, you can withsaving money in a Roth IRA. Not only draw invested funds from does this vehicle provide you your Roth at any time tax-free with tax savings during your and without penalty. Funds retirement years; it also offers withdrawn from a Roth exsignificant advantages to your ceeding your contributions beneficiaries. are taxable, and if you are Many people choose not to younger than 59 1/2 there is a use a Roth because there is no 10 percent penalty. up-front tax advantage. Unlike In a traditional IRA, by concontributions made to a traditrast, all funds withdrawn tional IRA, Roth contributions prior to age 59 1/2 are taxcannot be deducted from your THE SAVINGS able and in most cases incur a taxable income. However, the GAME 10 percent penalty, regardlong-term tax benefits of a Roth By Elliot Raphaelson less of how long the funds IRA far outweigh this disadvanwere invested. Once you reach age 70 1/2, tage for most savers. One major advantage is that all of your the IRS requires that you make mandatory earnings within a Roth IRA are completely withdrawals from your traditional IRA. Each year, the amount that you must tax free once you reach age 59 1/2, if the funds that earned them have been invest- withdraw increases on a percentage basis. Many retirees are forced to withdraw more ed for at least five years. This alone can save you thousands of than they would like to. There are two disadvantages to these dollars over similar investments held in a traditional IRA. The earlier in life you open requirements: 1) Once you withdraw the a Roth IRA (or convert a traditional IRA to funds, you have to pay ordinary income a Roth), the greater the tax advantage at taxes on the amount of your withdrawal. 2) You no longer have the advantage of tax retirement. deferral. [See also “The case for taxable retirement accounts,” on page 27, which deKnow the Roth rules There are income limits for Roth eligibility. scribes another disadvantage.] Individuals under age 50 who file a joint return can contribute up to $5,000 of their Many Roth benefits By contrast, no withdrawals are reearned income into a Roth as long as their adjusted gross income is less than $173,000. quired with a Roth IRA, even after age 70 For single filers, the adjusted gross income 1/2. That gives investors with some or all must be less than $110,000. (Individuals 50 of their retirement funds in a Roth a signifand older within these parameters can con- icant advantage. You may convert funds in your regular tribute up to $6,000.) If your adjusted gross income exceeds IRA to a Roth, regardless of income, and those numbers, you may be able to make there are no limits for amounts converted. smaller contributions to a Roth IRA. But if it Here’s the catch: The amount you convert is more than $183,000 jointly (or $125,000 is taxable at ordinary income tax rates in

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the year of your conversion. Thanks to a Roth conversion, I have avoided having to withdraw more funds from my regular IRA than I want to. Most major mutual funds, including Vanguard, have tools on their websites to help you determine whether it is worthwhile to convert your regular IRA to a Roth. (Another useful calculator can be found at www.calcxml.com/do/qua04.) Another advantage of a Roth IRA over a traditional one is that you can continue to make contributions after age 70 1/2. I invest my income from part-time employment in my Roth account. The IRS requires that I make mandatory withdrawals from my regular IRA and rollover IRA accounts. I use these withdrawals for normal expenses. That is one reason why I can afford to save my current earned income in a Roth account. I know

many individuals over 70 1/2 with earned income, and I encourage them to use a Roth for whatever amount of their earnings they don’t need for expenses. Finally, Roth IRAs are a great deal for your beneficiaries, as there are no penalties for distributions to heirs. Your surviving spouse has complete flexibility regarding withdrawals. Other beneficiaries can stretch tax-free distributions over their lifetime, continuing to benefit from years of tax deferral. Just make sure your accounts are titled properly. For a great guide, read Ed Slott’s book, Your Complete Retirement Road Map. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. © 2012 Elliot Raphaelson. All rights reserved. Distributed by Tribune Media Services, Inc.

BEACON BITS

Sept. 17

NETWORKING EVENT The American Association of University Women Howard County is hosting a networking event focusing on promoting one’s own busi-

ness on Monday, Sept. 17 from 5 to 7 p.m. at Union Jack’s Pub, 10400 Little Patuxent Pkwy., Columbia. A pre-registration (required by Sept. 12) can be obtained for $15 by emailing AAUWHowardCounty@gmail.com or by calling (410) 740-4276.

Sept. 7

NOMINATE A STELLAR VOLUNTEER Nominations for Howard County’s 2012 Volunteer of the Year are due on Friday, Sept. 7. The award recognizes both individuals and groups

that have demonstrated commitment and dedication to the Howard County community. Nomination forms are available online at www.howardcountymd.gov/voy.html. For further information, visit the site or call the county’s Office of Public Information at (410) 313-2023.

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Travel

Leisure &

How to find fall travel bargains. See story on page 25.

New Hampshire’s lakes, looms and loons quite laid back and you needn’t do your own digging. In fact, southern New Hampshire offers enough pleasant diversions to fill a relaxing week or two.

