October 2014 | Howard County Beacon by The Beacon Newspapers

The Howard County

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More than 30,000 readers throughout Howard County

A couple of city leaders, literally PHOTO COURTESY OF THE COLUMBIA ASSOCIATION

By Rebekah Sewell After 10 years of marriage, Milton Matthews and his wife Barbara are once again scheduling mid-week date-nights. Otherwise, they tend to see each other only on weekends: Barbara lives in Rockville, Md., and Milton lives in Columbia. The reason for their two households is not personal but business. They both live where they do because their jobs require it. Milton was recently named president and CEO of the Columbia Association, a position for which he must live within city limits. Just last year, Matthews stepped down after nine years as CEO of the Reston Association in Virginia because Barbara became city manager of Rockville, and she also was required to live where she worked. At the time, they both moved from Virginia to Maryland. Becoming president of Columbia Association was unexpected. “It was not on my radar,” Milton said. “When this came up, I talked to Barbara. We knew there would be a residency requirement, but she said, ‘if your desire is there, go for it.’” Milton, 60, had been a finalist for the position of CEO of the Columbia Association five years ago, before he was named CEO of the Reston Association. But the position here opened up again this spring. Like Reston, Va., Columbia is a planned community. Both were designed and built by developers whose vision included a town center around which neighborhood “villages” were built, all with a view to creating a high quality of life for residents. The Columbia Association (CA) is the nonprofit association that manages the community. It is funded through assessments of Columbia’s residential property owners as well as fees collected from its large array of recreational facilities throughout the area. Its annual budget exceeds $60 million. On its board sit representatives of Columbia’s 10 self-contained community associations. In addition to supporting the village association with part of its revenues, the CA maintains 3,500 acres of public spaces and owns and operates numerous community facilities, including an art center, fitness clubs, 23 swimming pools, and various sporting arenas, including an ice rink and

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The Berkshires — like living in a Norman Rockwell painting; plus, what to expect at New York’s 9/11 memorials page 26

ARTS & STYLE

Milton Matthews, the former CEO of the Reston (Va.) Association, recently became president and CEO of the Columbia Association, the planned community’s nonprofit community association. The organization has a budget exceeding $60 million, and manages Columbia’s public spaces, recreational facilities and more.

Pianist Menahem Pressler, a world-renowned soloist, performs Oct. 18; plus, how you can help protect the local watershed page 28

horse center. It also offers many programs, including lakefront concerts, summer camps and volunteer opportunities to enhance the quality of life for its residents.

INNOVATIONS k Tech that keeps you safe k A library in your pocket

FITNESS & HEALTH k A pill that can end allergies? k Exercise and meditation

Getting into governance Milton Matthews grew up on Virginia’s eastern shore, in a small town called Temperanceville. He originally didn’t think he would work in local government. “I thought I wanted to be in the military,” he said. Matthews was raised by his great grandparents and was the oldest child in a large family. He was always an athlete, and has remained a sports lover ever since. “In high school, I played football, basketball and baseball. Then I got to college, and I ran

track because I was told, ‘You aren’t big enough to play football,’” he laughed. Matthews discovered his career calling during his senior year at Virginia Union University, where he earned a bachelor’s degree in government and history. “I had an adjunct professor whose day job was city manager of Richmond, Va.,” he said. “He brought [to students] the practical aspect of local government. I was impressed by his everyday responsibilities and how each day was so different,” Matthews said. He went on to earn his master’s degree in public administration from Syracuse University. He also spent a year in law school at Ohio State, but ultimately left See MATTHEWS, page 14

THE SENIOR CONNECTION 17 k Newsletter for Howard County seniors LAW & MONEY 21 k Benefitting from mergers k How not to outlive your money PLUS CROSSWORD, BEACON BITS, CLASSIFIEDS & MORE

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Get expos-ed in October While the month of May is known as information and giveaways. U.S. Older Americans Month, the month There are also speakers on a variety of of October is the metro area’s topics, including a keynoter Month of 50+Expos. from AARP who will talk Over a 10-day period this about that organization’s “Life October, there will be 5 days Reimagined/Real Possibiliof entertaining and informaties” campaign. tive events within easy drivAnd entertainment happens ing distance of Howard Counthroughout the day, including ty residents who are over 50 two performances by the Capior love someone who is. tal Steps political comedy The first such event haptroupe. It might seem hard to pens Friday, October 17, imagine that there are funny right here in Howard County, FROM THE things to say about today’s poat Wilde Lake High School. PUBLISHER litical climate, but they always The popular 50PlusExpo is By Stuart P. Rosenthal find a way to lighten things up. produced by the county’s DeThe expo runs from 9 a.m. partment of Citizen Services and coordi- to 4 p.m., and there is a free shuttle bus from nated by the Office on Aging’s Health and parking areas at the Columbia Mall. For Wellness Division. more information, look for the announceThis year’s theme is “Your Next Chap- ments and ads in this issue of the Beacon. ter,” as the event promises to get attendees thinking about the many ways one can be- In Baltimore Just a few days after the Howard County come or stay active. Thousands attend the free event each year to speak with repre- event, the Baltimore County Department sentatives of over 150 organizations and of Aging offers its annual two-day extravabusinesses who exhibit and provide free ganza at the Maryland State Fairgrounds

Beacon The Howard County

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

The Beacon, P.O. Box 2227, Silver Spring, MD 20915 (410) 248-9101 • Email: info@thebeaconnewspapers.com Submissions: The Beacon welcomes reader contributions. Deadline for editorial and advertising is the 1st of the month preceding the month of publication. See page 35 for classified advertising details. Please mail or email all submissions.

in Timonium. The Baby Boomer and Senior Expo will take place Tuesday, October 22 and Wednesday, October 23 at the Cow Palace on the fairgrounds. The event features everything but cows. There will be hundreds of exhibitors, numerous speakers and exercise demonstrations, vaccinations and health screenings, an art fair, an employment fair for all ages, and a new Veterans Muster, with resources and referrals for veterans wanting to know more about their benefits. Entertainment includes music for dancing (ballroom, line and square) as well as for listening, including a return of the Drifters, who also performed in 2012. Admission is $2; free with your donation of two cans of nonperishable food. For more information, see the ad on the back page of this issue.

Beacon Expos Last but not least, the Beacon is proud to present our 15th annual 50+Expos, taking place at two nearby locations in Maryland and Virginia. And, unlike the events above, these occur on the weekends, for those of you who may work or are otherwise occupied during the week. From noon to 4 p.m. on Sunday, October 19, our 50+Expo will be at the Silver Spring Civic Center, in downtown Silver Spring. As at the other expos around the region, you can obtain health screenings and a flu shot, pick up information from (and ask questions of) dozens of government agencies and nonprofit organizations, and visit booths of area businesses providing services and products of special interest to older adults and their families. Of course, many of them will also be offering free giveaways and holding prize drawings. And we will have live entertainment and door prizes as well. We are especially excited about this year’s keynote speaker, Robert Fischell. You may remember reading about him on the cover of our May issue. He’s a resident of Howard County, and one of the most prolific inventors of our day. Among his 200+ patents for life-changing and life-saving devices are the first widely-used rechargeable pacemaker, the implantable insulin pump, and the flexible coronary artery stent (more than 10 million have been placed!). Any one of those inventions would earn a person a place in history. And there’s more to come. At the age of 85, he continues to work daily on new advances. His latest FDA-approved treatment, a small device that delivers brief magnetic pulses to the back of the head, has been shown to reduce or eliminate migraine

headaches without pills or side effects. Our keynote topic ties in with the Beacon’s new focus on technology and innovation. You may have noticed we have introduced a new section on these topics. You will find another example of this focus at our Expo: hands-on digital device seminars taught by experts from AARP’s new TEK (Technology Education Knowledge) program. At our Silver Spring event, we will be offering three sessions of training, where each attendee will have their own device for the duration of the class and learn how to use its key features in 45 minutes. You will notice I am being somewhat vague about the “device.” That’s because we hope (but cannot yet be sure) to be introducing at our Expo the brand-new AARP “RealPad” tablet — a device geared to older adults who have not yet become comfortable with iPads or other widely marketed tablets. The tablet is preloaded with applications and instructional materials designed specifically for older adults, various “easyfix” features that require only one click to activate, and comes with 24-hour live tech support. In short, it promises to address many of the fears some of us have about using the latest technology. The existence of the Real Pad was announced publicly only a few weeks ago (September 4), and it will not be available in stores until the end of October. But we are hoping to have an advance supply in time for our October 19 Expo and hope you will join us to get the first hands-on experience with it. If we are unable to obtain these in time for the event, however, the classes will still take place, but with either an iPad or a smartphone. Seating is limited at these seminars. To reserve a place, call the Beacon at (301) 949-9766. Our N. Virginia expo takes place the following Sunday, October 26, again from noon to 4 p.m., on the third level of Ballston Mall (near the movie theatre) in Arlington, Va. Almost everything from our Silver Spring Expo will be found at our Ballston event: nonprofit and government resources, businesses, entertainment, health screenings, etc. We will also have Robert Fischell as our keynote speaker. However, for reasons beyond our control, we will have speakers on technology subjects instead of hands-on digital device classes at Ballston. We hope to have hands-on classes at next year’s event. So much to see and do in October! I hope you will look for the Beacon at all these events, and I invite you to visit one (or both) of our own 50+Expos this year. If you do, please come up to me to say hello.

