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Stepping up to play Palin, Clinton

5 0 JUNE 2011

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PHOTO BY CHRIS MYERS

By Anne Ball “Hillary Clinton” strides onstage in a tailored black pants suit, brandishing a handheld mike. Standing in front of a red, white and blue background, she announces, “This one’s for you, Barack Obama!” before breaking into a parody of “I Will Survive,” twisting the lyrics into a laugh-provoking description of her hopes and aspirations. This is Clinton through the lens of the Capitol Steps, the nationally-acclaimed political satire troupe that performs every weekend in Washington, D.C. and at venues around the country. Their motto: “We put the mock in democracy.” Janet Gordon, 60, has portrayed Hillary Clinton since she joined the company in 1993. More recently, the Columbia resident has taken on the roles of Nancy Pelosi, Janet Napolitano and — being an equal-opportunity satirist — Sarah Palin as well.

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An evolving act “Bill and Hillary are always in the show,” Gordon said. “They’re fun. They’re larger than life. And it’s been so interesting to watch Hillary move from first lady to senator to presidential candidate to secretary of state.” Gordon said she’s “followed [Clinton’s] hairstyles, from the girlish pageboy and headband to her current style, and always her fondness for the business style pantsuit. She’s matured over the years, and I’ve had to reflect those changes in my parodies.” One of her favorite sketches in her repertoire features Clinton reflecting on spousal infidelities and referencing the 1999 notorious knife-wielding Lorena Bobbitt, who cut off her sleeping husband’s sex organ. She sings “Snipped Like a Bobbitt in Two” to the tune sung by the fairy godmother in Disney’s Cinderella: “Bibbiti, Bobbiti, Boo.” Another memorable song parody, Gordon said, marked Clinton’s emergence from the first lady shadows to run for the senate. “Don’t Cry for Me, Argentina” morphed into “Don’t Cry for Me, Giuliani.” Other favorites: “It’s Not Over Till the First Lady Sings” and “Unzippin’ my Doodah.” As for preparing to portray Palin, Pelosi and Napolitano: “As soon as I slip on the appropriate wig, the character just comes,”

LEISURE & TRAVEL

Janet Gordon’s impression of Hillary Clinton always draws laughs during a performance by the Capitol Steps, a political satire troupe. The Columbia resident, who has been an actress for much of her life, also portrays Sarah Palin, Nancy Pelosi and Janet Napolitano, and helps write the song parodies for which the group is famous.

Gordon said with a smile. She does, however, confess to watching television news to help her master the mannerisms, posture and head tilts signature to each of the women. “Each has her own very special energy. It’s great fun to do them.” In addition to her singing routines, Gordon collaborates with other members of the company in writing the song parodies that fill every show of the Capitol Steps. One of her most recent collaborations, sung to the tune of “American Pie,” has been heard over two and a half million times on YouTube: “When you buy, buy an American pie

Your grandma didn’t bake it, it was made in Shanghai Where they engineered the apples to be juicy not dry, And the crust is made of cardboard and lye, Don’t feed it to your dog, he might die…” Gordon said the “rule” with the Capitol Steps is that “every song we do ends with a joke. If it doesn’t end in a joke, it’s not comedy,” she said with a laugh.

The Steps’ start The group’s current leader, Elaina Newport, is one of the three founders of the See CAPITOL STEPS, page 25

Cool summer escapes on Adirondack lakes; plus, living the good life in the heart of Italy page 26

FITNESS & HEALTH 4 k Diabetes cure on the horizon? k No risk from mercury in fish THE SENIOR CONNECTION 16 k Howard County Office on Aging newsletter LAW & MONEY 18 k How to tap into the bull market k Shopping myths debunked PLUS CROSSWORD, BEACON BITS, CLASSIFIEDS & MORE

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In fund we trust — not In my column last month, I wrote about In the midst of the budget crisis, an old the federal budget deficit and touched on the debate has broken out with new force: role Social Security and its soShould Social Security be called trust fund play. seen as part of the deficit that I know from a number of Washington needs to rein in? groups I’ve spoken to that The White House is balkmany of you still trust in that ing at calls to tackle Social Setrust fund and feel that Social curity’s financial problems Security will remain solvent now, before baby boomers for years as a result of it. swamp the system. But the There wasn’t space in my massive retirement program, column last month to elabolike the rest of the governrate on why I believe that not FROM THE ment, is running a deficit and to be true, so I was planning to PUBLISHER has become part of the arguaddress the subject this month. By Stuart P. Rosenthal ment on Capitol Hill. But in the meantime, Stephen Older adults and the disOhlemacher of the Associated Press wrote an abled don’t need to worry about losing their article that I think explains the situation benefits or seeing them cut anytime soon. very well. The Obama administration is correct in asI therefore cede the balance of my space to serting that Social Security doesn’t face an his analysis. I hope you find it edifying. immediate crisis. Please share your thoughts on the topic by But the program’s red ink will only get submitting a letter to the editor via mail or worse the longer policymakers don’t act. e-mail. Last year’s $37 billion operating deficit — the first since the system was last overhauled in the 1980s — is expected to grow to $45 billion this year. Over the next decade, the program is projected to run up more than $500 billion

in operating deficits if Congress doesn’t act, according to the nonpartisan Congressional Budget Office. White House officials and some Democrats in Congress say not to worry: Social Security has built up a $2.6 trillion surplus over the past 30 years. “Social Security benefits are entirely self-financing,” White House budget director Jacob Lew wrote in a recent article in USA Today. “They are paid for with payroll taxes collected from workers and their employers throughout their careers. These taxes are placed in a trust fund dedicated to paying benefits owed to current and future beneficiaries.” That argument, however, overlooks a nagging fact: The money in the trust funds has already been spent over the years to help fund other government programs. In return, the Treasury Department issued bonds to Social Security, which earn interest and are backed by the government, just like bonds sold in public debt markets. When Social Security runs a deficit, it redeems its bonds with the Treasury Department to cover the red ink. But Treasury gets the money to pay Social Security the same places the government gets all its money: either from taxes and other revenues or by borrowing it.

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In the short term, Social Security is suffering from a weak economy. Payroll taxes that finance the program are down and applications for benefits are rising because fewer people are working. Over the next 19 years, Social Security will be further pushed into deficit by the 68 million baby boomers retiring and applying for benefits, even as payroll tax revenues decline due to a shrinking workforce. “We can either wait and have huge problems, and [Social Security] won’t be here for my kids and grandkids, or we can address it now, make relatively small changes, and make sure that it’s going to be safe for the next 75 years,” said Erskine Bowles, who served as chief of staff under Clinton and co-chaired the recent deficit commission under Obama. “I think this is all about politics now,” Bowles said, “because I haven’t met anybody here on the left or the right that doesn’t see the arithmetic.” —AP

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Here is how Lew described the Social Security trust funds when he was budget director under former President Bill Clinton, in Clinton’s 2000 budget request: “These funds are not set up to be pension funds, like the funds of private pension plans. They do not consist of real economic assets that can be drawn down in the future to fund benefits. (emphasis added) Instead, they are claims on the Treasury that, when redeemed, will have to be financed by raising taxes, borrowing from the public, or reducing benefits or other expenditures.” Few on Capitol Hill are suggesting that

the federal government won’t make good on its IOUs to Social Security. But now that it is time to start repaying Social Security, Lew’s decade-old analysis of where the money will come from still holds true. Advocates for Social Security say the program is being unfairly blamed for the budget deficit, and they worry that benefits could be put on the chopping block. They correctly argue that Social Security did not cause the nation’s fiscal problems. For the past 30 years, when Social Security posted big surpluses, the program actually reduced the amount of money the federal government had to borrow on public debt markets. The problem, as Lew points out, is that the rest of the government has been running up big budget deficits, including a record $1.5 trillion deficit this year. The national debt now tops $14 trillion, which includes the $2.6 trillion owed to Social Security.

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Health Fitness &

PLACEBO EFFECT’S EVIL TWIN Pessimism can override the effectiveness of medical treatments HEART DISEASE AND ED Impeded blood flow links erectile dysfunction and heart disease NOT A FISHY STORY Studies of toenail clippings show that mercury in fish poses no risk THROW YOUR WEIGHT AROUND Strength train using your body weight instead of pricey equipment

Will ‘concierge medicine’ hurt Medicare? By Ricardo Alonso-Zaldivar Every year, thousands of people make a deal with their doctor: I’ll pay you a fixed annual fee, whether or not I need your services, and in return you’ll see me the day I call, remember who I am and what ails me, and give me your undivided attention. But this arrangement potentially poses a big threat to Medicare and to the new world of medical care envisioned under President Barack Obama’s health overhaul. The spread of “concierge medicine,” where doctors limit their practice to patients who pay a fee of about $1,500 a year, could drive a wedge among the insured. Eventually, people unable to afford the retainer might find themselves stuck on a lower tier, facing less time with doctors and longer waits. Medicare recipients, who account for a big share of patients in doctors’ offices, are

the most vulnerable. The program’s financial troubles are causing doctors to reassess their participation in the federal program. But the impact could be broader because primary care doctors are in short supply, and the health law will bring in more than 30 million newly insured patients.

Creating a two-tier system? If concierge medicine goes beyond just a thriving niche, it could lead to a kind of insurance caste system. “What we are looking at is the prospect of a more explicitly tiered system where people with money have a different kind of insurance relationship than most of the middle class, and where Medicare is no longer as universal as we would like it to be,” said John Rother, policy director for AARP. Concierge doctors say they’re not out to

exclude anyone, but are trying to recapture the personal connection shredded by modern medicine. Instead of juggling 2,000 or more patients, they can concentrate on a few hundred, stressing prevention and acting as advocates with specialists and hospitals. “I don’t have to be looking at patient mix and how many are booked per hour,” said Dr. Lewis Weiner, a primary care physician in Providence, R.I., who’s been in a concierge practice since 2005. “I get to know the individual,” Weiner said. “I see their color. I see their moods. I pick up changes in their lives, new stressors that I would not have found as easily before. It’s been a very positive shift.” Making the switch can also be economically rewarding. If 500 patients pay $1,500 apiece, that’s gross revenue of $750,000 for the practice. Many concierge doctors also bill Medicare and private insurance for services not covered by their retainer.

Getting what they pay for Patients and family members say the fee is worth it. Linda Popkin lives in New York, far from her 97-year-old mother in Florida. With their mother in a concierge practice, Popkin says she and her siblings have direct access to the doctor as needed. “If one of us calls the doctor, he calls us back,” she said. “We are involved in all the decisions. We definitely have peace of mind that Mom is seeing a doctor she can speak to if we have any questions. I’m sure you’ve heard the horror stories about people calling the doctor and they can’t get in for three weeks.” Popkin’s mother didn’t lose her Medicare. She’s still covered for medications, specialist visits, hospitalizations and other services. But she has an additional level of personalized attention. Her doctor is affiliated with a FloridaSee MEDICARE, page 5

Studies explore possible cure for diabetes By Andy Coghlan A pioneering hormone treatment may be the secret to an easy life for diabetics, consigning insulin shots and regular glucose monitoring to the medical history books. Most people associate diabetes with insulin, the pancreatic hormone that dictates how much glucose circulates in blood. Type 1 diabetics have to inject the hormone because they can’t make it themselves. Now, the spotlight is turning on insulin’s lesser-known pancreatic twin, glucagon, as a treatment that could control blood glucose levels without the need for daily monitoring. Whereas insulin clears surplus glucose from the blood after meals, squirreling it away in the liver, muscles and elsewhere, glucagon does the opposite when we are hungry, ordering the liver to release stores of glucose “fuel” into the blood or to make more if none is available. To investigate glucagon’s role, Roger Unger at the University of Texas Southwestern Medical Center in Dallas and colleagues engineered mice to lack glucagon receptors so they couldn’t respond to the hormone. Surprisingly, the mice had normal levels of blood glucose. Then, when the team used a toxin to destroy the pancreatic beta

cells that make insulin, the mice remained diabetes-free.

No glucagon = no diabetes “The bottom line is that without glucagon, you can’t get diabetes,” said Unger. Even more mystifying, when the mice consumed huge amounts of sugar in so-called “glucose tolerance” tests, their blood glucose levels remained normal, irrespective of whether or not they could make insulin. “The implication for humans is that [without glucagon] you could drink 10 bottles of sugary drinks and your blood sugar would remain the same, with or without insulin,” he said. “This was a huge surprise.” So theoretically, if glucagon could be safely neutralized in people with type 1 diabetes, their blood glucose levels would stay normal without them having to take insulin or constantly check that level. “The only potential downside is too little glucose in the blood, or hypoglycemia,” said Unger. But this would only likely become an issue if a person was due to run a marathon, or do something equally energy-sapping. “The answer would be to take a sugary drink with you,” he said.

Will it help humans? The results in mice are so encouraging that a trial has already begun to see if suppressing glucagon has similar benefits in people with diabetes. Amylin Pharmaceuticals of San Diego, Calif., is attempting to do this with leptin, a hormone that controls fat uptake by cells but which also dampened the action of glucagon in studies on mice by Unger’s team in 2008. “It’s the first time that researchers will test leptin, in the form of an analogue called metreleptin, in people with type 1 diabetes to see if it can improve glucose control,” a company spokeswoman said. The volunteers will not go without insulin, but will receive the minimum safe amount. A different trial of leptin for those with severe insulin resistance is now underway at the National Institutes of Health in Bethesda, Md. For more information on the study, go to http://1.usa.gov/leptintrial. Other diabetes researchers are encouraged, but cautious about the developments. “If you get rid of the glucagon receptor, you get these dramatic changes,” said Alan Cherrington of Vanderbilt University School of Medicine, Nashville, Tenn. “But

is it more relevant in rodents than in humans?” he asked.