Manchester, mills and more

Strategically perched on the banks of the mighty Merrimack River, Manchester, the largest city (106,000 people), promotes both its industrial past and its re-invention. The Amoskeag Manufacturing Company dominated the city from 1831 to 1935, when it closed. At its height, 64 mill buildings stretched along both sides of the river for a mile and a half. It was the world’s largest single millyard, bustling with 700,000 spindles and 23,000 looms that rolled out four million yards of cloth weekly. Amoskeag was famous for denims, used in the first patented riveted jeans made by Levi Strauss in 1873. Many of the vintage red brick mill structures from that era still stand, though today they house museums, apartments and businesses. Known as “the city that would not die,” Manchester has reinvented with new entrepreneurs, such as Velcro Brand fasteners, which is headquartered in Manchester. Pick up the walking tour booklet at the Chamber of Commerce and explore the millyard area, including an example of 19th century worker housing, the Mill Girl sculpture, and the Millyard Museum recalling Amoskeag’s glory days (www.manchesterhistoric.org). A video at the museum recounts the millworkers’ grueling, 12hour day in a deafening room with looms throbbing and shuttles bouncing. The See Science A boy and his grandfather visit the beach on the shore of Center is a must-see Lake Winnipesaukee, the largest lake in New Hampshire. for the massive, one-

PHOTO BY NHDTTD/DAVE SHAFER

By Glenda C. Booth Flying out of Manchester, New Hampshire, after our recent visit, my middle-aged seatmate urged me to return to her native state soon, bragging that people from New Hampshire are hardy and resourceful. “We’re not from Massachusetts,” she boasted. “I could dig my own latrine if I needed to.” Hardy is right. New Hampshirites often cite the state’s motto, “Live free or die,” coined by General John Stark, the victor at the Battle of Bennington. Motorcyclists are “free” of helmet laws. Residents are “free” of sales and state income taxes. A Massachusetts neighbor likes New Hampshire because you can buy “serious fireworks” in the state. New Hampshirites’ rugged individualism is symbolized by the state’s 48 jagged peaks over 4,000 feet in height, and the highest peak in the northeastern U.S. — Mount Washington at 6,288 feet. It’s not just the geology that gave it the name, the Granite State; it’s also gritty stoicism, say natives. For visitors, however, the pace here is

The city of Portsmouth hugs part of New Hampshire’s short ocean shoreline. Portsmouth has preserved its colonial architecture and maritime heritage.

of-a-kind, three-million-piece Lego replica of the millworks. It gives an excellent bird’s-eye view of the mill town at its height in 1900. The display is the largest permanent Lego installation at a mini-figure scale in the world. Building it took 200 meticulous volunteers 10,000 hours and the involvement of two master Lego builders. The Currier Museum of Art is the state’s largest fine art museum, well worth a few hours to appreciate its 12,000 American and European works of art including works by Picasso, Winslow Homer, Monet, O’Keefe, and an extensive glass collection. The Currier runs tours to the Zimmerman House, the only Frank Lloyd Wright house in New England open to the public. Low-slung and 1,700-square-feet in size, the early 1950s house resembles a park restroom building, some say. It is one of Wright’s very functional, Usonian-style houses, striking for its square motif throughout and repeated geometry. Wright also designed the garden, furniture and the mailbox. Locals jealously protect the state’s role as host of the earliest U.S. presidential primary every four years. “It’s insanity around here,” said Charlene Courte-

manche of the Manchester Chamber of Commerce. “People are wall to wall,” and we “can easily bump into national television commentators like Diane Sawyer walking down the street.” So you won’t want to leave Manchester without a counter encounter at the Red Arrow Diner, 61 Lowell St. — a favorite of presidential aspirants. “Every politician has been here,” said Courtemanche. Pictures of most of them cover the walls. Accustomed to close, person-to-person politics, locals are likely to chat with you as you chomp down on the diner’s succulent pork pie with gravy, a French-Canadian dish. Top off your meal with a homemade Twinkie. If it’s your first time there, they’ll make it known to all and you can leave wearing a sticker proclaiming, “I’ve been de-virginized at the Red Arrow Diner.” Lala’s, a family run restaurant at 836 Elm St., has a homey Old World feel, with cuisine like beet salad, tripe soup, goulash and stuffed cabbage, all from family recipes. Laslislau Lala fled communism in Hungary in 1990 and chose Manchester because he loves England’s Manchester United soccer team. “I had never heard of New Hampshire,” he confessed. See NEW HAMPSHIRE, page 24

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New Hampshire From page 23

Stately Concord, loony lakes Twenty minutes north of Manchester is the tidy town of Concord, the state capital, worth a day or two of exploring. The golddomed state house made of local granite has both guided and self-guided tours. The Christa McAuliffe Planetarium, named for the Concord teacher who perished in the 1986 space shuttle Challenger disaster, is a popular Concord stop for studying celestial bodies. At the New Hampshire Historical Society museum, you can climb a fire tower and learn about the state’s heroes, like Robert Frost and President Franklin Pierce. Longing for the haunting call of the loon? The state has 273 lakes and ponds, covering one-sixteenth of its area. The lakes region is within an hour of the north side of Manchester. Popular spots include the 72-square-mile Lake Winnipesaukee, the largest in the state; Squam Lake, near Holderness or Center Harbor, where On Golden Pond was filmed; and Newfound Lake, near Bristol, fed by eight springs and featuring 22 miles of shoreline. Visit www.lakesregion.org for

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

lodging, travel packages and events. New Hampshire has 92 state parks, offering a range of natural, recreational and historical resources. Visit www.nhstateparks.org. Loons are lionized in the Granite State. There’s a loon appreciation day, and volunteers conduct a loon census every July, followed by the Loon Festival in Moultonborough. Keep your ears peeled for their yodel.