Letters to the editor Readers are encouraged to share their opinion on any matter addressed in the Beacon as well as on political and social issues of the day. Mail your Letter to the Editor to The Beacon, P.O. Box 2227, Silver Spring, MD 20915, or e-mail to barbara@thebeaconnewspapers.com. Please include your name, address and telephone number for verification.

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Say you saw it in the Beacon

EXPO t 50+ your a m oo et CA’s R 7 to g Visit October 1 y, Frida

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Please visit ColumbiaFit.org for special membership offers or ColumbiaAssociation.org/50Plus for details on CA’ss programs, CA programs classes and events for mature adults. For additional information, please call 410-715-3000.

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Technology &

Innovations Technology that gives you peace of mind By Carol Sorgen said they would be interested in using Using technology to maintain the health such devices. and safety of older adults is not new — med“This technology has been used for a ical alert jewelry, for example, is one exlong time in the professional security inample. But advances in dustry,” said Dr. Boris technology have now Kerzner, medical direcgiven family members tor of Health Trends. and caregivers an op“But it is only now beportunity to monitor ginning to be used to for themselves the monitor the elderly and well-being of the ones the disabled.” they care for. Among the systems A number of inavailable are wireless home safety syshome sensors, GPS tems and personal locator watches with tracking devices the ability to detect Medfolio pill dispenser being offered by Balfalls, medication mantimore-based Health Trends is affording agement systems, easy-to-use wrist blood elders (as well as individuals with disabili- pressure monitors, and remote monitoring ties) the ability to remain in their own home, systems. while providing peace of mind to their family and caregivers. Sensing something amiss According to a survey conducted by With the wireless home sensor system, AARP, being able to remain in their homes for example, up to 10 sensors can be as they age (age in place) is of paramount placed throughout the home. By selecting concern to those 65 and older. While locations such as the bed, the bathroom, awareness of assistive technology is not the stove, the front door, etc., family memyet widespread, those who were surveyed bers, neighbors or professional caregivers

who have been designated to receive Kerzner, who is consulting not only with alerts (via email, text or phone call) can individual families but home health agendetermine if there is a shift in a pattern of cies and assisted living facilities as well. behavior: (“Mom used to get up at 8 a.m., but now she’s staying in bed all morning,” How much does it cost? The equipment is leased, and the monior “Dad hasn’t been to the kitchen today; maybe he’s not eating”). There may be a toring service costs an additional $100 to possible emergency if the sensors have $175 a month. Some costs may be covered by long-term care policies or charitable picked up no motion at all. The notifications can go out to as many programs. According to Kerzner, all of the prodpeople as you would like and in any order. They can also go out to multiple individu- ucts have been tested by Health Trends for reliability, consistency and accuracy. als at one time. “We not only test all the products, In addition to the wireless but provide insight and education motion sensors, door senso you can make the best decisors and lock controls are sion for yourself or your loved available, as are refrigeraone.” tor door sensors, surface For more information about and area temperature the company, call (410) 484-9400 sensors (so a stove, for or visit www.healthtrends.us.com. example, could be turned For more information on home off automatically), video monitoring and other useful techsurveillance, and wearable health- or location-alert per- Trilock GPS watch nologies for aging in place, see “High-tech gadgets monitor safety at home” sonal emergency response solutions. “The devices can be customized for the and “Gadgets to consider” in the Housing & individual living situation, and can be Homecare Options section of the July Baltiadded on to as conditions change,” said more Beacon.

Say you saw it in the Beacon | Technology & Innovations

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at 10375 Little Patuxent Pkwy., Columbia. Registration is required. Call (410)

For free materials on housing communities and health studies, just complete and clip this coupon and mail or fax it to the Beacon.

Housing Communities

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❏ Alta at Regency Crest (see ad on page 6) ❏ Brooke Grove (see ads on pages 11 & 36) ❏ Charlestown (see ad on page 23) ❏ Heartlands (see ad on page 25) ❏ Homecrest House (see ad on page 8) ❏ Paradise Assisted Living (see ad on page 15) ❏ Park View at Colonial Landing (see ad on page 29) ❏ Park View at Columbia (see ad on page 29) ❏ Park View at Ellicott City (see ad on page 29) ❏ Park View at Emerson (see ad on page 29) ❏ Shangri-La Assisted Living (see ad on page 15) ❏ Shriner Court (see ad on page 6) ❏ Somerford Place (see ad on page 12) ❏ Vantage House (see ad on page 7)

❏ 80+ Healthly Volunteer Study (see ad on page 13) ❏ Fall Prevention Study (see ad on page 13) ❏ Memory Problems Study (see ad on page 13) ❏ Parkinson’s Study (see article on page 13)

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313.7800 or go to http://hclibrary.org.

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the Central Branch Library on Tuesday, Sept. 23 at 7 p.m. The library is located

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diabetes, exercise for older adults, hearing loss, lung cancer, prostate cancer, taking medicines, and many more. www.nihseniorhealth.gov

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Dr. Bill Thomas is an international expert on seniors and geriatric medicine, and is the founder of the Eden Alternative and Green House project to transform nursing homes. His blog examines everything from Shakespeare’s old age, to treating dementia with music, to the concept of kindness. http://changingaging.org

Senior health information from NIH

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Changing Aging

change colors. http://manetas.com/pollock

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By Barbara Ruben

or a wheelchair rider’s guide to Los Angeles? This site pulls together dozens of resources to help travelers with disabilities navigate around the world. Look for links to magazines; databases, like the Accessible Vacation Home Exchange; outdoor recreation sites and more, such as Accessible Virginia, a new website about exploring the state. www.travelguides.org

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Beacon Links

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E-book services offer a library of choices By Anick Jesdanun Own a tablet or a smartphone? Then for a few bucks a month, you can have a (virtual) library in your pocket or carrying case. Two startups are trying to do for ebooks what Netflix does for movies: Oyster and Scribd let you read as many books as you want for a fixed monthly price — $10 for Oyster and $9 for Scribd. I was skeptical at first. I can never find enough time to read, and I’m picky about what I do read. I was worried about their

limited book selections. But I found plenty to read in no time, and I found myself reading more than I normally would. There are enough books on these e-book services to keep you busy for years. Oyster has more than 500,000 titles, while Scribd has more than 400,000. These services are great if you have a long weekend or a vacation coming up or, as in my case, three weeks of travels from California to New York. Just don’t think it’ll be the same as walk-

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ing into a library and finding just about any book you want.

How good is the selection? I checked several titles from my wish list and asked colleagues for other suggestions, including a few for kids or in foreign languages. Of the 75 titles I checked, Oyster had 17 and Scribd had 16. For some popular novels, such as The Hunger Games series and The Fault in Our Stars, I got readers’ guides and other companions, but not the actual books. Both services have selected titles from Simon & Schuster, HarperCollins and lots of smaller publishers. But other major U.S. publishers — Hachette, Macmillan and Penguin Random House — remain holdouts. And even when there’s a deal with a publish-

er, newer books tend to be excluded. Avid readers won’t be bored, though. When I signed up, Scribd asked about the types of books I like. Oyster didn’t, but still made good recommendations based on what other subscribers are reading. I quickly found about two dozen books between the two services. Each time I added a title, I got recommendations for more. I just finished books on lobster populations and the Ben & Jerry’s ice cream company. I’m now reading about Lance Armstrong and the doping scandal — another book I wouldn’t have known about if it hadn’t popped up on Scribd. In that sense, both services are much like Netflix. Netflix’s streaming selection See E-BOOKS, page 7

BEACON BYTES

Oct. 24+

HALLOWEEN HAUNTINGS Dead of Night at the Museum, a paranormal investigation at the Howard County Historical Society Museum, 8328 Court Avenue,

Ellicott City will run from 5 p.m. on Saturday, Oct. 25 through 5 a.m. on Sunday, Oct. 26. The excursion is part of the HallowRead Convention for authors and fans of paranormal magazines and merchandise. Events are held at various locations in Ellicott City Friday, Oct. 24 through Sunday, Oct. 26. For a schedule of events and fees, visit www.hallowread.com or call (442) 897-2646.

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Say you saw it in the Beacon | Technology & Innovations

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E-books From page 6 looks poor when you are searching for a specific title, but Netflix is smart enough to recommend enough movies to keep you paying $8 or $9 a month.

You’ll need the apps Neither Oyster nor Scribd works on dedicated e-readers such as Amazon’s Kindle Paperwhite. Rather, you need a device that lets you install apps. Both work on iPhones, iPads and Android devices, including Kindle Fire tablets. Oyster also works on Nook tablets, while Scribd has apps for Windows devices. Only Scribd lets you read on Web browsers on personal computers, though Oyster plans to add that soon. Apps for both services offer features typical for e-books. You can start a book on one device and pick up where you left off on another, though I’ve often run into

syncing problems with both. You can see where you are in a book, change text size and even add notes. The options aren’t as extensive as what I’m used to with Kindle devices and apps, though. Oyster lets you store up to 10 books per device to take with you on the road, while Scribd lets you save up to 20 books. Both services permit reading on up to six devices. Of the two, I like Oyster’s apps and ebook selection better, and it’s been adding features and device support quickly to catch up with Scribd. But it’s also $1 a month more. I tend to prefer distraction-free reading on a dedicated e-reader, but phones and tablets work when I’m able to exercise some discipline from checking email and Facebook. Plus, I’m more likely to be carrying a phone, so I’m able to get reading done while waiting for a bus or tardy friends.