Many questions remain Cherrington said that the study leaves important questions unanswered. First, where does surplus glucose go in the mice lacking glucagon and insulin? Unger agrees that this urgently needs investigation and said that tracer studies are underway with labeled glucose so its fate in the animals can be tracked. The most likely destination, according to Cherrington, is the liver, but if so, what happens when it is full? The key question is: how are the mice managing to regulate glucose if insulin is not involved? Cherrington’s hunch is that glucagon-like peptide-1 (GLP-1), a hormone made in the gut, may be deputizing. “GLP-1 may affect the liver and muscle in an insulin-like way, ordering them to store glucose,” he said. Daniel Drucker at the Samuel Lunenfeld Research Institute in Toronto, Canada, who investigates GLP-1 and glucagon, agrees. “Animal models show elimination of glucagon is associated with increased See DIABETES, page 6

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going to blow up,” he added. When a primary care doctor switches to concierge practice, it means several hundred Medicare beneficiaries must find another provider. Medicare declined an interview on potential consequences. “There are no policy changes in the works at this time,” said spokeswoman Ellen Griffith. For more about the topics and documents referenced, see MDVIP: www.mdvip.com, MedPAC: www.medpac.gov, MedPAC report: http://tinyurl.com/3zjhh4e, GAO survey: http://tinyurl.com/3mela6g. — AP

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based management company called MDVIP, a wholly owned subsidiary of consumer products giant Procter & Gamble that represents the largest group of concierge physicians in the country. MDVIP marketing executive Mark Murrison says its doctors do not sell access, but a level of clinical services above what Medicare or private insurance cover. The cornerstone is an intensive annual physical focused on prevention. About half the patients are Medicare beneficiaries. Retainer fees range from $1,500 to $1,800 a year, and MDVIP collects $500 of that for legal, regulatory and other support services. Murrison said the fee is affordable for middle-class households when compared with the cost of many consumer goods and services. “One of our goals is to democratize concierge medicine,” he said.

team strategy where the doctor is helped by nurses and physician assistants, who handle much of the contact with patients. John Goodman, a conservative health policy expert, predicts the healthcare law will drive more patients to try concierge medicine. “Seniors who can pay for it will go outside the system,” he said. MedPAC’s Hackbarth declined to be interviewed. But Berenson, a physician and policy expert, said “the fact that excellent doctors are doing this suggests we’ve got a problem.” “The lesson is, if we don’t attend to what is now a relatively small phenomenon, it’s

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PAC, a commission created by Congress that advises lawmakers on Medicare and watches for problems with access. It hired consultants to investigate. Their report, delivered last fall, found listings for 756 concierge doctors nationally, a five-fold increase from the number identified in a 2005 survey by the Government Accountability Office. The transcript of a meeting last September at which the report was discussed reveals concerns among commission members that Medicare beneficiaries could face sharply reduced access if the trend accelerates. “My worst fear — and I don’t know how realistic it is — is that this is a harbinger of our approaching a tipping point,” said MedPAC chairman Glenn Hackbarth, noting that “ you could have a quite dramatic erosion in access in a very short time.” Another commissioner at the meeting, Robert Berenson, called concierge medicine a “canary in the coal mine.” Several members said it appears to be fulfilling a central goal of Obama’s overhaul, enhancing the role of primary care and restoring the doctor-patient relationship. Yet the approach envisioned under the law is different from the one-on-one attention in concierge medicine. It calls for a

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Health Shorts Medicare covers new prostate treatment Medicare will pay the $93,000 cost of prostate cancer drug Provenge, an innovative therapy that typically gives men suffering from an incurable stage of the disease an extra four months to live. The treatment is intended for men whose prostate cancer has spread elsewhere in the body and is not responding to hormone therapy or radiation.

The Centers for Medicare and Medicaid said the biotech drug made by Dendreon Corp. is a â&#x20AC;&#x153;reasonable and necessaryâ&#x20AC;? medicine. The decision, which will be finalized by June 30, is important because most prostate cancer patients are 65 or older. Medicare is legally prohibited from considering price when deciding whether to pay for a new treatment. The Food and Drug Administration approved Provenge last April, and in most cases Medicare automatically covers drugs cleared by the agency. But Medicareâ&#x20AC;&#x2122;s decision to review whether to cover Provenge last year prompted outrage from some patients and doctors who said the government was looking for a reason to avoid reimbursing

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for the pricey drug. Dendreon said Provengeâ&#x20AC;&#x2122;s price reflects the more than $1 billion the company spent researching and developing the drug. The infused drug is a first-of-a-kind treatment in that each dose is customized to work with a particular patient, arming his own immune system to fight the disease. It offers an alternative to chemotherapy drugs that attack cancerous and healthy cells at the same time. The median survival time with Provenge is double that of chemotherapy, which is about two months and is marked by significant side effects. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s impossible to put a dollar figure on a human life, especially when youâ&#x20AC;&#x2122;re talking about a drug that has such mild side effects,â&#x20AC;? said Jim Kiefert, a prostate cancer patient and advocate who was part of the

Diabetes From page 4

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circulation of GLP-1, so this hormone may certainly be playing a role,â&#x20AC;? he said. Drucker also said that suppressing glucagon levels, as expected in the leptin treatment, is probably safer than completely blocking the receptors. Thatâ&#x20AC;&#x2122;s because blocking causes the cells that make glucagon to multiply rapidly to increase glucagon output, potentially resulting in the development of a pancreatic tumor. This shouldnâ&#x20AC;&#x2122;t happen if glucagon action is only dampened. Another question, of course, is how the finding will translate to people with type 1 diabetes, said Robert Henry of the University of California at San Diego, head of

Rejection really does hurt The pain of rejection is more than just a figure of speech. The regions of the brain that respond to physical pain overlap with those that react to social rejection, according to a study that used brain imaging on people involved in romantic breakups. â&#x20AC;&#x153;These results give new meaning to the See HEALTH SHORTS, page 7

medicine and science for the American Diabetic Association. â&#x20AC;&#x153;The animals donâ&#x20AC;&#x2122;t have any glucagon activity from birth, so would blocking the hormone have different effects in animals or humans already producing it?â&#x20AC;? he said. Although cautious, most commentators were confident that the finding could lead to new treatments, or at the very least to new insights challenging the historical pre-eminence of insulin. â&#x20AC;&#x153;It raises a large number of issues challenging the classic dogma that insulin is the most important hormone in diabetic control,â&#x20AC;? said Henry. ÂŠ 2011. New Scientist Magazine. Reed Business Information Ltd. All rights reserved. Distributed by Tribune Media Services, Inc.

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June 8

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UNDERSTANDING PRE-DIABETES Learn about what pre-diabetes is and what can you do about pre-

venting or delaying actual diabetes on Wednesday, June 8 at 7 p.m. at a seminar sponsored by Howard County General Hospital Wellness Center. It will be held in the Medical Pavilion, 10710 Charter Dr., Suite 100, Columbia. The fee is $15. For more information or to register, call (410) 740-7601 or register online at

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Exercise classes meet for one hour three times a week at three senior centers for those who have weakness in one leg, limp or

use a cane or a walker as a result of a stroke that occurred at least six months ago. Locations: The Bain Center, 5470 Ruth Keeton Way, Ellicott City Senior Center, and the Glenwood 50+ Center, 2400 Route 97, Cooksville. Enrollment is

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County General Hospitalâ&#x20AC;&#x2122;s Wellness Center. The event will take place on Monday, June 20, at 7 p.m. at the East Columbia Branch Library, 6600 Cradlerock Way, Columbia (410) 313-7700.

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

Health shorts From page 6 idea that rejection ‘hurts,’” wrote psychology professor Ethan Kross of the University of Michigan and his colleagues. Co-author Edward Smith of Columbia University explained that the research shows that psychological or social events can affect regions of the brain that scientists thought were dedicated to physical pain. In a way, the scientists are saying “it’s not a metaphor,” Smith said in a telephone interview. The study involved 40 volunteers who went through an unwanted romantic break-up in the previous six months and who said thinking about the break-up caused them to feel intensely rejected. Functional MRI’s were used to study the brains in four situations: When viewing a photo of the ex-partner and thinking about the break-up; when viewing a photo of a friend and thinking of a positive experience with that person; when a device placed on their arm produced a gentle, comforting warmth, and when that device became hot enough to cause pain, though not physical damage. The two negative situations — thinking about the loss of a partner and the burn — caused response in the overlapping parts

of the brain, the study found. Previous studies had not shown a relationship between physical and emotional pain, but those had used a less dramatic event, such as simply being told someone does not like you, Smith said. In this case, the volunteers were people who actually had been rejected and still were feeling it, he said. There is evidence that emotional stress, such as the loss of a loved one, can affect people physically. Smith said studies like this may help researchers devise ways to help people who are sensitive to loss or rejection.

New lupus drug comes from Maryland The FDA recently approved the first new drug to treat lupus in over 50 years, a milestone that medical experts say could

prompt development of other drugs that are even more effective in treating the debilitating immune system disorder. Known as Benlysta, the injectable drug is designed to relieve flare-ups and pain caused by lupus — a little-understood and potentially fatal ailment in which the body attacks its own tissue and organs. Biotech drugmaker Human Genome Sciences, based in Maryland, spent 15 years developing Benlysta and will co-market it with GlaxoSmithKline PLC. The companies estimate there are at least 200,000 lupus patients in the U.S. who could benefit from the drug. But experts stress that Benlysta is not a miracle drug: It only worked in 35 percent of North American patients tested and was not effective for patients with the deadliest form of the disease. Additionally, it did not show positive results in African-Americans, who are disproportionately affected by lupus. The FDA said in its news release it would require

the drug developers to conduct another study exclusively on African-Americans. The drug is approved for systemic lupus erythematosus, the most common form of the disease. Lupus causes fibrous tissue and inflammation of internal organs, skin rashes and joint pain. Most of Benlysta’s benefit came from relieving muscle inflammation versus organ problems. The disease occurs when the body’s antibodies stop differentiating between foreign invaders and healthy cells. The cause of this malfunction is not understood. Currently most patients treat their disease with a variety of drugs that help ease inflammation, including painkillers, steroids and anti-malarial drugs — which were first approved for lupus in the 1950s. Many patients say the side effects of those treatments are nearly as uncomfortable as the disease itself. Steroids can cause bone fractures, weight gain and infection. — AP

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WELLNESS CLASSES

Howard Community College offers noncredit, continuing education classes on such topics as nutrition, yoga, anger management and dream interpretation. Call (443) 518-1700 or visit www.howardcc.edu and click on “Continuing Education.”

Ongoing

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

Heart disease, erectile dysfunction linked By Dr, Stephen Kopecky Dear Mayo Clinic: Is there a connection between erectile dysfunction and heart disease? Answer: Erectile dysfunction — difficulty getting or maintaining an erection sufficient for sexual intercourse — can have many causes, but is commonly associated with heart disease. The connection between these two disorders stems from blood flow, or lack of it. Prominent in that connection is a condition known as atherosclerosis, sometimes called hardening of the arteries. Cholesterol-laden plaques build up in the arteries, and this causes them to narrow, harden and clog, limiting blood flow. Clogged arteries can lead to both erectile dysfunction and heart disease. Because clogged arteries in one area of the body likely indicate clogged arteries in other areas, erectile dysfunction can be a

sign that a man has a higher risk for heart disease, and vice versa. The risk factors for erectile dysfunction and heart disease are basically the same. The main factors that increase the risk of both disorders include high cholesterol levels, high blood pressure, lack of exercise, being overweight, obesity, smoking, diabetes and age.

Age brings changes As men age, their risk for heart disease and erectile dysfunction increases. Heart disease and erectile dysfunction are uncommon in men in their 40s. Research studies have shown that a man in his 40s who does not have erectile dysfunction has a less than 1 percent likelihood of having narrowed coronary arteries. But a man in his 40s who has erectile dysfunction has a risk for heart disease that is almost 50 times higher than normal.

In that case, erectile dysfunction indicates the likelihood of early heart disease. A man who has erectile dysfunction, especially a man in his 40s or 50s, should see his doctor. To accurately assess risk, the doctor will need to review the medical history, conduct a physical exam and, in many cases, order tests that can determine if the arteries to the heart have begun to narrow. Once a man understands his risk, he should discuss with the doctor how to decrease that risk. That may include lifestyle changes, such as losing weight or quitting smoking, and medications that can help, such as drugs to reduce cholesterol or high blood pressure.

Helping one helps the other By modifying risk factors, a man can dramatically lower his risk for heart disease and perhaps help improve erectile function.

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For example, obesity is a risk factor for both erectile dysfunction and heart disease, and losing weight has been shown to help reduce symptoms of erectile dysfunction. In most men, the risk of heart attack goes down significantly within just a few years of making lifestyle changes that decrease their risk. Although not as much research has been done concerning erectile dysfunction, early studies seem to indicate the same is true for that disorder. Modifying heart disease risk factors with regular exercise, a healthy diet, effective diabetes management and smoking cessation, for example, decreases significantly the risk of erectile dysfunction. Another reason men should see their doctors when they experience erectile dysfunction, no matter what their age, is that the condition may be the first significant sign that a man’s arteries are becoming clogged. Because the arteries supplying blood to the penis are smaller than those supplying the heart, symptoms of atherosclerosis may first show up as erectile dysfunction, and studies have shown that erectile dysfunction precedes the onset of heart disease symptoms by three to five years. If you have erectile dysfunction, don’t wait until other symptoms appear. Go to your doctor and ask if the condition could be an early indication of heart disease. If it is, you may be able to get treatment before heart problems become serious. Likewise, if you have heart disease, getting the right treatment may help with erectile dysfunction. Medical Edge from Mayo Clinic is an educational resource and doesn’t replace regular medical care. To submit a question, write to: medicaledge@mayo.edu, or Medical Edge from Mayo Clinic, c/o TMS, 2225 Kenmore Ave., Suite 114, Buffalo, N.Y., 14207. For health information, visit www.mayoclinic.com. © 2011 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Media Services, Inc.

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June 5

PRESERVING OLD PHOTOGRAPHS

Photographer Louis LeConte will discuss the evolution of photography and how to preserve different types of photographs. He will also show examples of old cameras and photographs at the Howard County Historical Society Museum, 8328 Court Ave., Ellicott City. The event takes place on Sunday, June 5 at 2 p.m. The fee is $3 for members; $5

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general public. Proceeds benefit the historical society. For more information, call (410) 750-0370.

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

Pessimistic thinking undermines healing By Lauran Neergaard Spine surgeon Anders Cohen puts a lot of stock in patients’ expectations of pain relief. He prefers to operate only on those who “grab you by the collar and say, ‘I can’t take it anymore.’” New brain research proves doctors like Cohen are onto something: Pessimism can override the effectiveness of even powerful treatments. You’ve heard of the placebo effect, the healing power of positive belief. This is the “nocebo” effect, the flip side, almost its evil twin. And while the self-fulfilling prophecy of negative thinking isn’t nearly as well studied, some scientists say it’s time for doctors to start paying a lot more attention to their patients’ outlook. “We all know that many treatments work for some people but not for others,” said neuroscientist Dr. Randy Gollub of Massachusetts General Hospital. Instead of stressing only the percentages, he tells doctors to “say, ‘I have every reason to believe that you could be one of the people who will respond.’”