By the sea The crown of the state’s 18-mile coastline is the hilly but walkable city of Portsmouth (population 21,000). It’s anchored by colonial buildings, waterside restaurants and shops, and imagery of the city’s 300-year maritime heritage. Long a working port town, Portsmouth has an active waterfront and has preserved its historic architecture. Stop by the Chamber of Commerce at 500 Market St. for maps and materials. Costumed guides lead visitors through the 10-acre Strawberry Banke Museum, consisting of 43 carefully-restored buildings dating from 1600 to the present, including homes of wealthy shipbuilders. You may see barrel-making by coopers and cooking with herbs. Escape your landlubber mode and go to

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sea. Try a harbor cruise on various kinds of boats (including a tugboat) and check out the lighthouses, forts and mansions. Explore the Navy’s U.S.S. Albacore, a research submarine with a teardrop hull, retired in 1972. You can pig out seaside on New England specialties like crispy fried clams and lobster rolls at the River House, watching as ships and tugboats pass. And if you really want to “go native,” drive over the bridge to Maine for Bob’s Clamhut in Kittery, featured on the Food Network and famous for a visit by Jimmy Buffet. New Hampshire has the shortest coastline of any ocean-bordering state in the countr y, but it makes the most of it. Hampton Beach is the state’s beach destination, crammed with clam shacks, honkytonk dives, arcades, sunbathers and revelers. Want to splurge? Don’t miss the restored Wentworth-by-the-Sea (www.wentworth.com), a historic, ocean-front resort offering a classic, grand, old New England hotel experience, modernized by a pool, spa and much recreation.

Fall festivals and more New Hampshire enthusiasts tout fall as the best time to visit the state, when the daytime temperatures are in the 60s, the foliage is radiant, fruits ripen, and farmers’ markets bulge with summer’s bounty. There are craft festivals, chicken pie

suppers, sidewalk sales, scarecrow contests, and NASCAR races in Loudon, 14 miles northeast of Concord. Manchester has a chili festival. Portsmouth has arts walks, a Brew Fest and a chili cookoff. For fall agricultural fairs, visit www.visitnh.gov/4-seasons/fallharvest/agricultural-fairs.aspx. Check out the “foliage tracker” www.visitnh.gov/foliage which has a color key from green to peak to faded red. For suggestions of scenic rides, including train rides, visit www.visitnh.gov/what-todo/scenic-drives.

If you go The simplest, quickest way to visit southern New Hampshire is to fly to Manchester (www.flymanchester.com) and rent a car. Southwest flies to Manchester from BWI Marshall for as little as $138 round trip. Information on New Hampshire and various cities can be found at the following websites: • New Hampshire, www.visitnh.gov; events, www.visitnh.gov/what-to-do/eventcalendar.aspx • Manchester, www.manchester-chamber.org; www.intownmanchester.com • Portsmouth, www.portsmouthchamber.org; www.goportsmouth.com • Concord, www.concordnhchamber.com Glenda C. Booth is a freelance writer in Alexandria, Va.

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

Best U.S. and foreign deals on fall travel In spring and fall fewer tourists venture out, and airfares and hotel rates drop with decreased demand. Plus, you’ll be able to enjoy popular attractions with more room to roam. • London calls in April or October, when the weather is mild and sites are less crowded. And this year’s Anglo autumn, suffering from post-Jubilee and postOlympics withdrawal, may offer even bigger bargains than usual. • Hit the Colorado slopes in April or November for huge savings. At the Village at Breckenridge Resort in early November, you’ll pay less than half the cost to stay during the fringe of ski season than for a Christmas visit. And even if the powder isn’t prime, you can enjoy other area activities, such as golfing, mountain biking, horseback riding and hot-air-balloon rides. • Head to Aruba in April or September to get away from it all for less. The threat of hurricanes blows visiting crowds far from the Caribbean in late summer and early fall. But Aruba and the southernmost islands are a safe distance from most storms. • Cruise from Alaska to Hawaii in September, when ships need to relocate for the season. You can hop aboard such “repositioning” cruises at deeply discounted rates. You’ll have to pay for the one-way flights to your departure port and from the arrival port.

$2,560 when booked separately. But in a package the price drops $653, to $1,907. • Bonjour, bargains. Expedia.com offers a discounted autumn stay in Paris, with five nights in the four-star Courtyard by Marriott Paris Defense West-Colombes. The package includes two round-trip tickets from Chicago by way of Dublin. If booked separately, the visit would cost $2,919; booking flight and hotel together costs $2,190, for a savings of $729. • Say aloha to savings. A Hawaiian vacation booked on Travelocity.com includes two round-trip flights between the Washington, D.C., area and Honolulu and eight nights at the four-star Aqua Waikiki Wave in Waikiki. Booked separately, the trip would cost about $3,440. Bundled, it goes for $2,258 — saving you $1,182. • Domo arigato for discounted deals. On Orbitz.com, you get two round-trip

tickets from San Francisco to Tokyo and six nights at the four-star Hotel Niwa Tokyo in October. The package costs $2,769, or $222 less than booking airfare

BEACON BITS

Sept. 6

FELLS POINT AND BERTHA’S MUSSELS

The Department of Recreation & Parks is inviting seniors to join a bus trip to Fells Point and a lunch at Bertha’s Restaurant in Baltimore. The bus leaves on Thursday, Sept. 6 at 9 a.m. and returns at 3 p.m. Cost of the trip is $65.To register or for additional information, call (410) 3137279 or (410) 313-7275.