What about Amazon? There are plenty of other ways to get e-

BEACON BYTES

Sept. 29+

BORROWING EBOOKS FROM THE LIBRARY

Learn how to browse, borrow and download eBooks from Howard County Library System’s growing collection. A class for iPad users will be held on Monday, Sept 19 at 7 p.m. at the Miller Branch, 9421 Frederick Rd, Ellicott City. Register by calling (410) 313-1950. A similar class for those with Kindles will take place on Thursday, Oct. 23 at 7 p.m. at the Elkridge Branch, 6540 Washington Blvd. Elkridge. Call (410) 313-5088 to register.

books for free or for a set price. Check your local library for starters. If you have Amazon’s $99-a-year Prime membership, you can read an e-book for free each month if you also have a Kindle device or the Fire phone, though you’re not offered everything that Amazon makes available for purchase. That’s where the new Kindle Unlimited service comes in. The $10 a month Kindle Unlimited lets you download 10 books at a time on up to six devices. Those devices don’t have to be Amazon devices, as Prime requires. But the selection is somewhat limited; I only found six of the 75 books I

was looking for. But Kindle Unlimited beats its rivals in several ways. It has 2,000 audiobooks from Amazon’s Audible business. They’re synchronized to the corresponding books, so if you need to break off reading to drive, you can have the audiobook play instead, starting where you left off reading. Also, Kindle apps are available for a greater range of devices. Oyster works on iPhones, iPads and Android devices. Scribd supports those, plus Macs and Windows devices. Kindle does all that, plus webOS and BlackBerry devices. — AP

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FEELING DIZZY? There are several causes — primarily benign — and treatments for common dizziness

Health Fitness &

EXERCISE 101 How to get started with aerobic exercise, weight training and stretching, as well as meditation PARKINSON’S GENETIC ROOTS A Parkinson’s study that explores a gene linked to Jewish ancestry is looking for participants with and without the disease

New daily tablets may replace allergy shots By Linda A. Johnson For decades, seasonal allergy sufferers had two therapy options to ease the misery of hay fever. They could swallow pills or squirt nasal sprays every day for brief reprieves from the sneezing and itchy eyes. Or they could get allergy shots for years to gradually reduce their immune system’s over-reaction. Now, patients can try another type of therapy to train their immune system — new once-a-day tablets that dissolve quickly under the tongue and steadily raise tolerance to grass or ragweed pollen, much like the shots. “It’s been several decades since the last big breakthrough,” Cleveland Clinic allergy specialist Dr. Rachel Szekely said. The downside: The pills must be started a few months before the grass or ragweed pollen season, which began in August, so it’s too late for this year. In April, the Food and Drug Administration approved two tablets from drug maker Merck & Co. — Grastek for grass pollen and Ragwitek for ragweed — plus a grass pollen tablet called Oralair from Stallergenes SA, a French manufacturer.

The tablets could become popular with people who dislike pills, which can make them drowsy or don’t provide enough relief. They’ll likely appeal even more to patients with severe allergies who fear needles or can’t make frequent trips to the allergist — key reasons that only about 5 percent of U.S. patients who would benefit from allergy shots get them. Meanwhile, new treatments for other types of allergies, including to peanuts and eggs, are in various stages of testing and could turn out to be big advances.

Dust mites, tree pollen and cats Merck has a tablet for house dust mite allergies in final patient testing that could hit the market in two or three years, and it’s considering other therapies. Stallergenes is testing a tablet for birch tree allergies and, with partner Shionogi & Co. Ltd. in Japan, tablets for allergies to dust mites and Japanese cedar pollen. Britain’s Circassia Ltd. has a cat allergy treatment in final testing and six others in earlier testing. A handful of companies also are looking at possible new ways to administer immunotherapy, including drops under the

tongue, capsules and skin patches, said Dr. Linda Cox, former president of the American Academy of Allergy, Asthma and Immunology, and an allergist in Fort Lauderdale, FL. The new tablets are not right for everyone, particularly patients with allergies to multiple substances, Szekely cautioned. That was the case with one of her patients, 10-year-old Samantha Marshall of Mentor, Ohio, who has been getting allergy shots since last fall. “She’s not loving the [shots],” said her mother, Rachel, who recently asked Szekely about switching to the tablets. Szekely explained that shots are more effective because Rachel is also allergic to weeds and dust mites, and the shots she receives are a customized mix of extracts to all those substances.

Differences between treatments Treatment can be tricky because of body chemistry differences and the complexity of the immune system, which is still poorly understood. “You can’t just have one size fits all,” Szekely said. For people with mild hay fever, inexpensive pills that suppress immune chemicals

called histamines work well. Allegra, Benadryl, Claritin and Zyrtec are available without prescription, often competing with store brands. Other patients fare better on prescription pills or nasal sprays. But for patients with severe allergies, those aren’t enough. They suffer — though hardly in silence — or try allergy shots. Rarely, the shots cause systemic allergic reactions, from hives and itching to dangerous airway narrowing, because small amounts of allergen circulate in the bloodstream. That’s why patients must be observed by a nurse for a half-hour after each shot. Allergy tablets are less likely to trigger a dangerous allergic reaction than shots, which have been used for a century, Cox said. In Merck’s testing, about 5 percent of patients experienced tingling, itching or swelling in the mouth or tongue, said Dr. Sean Curtis, Merck’s head of respiratory and immunology research. Less than 1 percent had serious reactions, nearly all See ALLERGY PILLS, page 9

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Allergy pills From page 8 after the first dose. With the new tablets, as they dissolve, the grass extract inside drains into lymph nodes in the neck, which produce protective antibodies against the effects of pollen thatâ&#x20AC;&#x2122;s inhaled or gets in the mouth. Since the extract is unlikely to enter their blood, patients need only be watched the first time, then can take the pills at home.

Pricier than shots However, the tablets are expensive compared with shots: Merck is charging about $8.25 per daily tablet and Stallergenes about $10. Insurers are expected to cover most of

the cost, as they usually do with allergy shots. Shots generally cost only $15 to $25 per visit without insurance, because theyâ&#x20AC;&#x2122;re given by a nurse. Typically, patients get allergy shots of gradually increasing dosage two or three times a week initially, then once a week for up to nine months, then monthly. After three years, at least two-thirds have minimal symptoms, while most of the rest have reduced symptoms. With the tablets, patients start at the top dose, at least three months before allergy season, and continue through the season or even year-round.

Large potential market Prevalence of hay fever in the U.S. has

feeling like you have a cold all the time.â&#x20AC;? Merck has followed study participants through three years of treatment and then two years after that, when patients still reported significantly reduced symptoms. But Cox, the Florida allergist, expects that benefit to last at least eight years after treatment ends, nearly as long as with allergy shots. It wonâ&#x20AC;&#x2122;t be clear whether the tablets will be a hit with patients or big moneymakers for their manufacturers until next spring, when patients and more doctors will be familiar with them. â&#x20AC;&#x201D; AP

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BEACON BITS

Oct. 2

declined slightly since 2000, according to data from the National Center for Health Statistics. In 2012, about 17.6 million adults, or 7.5 percent, reported having hay fever, as did about 6.6 million children, or 9 percent. Millions more donâ&#x20AC;&#x2122;t see a doctor and get by with nonprescription medicines like Benadryl or Claritin. Longtime hay fever sufferer Kim Steen of Sidman, Pennsylvania, participated in one of Merckâ&#x20AC;&#x2122;s studies of the new pills last year. â&#x20AC;&#x153;After the second, maybe third week, I started noticing a difference in the symptoms,â&#x20AC;? said the 41-year-old contracts administrator. â&#x20AC;&#x153;It was pretty significant, not

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A free program of strategies for beating insomnia will be offered by Dr. Luis Buenaver, behavioral sleep specialist at the Johns Hopkins Center for Sleep on Thursday, Oct. 2 from 7 to 8:30 p.m. at the Howard County General Hospital Wellness Center, 10710 Charter Dr., Columbia. For further information or to register, visit www.hcgh.org or call (410) 740-7601.

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O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

Causes, treatments for common dizziness By Paul Takahashi, M.D. Dear Mayo Clinic: I am 68 and have periodic spells of dizziness. They don’t last long, and I don’t seem to have any other symptoms. Should I see a doctor? What might these spells indicate? A: Dizziness is a common problem with many possible causes. They can range from relatively minor issues, such as a certain medication triggering dizziness, to more serious underlying medical problems. When dizziness persists, as in your case, it is a good idea to see your doctor and have the condition evaluated. Although the term “dizziness” sounds

quite specific, there are actually several kinds of dizziness. One involves feeling a loss of balance, as if you’re unsteady on your feet or feel like you may fall. Another includes a sensation of being lightheaded or feeling faint, as if you might pass out. A third is feeling as if you’re spinning or that the world is spinning around you. This type of dizziness is called vertigo. It is helpful for you to be able to describe to your doctor exactly what you’re experiencing during episodes of dizziness. Your description can offer clues to the potential source of the problem. For example, conditions that affect the balance

BEACON BITS

Sept. 30+

BOOST YOUR BRAIN

Dr. Majid Fotuhi teaches you how to improve your brain power at any age. The free three-part series at the Miller Branch Library starts with learning which foods can make your memory sharper and stronger at 7 p.m. on Tuesday, Sept. 30. The Dec. 8 session covers stress and the brain, and Jan. 8 looks at sleep. The library is located at 10375 Little Patuxent Pkwy., Columbia To register, go to http://hclibrary.org or call (410) 313.1950.