Studying the “nocebo” effect Scientists already know the placebo effect is real. They can measure it in studies that compare real drugs to dummy pills, where those given the fakes have noticeable

improvements to pain and other symptoms. But could a gloomy outlook really harm? British and German researchers performed the most sophisticated study yet to tell. They strapped a heat-beaming device onto the legs of 22 healthy volunteers, zapping it until people rated their pain at nearly 70 on a scale of 1 to 100. Then the researchers hooked up an IV to give them the powerful morphine-like painkiller remifentanil. Typically used for surgery patients, it works rapidly but also is metabolized rapidly, able to be switched on and off as researchers alternated between giving the drug or plain fluid. The volunteers’ brains were scanned as they described how much pain, and pain relief, they experienced at different times. When the researchers induced the burn and surreptitiously turned on the drug, the volunteers said their pain improved a fair amount. The painkiller was working, expectations aside. Here’s the mind over matter: The researchers next told the volunteers they were about to inject the painkiller even though they’d never turned it off. Those pain ratings dropped even more — meaning expectations of relief doubled the drug’s painkilling benefit. Finally, the researchers lied again, saying they were stopping the drug and that

BEACON BITS

June 9+

pain would probably increase. Sure enough, the volunteers’ pain levels soared back up to almost their pre-treated level as grim expectations canceled out the effect of a proven and potent painkiller. Anxiety levels fluctuated similarly. Why? The brain scans tell the tantalizing tale — showing changes in neural pain networks that prove the people really did experience the changes in pain that they reported. Moreover, expecting more pain fired up sections of the brain that control mood and anxiety, the researchers recently reported in the journal Science Translational Medicine. In contrast, anticipating pain relief fired up different regions previously found ac-

tive in people given placebos.

Expectations matter It’s a small study, dealing just with pain. But the results may apply to a range of drug therapies, especially in chronic diseases. That’s because so many of those patients are conditioned by months or years or frustrating treatment failures, concluded lead researcher Dr. Ulrike Bingel of Hamburg’s University Medical Center, who teamed with Oxford University researchers for the study. Learning how anxiety influences pain is See POSITIVE THINKING, page 10

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June 6

MASTERING TIME Learn how to proactively prioritize and make choices to create

the time to do the things you value most in your life. The seminar will take place on Monday, June 6, at 7 p.m. at Howard County General Hospital Wellness Center, Medical Pavilion, 10710 Charter Dr., Suite 100, Columbia. For more information or to register for the free event, call (410) 740-7601, or register online at www.hcgh.org.

The Kaplan Hearing Center

COMPUTER TRAINING Join other seniors in learning Word, Facebook and other programs

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

Study shows no risk from mercury in fish By Alicia Chang In an unusual health study, researchers analyzing toxin levels in tens of thousands of toenail clippings determined that mercury from eating fish does not raise the risk of heart disease or stroke. Health experts have long urged people to eat fish to lower heart risks, but some have worried that the mercury in certain types of fish like shark and swordfish might offset any benefits. Mercury occurs naturally in soil and rocks, including coal. It gets into the air from coal-fired power plants and other sources, and settles into water. Small fish absorb mercury when they feed on plankton, and they, in turn, are eaten by bigger fish. Older and larger predator fish — like shark, swordfish and king mackerel — tend to accumulate the highest mercury levels. In high quantities, the metal can damage the developing brain and nervous sys-

tem of young children and is a special concern for pregnant women because of potential harm to the fetus. Earlier studies on mercury and heart problems in adults have yielded contradictory results.

Large study finds no danger The latest government-funded work is the largest to look at this question. Instead of relying on what people said they ate, it measured mercury in their toenails — a good gauge of long-term exposure to the metal from fish consumption. No differences were seen in the rates of heart disease and stroke among those with the highest concentrations of mercury compared to those with the lowest. “The average person should eat fish as part of a healthy diet,” and not worry about ill heart effects, said Harvard School of Public Health cardiologist Dr. Dariush Mozaffarian, who led the research published in the New England Journal of Medicine.

The new research in adults used information from two studies of 174,000 health professionals. Some participants sent in toenail clippings when the work started decades ago. Since toenails grow slowly and at different rates, they are favored over blood samples because they provide a more accurate picture of long-term mercury exposure. Toenails are also easy to collect and can be stored cheaply. After an average of 11 years, 3,500 participants who had given nail samples had suffered strokes or developed heart disease. Researchers compared them to an equal number of participants who did not develop those health problems. After adjusting for factors such as age, gender and smoking, there was no link between mercury exposure and risks for heart disease or stroke. This was true even at high exposure, where the average toenail mercury levels were 1 microgram per gram — roughly twice

the recommended limit for pregnant women.

Positive thinking

comes from believing in your treater as someone who cares about you,” she said. Directly managing patients’ expectations — spelling out exactly what will happen at different points to take away some of the fear — also can help, said Cohen, chief of spine surgery at Brooklyn Hospital Center in New York. He teaches new doctors not to promise surgery patients they’ll wake up free from pain because — while the old back pain may be fading — they’re going to hurt from the operation. When someone says, “’Wow, it’s just like he told it was going to be, this guy told me the truth,’ now you’ve got this bond of confidence,” Cohen said. “You’re partnering with your patient.” — AP

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crucial to understanding this nocebo effect — how you get the pain you expect, said coauthor and Oxford neuroscientist Irene Tracey, in a recent review of the science of expectations in the journal Nature Medicine. It’s by no means a novel concept. Previous research has found people given a dummy pill can experience the side effects of the medication they thought they were getting. While there’s a lot yet to learn, for now doctors should at least try building closer relationships with their patients to encourage trust in recommended treatments, said Mass General’s Gollub. “Building these strong, positive expectations for doing well are part of what

How much fish is healthy? The American Heart Association recommends that adults eat fish at least twice a week. Pregnant women and young children are advised to avoid fish with the highest mercury concentrations and limit themselves to 12 ounces of fish a week, preferably shrimp, salmon and catfish, which contain lower mercury levels. While fish contains heart-healthy omega3 fatty acids, consumers should also round out their diet with whole grains and fruits and vegetables, experts say. “Fish intake is important, but we also have to think about the whole package,” said Alice Lichtenstein, a Tufts University nutrition professor and spokeswoman for the heart group, who was not involved in the research. For fish consumption advisories from the EPA, go to www.epa.gov/mercur y /advisories.htm. — AP

BEACON BITS

June 3

ART SHOW AND SALE An eclectic exhibition of watercolors, acrylics and mixed media

will be held by the Willowbrook Studio Painters. There will be a reception Friday, June 3 from 5:30 to 8:30 p.m., and the show continues June 4 from noon to 3 p.m. Oliver’s Carriage House, 5410 Leaf Trader Way, Columbia. For more information, contact willlowbrookpainterstudio@comcast.net or (410) 446-7584 for more information.

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June 21

THE THREADS OF TIME Author Rosemary E. Reed Miller discusses her book, The Threads of Time, the Fabric of History: 38 Profiles of African American

Designers and Dressmakers from 1850-1950, followed by a discussion with local fashion designer Saharah and a showing of her clothing line. Books will be available for purchase and signing. The event will take place on Tuesday, June 21 at 7 p.m. East Columbia Senior Center, 6600 Cradlerock Way, Columbia. Call (410) 313-7700 for more information.

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

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GARY L. KAUFMAN FUNERAL HOME at MEADOWRIDGE MEMORIAL PARK, INC. We Simply Offer More...

Remember Your Loved Ones Protect ose You Love Most. Have you ever wished you could free your family from the painful burden of arranging a funeral? You can. Preplan it all now and give them peace of mind, knowing everything is prepared. e cost is less than you’d think. Preplanning can help to protect you from inflation by securing today’s prices for goods and services. For your family, preplanning allows them to spend their time supporting one another, sharing memories and celebrating the life that you lived. It lifts the burden of decision-making from their shoulders. Prearranging your funeral or cremation service is a decision only you can make, but it is a decision that affects the people you love. One of the best ways to pre-plan may be to sit down and put your thoughts in writing. e Personal Planning Guide offered by Meadowridge Memorial Park is clear, concise, easy to complete and offered free of charge. is guide is a “fill-in-the-blank” final arrangement planner that takes you, step by step, through the recording of your wishes.

To obtain a free copy of the Personal Planning Guide call 410-796-1144. Gary L. Kaufman Funeral home at Meadowridge Memorial Park is a licensed funeral establishment in the state of Maryland.

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

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

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No trans fats, gluten-free, and exotic flavors like Honey Banana, Tangy Pineapple and Sweet Jackfruit. www.daniellechips.com Hugo Naturals Fizzy Bath Bombs: Hugo’s products are super pure — no parabens, PEG’s, petroleum or artificial anything. The new, natural bath “bomb” dissolves in your tub, releasing minerals and pure essential oils like lavender/chamomile for relaxation. Their styling gel tames frizz and makes your hair manageable and shiny. www.hugonaturals.com PowderColors by Honey Bee Gardens: Gorgeous eyeshadow colors. Department store brands often contain cheap fillers, talc, FD&C dyes and parabens. Honey Bee’s is pure, made of colorful minerals, and the subtle shimmer lights up your eyes all day. I like how it stays on my lid, not on my cheek. www.honeybeegardens.com Baking Mixes by Lauralicious: If you

have food sensitivities, make this your new baking line. The chocolate chip cookies are scrumptious, and her entire line — including pancake/waffle mix — is safe for people who avoid soy, eggs, wheat, gluten, peanuts and dairy. www.mrslauralicious.com Chimes Ginger Chews: Ginger eases nausea, vertigo, morning sickness, stomach cramps and joint pain/inflammation. These candies have the texture of a gummy bear but they are made of ginger and flavored naturally. I like the tropical mango flavor. www.chimesgourmet.com 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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May 21+

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Wine in the Woods returns to Symphony Woods in Columbia on Saturday and Sunday, May 21 and 22. Sample wines and foods from the MidAtlantic while enjoying live music.

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June 5

VILLAGES OF COLUMBIA HOME

No Risk. All Deposits are 100% Refundable Should Your Plans Change For Any Reason!

TOUR Take a self-guided tour of five distinctive homes on Sunday, June 5 from 11 a.m. to 5 p.m., with docents at each location to explain the diverse architecture and special features of the home. Tickets are $20. For more information and to purchase tickets, call (410) 730-3987.

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Visit Us at MILLERSGRANT.org Application Online View Unit Availability Schedule an Appointment

Call 410-465-2005 or toll free 1-877-461-8933 Welcome Center Open • 9531 Frederick Road • Ellicott City, MD 21042 * Per Residency Agreement. Lutheran Village at MILLER’S GRANT is a proposed continuing care retirement community subject to approval by the Maryland Department of Aging and participates with Howard County in the Moderate Income Housing Unit Program.

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

Use your weight to make you stronger Q: What is this “bodyweight muscles with sit-ups, which can be done in strength training” I am hearing about? many different variations to focus on difA: Bodyweight strength ferent areas of your “abs,” as training is exercise that uses well as exercises known as your own body weight for replanks and bridges. sistance to work your muscles Although these bodyweight instead of weights or resiststrengthening exercises may ance bands. not be enough for bodyFor example, you can builders, by changing how far strengthen your arms with exyou work against your body ercises like push-ups (standweight and how long you hold ing against the wall, or regular the resistance, variations of or bent-knee on the floor) and these exercises can be used by NUTRITION chair dips. people who have been sedenYou can strengthen leg WISE tary and have little strength as muscles by getting up and By Karen Collins, well as by people who already down from a sitting or squat- MS, RD, CDM have developed good muscle ting position, depending on strength from regular exercise. your current level of fitness and balance. You can find examples of these bodyOther leg-strengthening exercises that weight strength training exercises and inuse only body weight include leg raises, structions from several trustworthy webwall-sits and lunges. sites, such as the Senior Health section of the You can strengthen your abdominal NIH website, http://nihseniorhealth. gov/

serving those who

served and their eligible non-vet spouses

exerciseforolderadults, and the American Council on Exercise’s workout guide at www.acefitness.org/article/ 3159/. You might also find it helpful to get personal instruction on how to do these exercises and adapt them as you grow stronger by meeting for a few sessions with a qualified trainer at a YMCA, JCC or other fitness center in your community. Q: Why do I hear some people making a big deal about how you breathe when walking or biking for exercise? Does it really make a difference? A: Yes, how you are breathing during aerobic exercise can affect your heart rate and thus your performance and endurance. Many adults have developed a shallow breathing pattern. This limits how much oxygen you can take in, cutting short your ability to continue when you could otherwise go longer or faster. Erratic breathing when exercising can lead you to hyperventilate or get dizzy. Instead, as you walk, try to inhale for two steps, then hold the air in for two steps, and then exhale for two steps. Alternatively, some experts advise inhaling a full three steps to get oxygen deep into all your muscles. Either way, focus on full, strong inhales and full, complete exhales. This attention to breathing can seem awkward at first, but you will notice that your heart won’t start pounding as easily

because you are able to get more oxygen into your body and push out the carbon dioxide waste. You may also find that with a focus on breathing, your walk turns into a more meditative, calming activity as a side benefit. Eventually this will seem less awkward and will become second nature. The most important thing is simply to keep breathing. People often assume that they are breathing automatically when they are actually holding their breath. Take a moment to focus on your breathing during your next walk or during strenuous activities such as climbing the stairs. You may be surprised to find that you are holding your breath. And you may be just as surprised to see how much more you can do when you are breathing in a way that gets your body the oxygen it needs. The American Institute for Cancer Research offers a Nutrition Hotline, 1-800843-8114, from 9 a.m. to 5 p.m. Monday through Friday. This free service allows you to ask questions about diet, nutrition and cancer. A registered dietitian will return your call, usually within three business days. Courtesy of the American Institute for Cancer Research. Questions for this column may be sent to “Nutrition Wise,” 1759 R St., N.W., Washington, DC 20009. Collins cannot respond to questions personally.

BEACON BITS

May 28+ 800-522-VETS // www.charhall.org

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Migrate to the Baltimore Zoo on Saturday and Sunday, May 28 and 29, for the annual “Brew at the Zoo…and Wine Too.” Enjoy unlimited samples of beer and wine and three bands each day. The event takes place from 1 to 7 p.m. Admission is $45 for nonmembers and $30 for members. Visit www.marylandzoo.org for more details.

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

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J U N E 2 0 1 1 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 1, NO. 3 â&#x20AC;˘ JUNE 2011

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A Message from Sue Vaeth Howard County Office on Aging Administrator

I am excited to announce that the new North Laurel 50+ Center opens this month! Be sure to join us after we open beginning June 6. On Wednesdays, beginning June 8, we are hosting "Welcome Wednesday Showcases" where weâ&#x20AC;&#x2122;ll share information and highlight upcoming North Laurel activities and programs. On June 8, our Health and Wellness programs will be in the spotlight, including SPRING, Living Well, Lifestyle and Nutrition Counseling, Emotional Wellness, A Matter of Balance, and more. On June 16, learn about our Senior Health Insurance Assistance Program (SHIP), Maryland Access Point (MAP), 60+ Wills, Arts & Intergenerational programs, and lots more. On June 22, itâ&#x20AC;&#x2122;s time to get active; come find out more about our Walking Club and Arts Studio and enjoy demonstrations of tai chi, Bollywood and belly dance, cooking and art classes. Finally, June 29 is our Partnership Day, with representatives from Howard County Police, NeighborRide, Rebuilding Howard County, and other community groups on hand to meet and greet you. Also that day, our Senior Center Plus site will hold an open house. Stop in, say hello, and learn about all the exciting programs this top notch facility will bring to the North Laurel and Savage communities. Hope to see you there!