Sept. 12

NATIONAL PRESS CLUB TOUR AND BUFFET

A bus trip sponsored by the Department of Parks & Recreation includes a docent-led tour of the historic Washington, D.C. club and a luncheon buffet on Wednesday Sept. 12 from 9 a.m. to 3 p.m. Fee is $69. To register or for additional information, call (410) 313-7279 or (410) 313-7275.

Package deals A package that combines airfare and hotel can also trim your costs. • Save mucho dinero. Extend summer into fall by flying south to the Dominican Republic in October. On CheapCaribbean.com, we found a deal for two round-trip tickets between Austin, Tex., and Punta Cana (which is rarely hit hard by hurricanes) and a sixnight stay at the three-star Barceló Dominican Beach hotel. Airfare and hotel cost

BEACON BITS

Sept. 14

TRIP FEATURES DAY ON THE CHOPTANK

A lunchtime cruise on a paddle-wheel river boat is the focal point of the Department of Parks & Recreation’s bus trip on Friday, Sept. 14, leaving at 9 a.m. and returning at 5 p.m. Fee is $84. To register or for additional information, call (410) 313-7279 or (410) 313-7275.

Sept. 21

EASTERN SHORE CRAB FEAST BUS TRIP

An all-you-can-eat crab feast at Fisherman’s Inn Crab Deck in Grasonville is the destination for the bus leaving from the Glenwood 50+ Center on Friday, Sept. 21 at 11 a.m. and returning at 5 p.m. The $65 per person fee includes bus, crab feast and gratuity. To sign up or for more information, visit the Glenwood 50+ Center at 2400 Rte. 97, Cooksville or call (410) 313-5440.

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Style Arts &

Bob Levey reminisces about the great advertising slogans of yesteryear. See his column on page 27.

Candlelight Concerts celebrate 40 years

Recognized nationally What began as chamber concerts arranged and performed in 1972 by three music teachers — Virginia Stiegler, Olga Brunner and Ann Flacavento — at the Glenelg Country School has grown into a na-

tionally recognized presenter of the classics in a chamber music setting and promoter of the arts for elementary school children. The society’s first budget back in 1975, when the current operation was put in place as a nonprofit by volunteer classical music lovers from the community, was $4,000, said board president Phil Press, the founding treasurer of the group. Local musicians were on the bill. How has the society grown since then? “Our next year’s budget,” Press answered, “will be over $200,000” to attract the international artists of the chamber music world. Much of the credit for the growth, Press said, should go to the society’s first and longtime president, the late Norman Winkler, and to his wife Nancy. The current Candlelight season is being dedicated to the Winklers, he said. While some 40 percent of the budget comes from individual donors and ticket sales, the Howard County Arts Council offers generous yearly grants, as does the Maryland State Arts Council and the Columbia Foundation, while community businesses also chip in. The Columbia Association, the city’s

PHOTO BY ELI AKERSTEIN

By Robert Friedman Light forty candles for the Candlelight Concert Society. This coming season, which gets underway Oct. 20, the society will celebrate four decades of bringing outstanding chamber music concerts to classical music lovers in Columbia. The society has managed over the years to attract to Howard County such stellar artists and groups as cellist Yo-Yo Ma, mezzo-soprano Marilyn Horne, pianist Billy Taylor, the Eroica Trio, the Emerson String Quartet and the Berlin Philharmonic Wind Quintet. Its original four-concert season has been expanded to eight programs. Performances for children, an outreach program for special groups, master classes, and pre-concert lectures and discussions also are regular features of each season.

The Borromeo Quartet opens the Candlelight Concert Society’s 40th season on Oct. 20 using Macbook laptops instead of sheet music. The program includes Bach, Schubert and Arab-American composer Mohammed Fairouz.

quasi-governmental operation, tried sponsoring the concerts all by itself in 1974, but pulled out after only one year when it lost too many thousands of dollars for its governing board. Press noted that chamber music societies are seldom successful except in really large cities, like New York or Chicago, or in college towns where universities back the groups. But the population of Howard County, and specifically Columbia, is something else. “With its founding ideals, Columbia has attracted intelligent people with cultural in-

terests,” he said, noting, among other volunteer community arts organizations, the Howard County Poetry and Literary Society, and the Pro-Cantare choral group. Press pointed to the society’s performing arts series for elementary school students as a significant part of each season. Started in 1976, the series, featuring not only music, but puppetry, mime, theater and dance performances, is meant to spark in young hearts a lifelong passion for the performing arts. See CONCERTS, page 28