Sept. 21

ROBINSON NATURE CENTER OPEN HOUSE

In celebration of its third anniversary, the Robinson Nature Center will hold an open house on Sunday, Sept. 21 from noon to 5 p.m. The event will feature live animal presentations, guided nature walks, and tours of its planetarium and arboretum. The center is located at 6692 Cedar Ln., Columbia. Call (410) 313-0400 for more information.

mechanism in your inner ear frequently lead to dizziness with a feeling of vertigo that happens when you move your head. One such condition is called benign paroxysmal positional vertigo, or BPPV. One of the most common causes of vertigo, BPPV is characterized by brief episodes of mild to intense feelings of spinning. The spinning sensations are triggered by specific changes in the position of your head, such as tipping your head up or down, or by lying down, turning over or sitting up in bed. When you keep your head still, symptoms of BPPV improve. Another frequent cause of dizziness is reduced blood flow to your entire brain. This can be triggered by a common condition known as orthostatic hypotension or postural hypotension. The disorder is a form of low blood pressure that happens when you stand up from sitting or lying down. It often causes brief episodes of lightheadedness just after you stand and improves after you’ve been upright for a minute. Dehydration can also lower blood flow to the brain and lead to dizziness. More serious conditions related to reduced blood flow to the brain include cardiovascular disorders, such as hardening of the arteries, or arteriosclerosis, and heart rhythm problems. A tumor or mass in the brain also can lead to dizziness. If

left untreated, these conditions tend to get worse over time.

May be caused by drugs Some types of prescription drugs can cause dizziness. Some of the common ones include antidepressants, medications that control high blood pressure, sedatives, anti-seizure medications and tranquilizers. A thorough physical evaluation, as well as additional tests and exams based on your situation can help your doctor determine a diagnosis. Reviewing your symptoms, medical history, family history and current medications with your doctor may offer some clues. When dizziness keeps coming back, it’s important to have the condition evaluated. If left unchecked, dizziness puts you at risk for falling and that can lead to serious injury. So make an appointment to see your doctor. If you develop other symptoms along with your dizziness — such as chest pain, shortness of breath, heart palpitations, changes in your vision or speech, leg or arm weakness, or seizures — seek emergency medical care right away. These could be symptoms of a serious medical problem, such as a heart attack or stroke. © 2014 Mayo Foundation for Medical Education and Research. All rights reserved. Distributed by Tribune Content Agency, LLC.

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H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Assisted living

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O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

Exercise and meditation for beginners By Howard LeWine, M.D. and Michael Craig Miller, M.D. Q: I’m a 66-year-old man. My doctor told me I need to exercise more to maintain good health. What’s the best exercise for a man my age? How often should I do it? What symptoms should I watch out for? A: Great to hear that you’re taking your doctor’s suggestions to heart! Physical training should include three parts: aerobic exercise, resistance (weight) training and stretching. I also recommend balance exercises for anyone in their 60’s. Tai Chi is an excellent choice. Aerobic exercise is what you will do most days of the week. So choose something that’s appealing. No matter what you

choose, start at a low pace. Walking and jogging are easiest because you don’t need to go to a gym or buy expensive equipment. My favorite is riding a stationary bike. I personally enjoy it more than running, and it’s easier on my joints. You should do resistance training two to three times per week, and never two days in a row. Start with low resistance (light weights). Don’t increase the weight until you can comfortably do three sets of 8 to 12 repetitions. Always warm up before any exercise, even after you become more advanced. Take 5 to 10 minutes while you slowly bring your heart rate up. I recommend stretching after exercise.

This way your muscles are warm. Stretching should feel good. Be gentle and gradually increase how far you go with each stretch. The goal is to start slowly. Work up to higher intensity gradually. That way, you’re less likely to injure your muscles, joints and tendons. Symptoms to be concerned about during exercise include: a) Chest pain. b) Severe shortness of breath. c) Feeling like you might pass out. d) A sudden, drenching sweat or cold sweat. (Sweating is good, but it should come on gradually during exercise.) If you experience any of these symptoms, stop exercising immediately. Don’t

restart any exercise without first talking to your doctor. Howard LeWine, M.D., is a practicing internist at Brigham and Women’s Hospital, Boston., Mass., and Chief Medical Editor of Internet Publishing at Harvard Health Publications, Harvard Medical School. Q: How do you pull yourself out of a funk or slight depression? A: Mood shifts frequently result from minor or trivial disappointments. So, much that gets us down is inconsequential. Yet it can be quite difficult to let meaningless matters go. A small funk can turn into a persistent depressive episode. Therefore, early deSee MEDITATION, page 15

BEACON BITS

Oct. 21+

DIABETES SCREENING Meet with a registered nurse to receive a free diabetes screening

including a glucose blood test, body mass index measurement, and weight management information on Tuesday, Oct. 21 between 9 a.m. and 1 p.m., or on Wednesday, Oct. 29 from 3 to 6 p.m. at the Howard County General Hospital Wellness Center, 10710 Charter Dr., Columbia. Fasting eight hours prior to the test is recommended. For more information and to register for an appointment, call (410) 740-7601 or visit www.hcgh.org.

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H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Health Studies Page

THE PLACE TO LOOK FOR INFORMATION ON AREA CLINICAL TRIALS

Study explores Parkinson’s genetic roots By Carol Sorgen One million people in the United States (five million worldwide) suffer from Parkinson’s disease (PD), a neurodegenerative disease second only to Alzheimer’s in numbers of people affected. Motor symptoms of PD include tremor, stiffness and/or slowing of movement, and walking problems. Parkinson’s can also affect neurological and mental health. While they vary from person to person, some common non-motor symptoms include depression, memory loss and loss of smell. The cause of PD is unknown, but 10 percent of all cases can be traced to genetics. The LRRK2 gene, in particular, is an important known genetic contributor to Parkinson’s disease. A LRRK2 mutation is found among 15 percent of Parkinson’s disease patients of Ashkenazi Jewish ancestry. While having a mutation in the LRRK2 gene can increase your chances of developing Parkinson’s disease, many people with the mutation will not go on to develop the disease. The LRRK2 gene is the subject of intense investigation by Parkinson’s disease researchers around the world because of its potential to lead to medical breakthroughs for all people with PD, not just those with a genetic form. Over the past decade, studies focused on the genetics of Parkinson’s disease have pursued a “disease-modifying treatment” — a therapy that can slow or stop the progression of PD. To date, no diseasemodifying treatment has been discovered — it is the single greatest unmet need of Parkinson’s patients today. For this reason, families of Ashkenazi Jewish heritage that carry a LRRK2 mutation have a vital role to play in this research.

Jewish volunteers needed One study in particular, the Parkinson’s Progression Markers Initiative (PPMI), is

seeking to learn more about how the LRRK2 gene can sometimes lead to Parkinson’s disease. PPMI is a $60 million dollar landmark clinical study being conducted by the Michael J. Fox Foundation for Parkinson’s Research. It is taking place at 32 clinical sites worldwide, including Baltimore’s Johns Hopkins Medical Institutions. The goal of PPMI is to identify indicators of PD progression to ultimately enable early and accurate detection, and potentially to help identify new and better treatments for future generations of people with Parkinson’s. PPMI is seeking volunteers to participate in this study who meet either of the following criteria: • people with PD who are of Ashkenazi Jewish ancestry, or • people without PD who are related to someone with PD, and are of Eastern European Ashkenazi Jewish ancestry. Genetic testing for the purposes of participating in PPMI is available to individuals of Ashkenazi Jewish descent at no charge. Individuals with blood-related ancestors from Eastern European Jewish communities are needed if they have had PD for any length of time and are of any age, or do not have PD, are over 50 years old, and are related to someone who does have PD.

What the study entails Participation in PPMI involves: 1. A brief PPMI online survey — Visit www.michaeljfox.org/ppmigenetics to find out if you may qualify for genetic testing in PPMI at no cost. 2. A genetic test — If you are eligible for genetic testing for the purposes of PPMI, you will be contacted by a PPMI representative and sent a “saliva kit” to provide a DNA sample for genetic testing. 3. Counseling and results — All PPMI volunteers who complete genetic testing will receive genetic counseling at no cost

to review the results of their genetic test. 4. A visit to a PPMI site — Based on the results of your genetic test, you may be invited to participate in additional tests and evaluations at Johns Hopkins. Because PPMI is an observational study, participants do not take any experimental drug or placebo.

All costs associated with activities that are part of this study, including the genetic test, are covered by the research study. You do not need to disclose your results to your health insurance company. For more information or to volunteer, visit www.michaeljfox.org/ppmigenetics or call 1-888-830-6299.