Howard County Senior Centers

THE BAIN CENTER 5470 Ruth Keeton Way, Columbia / 410-313-7213 EAST COLUMBIA 50+ CENTER 6600 Cradlerock Way, Columbia / 410-313-7680 ELKRIDGE SENIOR CENTER 6540 Washington Blvd., Elkridge / 410-313-5192 ELLICOTT CITY SENIOR CENTER 9401 Frederick Road, Ellicott City / 410-313-1400 GLENWOOD 50+ CENTER 2400 Route 97, Cooksville / 410-313-5440 LONGWOOD SENIOR CENTER 6150 Foreland Garth, Columbia / 410-313-7217 NORTH LAUREL 50+ CENTER 9411 Whiskey Bottom Road, Laurel / 410-313-0380 ELLICOTT CITY SENIOR CENTER PLUS 9401 Frederick Road, Ellicott City / 410-313-1425 GLENWOOD SENIOR CENTER PLUS 2400 Route 97, Cooksville / 410-313-5442 OWEN BROWN SENIOR CENTER PLUS 7080 Cradlerock Way, Columbia / 410-313-7218

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Ask the Experts Iâ&#x20AC;&#x2122;ve heard that it may not be safe to exercise outdoors in the summer heat. At what temperature does outdoor exercise become unhealthy? Itâ&#x20AC;&#x2122;s important to consider not only temperature but also humidity if you are planning any outdoor physical activity during the hot summer months. High humidity prevents sweat from evaporating from your skin; if sweat canâ&#x20AC;&#x2122;t evaporate, it is not effective in cooling your body down. As a result, it may feel much hotter than the thermometer indicates. The Heat Stress Index can be a helpful tool when deciding whether or not to venture outdoors, since it considers both temperature and humidity. A Heat Stress Index of 90 degrees or higher is associated with an increased risk of heat injury. According to the National Institute on Aging, individuals over 50 years old or those with certain risk factors should be extra cautious. If you experience headache, nausea, muscle spasms, or fatigue after exposure to heat, seek cooler temperatures immediately. For more information, visit http://www.health.nih.gov/topic/HeatIllness Have a question for exercise specialist Jennifer Lee? E-mail jlee@howardcountymd.gov, or contact her through MAP at 410-313-5980.

For more information, visit the Office on Agingâ&#x20AC;&#x2122;s Health and Wellness webpage at www.HowardCountyAging_healthandwell ness.htm 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 â&#x20AC;&#x2DC;subscribeâ&#x20AC;&#x2122; in the subject box. The Senior Connection from Howard County Office on Aging 6751 Columbia Gateway Drive, Columbia, MD 21046 410-313-6410 | www.howardcountyaging.org Sue Vaeth, Administrator Advertising contained in the Beacon is not endorsed by the Howard County Office on Aging or by the publisher.

Donâ&#x20AC;&#x2122;t miss out on the 2011

FRIDAY, OCTOBER 21, 2011 9:00 am - 4:00 pm Wilde Lake High School 5460 Trumpeter Road, Columbia presented by

For more information, call 410-313-6410 or online at www.howardcountymd.gov

FREE COURTESY SHUTTLE from the Columbia Mall

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

Coming Events

Wed., June 1, 10 to 11 a.m. — “A Moment to Honor,” The Bain Center To honor the significant people in our lives who are no longer with us, the program includes a short presentation, time to share and reflect, and a group activity. Open to all; light refreshments served. Call Elaine Widom, 410-313-7283 to RSVP, or e-mail ewidom@howardcountyaging.org

Wed., June 1, 11a.m. — Long Term Living: Covering the Cost, Kiwanis-Wallas Recreation Center, 10481 Frederick Rd., Ellicott City Explore the often-confusing realm of long-term care insurance and consider the ultimate question of whether to buy or not. Discussions are led by representatives from the Senior Health Insurance Assistance Program (SHIP). Free; call 410-313-7391 to register. Wednesdays in June, beginning June 8, 10 a.m. to 2 p.m. — Welcome Wednesday Showcase, North Laurel 50+ Center Join us on Wednesdays in June to explore the new North Laurel 50+ Center. Meet the staff, take a tour, sign up for activities or try a free class. It’s all new, and all for you! For more information, e-mail Trisha Olsen, tolsen@howardcountymd.gov, or call 410-313-0380.

The Senior Connection

More at TheBeaconNewspapers.com

Wed., June 8, 11 a.m. — Genealogy with Bill Amos: Military Records, Ellicott City Senior Center Learn how Military Records can provide invaluable information about your family history, and how to obtain them. Free; call 410-313-1400 to register.

Wed. – Fri., June 15-17, 8:30 a.m. to 4:30 p.m. — Bain Council Book Sale, The Bain Center Purchase books for your summer reading enjoyment during our book sale, or donate your unwanted books to The Bain Center by June 10. Call 410-313-7213 for more information.

Fri., June 10 — Let's Swap! Boutique Opening, East Columbia 50+ Center Clean out your closets, and bring up to five new or as good as new items (clothing, jewelry, small gifts) to trade at our Let’s Swap Boutique. For more information, call 410-313-7680.

Sunday, June 19, 3 to 5 p.m. — Juneteenth, The Bain Center An educational and entertaining event that falls on the actual day of the Emancipation Proclamation of 1863, featuring an African Dancer, Negro spirituals, refreshments and more. Free; call 410-313-7213 to register.

Weds., June 8 through July 27, 1 to 3 p.m. — A Matter of Balance, Ellicott City Senior Center, Cost: $24/8 weeks Concerned about falls? Interested in improving balance, flexibility and strength? Learn to manage falls and increase activity levels. For additional information call 410-313-1400, or register at the front desk.

Sun., June 12, 2 p.m. — Showtime Singers, Glenwood 50+ Center The Showtime Singers chorus group performs show tunes like only professionals can. Tickets are free, but registration is required; call 410-313-5440.

Thurs., June 16, noon — Glamour at Glenwood, Glenwood 50+ Center, Cost: $15 A fashion event featuring the latest in casual clothes and accessories by Christopher and Banks, and a gourmet catered lunch. Call 410-313-5440 to register.

Thurs., June 23, 6 to 8 p.m. — Summer Arts Celebration, East Columbia 50+ Center Enjoy a “mocktail” and hors d'oeuvre reception to recognize the works of our talented student artists. Some works available for purchase. Call 410-313-7680 for information.

What’s Your BMI?

By Rona Martiyan, MD, RD, LDN, Office on Aging Nutritionist Years ago, healthcare professionals evaluated wrist circumference and bone size to determine the

BMI

CATEGORY

Below 18.5

Underweight

18.5 - 24.9

Healthy

25.0 - 29.9

Overweight

30.0 - 39.9

Obese

Over 40

Morbidly obese

relationship between weight and height. Today, we creases as we age. Women tend to have more body fat than men. In fact, if you are older than 65, a have a better tool to use: Body Mass Index (BMI). Your BMI estimates how much you should weigh slightly higher BMI (25 to 27) may actually help based on your height. It’s an easy screening tool for protect you from osteoporosis, according to the weight categories that may indicate some health is- National Institutes of Health (www.nih.gov) sues for you. Here’s how to calculate it: Multiply your weight in pounds by 703. Divide that answer by your height in inches. To determine your accurate height, measure from the tip of your middle finger to the center of your chest East Columbia Library (sternum bone) and double it. 6600 Cradlerock Way This method helps older adults determine their true height; as we Columbia, MD 21045 age we tend to “shrink” a bit. Divide that answer by your Thursdays, July 28, August 4, 11, 18, 25, & height in inches again. The anSeptember 1 from 1 to 3:30 p.m. swer is your BMI (see chart, at left). For example, a woman who Learn techniques to cope with the frustration, fatigue, weighs 270 pounds and is 68 pain and isolation often associated with chronic conditions inches tall has a BMI of 41.0. such as high blood pressure, diabetes, heart disease and Of course, BMI is only one paobesity. Also, learn exercises to maintain and improve strength, rameter in the assessment of flexibility and endurance, and how to communicate more health risks; your age, diet, level effectively with family, friends and health professionals. of exercise, lifestyle and family The class and accompanying materials cost $28. history play an important part as If you are interested, contact Maryland Access Point well. The percentage of body fat (MAP) at 410-313-5980. vs. lean body mass usually in-

“Living Well...Take Charge of Your Health”

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

Money Law &

WHERE CREDIT IS DUE Your credit card company may protect you in billing and other disputes, but watch for limitations FIGHT ID THEFT Take advantage of free ways to monitor transactions and avoid having your identity stolen A NEW FINANCIAL WATCHDOG Elizabeth Warren is setting up the new federal Consumer Financial Protection Bureau

Which sectors best for market rebound? By Mark Jewell The pain of the stock market meltdown is becoming a more distant memory thanks to the stunning rebound of mutual fund returns. An extreme example: Since the market bottomed in March 2009, real estate mutual funds have risen an average 195 percent, according to Morningstar. They invest primarily in real estate investment trusts, which were lifted by improving prospects for the income-producing commercial properties that REITs own. A $10,000 investment at the market’s low has swelled to nearly $29,500. Investors in the top-performing Pimco Real Estate Real Return Strategy fund (PETAX) saw an equal investment grow to nearly $42,000. Investors can’t expect to latch onto a rising market at just the right time. Yet the gains have been so large across the board that virtually anyone who didn’t give up on stocks has seen a big payoff. The average returns for 16 of Morningstar’s 21 domestic stock fund categories were greater than 100 percent in

the first quarter, beating the 95 percent return of the Standard & Poor’s 500 index. Even the two categories with the smallest returns — utilities funds and healthcare funds — were up more than 60 percent. “The categories that have done the best over the last year or two are the ones investors should be more cautious about [now],” Morningstar fund analyst Ryan Leggio said. “They don’t offer the same risks and rewards as they did a year ago, when they were much cheaper to buy.”

Biggest losers rose most Most of the top-performing funds in this bull market specialize in unusually volatile stocks. So it’s important to note that they fell more steeply than the 57 percent drop in the S&P 500 from its October 2007 peak to March 2009. That means they had a bigger pit to climb out of to get investors back to where they started — a goal many of the recent hottest funds have yet to achieve. In fact, nine of the top 10 individual stock funds over the past 24 months have bottom-rung 1-star ratings on Morn-

ingstar’s 5-star scale. That system measures past returns, while also considering how much risk a fund took to achieve them. Still, their supersized gains since the market turned the corner offer a reminder that the best short-term opportunities can often be found in the hardest-hit areas. That was a tough move to make in early 2009, when it seemed the market’s free-fall might not end. But when prospects brightened that spring, the stock funds that had lost the most “just snapped back really hard,” Leggio said. One example of how volatile the top-performing funds have been: Ariel Fund (ARGFX) is up 229 percent since the market bottom. That surge came after the fund lost 55 percent from the market’s peak-totrough, compared with the 45 percent average decline for its mid-cap blend fund peers.

Sectors on the upswing A look at a few of the top-performing domestic stock fund categories since the

market bottom, and the outlook for the market segments they specialize in: Real estate: Although the recovery of the housing market remains stalled, the outlook for REITs has been improving. Their fortunes have little to do with singlefamily home price trends. Instead, REITs are all about the commercial and industrial property markets, which are being lifted by the economic recovery. One reason these funds have recently been popular: Investors, especially income-seeking retirees, are drawn to the fact that REITs are required to pay out most of their operating income as dividends. With yields for 10-year government Treasury bonds around 3.5 percent, REITs’ average 4-percent dividend yields look attractive. Historically, REIT dividend yields have averaged around 6 percent. REITS were offering investors almost 10 percent yields in March 2009, when their prices became so cheap that their yields surged (prices and yields move in See BULL MARKET, page 20

How divorce affects your Social Security Consider this: Roughly half of the peoAlthough Social Security sends out annuple who get married in the United States al statements that help pre-retirees estimate will end up divorced. And Sotheir future benefits, the statecial Security is the primary ments are largely silent on the source of income for 72 pertopic of divorce, he said. cent of unmarried retirees, “Even divorce attorneys are many of whom are single beoften not aware of how the Socause they’re divorced. cial Security benefit works,” Unfortunately, few finanhe said. “People just don’t cial advisors put those two know what they don’t know.” facts together and focus on In fact, divorced people how divorce, as well as reoften make costly errors bemarriage, can affect retirecause they don’t understand MONEY ment planning, said Rob spousal and survivor benefits, MATTERS Kron, head of advisor educasaid Leslie Walker, a communiBy Kathy Kristof tion initiatives at the New cations director for the Social York-based investment firm Security Administration. “The BlackRock. closer you get to retirement age, the more “Social Security is the one purchase you need to know the rules.” that ever yone in America makes with Below is a look at some rules that could complete and total ignorance,” Kron said. apply. If you have specific questions regard“You get a job and see your paycheck is a ing your situation, Kron urged that you little lighter and you haven’t any idea what take advantage of the Social Security Adyou bought for that.” ministration’s help line at 1-800-772-1213.

“Social Security representatives can be very helpful, but they’re reactive,” he said. “They’re not going to come to you. They’ll sit at the other end of the phone until you ask.”

Benefits even if divorced If you were married for at least 10 years to someone who paid into the Social Security system, you are entitled to a spousal benefit, even if you are divorced from that person. Eligibility does not depend on whether or not you also worked and paid into the system. Spousal benefits, if claimed at your full retirement age, usually amount to 50 percent of the wage earner’s full benefit. If you claim benefits early, the amount you get is reduced. If you worked for 10 years and paid into the Social Security system, you also may be entitled to benefits on your own work record. In that case you must choose — you cannot claim both your own and

spousal benefits. You can, however, claim the one that gives you the most money.