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Catchy advertising slogans still resonate It was a casual social gathering — little By the way, the company never revealed old me and four people young enough to what was wrong with the “other” 56/100ths of a percent. There’s a lesson be my grandchildren. here — keep ‘em talking, keep One youngster made a ‘em guessing, keep your prodgreat point about something uct in the fronts of brains. or other. I raised a glass in his “Leave the Driving to honor. Us” — Greyhound dominated “Hey, you’re really feeling the bus market for decades by your Cheerios today,” I deappealing to our frustrations clared. about traffic. Today, interstate Blank looks all around. buses emphasize low prices. “You know, the famous ad No quarrel with that. But if I slogan for the famous cereal,” HOW I SEE IT can settle back with my book I offered. By Bob Levey and not have to worry about More blank looks. “You mean you don’t know the slogan?” that fool who’s tailgating me at 70 miles an hour — well, that’s persuasive. I sputtered. “You’ll Wonder Where the Yellow Obviously, they didn’t. Obviously, I was hopelessly trapped in the slogans of the past. Went When You Brush Your Teeth Thanks to the four young people for not With Pepsodent” — Cigarette smoking pitying or patronizing me. In fact, one al- was much more prevalent half a century lowed as how feeling-your-Cheerios is a ago, so yellow teeth were, too. Pepsodent pretty clever slogan, and maybe today’s ce- didn’t mince words. Its sales reflected the reals would soon come up with something success of that strategy. By the way, for you poets out there, note the lilt of this sloas catchy. I doubt it very much. In fact, I doubt that gan. It balances nicely. It walks ahead we will ever do as well as we did Way Back smartly. And these words were set to a When, when Cheerios were felt, when catchy jingle. We oldsters are still apt to Wheaties was the breakfast of champions, hum it on request. “You Can Trust Your Car to the when you could (and did) see the U.S.A. in Men Who Wear the Star” — When’s your Chevrolet. Say what you will about modern com- the last time you saw “car repair” and merce — that there’s much more of it, that “trust” in the same sentence? Texaco knew it makes much more money, that its how to take consumer anxieties and turn brands are just as famous as the top them into assets. “Only You Can Prevent Forest brands of the 1950s. I say that the Microsofts and Facebooks Fires” — Not clear if this slogan worked and Googles have done zero in the slogan because of the words or because of the Smokey Bear who uttered them. But I’m department. More’s the pity. Ah, the lessons that the 21st Century voting words. They appealed to our better could learn from the slogans of the mid-20th. nature. Always the best approach. “We Try Harder” — Avis, the famous “The Pause that Refreshes” — Coca-Cola made zillions from this one in Number Two car rental company, got withthe 1950s. It’s brilliant. Not only does in spitting distance of Big Bad Hertz with everyone want to be refreshed, but how this gem. Simple, pithy, sincere. “I’d Walk a Mile for a Camel” — welcome it would be to take a pause in the process. Nowadays, refreshment means When a cigarette is named for an obscure grabbing a carry-out latte at Starbucks and animal, any ad campaign is going to be a bit desperate. Camel found a way to make never taking a pause at all. “A Little Dab’ll Do Ya” — Rolls right its mascot an asset. Camels wander for off the tongue, doesn’t it? And how very miles in the desert. So why shouldn’t subtle it was. If you could attract one Camel smokers wander miles to acquire young lady with a little dab of Brylcreem Camels? The campaign was just wacky hair tonic, think of what lay in store if you enough to help make Camel America’s applied two dabs. Sales soared, even if so- best-selling brand for more than 30 years. “Purity, Body and Flavor” — This cial lives may not have. “Good to the Last Drop” — Maxwell one seemed a little clunky 50 years ago, House knew that coffee is meant to be sa- and it seems even clunkier now. But Balvored. Anyone can do a good first drop. But lantine Beer rose from one of many regionif you want to win the race, stay in it until al brands in New York City to the dominant label. Here’s one way to describe that the cup is empty. MH did. “99 And 44/100ths Percent Pure” — success: Clunkiness Clicks. And my favorite….. “Better Living Ivory Snow had many times the sales of other detergents half a century ago because Through Chemistry” — Dupont also it told the truth. Today, detergents scream made a much better living thanks to this that they are perfect. Ivory Snow knew bet- slogan. Positive, direct, it showed that the ter — and they knew that we knew better. nerdiness of chemistry can bring good

things to your kitchen, your home and your life. A classic, even though pot-smokers snickeringly hijacked it in the 1960s. My young friends pointed out that many great slogans have been born in recent years. We made a list: “A Diamond is Forever.” “Don’t Leave Home Without It.” “We’ll Leave the Light on for You.” “I’ve Fallen and I Can’t Get Up.” “Where’s the Beef?” “What Happens in Vegas Stays in

Vegas.” And the always smile-producing “Virginia is for Lovers,” and Maryland’s retort, “Maryland is for Crabs.” But my money — and my memories — still gravitate toward a little circular piece of cereal. Thank you, Cheerios, for all these years of full tummies and well-nourished bodies. And for the chance to teach a great slogan to the hand-held generation. Bob Levey is a national award-winning columnist.