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

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

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Matthews From page 1 and earned another master’s, this time in city and regional planning. Soon after finishing school, Matthews relocated to St. Louis, Mo., where he began his career in government administration. He worked there for more than 17 years, and was assistant city manager, director of finance and administration and eventually city manager of Webster Groves, a suburb in St. Louis County. St. Louis was where he first met Barbara in 1988. She was also a native Virginian and working as an assistant city manager. They were close friends for over 13 years before they married.

Managing planned communities In the summer of 2004, the couple decided to relocate back to Virginia to help care for Barbara’s mother, who had cancer. After interviewing with the Reston Asso-

ciation, Matthews realized he’d found a home. “I liked what I saw,” he said simply. He was named CEO in 2004. Matthews said he is proud of his accomplishments there, especially the changes to the Fairfax Comprehensive plan to allow for the redevelopment of the Dulles Quarter. Among other things, that made Metro’s new Silver Line, which began operating this summer, possible. He was able to accommodate and manage the parties involved, which included the residents, some of whom were afraid of the changes to the community, and the developers, “who wanted to make sure their investments were going to add value to the community but also be profitable,” he explained. He is also proud of the working relationship he helped develop among senior staff members of the association, and the fact that he was able to become the public face of the association throughout the community — what he calls his “external” role.

O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

Over the next 20 years, the population in Reston is projected to rise dramatically. “The major influx of residents indicate that redevelopment is necessary,” and Matthews was able to work through its preliminary stages. He believes his experiences in Virginia will be very helpful to the challenges he faces in his new position here. Like Reston, Columbia is undergoing redevelopment. The city of Columbia is larger than Reston, numbering over 100,000 to Reston’s 60,000. Because of this, “the programs and services we are offering are much more expansive than they are in the Reston community,” Matthews said.

Advocating for older adults Matthews’ objectives are strongly influenced by his experiences. For example, being raised by his great-grandparents may have given him a unique perspective on older adults. One of his goals is to make

Columbia more walkable for the city’s growing population of seniors, as well as families with children. “Older adults in the community are moving out of larger homes back into condos, townhomes and apartments, and they want walkable communities where fewer cars are required,” he said. One of Matthews’ community responsibilities is serving on Howard County’s Older Adults Advisory Committee, which is currently drawing up a 20-year Master Plan for the Aging Population. In addition, the CA has its own Comprehensive Plan for Serving Older Adults, and the association’s senior advisory committee is very active. “We’ll be hearing from them more and more,” he said. Matthews plans to emphasize that the CA must work in tandem with its “community partners,” including Howard County General Hospital, Howard Community College and the Howard Hughes Corporation, a real estate development and management company. Though he runs a nonprofit corporation, one thing Matthews doesn’t intend to lose sight of is what he calls profitability. “We have to be profitable [precisely] because we’re a social welfare organization. We make a profit, and then put it back into the community to make it even better,” he said. Matthews also looks forward to supporting new developments occurring in the area, including the construction of the Metropolitan, a large mixed-unit apartment complex; the renovation of Merriweather Post Pavilion; and the Inner Arbor See MATTHEWS, page 15

BEACON BITS

Oct. 1

WORLD WAR II CODE CRACKING

Jennifer Wilcox of the National Security Agency’s National Cryptology Museum will speak on the crucial role of the “enigma machines” during World War II in a free lecture on Wednesday, Oct. 1 at the Jewish Federation of Howard County, 10360 Little Patuxent Pkwy., Columbia. For more information, call Sophie Novinsky at (410) 730-4976 or visit jewishhowardcounty.org.

Oct. 8+

CPR COURSE

Earn an American Heart Association card at completion of its CPR course offered on Wednesday, Oct. 8 from 5:30 to 9:30 p.m. at Howard County General Hospital Wellness Center, 10710 Charter Dr., Columbia. The course, including instruction in clearing airways from obstructions and using an automated external defibrillator, will be repeated on Monday, Oct. 21. Fee is $55. To register or for more information, visit www.hcgh.org or call (410) 740-7601.

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Meditation From page 12 tection is vital. Often, a mood shift starts as an automatic reaction to a small disturbance. You can prevent or interrupt a funk by becoming a better observer of your thoughts. Pay attention to reactions that you usually allow to happen mindlessly. The simple act of paying attention can help you control your reactions. Some experts recommend practicing mindfulness meditation to become a better

Matthews From page 14 Trust, which has been approved to build an art park on the grounds of Symphony Woods. “I’m most excited for the redevelopment and being part of it,” he said. “Understanding that we’re going through this phase is very important for the ongoing viability and desirability of the community.”

Tandem careers Being career-driven can certainly make it complicated for marriage. Luckily for Matthews, Barbara is equally motivated. Their secret to a successful marriage? “Respecting each other’s career desires and being supportive,” he explained. “We

observer of your thoughts. Sitting quietly, focus on your breath. You’ll probably notice your mind running away with itself. Refocus on your breath. Upsetting, irritating or anxiety-provoking thoughts may continue to bubble up. Try to cultivate a less critical attitude toward them. Notice instead what, if anything, is triggering them. There are proven benefits to this kind of practice, but you don’t have to meditate to be mindful. Your goal can be simpler: — Recognize the patterns that make you feel sour.

got married later in life, and we knew who we were. I would not change her, and she would not change me.” In his free time, Matthews enjoys running, listening to jazz and going to the gym. Though no longer a marathon runner, he plans to start running again in Columbia, joining many of the city’s running residents. As the new face of the Columbia Association, residents can expect to see Matthews at events and activities throughout the community. “The quality of life in a community does not exist by happenstance. It’s a concerted effort by a lot of different parties,” he said. “I want Columbia Association to be one of those key parties, leading the others to make that happen.”

Say you saw it in the Beacon | Fitness & Health

— Don’t just give yourself over to the bad feelings. — Ask whether the triggers are really worth the distress you feel. It’s at this point that you can try to refresh yourself or press your own reset button. Take a break. Connect with a friend or family member you like. Exercise. Do something you enjoy. Use a relaxation technique. If it appeals to you, meditate. You may continue to be stuck. Your bad feelings may persist or recur. The trigger may be something important rather than

trivial. If that’s the case, then you may want to seek help from a professional who can help you evaluate the problem. Michael Craig Miller, M.D., is an assistant professor of psychiatry at Harvard Medical School and an associate physician at Beth Israel Deaconess Medical Center, Boston, Mass. He is a senior medical editor at Harvard Health Publications. For additional consumer health information, visit www.health.harvard.edu. © 2014 President and Fellows of Harvard College. All rights reserved. Distributed by Tribune Content Agency, LLC.

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O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

BABY BOOMER/SENIOR EXPO 2014

Wednesday, October 9, 2013 9 a.m. to 6 p.m. Thursday, October 10, 2013 9 a.m. to 4 p.m. Timonium Fairgrounds

ADMISSION:

$2 or two cans of non-perishable food.

Free Gift - Document Organizer Sponsored by BGE & GBMC

410-887-2594 • www.seniorexpoonline.com

Wednesday, October 22, 2014 • 9 a.m. to 6 p.m. Thursday, October 23, 2014 • 9 a.m. to 4 p.m. Timonium Fairgrounds

ALL AGES WILL ENJOY THE FOLLOWING SPECIAL FEATURES INCLUDING: • Encounter over 300 exhibitors with information and specialty products • See two days of continuous entertainment on the Main Stage • Experience free exercise classes in the Senior Center Demonstration Area • Unearth a treasure in the Silent Auction • Determine the best older adult artist in the Power of Age Art Show/Exhibit • Locate preventive health screenings and flu/pneumonia vaccinations • Explore how to make a difference at the RSVP Volunteer Fair • Visit the Vetaran Resource Muster for resources and information • Explore vocational counseling and search for a new job at the Employment Fair Speciial performanc ce by

The Original DRIFTERS

WEDNESD DAY, OCTO OBER 22 • 4-6 P.M M.

50+ 5 0+

E X P O

Baltimore County Department of Aging

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Say you saw it in the Beacon

VOLUME 4, NO. 10 • OCTOBER 2014

A Message from the Administrator By Dayna Brown, Office on Aging Administrator AARP’s Life Reimagined is all about helping older adults discover new possibilities and connect with a community of people pursuing similar passions and goals both on and offline. The Office on Aging is honored to have Anne Herbster, one of the creative forces behind Life Reimagined, as the keynote speaker at our 16th annual 50+EXPO, coming up on Friday, October 17 at Wilde Lake High School. The 50+EXPO has always been about planning for the future and healthy aging, but this year we are taking it a step further and encouraging attendees to take an active role in designing the next chapter of their lives. Based on her experiences with Life Reimagined, Anne Herbster will bring her public speaking and creative thinking skills to the 50+EXPO to help her audience identify their “what’s next” possibilities. More than 160 exhibitors and vendors will also be at this year’s 50+EXPO, making it easier for you to find resources to help you meet today’s needs and prepare for tomorrow’s challenges, all under one roof. While you’re there, pick up a free copy of the 2015 Howard County Resource Guide, and be sure to visit the new Howard County Showcase in Exhibit Hall B. View the full schedule of 50+EXPO events and activities online at www.howardcountyaging.org/50plusexpo. Don’t miss it and I hope to see you there! October brings not only the 50+EXPO, but also the start of Medicare’s open enrollment period, which runs October 15 through December 7. Our State Health Insurance Assistance Program (SHIP) has planned a series of information events (see the article and schedule in this issue) to help current Medicare recipients review their coverage plans to be sure they have the one that best fits their needs. Call SHIP at 410-313-7392 to schedule your appointment. Looking ahead, November is National Family Caregiver Month, so mark your calendars to attend “The Caregiving Journey: Making Your Way,” the 3rd annual Caregiver Workshop on Saturday, November 22 from 8 a.m. to 3 p.m. at the North Laurel Community Center. Join us to share and learn from Office on Aging staff, service providers and, perhaps most importantly, other caregivers. Respite care is available, and breakfast and lunch are included, but you must RSVP by November 14 to attend! And remember, if you have questions about caregiving, or need information or a referral, call Maryland Access Point for assistance at 410-313-5980.