60 is the magic number If you remarry prior to age 60, you lose your ability to claim spousal or survivor benefits from a deceased former spouse, Walker said. If you remarry after age 60, all your rights to spousal and survivor benefits based on the record of a deceased former spouse are retained for your lifetime. If your former spouse is alive, remarriage can eliminate your ability to claim benefits on their record regardless of your age. Disaster stories about remarrying too soon are legion, Walker said. For example, one couple, who married when they were both age 58, had based their retirement projections on claiming Social Security spousal benefits based on the records of their former spouses. They found out too late that those benefits would no longer be See DIVORCE, page 19

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

More at TheBeaconNewspapers.com | Law & Money

Five popular shopping myths debunked By Anne D’Innocenzio If you think a super-sized container of peanut butter is always a better deal than a tiny version, think again. Bigger is not always cheaper. And don’t count on getting a bargain on designer goods at an outlet or off-price chain. Here are five common but mistaken assumptions about bargains — plus tips for avoiding getting fooled into paying too much. Myth No. 1. Bigger packages and larger quantities are more economical than buying small. Often, yes. But Tod Marks, a senior project editor at Consumer Reports, said smaller sizes are actually cheaper about one-fourth of the time. He recommends checking the unit prices — cost per ounce or other element of the package — to find the best deal. Takeaway: Read the fine print, and don’t assume. Myth No. 2. Black Friday, the day after Thanksgiving, is the best day of the year to buy clothes, housewares, electronics and gifts. Sure, the promotions on that ballyhooed day are quite alluring, particularly on TVs and other electronics. But are the bargains so amazing that you should wake up at the crack of dawn and join the crowds? Definitely not. Many of the biggest deals, particularly on TVs and computers, are very limited: Your chances of grabbing one of the 25 heavily advertised flat-panel TVs your

store is selling at 50 percent off are slim. In fact, many of the traditional marquee promotions — like January “white sales,” when department stores discounted bedding and bath linens — have melted away. Michael Londrigan, chairman of the fashion merchandising department at LIM College in Manhattan, points to Macy’s for an example: It now offers sales on bedding throughout the year. Jodi Furman, who blogs about saving without sacrificing at www.LiveFabuLess.com, said Black Friday is more of an emotional event people get caught up in than it is an opportunity for special savings. “You can find better deals during regular sales events,” Furman said. Retailers are now running significant promotions all year long, from free shipping to 50 percent discounts to buy-oneget-one-free, according to Marks. Takeaway: Go online, whether by computer or one of many dedicated smartphone apps, and compare, compare, compare. Myth No. 3. Outlets sell mainly extras and leftovers from their own regular-price stores. Actually, outlets vary by merchant. Some stock their outlets mostly with items direct from their own regular stores. But many others buy specifically for the outlet division or, like Brooks Brothers and Gap, have goods made specifically for these second-tier stores. At Nordstrom Rack, for example, about 80 percent of the stock is purchased specifically for sale there and just 20 percent has

Divorce

er, and the third worked in a job that didn’t earn Social Security credits, you can claim the benefit from the first spouse, which is likely to amount to the most money. But what if spouse No. 2 died before you claimed Social Security benefits? Then you would be entitled to spousal benefits on spouse No. 1 or survivor benefits on spouse No. 2. Because survivor benefits are 100 percent of the working person’s entitlement while spousal benefits are only 50 percent, the survivor benefits may be more generous, even if spouse No. 2 didn’t earn as much. You can claim the one that pays the most. Kathy M. Kristof welcomes your comments and suggestions but regrets that she cannot respond individually. E-mail her at kathykristof24@gmail.com. © 2011 Tribune Media Services, Inc.

From page 18 available to them. But there was a solution — the couple could divorce. Then, when they reached 60, they could each claim spousal benefits based on the earnings of their former spouses. Then at that point they could remarry without hurting their spousal benefits. If you are single now but were married to more than one person for more than 10 years each, you may be eligible for spousal benefits based on the earnings records of each of those former spouses. You don’t get to add up all the benefits, of course, but you do get to choose the benefit that’s the best. So, if you married three times and one spouse was an executive with maximum Social Security earnings, the next spouse was a low-wage earn-

BEACON BITS

June 15

ELDER ABUSE AWARENESS

World Elder Abuse Awareness Day is Wednesday, June 15, and three Howard County senior centers will be screening the movie An Age for Justice: Confronting Elder Abuse in America, followed by a facilitated discussion. The movie will screen at 11 a.m. at the Bain Center, 5470 Ruth Keeton Way, Columbia; at 12:30 p.m. at the Ellicott City Senior Center, 9401 Frederick Rd., Ellicott City; and at 1:30 p.m. at the Glenwood 50+ Center, 2400 Route 97, Cooksville. For more information, contact Ofelia Ross, ombudsman program manager, at (410) 313-6423.

been transferred from full-price Nordstrom department stores. But Colin Johnson, a Nordstrom spokesman, notes that much of the Nordstrom Rack stock is excess inventory from the same vendors whose goods Nordstrom stores routinely carry. Takeaway: Check the label of anything you’re considering buying to determine whether it was made for the outlet, Marks said. Or ask a salesperson. Myth No. 4. A weekly outing — with a list in hand — to Walmart, Target or another big box discounter is the best way to save on groceries. Yes, shopping at Target or Walmart for a typical basket of 45 items will save you 15 to 25 percent, said Bob Buchanan, a retail consultant in St. Louis, Mo. But shoppers would do even better by scouring for deals at local grocery stores as well. Remember, too, that super-size stores can tempt you to go off-list and spend

much more than you intend buying clothing, toys and other goods. Takeaway: Furman recommended constantly comparing prices for specific items at discounters with grocers and other stores. Myth No. 5. Food costs more at drug stores. In reality, compared with grocery chains, many drug stores sell basics like milk, eggs and household cleaning and paper goods for less. The idea is that then shoppers will buy other more profitable items. Some drug chains, including Walgreens and CVS, have loyalty programs that — if used carefully and consistently — can net a shopper occasional savings up to 80 percent, Furman said. Takeaway: Drug stores are becoming increasingly like mass retailers, so include them in your rounds when you’re buying staples. — AP

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Say ‘charge it’ for help resolving disputes By Elliot Raphaelson When you buy a product or pay for a service but end up dissatisfied with the quality or the fairness of the transaction, often the best way to resolve the problem is to complain politely to management. A wise company will do what it takes to make you happy. But in cases where they do not, there is a federal law that may protect you: the Fair Credit Billing Act. I have taken advantage of it several times, and so can you. The law only applies under certain conditions: • The transaction must cost at least $50. • The service provider/seller must be located in your home state or within 100 miles of your mailing address. • The customer must have paid using a credit card — not a debit card, not cash and not a check. • If the customer is dissatisfied, he must first complain in writing to the provider or the seller of the product in writing. If the customer isn’t satisfied with the response, he must then write to the credit card company, documenting the problem. • No part of the disputed charge should be paid to the credit card company. (For example, if your total credit card bill that

month is $1,000, and the disputed charge is $500, you should pay only $500, documenting why you are withholding payment.)

How the law works After the credit card company receives the customer complaint, the credit card company notifies the service provider regarding the dispute. The provider has 30 days to respond. If he does not respond within 30 days, the credit card company will reverse the charge. If the provider does respond, the credit card company will then determine how much, if any, of the disputed amount is justified. Consider these examples of how the process works. A few years ago my son, Mark, was having car problems in Orlando, Fla. He brought his car to a dealer, who told him he had transmission problems. He accepted the dealer’s diagnosis and had the car fixed for $1,200. He charged the bill with Visa. But after the repair, the problem persisted, so Mark returned the car to the dealer, who then told him it was a different problem and that it would cost several hundred dollars more to fix. Mark then took the car to a different

mechanic, who told him that the initial diagnosis was incorrect. Mark had the car fixed by the new mechanic for substantially less than the new estimate he had received from the original dealer. He returned to the original dealer, with documentation, and asked for a refund. He received no satisfaction, so he notified Visa following the guidelines of the Fair Billing Act. The dealer was notified by Visa of the complaint, but did not respond within 30 days. Visa reversed the $1,200 charge.

Document all disputes A few years ago, my wife and I took a cruise from Florida. I paid by credit card. I overheard cruise personnel discussing the fact that the cruise was overbooked. As a result of the overbooking, there were interminable lines, insufficient seating and insufficient food. I complained in writing to the cruise line, indicating that, because of the overbooking, there was poor service. I received no response from the cruise line. Accordingly, I documented my dispute to Visa, indicating that I thought I should pay no more than 50 percent of the advertised

Bull market From page 18 opposite directions). But if 10-year Treasury yields keep rising, REITs could look less attractive, sending REIT stocks down. Industrial: Mutual funds specializing in industrial stocks such as manufacturers and chemical companies have been the second-strongest domestic stock category, with an average 162 percent gain. Most indicators suggest an economic recovery will continue, so the outlook for these funds remains good. However, it’s open to debate whether stock prices already reflect those expectations. Small companies: Small-cap funds, which specialize in stocks of companies valued at less than $2 billion, ranked high. They posted an average gain of about 140 percent. Small companies are typically more dependent on borrowing, and nearzero short-term interest rates have lifted their stocks. Although rates have nowhere to go but up, few economists expect a sharp rise anytime soon. However, because smallcaps have fared better in the bull market than large-caps, the situation could re-

cost of the cruise. Visa forwarded my dispute to the cruise line. The cruise line did respond to Visa within 30 days, but Visa did not accept its explanation. Visa accepted my argument, and I was only charged 50 percent of the initial price. A few months later, the cruise line tried to charge my credit card for the 50 percent it hadn’t received. I notified Visa, and Visa promptly deleted that charge from my account. Here’s the bottom line: When you enter into a transaction that involves a significant amount of money, protect yourself. Always use a credit card. If you have any complaints, document them in writing to the provider/seller. If you do not receive satisfaction, send all your documentation to your credit card company. Do not pay any of the amount in dispute to the credit card company until the company has adjudicated your dispute. You have nothing to lose, and much to gain. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. © 2011 Elliot Raphaelson. Distributed by Tribune Media Services.

verse itself. Typically, large-caps regain the lead as a bull market begins to lose momentum. Financial: Funds specializing in stocks of banks and other financial companies have risen an average 133 percent. They were helped as the credit troubles that sent these stocks into their 2008 tailspin eased. Like industrials, financial stocks often move closely in sync with the economy, so they could continue to rebound. But credit issues vary widely from bank to bank, so generalizations are tough to make. Technology: These mutual funds, up an average 133 percent, are an exception among the bull market’s top-performing categories. The others rebounded from unusually sharp drops during the meltdown. Tech funds have been faring relatively well all along, and have the best 3-year record among all domestic stock fund categories. Their average annualized gain is nearly 10 percent. That’s because the insatiable demand of consumers for high-tech gadgets withstood the recession. That demand shows little sign of slowing — year-to-date, tech funds are up an average 6 percent, secondhighest among all categories. — AP

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JOHNS HOPKINS HEALTHY LIVING

Johns Hopkins has started a “Healthy Living” program for Marylanders 45 and older. This free health and wellness education program offers monthly seminars and screenings, discounts on select elective medical services, discounts on fitness programs and in-home resources, a consumer health newsletter and online health alerts, lifestyle events, and assistance making medical appointments. To enroll, call 1-800-547-5182 or visit www.hopkinsmedicine.org/healthyliving.

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Free and low-cost ways to fight ID theft By Candice Choi You don’t need a hired gun to fend off identity theft. New data shows ID theft topped the list of complaints filed with the Federal Trade Commission for the 11th straight year in 2010. The findings will likely result in consumers seeing a fresh barrage of offers for credit monitoring products. The ads often play on consumer fears and promote services that cost upward of $15 a month, or $180 a year. Yet there are several free or lower-cost ways to protect yourself. “Many times it’s just a matter of investing some time,” said Adam Levin of Credit.com. “The ultimate guardian is the consumer.” Identity theft can take many forms, but usually results in unauthorized charges or an application for new credit under your name. The FTC estimates that there are about 9 million ID theft victims each year. Here’s a look at how you can avoid becoming a statistic, and what it will cost you:

Bank services, credit reports Start by taking advantage of all the ways you can monitor your transactions. Most banks now offer free e-mail and text message alerts that enable you to catch any suspicious charges immediately. For instance, you might ask to be notified whenever a transaction of more than $200 is processed. Quick action is critical because the longer it takes to realize you’re being victimized, the harder it can be to recover from the mess. That’s why it’s also a good idea to get into the habit of reviewing accounts regularly online. Some sophisticated scams avoid detection longer by repeatedly tapping accounts for smaller amounts. Ultimately, the idea is to heighten your overall awareness. That means doing a better job of reading even routine mail, such as benefit summaries from the Social Security Administration. You might notice that your wage or other information is off.

The other big fear with ID theft is that someone will open a new credit card under your name. This is where credit monitoring services try to offer help. The services issue alerts regarding any changes in a subscriber’s credit report. So you would be notified if someone used your identity to open a Target card or take out an auto loan. Whether it’s worth paying for such round-the-clock monitoring depends on how skittish you are. Keep in mind that you’re already entitled to three free credit reports a year — one from each of the three credit bureaus. To avoid any confusion, go ahead and bookmark www.annualcreditreport.com. The link takes you to the right place on each of the credit bureau sites where you can get a free report. It only takes a few minutes to fill in and confirm some personal information, and your report will be viewable immediately.

Fraud alerts If you lose your wallet or otherwise suspect you may become a victim of ID theft, one preventive measure is to put a fraud alert on your profile with the credit bureaus. This notifies lenders to proceed with caution when reviewing applications for credit under your name. There’s no charge and the alert stays in place for 90 days. There is a limitation worth noting. Fraud alerts have become common enough that some lenders may not take them as seriously as they should. Their widespread use stems in part from their inclusion in so many credit monitoring products, according to John Ulzheimer of SmartCredit.com. If you feel you need to take it a step further, there’s also an extended fraud alert. This stays in place for seven years and requires lenders to contact you by phone before approving new credit in your name. But you’ll likely need to provide the credit bureau with a police report or other documentation that you’re at risk of becoming a victim. This might be an option for those

who’ve been victimized in the past. Credit bureaus are obligated to notify each other when a borrower places either an alert or extended alert on their reports. If a fraud alert doesn’t allay your fears, a more drastic option is the credit freeze. This permanently prevents any new creditors from accessing your credit report. A freeze is free by law in most states if you’re the victim of identity theft. Otherwise, the cost can be fairly significant depending on how you use it. Unlike with a fraud alert, you need to place a freeze with each of the three credit bureaus. Each freeze costs up to $12 depending on the state where you live. If you want to apply for credit, you’d need to pay a fee to each bureau to temporarily unfreeze your credit. And another fee to put the freeze back in place. Because of the potential costs, credit freezes tends to make more sense for more established consumers who know

they won’t be applying for new credit.