Columbia Pro Cantare COLUMBIA PRO CANTARE 36th SEASON FRANCES MOTYCA DAWSON, CONDUCTOR October 27, 2012, 8 pm – ORFF: CARMINA BURANA – Jim Rouse Theatre Tickets: Advance $23 Adults; $20 Seniors/Students; $2 more At Door; Group discounts available December 2, 2012, 7:30 pm – HANDEL: MESSIAH – Jim Rouse Theatre Tickets: Advance $23 Adults; $20 Seniors/ Students; $2 more At Door; Group discounts available December 9, 2012, 3 pm – “A Christmas Noël” with the CPC Chamber Singers Christ Episcopal Church, Columbia Tickets: Advance $15 Adults; $13 Seniors/Students; $2 more At Door

For tickets, call 410-799-9321 Or visit www.procantare.org

Candlelight Concerts ®

Saturday, Oct. 20, 2012, 8:00 PM, Smith Theatre

Borromeo String Quartet Strings and Laptops! Bach: Passacaglia and Fugue in c, BWV 582 Mohammed Fairouz: “The Named Angels” Schubert: Quartet No. 14 in d, “Death and the Maiden”

Saturday, Nov. 10, 2012, 8:00 PM, Smith Theatre

Benjamin Beilman, violinist with Yekwon Sunwoo, pianist An extraordinary concert by the Winner of the 2012 Avery Fisher Career Grant, and the Gold Medal Winner of the 2012 Kapell Competition Poulenc — Brahms — Messiaen — Schubert

Saturday, Nov. 24, 2012, 8:00 PM, Smith Theatre

Philadelphia Brass Quintet Hear the premiere of a commissioned work by Paul Salerni and meet the composer Appealing diversity of repertoire, technical brilliance, and superb musicality!

SUNDAY, December 9, 2012, 7:00 PM, Smith Theatre

Curtis On Tour with Jason Vieaux, guitarist, and Roberto Diaz, violist Works for Strings and Guitar performed by a special ensemble Piazzolla — Kodály — Zhou Tian — Paganini

410.997.2324

Submit a letter to the editor. See p. 2.

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

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Concerts

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

public libraries, senior centers and retirement communities.

From page 26 While the regular performances are held at Howard Community College’s Smith Theater, the outreach program presents recitals in hospitals, special schools,

The new season This season’s series starts when the Borromeo String Quartet performs Oct. 20 at 8 p.m. in a program that includes a

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Bach Transcription, Arab-American composer Mohammed Fairouz’s “Preludes,” and Schubert’s Quartet No. 14 in D Minor, better known as “Death and the Maiden.” The Borromeo Quartet has plunged into the digital tide, using Macbook laptop computers on special stands instead of paper music. Foot pedals enable players to “turn” pages on screen rather than having to do so by hand. Furthermore, they tune up and turn on metronomes via programs on their laptops. Schubert’s original manuscript will be projected on their computer screens for the quartet’s performance. Other performances in the Candlelight Concerts 40th Chamber Music Series, also Saturdays at 8 p.m. at the Smith Theater, include: Nov. 10 — Violinist Benjamin Beilman, the 22-year-old winner of several international competitions, with Yekwon Sunwoo, pianist. The program will include violin works by Poulenc, Brahms, Messiaen and Schubert.

Howard County Saturday, September 29 Centennial Park, Ellicott City Registration 9 a.m. • Walk 10 a.m.

Nov. 24 — Philadelphia Brass Quintet. The highlight of the concert should be a newly commissioned work by Paul Salerni for Candlelight’s 40th anniversary. Dec. 9 — Curtis on Tour. Students from the Curtis Institute of Music in Philadelphia join guitarist Jason Vieaux and violinist Robert Diaz in a program of works for strings and guitar. This concert starts at 7 p.m. Jan. 19, 2013 — Pianist Richard Goode will dedicate his still to be announced program to the memory of the Candlelight Society’s founding Winklers. Feb. 2 — Harlem Quartet. Pieces by Haydn, Mozart and jazz pianist Chick Correa will be featured in the performance. March 2 — Leipzig String Quartet. The highly acclaimed chamber ensemble will present a program that will include String Quartet No. 2, “Company” by Phillip Glass, Eight Colors by Tan Dun, Quartet No. 3, “Hunt” by Widmann, and Brahms’ Quartet in A Minor, Op. 51, No. 2. April 6 — the Hermitage Piano Trio (piano, violin, cello) will perform a program consisting of four of Beethoven’s Piano Trios. Tickets for individual performances are $30 for adults, $28 for those 60+, and $12 for students 18-24. Children 9-17 are admitted free when accompanied by a paying adult. There are also discounted subscription prices. The CandleKids performances for children will be held Sundays at the Smith Theater at 2:30 p.m. and repeated at 4:30 p.m. The kids’ performances kick off Nov. 11 with Amber Brown is Not a Crayon, a musical by the Arts Power National Touring Theater based on the book by Paula Danziger. Future performances include “Peter and the Wolf” with the National Marionette Theatre, “Mozart Goes Dancing,” “Junie B. Jones,” and “Cookies, Ice Cream and Jazz.” Tickets are $10 each for CandleKids performances ($12 for “Cookies, Ice Cream and Jazz.”) The society will hold its 40th Anniversary Gala on May 18, 2013 from 4-7 p.m. at the Smith Theater. It will feature four chamber music ensembles, along with food and wine. Tickets are $30 per person for advance tickets. Call 410-997-2324 or see www.candlelightconcerts.org for further information, to order tickets or subscriptions, or to make a contribution via PayPal.