Explore “Your Next Chapter” at the 16th Annual 50+EXPO dreams, or uncover things that With people living longer and interested them but that they never redefining traditional notions of aging pushed to the forefront,” says and retirement, a new life stage has Herbster, Director of Life Reimagined emerged, according to AARP Life Live Experiences for AARP. “Life Reimagined (lifereimagined.aarp.org). For many people in their 50s, 60s and Reimagined is like having a GPS system to guide you beyond, this new life through making life stage is strengthened by changes.” years of experience, To find out more about accumulated knowledge Life Reimagined, don’t miss and wisdom, and feelings Anne Herbster’s lively and of optimism for the engaging keynote address possibilities ahead. in the Jim Rouse Theatre at This year, with the help 10 a.m. Admission is free. A of Life Reimagined’s series of engaging seminars Anne Herbster and will also be offered others, the 50+EXPO throughout the day, will help adults in Anne Herbster including: Howard County explore • Designing Your Life’s Next those possibilities as they contemplate Chapter: Candy Spitz, LCSW, PCC, their own “Next Chapter.” Join us on BCC, Career/Life Coach at Unlimited Friday, October 17 from 10 a.m. to 4 Paths Coaching will lead participants p.m. at Wilde Lake High School in through exercises and discussion to Columbia. “We found that people didn’t know expand their awareness of how to transition into the next phase of life. how to get started to achieve their • Anatomy of a Scam — How to Detect & Avoid the Latest Cons: Rebecca Bowman, Administrator of Howard County Office of Consumer Affairs, reminds The Senior Connection is published monthly by the Howard County Department of consumers that new scams pop Citizen Services’ Office on Aging. up every day; escape their reach We welcome your comments and suggestions. by learning the tell-tale signs that To contact us, or to join our email subscriber list, email an offer may be a con. seniorconnection@howardcountymd.gov • Wisdom Through the with “subscribe” in the subject box. Ages: Leah Turner, M.Ac., !"#$%&'!()*+&,-./0&!)&123)2 L.Ac. and Molly Dearstine, 4567&'!8(9:3#&;#*0"#+&<$= '!8(9:3#>&?<&@7AB4 M.Ac., L.Ac., Acupuncturists from WisdomWell Family B7ACD7DC4B7A Acupuncture & Wellness, """=E!"#$%/!()*+#23)2=!$2 """=F#/0:!!G=/!9H !'!'3*3I0) explore how Chinese medicine can support you through the <#+)#&?=&J$!")>&1%93)3K*$#*!$ seasons of your life. Advertising contained in the Beacon is not endorsed by the Howard County Office on Aging or by the publisher. See 50+EXPO, page 20

O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

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The Senior Connection

• FREE ADMISSION • 160+ EXHIBITORS • HEALTH FAIR • FLU SHOTS • SEMINARS • ENTERTAINMENT

Friday, October 17 • 9:00 AM - 4:00 PM Wilde Lake High School, 5460 Trumpeter Road, Columbia 21044

Visit the all new HOWARD COUNTY SHOWCASE in Exhibit Hall B and enter our drawing for YOUR chance to win a Big Screen TV! Attend the exciting keynote, LIFE REIMAGINED, a new AARP program, along with dynamic seminars to help you discover YOUR NEXT CHAPTER. Donate at locations on-site to the VIVIAN REID FUND, which provides emergency financial assistance to older adults in Howard County. Use the FREE COURTESY SHUTTLE from The Mall in Columbia for a STRESS-FREE parking experience. On-site parking is very limited. PLATINUM LEVEL SPONSORS

GOLD LEVEL SPONSORS

BGE • Evergreens at Columbia Town Center • GGP - The Mall in Columbia • Howard County Health Department • Keller Williams, The Silver Group of the Bob Lucido Team • LifeBridge Health Lorien Health Systems • Orthopaedic Associates of Central Maryland • St. Agnes Healthcare MEDIA SPONSORS

Baltimore Sun Media Group • Focus on Women Magazine • Guide to Retirement Living SourceBook • Her Mind Magazine • RTA (Regional Transportation Agency of Central MD) • The Beacon Newspapers • The Business Monthly

410-313-6410 (VOICE/RELAY) www.howardcountyaging.org/50plusexpo www.facebook.com/hococitizen If you need this information in an alternate format, or need accommodations to attend this event, call Maryland Access Point at 410-313-5980 at least one week in advance.

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Say you saw it in the Beacon

The Senior Connection

CALENDAR OF EVENTS Wednesday, October 1, 7 p.m. Paws4Comfort Pet Evaluations • Bain Center

Tuesdays, October 21-December 9, 2:30 to 4 p.m. Digital Storytelling • Bain Center

Want to volunteer with your pet? Paws4Comfort pet evaluations and information sessions are held the first Wednesday of each month. RSVP to Ingrid Gleysteen at 410-313-7461.

Learn how to tell your story digitally using Microsoft powerpoint with voice recordings, music and pictures; guidance provided for those with limited computer skills. Cost: $40; register by Oct. 14 with the Bain Center registrar.

Thursday, October 2, 6:30 to 8 p.m. Prepare to Care • Linden Hall, 4765 Dorsey Hall Dr., Ellicott City Learn about services and programs to assist aging family members, how to assess needs, and design a care plan. Free; call 410-313-5980 to register.

October 6 through 10, Hours vary Art Appreciation Week • Ellicott City Senior Center Enjoy 5 days of art-filled programs: Plus Art, Name that Tune, Movies, plus a Thirst ‘N Howl performance and an Art Reception. Call 410-313-1400 for details.

Tuesday, October 7, 10 to 11 a.m. Fall Gardening with Carrie Engle • Glenwood 50+Center

Tuesdays, October 21-30, 1 to 3 p.m. Autumn Colors in Watercolor • North Laurel 50+ Center Improve your basic skills in watercolor painting; learn to draw preliminary sketches and explore the use of autumn colors. Cost: $32 for 4 sessions. Call 410-313-0380 to register by Oct. 16.

Wednesday, October 22, 9 a.m. to noon Retirement: Love it! Hate It! Your Choice • East Columbia 50+ Center Explore the psychological, emotional and social challenges of retirement, and discover activities to add zest to your life. Cost: $10 for materials and lunch donation. Call 410-313-7680 to register.

Join TV personality Carrie Engle from Valley View Farms for a talk on Fall gardening tips. Call 410-313-5440 for details.

Wednesday, October 22, 12:30 p.m. Greg Lupton Performs • Ellicott City Senior Center

Tuesday, October 7, 10 a.m. to 2 p.m. Maryland Technology Assistance Program Trip • SeniorsTogether

Greg’s show is a one-hour interactive experience; sing-a-long as he performs American ragtime, boogie-woogie, stride, blues and jazz on the piano. Call 410-313-1400 for details.

Join the Low-vision group on a visit to MdTap to learn about low-vision aides, assistive devices and independent living programs. No cost for bus or visit; bring money for lunch. Space is limited; call 410-313-7353 to register.

Wednesday, October 22, 6:30 to 8 p.m. Prepare to Care • Kahler Hall, 5440 Old Tucker Rd., Columbia

Tuesday, October 7, 10 a.m. to 3 p.m. Opera Lovers & Lunch • Bain Center

Learn about services and programs to assist aging family members, how to assess needs, and design a care plan. Free; call 410-313-5980 to register.

Opera returns to Bain with a new presentation by Dr. Sam Stern. Cost: $13; call 410-313-7213 to register by Oct. 1.

Friday, October 24, 9:30 to 11:00 a.m. Fall Art Workshop: Cake Decorating • North Laurel 50+ Center

Wednesday, October 8, Doors open at 10:30 a.m. Memphis at Toby’s • Glenwood 50+Center

Learn basic techniques to decorate treats; create borders, designs, flowers, garlands and swirls. Cost: $12; includes all materials. Call 410-313-0380 to register by Oct. 22.

Meet us at Toby’s Dinner Theatre in Columbia to see this hot new Broadway musical (transportation is on your own). Cost: $45; call 410-313-5440 to order tickets.