ID theft insurance Another measure you may have heard about is ID theft insurance. This is often included in homeowner policies at no additional cost. Some credit monitoring services offer it as an add-on perk. The terms of each policy differ, however, so be sure to check the details. You may have the impression that actual losses from ID theft are covered, for example. But most policies only cover the costs you incur to repair your credit, such as lawyers fees or copying expenses. In other cases, the policy might not cover costs if you’re victimized by a family member. Some employers and credit card issuers also provide free assistance for victims of ID theft. You probably won’t get monetary compensation, but the services can help guide you through the recovery process. — AP

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Financial watchdog outlines her priorities By Candice Choi No tricks. Less fine print. Clearer agreements. That’s how banks should market products to consumers, said Elizabeth Warren, the Harvard law professor in charge of setting up a new federal agency that will police credit cards, mortgages and other financial services. The Consumer Financial Protection Bureau (CFPB) was created as part of the sweeping overhaul of financial regulations last year known as the Dodd-Frank Act. Proponents said such an agency could have sounded an early warning for the abusive lending practices that precipitated the economic meltdown. It’s not clear when a permanent head will be named to lead the new agency. Warren, a vocal consumer advocate who first championed the creation of the agency, is a possibility but is regarded as a contentious choice. President Obama did not need Senate confirmation when he named her in September as a special adviser to help oversee the creation of the agency. The CFPB won’t be able to exercise its rule-making powers until July 21. In the meantime, Warren has been making key appointments and meeting with banking executives and consumer groups to get the agency up and running. In an interview with the Associated Press, Warren said one of the first goals will be to make the true cost of financial products easier to understand. She said that should eventually drive down prices for consumers. Here is an excerpt: Q: You’ve said improving the disclosure of credit card terms is going to be a top priority. How is the CFPB going to change what’s provided to consumers? A: Think about how long a credit card agreement has become — it’s become pages and pages and pages of largely incomprehensible fine print. In effect, it’s paperwork that says “Don’t read me,” and that’s a real problem. Because hiding in that fine print can be anything. So one of the things we want to push toward is trying to clear out that kind of shrubbery. So that if there are real changes that a company is proposing, they stand out. They’re not camouflaged by all those other words. Q: And what’s the timetable for when consumers can expect to see such changes? A: Well, it’s interesting. I think people are starting to see somewhat clearer disclosures. For example, there are a couple of major credit card issuers who — following our early conversations last fall — went back and voluntarily rewrote their own credit agreements and began to shrink them down. There have been others who’ve advertised their credit products along the lines of “No Tricks,” “Less Fine Print,” “Clearer Agreements.” This agency, even before it has its full legal authority, has driven a conversation and driven a direction for the industry.

And it’s toward a better informed customer who can make apples-to-apples comparisons among products. Q: In terms of the required disclosures — do you see new forms replacing the Schumer box, which is already intended to clearly lay out the APR, fees and other terms for a credit card? A: We’re having conversations with credit card issuers right now and talking through what the Schumer box does and how it might be improved. You know, even the Schumer box has gone from smaller and skinnier to longer and more complicated. So I will readily admit it’s an uphill walk to try to get there. But I think we’re developing a path in working with the companies. In terms of a timetable, I just have to remind you. We won’t have legal authority to do anything by way of rule-making author-

ity until after July 21. But we’ve started now with the industry and with consumer groups and with other stakeholders, investors — talking with them, showing them what we have in mind, asking for their input, asking for their data, asking for information. Q: More banks began to cut back on free checking last year in response to new regulations. Do you think further regulation by the CFPB will drive up the price of banking? A: If the consumer knows the price of a good, the risk associated with it, and can make apples-to-apples comparisons, that’s what makes markets work for consumers. [Consumers] can figure out who’s offering the most expensive product and who’s offering the cheapest product. And I’m of the belief that over time, that’s going to make financial products cheaper for con-

sumers, not more expensive.

— AP

Elizabeth Warren of the Consumer Financial Protection Bureau.

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

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Breast cancer survivor back in the saddle work — making him calm, supple and attentive to his rider. Dressage is also a sport that attracts many riders as well as viewers, from amateur to Olympic level competitions. Artimovich compares watching a rider and her horse performing graceful and elegant dressage to observing a figure skater or gymnast doing her routine.

Raising money to fight cancer Artimovich felt that she had gained so much through her association with these “gentle giants” that she wanted to find a way to open that avenue to others, and to utilize the dressage community to raise money for the Johns Hopkins Avon Breast Cancer Center for research and education. The center has locations in both downtown Baltimore and at Green Spring Station in Lutherville. In 2004, Artimovich approached the nonprofit Potomac Valley Dressage Association, the second oldest dressage club in the United States, and arranged for the association to take a one-day dressage show and dedicate it and its net proceeds to the John Hopkins Avon Center. The event was called the PVDA Ride for Life.

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Since then, the event has grown to a two-day show with more than 200 riders. Overall, the PVDA Ride for Life has raised more than $320,000 for the center. “We are very dependent these days on the generosity of others to fulfill our mission and goals of the breast center,” said Lillie D. Shockney, its administrative director. “The Ride for Life event greatly supports our efforts so that more patients can become survivors of this disease, as well as receive quality of care at Hopkins, and through our training efforts, also elsewhere.”

PHOTO COURTESY OF PATRICIA ARTIMOVICH

By Carol Sorgen In 1999, Patricia Artimovich was diagnosed with breast cancer. The treatment and recovery were, in her words, “grueling,” but once she had begun to recover, Artimovich, who is 59 and lives in Columbia, began reflecting on what she wanted to accomplish in her life. “It wasn’t just the big things, but the small things I wanted to do as well,” said Artimovich, an attorney and contracts manager for the Universities Space Research Association in Columbia. Artimovich had been interested in horses as a young woman, but had let that passion lapse as she got older. “I decided that I wanted that back in my life,” she said. “When I’m on a horse, I don’t feel like someone who has had cancer.” Because one of the side effects of breast cancer treatment can be osteopenia (thinning of the bones), Artimovich’s doctors advised her against jumping — the form of riding she had previously enjoyed most. Instead, she took up dressage, a French term most commonly translated as “training.” Its purpose is to develop the horse’s natural athletic ability and willingness to

Ride for Life events This year’s Ride for Life will take place on Saturday and Sunday, June 25 and 26, at the Prince Georges Columbia resident Patricia Artimovich created the dresEquestrian Center, 14900 sage show Ride for Life to raise money for the Johns Hopkins Avon Breast Center. This year’s events take Pennsylvania Ave., in Upper place on June 25 and 26. Marlboro, Md. The schedule of activities includes: Dancing Horse Challenge, the week- ner will be served from 8:30 to 10:30 p.m. In addition, guests can mingle with the end’s highlight, on Saturday, June 26, from 6 to 8:30 p.m. (doors open at 5). This is a riders and dance, either in the gala area lyrical blend of dance, music, lights and where the band will perform or down in equestrian prowess, featuring internation- the dirt where the music will be broadcast. On both Saturday and Sunday, from 8 al and national riders and Olympians. Immediately following the Dancing a.m. to 4 p.m., visitors can enjoy an excitHorse Challenge is “Dancing in the Dirt,” ing competition among dressage riders, during which everyone in the stands can many who have been touched in some way come down to the sand arena and dance to by breast cancer. Several riders also will perform special demonstration rides and live music until 11:30 p.m. Throughout the evening, guests can be available to meet visitors. The weekend also will include chilpurchase food and beverages, shop for souvenirs, and visit the silent auction area dren’s activities, such as pony rides, face to bid on such items as jewelry, artwork, painting, horse arts and crafts, stick horse crafts, memorabilia, gift certificates and building, stick horse races, face painting riding clinics. (For auction previews, visit and magic shows. A boutique with merchandise from more than 45 vendors will www.pvdarideforlife.org.) On Saturday night, a “Dancing with the also be available. Daytime admission to Ride for Life is Stars”-themed, black-tie optional gala kicks off at 5 p.m. with a cocktail reception and a free. Admission to the Dancing Horse strolling magician. Gala guests will have Challenge is a $20 per person donation; special seating for the Dancing Horse Chal- free for children under age 10. Discounts lenge and can go back and forth from the show to the auction and the reception. DinSee RIDE FOR LIFE, page 25

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Capitol Steps From page 1 Capitol Steps. As the story goes, she and two fellow staffers in the office of Sen. Charles Percy, Jim Aidala and the late Bill Strauss, were charged with planning the entertainment for a Christmas party. According to the Capitol Steps’ website, “Our first idea was to stage a nativity play, but in the whole of Congress we couldn’t find three wise men or a virgin! So, we decided to dig into the headlines of the day and created song parodies and skits which conveyed a special brand of satirical humor that was as popular in Peoria as it was on Pennsylvania Avenue.” Today there are four separate casts in the company, each with its own travel and home show schedule. (Local performances take place every Friday and Saturday night year round at the Ronald Reagan Building at 1300 Pennsylvania Ave. in Washington, D.C., not far from the real Capitol’s steps.) There are television and radio appearances as well. The group has recorded dozens of albums and has appeared on “Good Morning America,” the “Today Show,” “20/20,” “Entertainment Tonight,” “Nightline,” CNN’s “Inside Politics” and National Public Radio’s “All Things Considered.” The Capitol Steps also perform on public radio in a show called “Politics Takes a Holiday” that airs on April Fool’s Day, July Fourth, Halloween and New Year’s Eve. Locally, these shows can be heard on WAMU (88.5 FM) and WETA radio (90.9 FM). New venues continue to beckon as well. This summer, Gordon and the Capitol Steps will be spending July and August performing at the Cranwell Resort in the

Ride for Life From page 24 are also available for groups of 20 or more. Tickets can be purchased online at www.pvdarideforlife.org. Gala admission is $100; $50 for children under 12. All reservations must be made by June 17. Tickets can be purchased online at www.pvdarideforlife.org or by contacting Jeannette Bair at (443) 691-0390 or

Berkshires. “We’re welcomed everywhere,” Gordon said. “It’s such a rewarding feeling when people laugh. It raises the endorphin levels in performer and audience alike. It’s so good to watch people around the country laugh so much when we make light of our crazy politics. “And it’s also a reminder that we as Americans are free to vent our frustrations by parodying and poking fun at our politicians and government. It’s a great release!”

On stage and screen Like many of her fellow troupe members, Gordon came to the Steps from a background in musical theater. Formerly with the Richmond (Virginia) Ballet, she moved north to marry Neil Gordon and went into real estate for a career. But she also auditioned for several area theatre companies, including the Burn Brae and Toby’s dinner theaters in Columbia. By the time she auditioned for the Capitol Steps in 1992, she had an accomplished resume to bring to the casting call. A member of the Screen Artists Guild, Gordon has also appeared in local and national commercials and training films. She even played a court stenographer in the 1987 Baltimore-inspired film Tin Men with Danny DeVito and Richard Dreyfuss, working under the direction of playwright and producer Barry Levinson. Over the years, she has performed in over 30 musicals. Her favorite roles have included Eva Peron in Evita, Eliza Doolittle in My Fair Lady and Louise in Gypsy. At Toby’s, she originated the role of Tillie in It’s a Wonderful Life, played Agnes in George M, Anytime Annie in 42nd Street, and Val, Bebe, Sheila and Christine in A Chorus Line.

jeannettebair@hotmail.com. Children’s gala reservations must be made by contacting Jeannette Bair. Though Artimovich has not achieved her own equestrian goal of riding every year on a horse of her own, the inspiration she receives from riders and Ride for Life attendees every year continues to motivate her. “I look around and see a lot of life-giving potential,” she said.

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June 7

SPEED NETWORKING

Want to market yourself and/or your business? AAUW of Howard County is holding a networking event (open to men as well as women) at Union Jack’s Pub by the Mall of Columbia on Tuesday, June 7 from 5:30 to 7:30 p.m. Bring business cards and marketing materials. To register, send $5 to Jennifer Ingram, 5570 Vantage Point Rd., Unit 1, Columbia, MD 21044 by June 1, contact aauwhocomembers@gmail.com, or call (410) 740-4276.

June 5

FEDERAL HILL JAZZ AND BLUES FESTIVAL

Federal Hill, one of Baltimore’s most picturesque neighborhoods, hosts the Main Street Jazz & Blues Festival on Sunday, June 5, from 11 a.m. to 7 p.m. Enjoy the music, food and drink, and games and crafts for the kids. Admission is free. For more information, visit www.historicfederalhill.org.

In 1987, Gordon was one of 15 dancers selected through a national lottery for the 5000th performance of A Chorus Line on Broadway, under the direction of Joseph Papp. “My name was in the lights of the Broadway marquee,” she recalled, and she was quoted (in her maiden name) in a New York Times story about the event: ‘’’Every performer’s biggest dream is some day to be on Broadway,’ said Janet Davidson, who was glad, however, that she got the opportunity now. ‘If they reach 10,000 [performances], I’ll be too old to dance.’” And what does Gordon do now when she’s not performing? “I stay pretty close to home,” she said. Home is in the 50-plus community of Snowden Overlook in Columbia, where she lives with her husband, Neil, 70, a re-

tired furniture manufacturer’s representative, and their cocker spaniel Holly. The Gordons enjoy the community club house gym facilities, working out on the treadmills and ellipticals. And then there are “all those marvelous hiking and biking trails” in the Columbia area. She also relishes visiting stepdaughter Julie Gordon, 44, stepson Jim, 43, and stepgrandson Zack, 10, who all live in Minneapolis.

Future plans? “Keep doin’ what I’m doin’,” Gordon said. “Keep working, keep active, stay busy. And exercising to stay healthy.” For more on Gordon and the Capitol Steps, check out the website, www.capsteps.com. Anne Ball is a freelance writer living in Spencerville.

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

Travel Leisure &

Hike, fish, boat and relax in the cool Adirondacks. See story on page 27.

Living the good life in the heart of Italy neighbor, Tuscany. Our villa in Monte Santa Maria Tiberina, which the bride found through Homeaway.com, was the perfect base for exploring this region known as “the green heart of Italy.” The villa was a stunning rehab of a 16thcentury home once owned by the Prince of Milan. It had several bedrooms, spacious common areas, Internet access, a gigantic kitchen with modern appliances, and a two-tiered backyard with a pool overlooking the hills. (For smaller parties or shorter stays, try an “agriturismo” — essentially an Italian bed-and-breakfast.)

By Kathy Matheson MONTE SANTA MARIA TIBERINA, Italy — As we turned off the main street onto an unpaved local road, I glimpsed a stone tower jutting up from a distant hill. It seemed impossibly high from our vantage point — were we really headed up there? Where else could this road lead? It was late May, and I was traveling with two friends to a destination wedding in the tiny town of Monte Santa Maria Tiberina, about halfway between Rome and Florence. The happy couple had rented a villa there for about 18 guests and would be getting married on the grounds. As our little car powered its way up the mountain, the altitude started to make sense. Earlier in our drive from Rome to the Umbrian countryside, we had gasped from afar at the beautiful hilltop town of Orvieto as we sped up the A1, the main north-south highway in Italy. Breathtaking views of stone buildings perched above green valleys would be repeated throughout our five days in Umbria, which boasts beautiful landscapes, terrific food, impressive art and architecture, and a wealth of history. Umbria plays the subtly gorgeous girlnext-door to its more famous celebrity

Visiting Assisi

One of my favorite day trips from our villa was to Assisi, home of St. Francis (San Francesco), Italy’s patron saint. The immense basilica built in his memory is a major pilgrimage site — his remains are on the lower level — and a marvel of ornate frescoes, including Giotto’s “The Life of St. Francis.” Dress modestly (no shorts or tank tops) or you’ll be turned away. The town also boasts a medieval fortress, other churches (St. Clare is buried in one) and many upscale shops and eateries. Ironically, while St. Francis renounced his worldly possessions in a search for God, you can buy all kinds of saintly keepsakes — including a miniversion of his signature sandal on a keychain. We also stopped in nearby Perugia. The Umbrian capital is a university town and home of the Galleria Nazionale, the region’s main art museum. History buffs might seek out Etruscan treasures like the municipal well and Porta Marzia (Mars Gate), both of which date to the 3rd century B.C. My guidebooks had hyped the city’s main piazza and fountain but, while perfectly nice, they weren’t all that exciting. The pedestrian-only Corso Vannucci is great for strolling and people-watching; it’s lined with shops and cafes and has a nice overlook at the end. Just outside the city is San The 540-foot-high Marmore waterfall in Umbria was Sisto, where Perugina chocobuilt 2200 years ago to divert stagnant river water late is made. You can tour the down a cliff to another river below.