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Sept. 13 410-561-9099 • 800-272-3900 Rolanda.Oliver@alz.org • www.alz.org/maryland

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“SINGING LAUREL’S HISTORY” OPENS AT MUSEUM

Laurel native George McCeney will open the Laurel Historical Society’s fall season with a free program of songs related to the history of the Laurel area on Thursday, Sept. 13 at 6 p.m. on the museum grounds at 817 Main St., Laurel. Attendees are encouraged to bring a picnic dinner to enjoy during the outdoor concert. For more information, visit www.laurelhistoricalsociety.org or infor@Laurelhistoricalsociety.org or call (301) 725-7975.

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

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

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

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Puzzle Page

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

Across 1. Recuperate 5. Not bright 9. Director’s request 14. Strongly suggest 15. Applies 16. ___ nonsense 17. Company’s full value 19. Flower girl’s passageway 20. Grp. with no students 21. Messy potions 22. Softball’s flight 23. It precedes “Play ball!” 28. Downsizing (downsized) 29. Unit of creation 30. The Godfather part with no Oscars 32. Shawarma holders 35. Travels in a blizzard 37. Ft. Sumter attacker 38. Sub shop selection 42. Alternative to 56 Across 43. Wild party 44. Breakfast Loops 45. SI or GQ 46. Penultimate Greek letter 47. One end of I-95 48. Option (E), often 55. Tic-tac-toe failure 56. Alternative to 42 Across 57. Groovy cat 58. Walk in heels, poorly 61. Fifth pig’s comment 63. Mundane 64. Welk’s one/two connector 65. Viva ___ 66. The girl with the dragon tattoo, for example 67. “Take off your coat” 68. Parrot sounds 1. Contemptuous grunt 2. Poet’s inspiration

37 40

Down

JUMBLE ANSWERS

Scrabble answers on p. 28.

3. “___ of prevention is worth a kilo of cure” 4. Albanian coin 5. Defer 6. Fancy tie 7. Length of freedom 8. Technique to solve crosswords without using clues 9. Spot to really rock out 10. City on the Erie Canal 11. “___ alive!” 12. Electric slider 13. Uno + due 18. One with wide I’s 22. Embarrassing party 24. History book chapters 25. Enlighten 26. Summer babe 27. Agricultural vowels 31. “Yeah, sure” 32. Where a queen is elected 33. Hawkeye 34. Phonetic alphabet letter 35. Times New Roman feature 36. Fraternity purchase 39. N.E. team 40. Recently 41. Libyan, likely 46. “Everyone, pay attention to me now” 47. Park with a monster 49. Wanderer 50. MS politician who held a Lott of positions 51. ___ warning (obey) 52. “That’s amazing” 53. “___ - as in wreck”: a baseball autobiography 54. Dueling swords 58. Airer of three CSI series 59. Subject of most Grisham thrillers 60. Maximum binary digit 61. Is, later 62. Zsa Zsa’s sis sis

Answers on page 28.

Answer: Why their boat floated away -- KNOTS NOTS Jumbles: OAKEN NEWSY STODGY GROTTO

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

CLASSIFIEDS The Beacon prints classified advertising under the following headings: Business & Employment Opportunities; Caregivers; Computer Services; Entertainment; For Sale; For Sale/Rent: Real Estate; Free; Health; Home/ Handyman Services; Miscellaneous; Personals; Personal Services; Vacation Opportunities; and Wanted. For submission guidelines and deadlines, see the box on the bottom of this page. CAVEAT EMPTOR! The Beacon does not knowingly accept obscene, offensive, harmful, or fraudulent advertising. However, we do not investigate any advertisers or their products and cannot ac cept 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.

Caregivers LICENSED, BONDED CNA with decade of geriatric care experience seeks long-term, fulltime overnight position. Currently a grad student pursuing a nursing degree, I come with an extensive resume, sterling references & solid pet-care skills. If interested, kindly call Jacqueline at 301-787-3555.

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For Sale 2 SALVADOR DALI woodblock prints from Dante’s Divine Comedy. Signed and framed. Asking $900 for the pair. Can email pictures if desired. Call Steve 410-913-1653.

Home & Handyman Services RICHARD YOUNG PLUMBING * Master plumber * Over 30 years experience * locally owned and operated husband and wife team * Contact us about our discounts 301-562-9100, richardyoungplumbing@gmail.com. MPL#21098. STARCOM/DESIGN BUILD can meet your needs for physical limitation remodeling, including Walk-In-Tubs, Barrier Free Showers, 1st Floor Master Suites, ADA Bathrooms. We are a VA certified contractor and members of the BBB. MHIC#24247-01. Call 410-9447700.

PARALEGAL – experienced in wills, trust, and estate preparation and administration as well as other paperwork, research and writing assignments. FREE consultation call 301-6562917.

Ongoing

NEED A RIDE?

NeighborRide is a volunteer-based nonprofit providing transportation for Howard County residents ages 60 and over for volunteer activities, as well as health and personal needs such as shopping and business appointments. For further information, visit the website www.neighborride.org or call (410) 884-7433.