Friday, October 24, 10 a.m. to 5 p.m. Gettysburg Outlet Trip • Elkridge Senior Center

Wednesday, October 8, 11 a.m. Soundtrack of Our Lives: Elvis to the Beatles • East Columbia 50+ Center

Enjoy the fall foliage in Thurmont and a buffet lunch at the Mountain Gate Restaurant, then head to the Gettysburg Outlets for an afternoon of shopping. Cost: $35; call 410-313-5192 for details.

Join Dr. Keesling to relive the music, fads, fashions and trivia of the time. Cost: lunch donation; call 410-313-7680 to register.

Fridays, starting October 10, 1 to 2:30 p.m. Exploring the Creative Arts • Bain Center Take a closer look at the creative arts with art professors and museum docents; enjoy live performances and engaging discussions! Space is limited; call Elaine Widom, 410-313-7353 to register by October 3.

Tuesday, October 14, 11 a.m. Duct Tape Tote • East Columbia 50+ Center Make a beautiful, sturdy tote from duct tape! Cost: $15; includes all materials. Call 410-313-7680 to register.

Wednesday, October 15, 10:30 to 11:30 a.m. Share Your Apps! • Bain Center Lobby Join us to learn all about apps; add new apps to your smart phone, ipad, or tablet, or share the ones you love! Space is limited; call 410-313-7213 to register.

Wednesday, October 15, 11 a.m. to 1 p.m. Oktoberfest Luncheon • North Laurel 50+ Center Celebrate Oktoberfest with German fare and live entertainment. Tickets: $3 plus lunch contribution. For more information, call 410-313-0380.

Wednesday, October 15, Maryland Zoo Visit • Elkridge Senior Center Experience an interactive visit with live animals from the Maryland Zoo. Cost: $5 plus optional lunch donation. Call 410-313-5192 to pre-register and order lunch.

Wednesday, October 15, 1 to 2:30 p.m. Power Over Pain • North Laurel 50+ Center A SeniorsTogether program, Power Over Pain will help you sustain a positive attitude, identify resources, and share concerns with others living with chronic pain. Free; call 410-313-0380 to register or contact Karen Hull, 410-313-7466 for details.

Tuesdays, starting October 28, 12:30 to 2 p.m. Bereavement Group • SeniorsTogether Those mourning the loss of a loved one (bereaved more than two months and less than two years) are encouraged to join a supportive group explore life beyond grief. Nominal fee applies; call 410-313-7466 to pre-register.

Wednesday, October 29, Noon Culture, Conversation and Cuisine • Glenwood 50+Center Join the staff for a taste of Germany and Oktoberfest – enjoy authentic food, history, trivia and more! Cost: $6; call 410-313-5440 to register.

Friday, October 31, 11:45 a.m. Halloween Lunch & Show • Ellicott City Senior Center Enjoy a Spooktacular lunch and show featuring “The Grey Legends” folk revival and sing-a-long. Win prizes for best costumes! Cost: $15; call 410313-1400 for details and tickets.

Thursday, November 13, Doors open at 10:30 a.m. Thanksgiving Celebration • Ten Oaks Ballroom, 5000 Signal Bell Ln., Clarksville Enjoy a festive meal of roast turkey with all the trimmings, plus music by the Retro Rockets. Cost: $13; tickets on sale at senior centers. Bring canned goods to donate to the Howard County Food Bank.

Saturday, November 22, 8 a.m. to 3 p.m. The Caregiving Journey: Making Your Way • North Laurel 50+ Center Don’t miss the 3rd annual Caregiver Conference. For more information or to register, call 410-313-5980 or email map@howardcountymd.gov. Reservation deadline for lunch/respite care is Friday, Nov. 14.

To request accommodations to attend any of these events, call 410-313-5980 one week in advance.

O C O T B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

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The Senior Connection

Medicare Open Enrollment is here: Time to review your plan

Medicare Open Enrollment October 15 through December 7, 2014 In addition to our regular schedule, take advantage of these special enrollment events! By appointment only; call 410-313-7392 Tuesday, October 21 • 9:00 a.m. - noon Glenwood 50+Center, 2400 Route 97, Cooksville 21723

By Bill Salganik, Counselor, State Health Insurance Assistance Program (SHIP) Yes, it’s that time again. Even if you’re happy with your current Medicare prescription drug plan, you should make sure the plan will still work well for you in 2015. Open enrollment is from October 15 to December 7, with the changes effective January 1, 2015. In addition to prescription plans, Medicare Advantage health plans (such as HMOs) also have open enrollment during this period. Why re-shop? One, your needs change over time; two, every year insurance companies change their premiums, deductibles, co-pays, lists of covered drugs, and lists of pharmacies where you can get the best prices. Plans can be bought, sold and merged; some drop out of the market, while others offer new plans that might work well for you. The plan that met your needs in 2014 may not work as well for 2015, and there may be new options that would be a better choice for you. People who stay in the same

plan without checking could be in for a nasty surprise in January, when they get a hefty premium hike or find out that the medicine they need is no longer covered. Every year, some people who re-shop with SHIP in Howard County, or who review their plans on their own, save hundreds of dollars by switching. Many others stay in the same plan, but do so knowing that it will continue to meet their needs in the coming year. Learn how to do your own prescription plan search using Medicare’s website or make an appointment for a one-on-one review by calling SHIP at 410-313-7392. Visit their website at www.howardcountyaging.org/ship, or see the ad, top right, for a schedule of free enrollment events throughout the county. SHIP counselors also offer in person assistance at the Bain Center, Ellicott City Senior Center, and the Glenwood and North Laurel 50+ Centers.

Friday, October 24 • 9:00 a.m. - 3:00 p.m. Ellicott City Senior Center, 9401 Frederick Rd., Ellicott City 21042

Wednesday, October 29 • 1:00 - 4:00 p.m. Elkridge Senior Center, 6540 Washington Blvd., Elkridge 21075 Information/Counseling • New to Medicare Fraud and Abuse • Prescription Drug Plans Supplemental Policies • Help with Costs

Know your options. Contact us for help. For a complete schedule of enrollment events, go to www.howardcountymd.gov/SHIP

410-313-7392 (VOICE/RELAY) ship@howardcountymd.gov www.howardcountyaging.org/ship

ALL NEW! 50+EXPO From page 17

• Eat This, Treat That: Brooks Wuerdemann, M.Ac., MQP, Chinese Medicine Practitioner at WisdomWell Family Acupuncture & Wellness helps you discover the secret healing properties of foods and herbs hidden in your kitchen. • Sleep from A to Zzzzz’s - How to Sleep Well as You Age: Raya Wehbeh, M.D., Neurology Associate and Sleep Medicine Specialist at NeurExpand Brain Center will focus on common sleep problems that occur as you age. In addition to the keynote presentation and seminars, the 50+EXPO will feature more than 160 vendors and exhibitors, flu shots and a comprehensive health fair, plus all day entertainment, including performances by the Capitol Steps at noon and 2 p.m. New this year, attendees will have a chance to win a Big Screen TV in the all new Howard County Showcase in Exhibit Hall B, and show their support for the Vivian Reid Community Fund – an emergency assistance fund for older adults in Howard County – at donation sites throughout the 50+EXPO. For more information and a full schedule of the day’s activities, visit www.howardcountyaging.org/50plusexpo.

Enjoying the Creative Arts

DISCUSSION GROUP

Take a closer look at the creative arts through local art professors, national museum docents, live performances and engaging pre- and post- event discussions!

Meeting on Fridays, 1:00 to 2:30 p.m. at the Bain Center beginning October 10! Space is limited; register by October 3 for the Fall season programs. If you need accommodations to attend this program, please contact MAP at 410-313-5980 at least one week prior to the program.

To register, contact Elaine Widom 410-313-7353 (VOICE/RELAY) EMAIL

ewidom@howardcountymd.gov

For more details, visit us at www.howardcountyaging.org/seniorstogether

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Say you saw it in the Beacon

Money Law &

NEWS ON DISTRIBUTIONS A new tax rule postpones required distributions from certain annuities EMPOWER YOUR PORTFOLIO Sun and wind energy are part of power company funds called yieldcos PROFIT IN A DROP Market “corrections” are inevitable; how to make the most of them MERGER SURGE A boom in company mergers offers a way to boost your portfolio

Secure for long life with a longevity annuity The life expectancy for both men and women in the United States continues to increase. This is obviously good news, yet it raises a prospect many fear: that they will outlive their assets. Interest rates are low and will likely remain so for some time, so many people nearing or at retirement age are looking for financial products that will preserve their resources through their remaining years. One worth looking at is a deferred income annuity (DIA), also known as a longevity annuity.