Nestled in the green hills of Umbria, the town of Assisi was home to St. Francis, Italy’s patron saint. The town includes a large basilica built in his name, along with a medieval fortress.

factory where it manufactures its signature Baci (“kisses”) hazelnut chocolates. Each fall, Perugia hosts the Eurochocolate festival (this year, from Oct. 14-23). On another day, as I ran errands with the bride in charming Citta di Castello, our friends drove to Gubbio. Turns out they just missed the town’s biggest festival, the centuries-old Corso dei Ceri (Race of the Candles). Held each May 15, thousands watch as teams carry giant wooden dowels (“candles”), representing saints, in a foot race through town. Still, our friends said the town remained draped in flags and overrun by people in colored costumes — perhaps gearing up for the next weekend’s annual festival, a crossbow competition with the nearby town of Sansepolcro. I’ve since realized that we should have stopped in Orvieto — and not just because of its famous native white wine, Orvieto Classico. Its cathedral (duomo), whose facade is covered in brightly colored mosaics, is universally regarded as one of Italy’s most beautiful. But no matter which town you visit, the real enjoyment comes from soaking up the atmosphere: Wandering narrow streets and winding stairways, treating yourself to coffee or gelato at an outdoor cafe, admiring scenic vistas and architecture, or shopping at farmers markets that offer every-

thing from seasonal produce (fresh truffles!) to flowers, cheeses and meats.

Navigating rural roads I was nervous about driving in Italy, but I’m glad we rented the car. Train travel among these cities is not efficient. Just remember to keep right on the highway unless you’re passing. You have never truly been tailgated until you accidentally stay in the left lane too long on the A1. Navigating was fairly easy: Follow the signs to the city you want, then follow the bulls-eye “centro” symbol to get to the town center. Some parking areas are situated below the town centers and offer escalators, elevators or funiculars to take you up. Also, practice driving a stick shift before you get here. It’s difficult and expensive to rent an automatic. If you’re not good with a clutch, you’ll hate stopping and starting on these hills, especially in traffic. A fine surprise along the A1: The unappetizingly named Autogrill rest stop eatery chain was terrific. Pasta bar. Carving stations. Melon and prosciutto. Fresh mozzarella. Glasses. Silverware. Even singleserving bottles of wine bottles (for passengers, I’m sure). The New Jersey Turnpike should be so blessed. On our drive back to Rome, we took a See ITALY, page 27

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

NY’s Adirondacks for cool summer action

Italy From page 26 slightly different route and said farewell to Umbria with a stunning view of Todi. We then dropped off the car at the airport and took a taxi back to Rome for a whirlwind 10-hour sightseeing jag. After watching our cabbie maneuver through hordes of urban scooter riders, I

Sagamore. Starting in Albany and heading north, you find yourself moving from bustling to quiet, from beach town to wilderness, enjoying declining gradations of busyness and deeper immersion in nature as you go. Just four hours north of New York City, Adirondack Park, established in 1892, is the largest park in the U.S. It covers 20 percent of the state of New York, spanning six million acres. It is actually a patchwork of public and private lands, a unique blend in ownership as well as habitats — granite peaks, crystal clear lakes, sparkling streams, vast dense forests, quiet wilderness trails and many small communities. Throughout the Adirondack region you’ll also find 1,300 miles of roads, over 2,000 miles of hiking trails, and 6,000 miles of rivers. It’s known for its looming mountains: 42 of them over 4,000 feet. While July and August are known for their perfect weather, beware of June’s black fly season.

Lake George Among the many pearls in the southern Adirondacks region is Lake George, an azure, 32-mile long lake. First, though, you must get past the ticky-tacky town of backto-back souvenir shops, beach bars, strip was so grateful we ditched the car before coming to Rome. Stick-shift expert or not, when in Rome, let Romans do the driving. For more information about Umbria, visit www.italiantourism.com/umbria.html. Umbria is less than three hours by car from Rome via the A1. Air France has the lowest roundtrip fares to Rome in July, $1,337 from BWI Marshall Airport. — AP

PHOTO COURTESY OF WWW.VISITLAKEGEORGE.COM

By Glenda C. Booth Last August, as most of the Eastern U.S. sweltered, I was experiencing the cool days and nights of the Adirondack Mountains in upstate New York, serenaded by the haunting call of the loons, which alternates between a watery yodel and a wavering tremolo. Tuberculosis patients once went to the Adirondacks “to take the cure.” Today, a few days in the Adirondacks can surely cure the stressed out, technology-addicted and rat-racing urbanite. Rob Surovell has been summering in the Adirondacks for 60 years. “I find the changing of the seasons, the continuity of life of the forest, the ducks and loons and other creatures all comforting, calming and quite beautiful,” he said. Erinn Madden, mother of four, finds the Adirondacks a good family vacation venue, where children can “enjoy the outdoors, make their own fun, help the family with meals, and spend more time together without the distractions of our typical daily life.” Artists, photographers, hikers, sportsmen and adventurers of all types have long enjoyed the region’s beauty. In the late 1800s, the Gilded Age, wealthy tycoons like the Vanderbilts vacationed in luxurious wilderness estates like Great Camp

Visitors can take a speed boat ride or more sedate cruises to explore the 32-milelong Lake George in upstate New York’s Adirondack region. The lake boasts 365 islands.

malls and motels. Thankfully, the lake’s east side is protected from development and 170 of the lake’s 365 islands are state owned. And if you’re not all that into nature’s wonders, or are traveling with grandchildren, the town of Lake George is the place to be.

The House of Frankenstein Wax Museum, Great Escape and Splashwater Kingdom Fun Park (a theme park of roller coasters and 125 rides), Waterslide World (12 acres of 35 slides, a wave pool and kidSee ADIRONDACKS, page 28

C GS Coalition of Geriatric Services

Annual Meeting with Special Guest Speaker and Hot Breakfast Buﬀet Wednesday, June 22, 2011 8:00 – 10:00 a.m. Location: Heartlands Senior Living Village, 3004 North Ridge Road, Ellicott City, MD 21043 Cost: $35 Members and Guests. Registration Required. Go To www.cogsmd.org to register. COGS is an organization of senior care professionals working to improve the lives of seniors in our community. If you are a professional senior care provider and would like membership information, please email us at info@cogsmd.org For more information email COGS Administrator at info@cogsmd.org or visit our website at www.cogsmd.org Coalition of Geriatric Services, Inc., P. O. Box 2131, Ellicott City, MD 21041

COGS Sponsors It is with great pride and pleasure that we recognize the following organizations and individuals for their commitment and support of the Coalition of Geriatric Services:

Platinum Sponsor Howard County General Hospital – A Member of Johns Hopkins Medicine

Look for our discounts on Goldstar.com!!!!

Gold Sponsors Being There Senior Care Howard County Oﬃce on Aging Visiting Angels

Silver Sponsors Bayada Nurses

Carney, Kelehan, Bresler, Bennett & Scherr, LLP Dr. Dan Storch Deborah Herman, CPA Ellicott City Health & Rehab – A Communicare Health Facility Gary L. Kaufman Funeral Home at Meadowridge Memorial Park The Beacon Bronze Sponsors Felinton Elder Law and Estate Planning Centers

Gentiva Health Services Homewatch Caregivers MedOptions Morningside House of Ellicott City Professional Healthcare Resources/PHR Somerford Place Transitions Healthcare Vantage House Retirement Community Earl Wilkinson, M.D., ENT.

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Adirondacks From page 27 die pool), Dr. Morbid’s Haunted House and Goony Golf offer plenty of in-town diversions for the wilderness challenged. Summer traffic can crawl through town, so the hop-on, hop-off Village Trolley from Bolton to Glens Falls is a sensible alternative to driving. There is music most summer nights, fireworks on Thursdays, and a theater festival in July. Try the walking tours around the village and lake. Million Dollar Beach on the south end, a short walk from town, is free with picnic facilities, a bathhouse and lifeguards. On the many lake cruise choices, you can have meals and fireworks or take in the old estates along the shoreline. Invoke the spirit of James Fenimore Cooper at the Fort William Henry Museum (www.fwhmuseum.com), a reconstruction of the 1755 fort originally built by the

British, used in the French and Indian War, and featured in The Last of the Mohicans. Guides in 18th century military attire lead tours of the barracks, dungeons, an Iroquois longhouse and artifacts from the original fort. You can study ice harvesting, logging and more local history at the Lake George Historical Museum. A drive up Prospect Mountain to 2,021 feet will introduce you to the Adirondack peaks and dramatic views of the region’s lakes and mountains — the splendor awaiting further north and west.

A Rockwellian village Twenty-five miles further north, Schroon Lake is a sleepy village that is “turned up to medium” in the summer. On its one-mile-long main street (Route 9), you won’t see rowdy teens, thrill rides or glistening bikini-clad bodies. It’s more like a Norman Rockwell painting. “There’s a real sense of community here

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

and we don’t lock our doors,” said Alex Gillman who lives there six months of the year. Stop by the Schroon Lake Chamber of Commerce at 1075 Main Street for a calendar and visitor information. Fran Williford, who has lived there 53 years, will brief you on many local visitor treats. (Of course, you can also get this information ahead of time at www.schroonlakechamber.com.) Be sure to ask about the Pontoon Boat Ride led by Laura Donaldson, a living encyclopedia of local lore. You can do-si-do with the best at the town’s Wednesday night square dances. At the Monday farmers’ market, indulge in regional favorites like blappleberry pie (blueberries, apples, strawberries and raspberries) with crumb topping. The Towne Store is the place to get black bear and antler knickknacks, Adirondack décor, sweatshirts and supplies, and check out the artisans’ co-op upstairs for handmade crafts and art. While away a few hours at the Historical

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Museum where you can examine local artifacts, including items from some of the grand hotels like Scaroon Manor, which closed in 1960. When you spot the 50-foot chair outside the Adirondack Rustics Gallery on the south end of town on Route 9, park and go inside for original “forest-inspired” furniture by Barry Gregson. He makes everything from hardwoods and naturally bent roots, limbs and burls (nothing is bent by hand or forced), with and without the bark on. For a real down-home meal, try Pitkins for breakfast or lunch, a favorite eatery decorated with gingham curtains, painted saws and taxidermied northern pike and tiger musky caught by the owner. Be prepared for big dollops of whipped cream. Drake’s Restaurant is a comfy family spot for soups, seafood, steaks and pasta. Don’t leave without sampling Drake’s claim to fame and number one selling dessert —Ticonderoga Bread Pudding oozing with Drake’s own warm whiskey sauce. Check with the Chamber of Commerce (www.schroonlakechamber.com) for lodging information. Reservations are advised. There are no lakeside B&Bs, but several in town, as well as motels and rental cabins. Getting outdoors is what it’s all about in the Adirondacks. The marina on the north end of town rents canoes, kayaks, motorboats and pontoons. Then you can get on Schroon Lake free from two boat launches. The Towne Store will transport canoes and kayaks for self-guided tours on the Schroon River. To plunge into the wilds, pick up a brochure for nearby hiking trails and fishSee ADIRONDACKS, page 29

BEACON BITS

June 1

LUNCH IN BUCKEYSTOWN

Join others age 55 and up for lunch at Alexander’s in historic Buckeystown. Sponsored by Howard County Recreation & Parks, the trip is on Wednesday, June 1 starting at 9:30 a.m. The fee is $83. For more information or to register, call (410) 313-7279.

June 4

STATUE OF LIBERTY AND ELLIS ISLAND TRIP

Take a daylong bus trip to the site where so many immigrants first set foot on American soil on Saturday, June 4 in a trip sponsored by Howard County Recreation & Parks. The fee is $130. For more information, call (410) 313-7279.

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

Adirondacks From page 28 ing, hunting and guide services. Fort Ticonderoga, at the southern end of Lake Champlain and once called “Key to the Continent,” is an easy day trip from Schroon where you will see weapons, tools, uniforms and documents from colonial and revolutionary days. Catch a fifeand-drum concert or drill.

Low-key Long Lake An even more scaled-down lake and town destination about 50 miles west is Long Lake, a widening of the Raquette River. The lace-curtained, all-wood Adirondack Hotel, first built in 1853 (rebuilt in 1899 after it burned down), recalls the glory days of the Adirondack lodge. There are 18 rooms (some with a shared bathroom) and one apartment with a kitchen. There are no telephones or televisions in the rooms. The Victorian dining room serves lunch and dinner, but the real treat is soaking up the mountain air on the wraparound porch. In the summer, there are seaplane rides, boat tours, concerts and boat races. Satisfy your sweet tooth at Custard’s Last Stand with ice cream flavors like Key Lime Pie, Adirondack High Peaks, Adirondack Black Bear, or the best seller, Holy Cow (peanut butter swirl).

Long Lake is a convenient jumping off point for visiting several renowned sites. Nine miles away is the world-famous Adirondack Museum at Blue Mountain Lake. Allow at least three to four hours to explore the 22 buildings on 32 acres featuring 100,000 artifacts depicting many aspects of Adirondack life, history and culture. You’ll see a restored Victorian cottage, a typical 19th century resort hotel room, a hermit’s camp, and learn all about logging. Visit www.adirondackmuseum.org for programs. A lesson in Adirondack ecosystems awaits at the 54,000-square-foot Wild Center in Tupper Lake, 22 miles from Long Lake. There, a 31-acre campus on a former gravel mine is home to over 900 live animals, including river otters, turtles, birds and other critters. There’s also a glacial ice wall, an indoor river, and hiking trails. By definition, being in the Adirondacks in the summer means getting outdoors — hiking, canoeing, rafting, fishing and camping. Visitor Marfé Delano sums up the attraction: “I love the deep, cool, quiet greenness and the smell of pine needles. I love kayaking on the crystal clear lakes and hiking in the mountains.” All are cures for sure.

ways has flights from BWI to Albany, N.Y. via LaGuardia for around $206. If you prefer the train, the closest Amtrak station to Lake George is Fort Edward, 15 miles south. From the train station, Greater Glens Falls Transit operates two services. Most direct is a shuttle from the Fort Edward train station to Lake George village. This must be reserved at least two days in advance and costs $20 per person each way. Alternatively, it also offers hourly bus service from the Amtrak station to Lake George village, requiring a transfer at Glens Falls to the trolley to Lake George; $2 per person one way. For reservations or info, call (518) 792-1085. In addition, Enterprise and Hertz have car rental outlets in Glens Falls.