Ongoing

HOWIE AWARDS NOMINATIONS SOUGHT

The Howard County Arts Council is seeking nominations for the 2012 Howie Awards honoring individuals and businesses that have made significant contributions to the arts in the county. Nomination forms are available at the Arts Council website www.hocoarts.org or by calling (410) 313-2787. They may also be picked up at the Howard County Center for the Arts, 8510 High Ridge Rd., Ellicott City.

Sept. 20

THE MIND OF LEONARDO DA VINCI

Dr. Jonathan Pevsner, associate professor of neuroscience with Johns Hopkins Medicine, harbors a passionate interest in the work of Leonardo da Vinci, painter of the “Mona Lisa.” Pevsner explores this remarkable life to gain an understanding of the nature of da Vinci’s creativity and integrated approach to the arts and sciences in a talk on Thursday, Sept. 20 at 7 p.m. at the Miller Branch of the Howard County Libraries, 9421 Frederick Rd., Ellicott City. For more information, call (410) 313-1950.

Wanted VINYL RECORDS WANTED from the 20s through 1985. Jazz, Rock-n-Roll, Soul, Rhythm & Blues, Reggae and Disco. 33 1/3 LPs, 45s or 78s, Larger collections preferred. Please call John, 301-596-6201.

BEACON BITS

Sept. 13

BEACON BITS

Personal Services LEARN AMERICAN SIGN LANGUAGE, or Signed English, or Baby Sign Language lessons. Hire a Certified Sign Language Interpreter for your event. Please call 410-526-6111.

Sept. 22

EQUINE GRAND PRIX

Howard County Community College will hold its 25th annual Equestrian Grand Prix on Saturday, Sept. 22 from 9:30 a.m. to 4 p.m. at the Marama Farm, 5610 Chamblis Dr., Clarksville. General admission and lawn seating is $10, with no charge for children under 10. For more information, visit www.howardcc.edu or call (443) 518-1970.

THE ART OF JOURNALIING Artist Carol Zika will offer “Artful Journaling,” a class that com-

bines creative writing and visual expression, from 9:30 a.m. to noon on Thursdays beginning Sept. 13 and continuing for 12 weeks. The class will be held at the Bain Center, 5470 Ruth Keeton Way, Columbia. She will also teach the same class on Fridays starting Sept. 14 at 1:30 p.m. at the East Columbia Library Senior Center, 6600 Cradlerock Way, Columbia. The class costs $100 plus a fee for materials. For further information, call (410) 313-7680.

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Living Well Series Resumes with Fall Seminars Brooke Grove Retirement Village (BGRV) will resume its Living Well Community Seminar Series in September, according to Director of Marketing Toni Davis. Designed to help participants navigate a variety of healthcare and personal challenges, each of these free, monthly presentations will be held from 7 to 8:15 p.m. in the terrace level conference room of Brooke Grove Rehabilitation and Nursing Center, located at 18131 Slade School Road on BGRV’s Sandy Spring, Maryland, campus. Each

seminar will be preceded by a complimentary lite supper beginning at 6:30 p.m. United States Postal Inspector Charles Wickersham, in partnership with Home Instead Senior Care, will kick off the fall seminars with a session on “Minimizing the Risk of Fraud, Scams and Identity Theft” on Wednesday, September 19. Inspector Wickersham was a member of the Amerithrax Task Force that investigated the 2001 anthrax attacks. A certified fraud examiner, he now serves with the Washington Columbia Mail Fraud team, Division’s District of investigating a variety of crimes such as mortgage fraud, counterfeit goods, embezzlement and false lottery and sweepstakes fraud. His seminar presentation will include tips on how to spot foreign lottery scams as well as how to protect yourself from ❒ I would like to know more about Brooke Grove's independent living, mail fraud and identity theft. assisted living, rehabilitative, long-term care or memory support Leta Blank, program services. director of the Senior Health ❒ Reserve my seat for the September 19 "Minimizing the Risk of Fraud, Scams and Identity Theft" seminar. Insurance Assistance Program, will take the podium on ❒ Reserve my seat for the October 17 "Medicare 2013" seminar. Wednesday, October 17, to ❒ Reserve my seat for the November 7 "Let Go of Clutter, Let Go of Stress" seminar. discuss “Medicare 2013: What You Need to Know to Name: Get the Best Benefits.” Address: Discover the answers to City, State, Zip: questions such as: “What do Daytime Phone: HB9/12 Medicare A and B cover? How Please mail this coupon to: Brooke Grove Retirement Village, does Medicare Part D work? Attn: Community Relations, 18100 Slade School Road, Do I need Part C? What state Sandy Spring, MD 20860 and federal programs am I Phone: 301-260-2320 eligible for? Medicare doesn’t Fax: 301-924-1200. Web: www.bgf.org pay for everything, so what

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else do I need?” On Wednesday, November 7, “Let Go of Clutter, Let Go of Stress” with professional organizer and productivity consultant Marcie Lovett. As the founder of Organized by Marcie™ and the author of “The Clutter Book: When You Can’t Let Go,” Ms. Lovett helps residential and business clients make the tough decisions about what to keep and what to let go. During this seminar, participants will learn what clutter is, what to keep, what to discard, and how to establish rules to keep organized. For further information or reservations, contact Ms. Davis at 301-924-2811, option 3, or tdavis@bgf.org by the Monday prior to each seminar.