For more infor mation about the Adirondack region in general, see the following websites: www.adirondacks.org, www.AdirondackExperience.com and www.iloveny.com. For the Lake George Chamber of Commerce, visit www.lakegeorgechamber.com or call (518) 668-5755 or 800-805-0059; for Schroon Lake Chamber of Commerce, www.schroonlakechamber.com, (518) 5327675; and for Long Lake Parks and Recreation, www.MyLongLake.com, (518) 6243077. For whitewater rafting near the towns in this article, try Wild Waters Outdoor Center in Warrensburg, www.wildwaters.net, 1-800-867-2335. Glenda C. Booth is travel writer living in Alexandria, Va.

ANSWERS TO SCRABBLE

ANSWERS TO CROSSWORD

If you go Albany is the closest airport, 55 miles south of Lake George. In mid-July, US Air-

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Puzzle Page

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

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

23 28

32 38

49 54

42 45

JUMBLE ANSWERS

Scrabble answers on p. 29.

Jumble Answers Jumbles: SMOKY BLIMP POISON ELICIT Answer: what the band considered the skinny guitar player - SLIM PICKIN'S

Across

Down

1. Recipient of TARP bailout funds 5. Narc’s discovery 8. The Love Boat’s bartender 13. Aquatic Monster, with 35 Down 14. Shrinking Asian sea 15. Soup of the day, maybe 16. Scintilla 17. NFL head coach Jim, or his son, NFL head coach Jim 18. “A rusty nail placed ___ faithful com pass, will sway it from the truth”: Walter Scott 19. The architects’ favorite meal 22. Hurry up 23. Toward the sunrise 24. Contractor’s guess (abbrev.) 25. Crop in the architects’ garden 30. Be in the red 31. Partner of -ites and -ers 32. ___ and shut case 36. Diplomacy 38. Modify a financial report 41. Picnic crashers 42. Marquis de ___ 43. Part of T.G.I.F. 44. The architects’ doodles 49. Weep 52. The first name of the First Lady of Song 53. Big Mac component 54. The architects 60. W.W. II nautical menace 61. ___ mortals 62. The 2nd or 4th of Henry VIII 63. Type of pollution 64. Harry, Albert, Sam, and Jack Warner 65. “___ first you don’t succeed...” 66. Tenth US president 67. Mach 1 breaker 68. What a detective connects

1. Superficially smooth 2. Anchor 3. Overture follower 4. Latin dance 5. Ont. or B.C. 6. Subject of What Color is Your Parachute? 7. Two-dimensional 8. Strike a match 9. Canal to the Red Sea 10. Astonish 11. Cadabra lead-ins 12. Roll downhill 14. Experts at division 20. New Zealanders 21. Trident-shaped letter 25. Furniture store offering 26. Bed size 27. Monthly expense, for many 28. Ideal dir. from home plate to second base, per MLB rules 29. Drunkard 33. K-K-9-7-3, for example 34. The far end of a kitchen 35. See 13 Across 37. Twisting road 38. UK military branch 39. Items in a rations kit 40. Smooth transition 42. They may have three axels 45. Wobble 46. Feeling queasy 47. Ascends Everest 48. Outstanding 49. Knievel event 50. “That sounds great” 51. Prepare a steak 55. ___ of use 56. Race pace 57. What a detective gathers 58. Tiny irritant 59. Realigns pins

Answers on page 29.

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

CLASSIFIEDS The Beacon prints classified advertising under the following headings: Business & Employment Opportunities; Caregivers; Computer Services; Entertainment; For Sale; For Sale/Rent: Real Estate; Free; Health; Home/ Handyman Services; Miscellaneous; Personals; Personal Services; Vacation Opportunities; and Wanted. For submission guidelines and deadlines, see the box on the bottom of this page. CAVEAT EMPTOR! The Beacon does not knowingly accept obscene, offensive, harmful, or fraudulent advertising. However, we do not investigate any advertisers or their products and cannot accept responsibility for the integrity of either. Respondents to classified advertising should always use caution and their best judgment. EMPLOYMENT & REAL ESTATE ADS: We will not knowingly or intentionally accept advertising in violation of federal, state, and local laws prohibiting discrimination based on race, color, national origin, sex, familial status or handicap in connection with employment or the sale or rental of real estate.

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LEISURE WORLD® - $119,500. 2BR 1 FB “Hampton” model with access to Broadwalk. Wood floors, upgraded carpet, recent updates. 1200 sq ft. Stan Moffson, Weichert Realtors, 301-928-3463.

LEISURE WORLD® - RENTAL $975. 1BR + Den, 1 FB “Arbor” model. Walk-in closet, washer and dryer in unit. 803sq ft. Stan Moffson, Weichert, Realtors 301-928-3463.

HIGHEST CASH PAID FOR ANTIQUES AND COLLECTIBLES. Compare my price before you sell! Serving entire metro area. Call for a free consultation, and professional service. I will purchase one piece or your entire estate. Including Furniture, Artwork, Glassware, Jewelry, Rugs, Costume, Gold and Silver, Watches, Sterling Items, Flatware, Lladro & Hummel Figurines, All Military Items, Guns, Swords, Helmets, Bayonets, Medals, Scout Items, Clocks, Music Boxes, Toys, Baseball Memorabilia, Trains, All String Instruments, Including Guitars, Banjos, Mandolins, Fishing Rods and Reels, Lures, Historical Items, American tools, Posters, Outside Iron Furniture. I am a very reputable dealer with two locations in Silver Spring and Bowie, MD. Please call Christopher Keller 301408-4751 or 301-262-1299. Thank you.

LEISURE WORLD® - $123,900. 2BR 2 FB “E” model in “Greens”. Garage. Close to elevator. Enclosed balcony. 990 sq ft. Stan Moffson, Weichert, Realtors, 301-928-3463. LEISURE WORLD® - $154,900. 2BR 2FB “H” model in “Greens” with GARAGE + storage room, upgrades throughout, lots of light. 1225 sq ft. Stan Moffson, Weichert, Realtors, 301928-3463. LEISURE WORLD® - $174,471. 2BR 2FB 1HB “Berkeley condo. Upgraded throughout, golf course view. New windows, new HVAC. 1445 sq. ft. Stan Moffson, 301-928-3463. LEISURE WORLD® - $199,000. 2BR 2FB E” model in “Villa Cortese”. Table space kitchen, enclosed balcony with view of trees and park. Extra storage. 1350 sq ft. Stan Moffson, 301328-3463.

Business & Employment Opportunities BATH FITTER® THE NATIONAL LEADER IN THE ACRYLIC TUB LINER INDUSTRY IS SEEKING MARKETING REPS. GREAT PAY + COMMISSIONS. CALL TIM 410-808-6318.

LEISURE WORLD® - $58,500. 2BR 1 FB “Carlyle” model coop. Renovated, new appliances, new windows. 1035 sq ft. Stan Moffson, Weichert, Realtors 301-928-3463.

NURSING GRAD (MSN) student & licensed, experienced CNA seeks full-time overnight caregiving position. Pet-friendly with stellar references. If interested, call 301-787-3555.

For Rent/Sale Real Estate LEISURE WORLD® - $117,000. 2BR 2 FB “F” in “Greens”. Close to elevator, table space kitchen enclosed balcony, extra storage, golf course view. 1120sq ft, Stan Moffson, Weichert, Realtors 301-928-3463.

LEISURE WORLD® - $84,900. 1BR 1FB “A” model in “Fairways”. New paint and carpet, new countertop. Great view. Close to elevator. 850 sq ft. Stan Moffson, Weichert, Realtors 301928-3463. LEISURE WORLD® - $89,000. 1BR 1 FB “A” in “Greens”. New paint and carpet, view of trees enclosed balcony, close to elevator. 850 sq ft. Stan Moffson, Weichert Realtors 301-9283463. LEISURE WORLD® - $99,000. 2BR 1 FB 2 HB “Berkeley” townhouse with new appliances, fresh paint and carpet, custom Florida sunroom. 1600 sq ft, Stan Moffson, Weichert, Realtors, 301-928-3463.

Wanted OLD HIFI, STEREO EQUIPMENT PreAmps, Amplifiers, Tuners, Large Old Speakers, James B Lancing, Altec, Tannoy, Quad, Basement-Garage-Attic. Honest Pricing. Please Call Alan 240-478-1100. STAMP COLLECTIONS, AUTOGRAPHS purchased/appraised – U.S., worldwide, covers, paper memorabilia. Stamps are my specialty – highest price paid! Appraisals. Phone Alex, 301309-6637. Stampex1@gmail.com.

URBAN DANCE SHOWCASE Expert dancers perform sophisticated Chicago Steppin’ and Urban

Ballroom dancing, featuring a professional dance instructor. Give it a whirl on

Thanks for reading!

BEACON BITS

June 4

TAKE YOUR GRANDDAUGHTER Have lunch and shop at the American Girl store in New York City

on this trip sponsored by Howard County Recreation & Parks on Saturday, June 4 from 7 a.m. to 10 p.m. Participants must be age 5 and up. The fee is $89 per person. For more information, call (410) 313-7279.

June 8

TEA IN THE TOWER Take an architectural/history tour of the National Cathedral in Washington, D.C., ending with tea in the observation gallery on

Wednesday, June 8 from 11 a.m. to 6 p.m. Ages 55+. The cost is $69. To register, contact Howard County Recreation & Parks at (410) 313-7279.

June 22

PLAN A CRUISE WITH THE FAMILY Learn why cruises have multigenerational appeal and what makes each cruise line unique at a discussion on Wednesday,

June 22 at 7 p.m. at Glenwood Branch Library, 2350 State Route 97, Cooksville.

BEACON BITS

June 8

For Rent/Sale Real Estate

LEISURE WORLD® - $219,000. 2BR + den, 2FB “R” model in “Fairways”. Ceramic tile enclosed balcony, table space kitchen, garage parking, new carpet. 1420 sq ft. Stan Moffson, Weichert, Realtors,301-928-3463.

Caregivers

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June 23

RIVERBOAT CRUISE Cruise down the Eastern Shore’s Choptank River on a paddlewheel river boat on Thursday, June 23 from 9 a.m. to 5 p.m. The

cost is $84. To register, call Howard County Recreation & Parks, (410) 313-7279.

Wednesday, June 8 at 7 p.m. at Central Branch Library, 10375 Little Patuxent Parkway, Columbia. Call (410) 313-7800 for more information.

June 16+

ARTFUL JOURNALING Create a journal that will serve as a lasting record of your unique perspectives through creative writing and visual expression tech-

niques. The nine-week course costs $75 plus materials and will be held at the Bain Center, 5470 Ruth Keaton Way, Columbia. The first class is Thursday, June 16 from 9:30 a.m. to noon. For additional information or to register, call Howard County Recreation & Parks at (410) 313-7279 or (410) 313-7275.

June 17+

WATERCOLORS CLASS Take a nine-week watercolor course with artist Carol Zika. The class is designed for beginners, but all are welcome. It will be held

at the East Columbia Senior Center, 6600 Cradlerock Way, Columbia. The first class is Friday, June 17 from 1 from 3:30 p.m. The course fee is $75. For additional information or to register, call Howard County Recreation & Parks at (410) 3137279 or (410) 313-7275.

TO PLACE A CLASSIFIED

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

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

Send your classified ad with check or money order, payable to the Beacon, to:

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

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“A Concert and Dance to End Alzheimer’s” Raises More than $10,000 Playing to a full house, the Olney Big Band, the Eubie Blake Jazz Ensemble and the M Street Brass Quintet dazzled a crowd of more than 200 people gathered in Clarksville's Ten Oaks Ballroom for "A Concert and Dance to End Alzheimer's" on May 1. Produced by James Hubert Blake High School Senior Ashley Larkin in partnership with Brooke Grove Retirement Village (BGRV), the event raised more than $10,000 for the Alzheimer's Association.® "We laughed, we cried, we reveled in the joy of music, and we celebrated the opportunity to support a very worthwhile cause," remarked one guest. “It was a remarkable, hopefilled occasion.” Guests wiped away tears as Ashley shared stories that expressed her love for her grandfather, "Pappy" Paul MacKenzie, who participates in BGRV’s memory support program as a resident of The Meadows assisted living and is the inspiration behind the event. When Pappy himself arrived at the ballroom, smiles returned in abundance at the touching sight of the pair sharing a hug and a dance. In the two weeks prior to "A Concert and Dance to End Alzheimer's," Ashley and Pappy were featured in the "Olney Gazette" as well as on WUSA 9 News. "He really helped raise me. He was really such a big figure in my life," said Ashley when interviewed by Channel 9 reporter Peggy Fox. Now that Pappy has Alzheimer's, he sometimes forgets who his family members are, but when Ashley sings, the deep and loving connection between them

Ashley and Pappy share a tender moment during a pre-concert interview by reporter Peggy Fox of WUSA 9 News.

returns. That led to Ashley’s determination to make a difference in the fight against Alzheimer’s. An aspiring opera singer, she formulated the plan for the day’s event in Pappy’s honor and also sang with each of the bands. “All that matters is that he knows he’s loved … he’s still the same person who came to all my basketball games and everything else I did,” she concluded. The statistics are sobering. There are currently 5.4 million Americans with Alzheimer's disease. It is the sixth-leading cause of death, killing more Americans than diabetes and more than breast cancer and prostate cancer combined. Since 2000, other major disease death rates have declined, but Alzheimer's rates have increased 66%. In fact, it is the only top 10 cause of death without a way to prevent, cure or even slow its progression. Nevertheless,

there is reason for hope. “Ashley represents the future of the fight against Alzheimer’s,” noted Danielle Otsuka, development director, Alzheimer’s Association® National Capital Area Chapter. “Not only did she eloquently state the impact that the disease has on the entire family, but she is doing something about it! We are so thankful and encouraged by the number of younger people that are getting involved. Young people like Ashley are the leaders of the movement tomorrow.”

A long-time supporter of the Alzheimer’s Association®, BGRV was the top local team fundraiser for the Walk to End Alzheimer’s for the past three years. “We are grateful to the many sponsors and donors who contributed to the success of ‘A Concert and Dance to End Alzheimer’s’ and to all of the band members who donated their time and talents,” said Toni Davis, BGRV’s director of marketing. Sponsors included Morgan-Keller Construction (diamond) and The Beacon (gold).

For more information about Brooke Grove, call today! 301-260-2320 or 301-924-2811 www.bgf.org 18100 Slade School Road • Sandy Spring, MD 20860