How it works The buyer of a DIA, in its simplest form, invests a lump sum with an insurance company and in return is guaranteed a lifetime income stream beginning at a designated future date. (An immediate annuity, by contrast, guarantees an income stream beginning immediately.) Just how large are the payments in that lifetime income stream? That depends on a lot of different factors: current interest rates, life expectancy, the amount of the premium(s) deposited, the length of the

•

deferral period, and the various income options. Consider this example, based on typical rates as of May 2014, taken from the website ImmediateAnnuities.com (which, incidentally, is a good source of information, as well as rates and quotes from insurance companies): If you were to invest a lump sum of $100,000 at age 55, specifying in your contract that you want your income stream to begin at age 65, you would begin receiving $10,609 a year at that time. With an immediate annuity, you would receive $5,621 annually, beginning immediately. As expected, the longer the interval between your initial investment and the date you elect to begin receiving your income stream, the larger your income will be. With DIAs, you have several options regarding your income stream. For example, you can choose lifetime income for you only, or you could select a joint-life option that allows another party (such as a spouse), if you predecease him or her, to continue to receive the same monthly income. Naturally, a joint-life option comes with a

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Elder Law, Estate & Special Needs Planning Medical Assistance Planning and Eligibility Advance Medical Directives / Living Wills Trusts / Estate Planning Administration Wills / Powers of Attorney Disability Planning / Special Needs Trusts Guardianship

410.337.8900 | www.frankelderlaw.com | 1.888.338.0400 Towson | Columbia | Easton

cost: The monthly income will be smaller any such rider will either increase your upthan the self-only option (given the same front cost or decrease your future income premium). The insurance company will stream. DIAs need not be purbase the monthly stream of inchased only with a one-time come not only on your age but lump sum. You can buy one also the age of the joint party. over time in a “flexible premiAnother option is a guaranum purchase.” If you will be teed income for a specified peable to make additional purriod, such as five, 10 or 15 chases prior to retirement, years. The longer the speciconsider this option. fied period, the lower the inNo one can predict interest come stream. If you die durrates, but if you expect them ing the specified interval, the to increase in the near term, remaining income payments THE SAVINGS you can postpone investing will be made to specified ben- GAME some of your capital. Howeveficiaries. By Elliot Raphaelson er, if you use this strategy, it Options, disadvantages will reduce the subsequent to consider deferral period, which might offset the adThere are other options that you can dis- vantage of higher interest rates. cuss with your insurer. These include ridThere are two basic disadvantages of ers that protect you from inflation, that DIAs. The first is that you may die before protect beneficiaries if you die before re- your time, actuarially speaking. Riders can ceiving payments (e.g., by returning to mitigate this risk, of course, but an annuity them the initial lump sum you invested is a lot like a bet with an insurance compaplus nominal interest), or that give you ac- ny that you will live long enough to see a cess to some of your initial premium in case of an emergency. Naturally, adding See ANNUITY, page 22

Law & Money | More at TheBeaconNewspapers.com

O C T O B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

New tax rule adds to value of annuities By Kimberly Lankford Question: I understand that the Treasury Department just changed the tax rules so people can now invest IRA money in deferred income annuities without worrying about required minimum distributions. Should I invest in this kind of annuity? Answer: If you’re starting to plan for retirement income, it’s worth considering. A deferred income annuity lets you invest a lump sum now and lock in a guaranteed lifetime payout that starts at a later date. [See “Secure for long life with a longevity annuity” on page 38.] Knowing you can count on a guaranteed income stream after a certain age can help you plan withdrawals from the rest of your

savings. And the longer you defer payouts, the bigger the bang for your buck. The required minimum distribution rules in effect before the Treasury’s ruling made it difficult to make the most of these annuities. Because you need to start taking money from traditional IRAs and 401(k)s at age 70 1/2 and pay taxes on the withdrawals, some insurers would only let people invest in deferred annuities with money from taxable accounts. Other insurers let people invest IRA money in deferred income annuities, but required them to start receiving payouts before age 70 1/2. The short deferral period limited the value of their investment. For example, MetLife allowed customers to invest in deferred income annu-

BEACON BITS

Oct. 13

LEARN HOW TO FOIL SCAM ARTISTS Beth Silverman, an investigator for the Howard County Office of

Consumer Affairs, will talk about current scams targeting seniors and how to avoid them on Monday, Oct. 13 at the First Evangelical Lutheran Church, 3604 Chatham Rd., Ellicott City. To register or for more information, visit www.MillersGrant.org or call 1-877-900-6618.

ities in their 401(k)s, but required payouts to begin at age 70 1/2. Or you could invest traditional IRA money in an annuity as long as you agreed to take RMDs from another IRA account.

What the new rule does The Treasury Department’s new rule would permit people to invest up to 25 percent of their IRA or 401(k) account balance (or $125,000, whichever is less) in a longevity annuity without having to take RMDs on the money. Insurers are now expected to extend the deferral age to 80 or 85. The average buyer of deferred income annuities is about 59 and defers payouts for seven or eight years, said Joe Montminy,

Annuity From page 21 favorable return on your investment. The other risk is loss of liquidity. You should invest in this type of policy only if there is a low probability that you will need access to the initial premium prior to the date when your income stream starts. An investment in DIAs may not do as well as a long-term diversified investment,

LIMRA Secure Retirement Institute annuity research director. Removing the RMD issue creates an opportunity for people to get higher payouts by deferring longer. Montminy expects that more companies will enter the market and more advisers will start recommending these products. To keep in mind: It may take a few months for state regulators to approve changes to new products from insurers. Insurers are also determining what this means for people who bought deferred income annuities before the rules were changed. Kimberly Lankford is a contributing editor to Kiplinger’s Personal Finance magazine. ©2014 Kiplinger’s Personal Finance; Distributed by Tribune Content Agency, LLC.

such as a target fund. However, you can take some comfort in knowing you are receiving a guaranteed positive return. If you decide to purchase a DIA, buy it only from a company with top rating, such as A, A+ or A++. Ratings from A.M. Best, Moody’s or Standard & Poor’s are reliable. Elliot Raphaelson welcomes your questions and comments at elliotraph@gmail.com. ©2014 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

Coalition of Geriatric Services We’re a coalition of nonproﬁts, agencies, businesses and professionals who come together to advocate for and help older adults.

October Meeting Date: Time: Location: Speaker: Topic:

Wednesday, October 22, 2014 8:30 – 10:00 a.m. Brightview - Catonsville 912 S. Rolling Rd., Catonsville, MD 21228 Dr. Clay Souder, PsyD Suicide and Depression in Older Adults

Learn more by calling (410) 997-0610 or visit www.cogsmd.org Thank you to our 2014 Executive Members PLaTinuM MeMber Howard County General Hospital – A Member of Johns Hopkins Medicine The Beacon Newspapers

GOLD MeMberS Being There Senior Care, LLC • Howard County Oﬃce on Aging

SiLver MeMberS Brooke Grove Retirement Village • Carney, Kelehan, Bresler, Bennett & Scherr, LLP Copper Ridge – EMA • Deborah L. Herman, CPA • Oasis Senior Advisors The Bob Lucido Team of Keller Williams Select Realtors

brOnze MeMberS Earl Wilkinson, M.D., ENT • Gentiva Health Services • Home Instead Senior Care Homewatch CareGivers • Lighthouse Senior Living Village at Ellicott City Paladin Advisor Group • Professional Healthcare Resources, Inc.

PaTrOn MeMberS Alzheimer’s Association – Greater MD Chapter • Candle Light Funeral Home by Craig Witzke Home Call of Maryland • Home With You Senior Care • Ivy Manor Normandy, Inc. New Life Assisted Living • Right At Home In Home Care & Assistance • Visiting Angels

Say you saw it in the Beacon | Law & Money

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Sun and wind energy empower portfolios

Promising, but risky, too But analysts caution there are risks for yieldco investors because their popularity has inflated share prices and the concept is so new. “They are new types of companies, so we have very little visibility into what they might evolve into in the future,” said Mihoko Manabe, an analyst at Moody’s, the credit rating agency.

So far, many are doing quite well. NRG Yield (NYLD), which was created by the power producer NRG Energy, went public in 2103 at $22 a share and is now trading at $54. Next Era Energy Partners (NEP), which was created by the electric utility Next Era Energy, went public in July at $25 and is now trading above $34. TerraForm Power (TERP), created by SunEdison, also went public in July at $25 and now trades near $30. These yieldcos own power plants that have entered into long-term power purchase agreements at set prices with local utilities. For example, Next Era Energy’s Tuscola Bay wind farm in Michigan will sell all of its power over 20 years to DTE Energy. And assets go beyond wind or solar projects, or even ones that generate power. Abengoa Yield owns power transmission lines in Peru and Chile along with solar farms in Arizona and California. NRG Yield owns a coal-fired plant in Delaware. Because these companies own assets operating under long-term agreements, they aren’t subject to wild swings in the price of wholesale electricity the way traditional power producers are. The idea is that while some investors would like to pay for the risk and upside of a traditional power producer, many others would rather have a steady flow of cash. For the companies, these new businesses have created a new and cheaper source of funding to buy or build new power projects. “It’s the biggest thing going on in energy finance,” said Peter Davidson, executive director of the Energy Department’s loans programs office, which lent money to projects that are now in yieldco portfolios. “We think it’s the next great step in the evolution of clean tech.”

Other concerns to consider One big concern for investors is that share prices could fall, perhaps sharply, if interest rates rise. That’s because comparable yields will then be available from safer investments, such as bonds. Another is that investor enthusiasm in these companies has pushed yields down so far that some barely justify the name yieldco. NRG Yield now pays out just 2.7 percent, not much more than the 2.2 percent that the components of the Dow Jones industrial Average pay, on average. Investors are banking on fast dividend growth, which all the companies project. NRG has told investors it hopes to grow the dividend an average 10 to 15 percent per year over the next five years. But that requires buying more projects at good prices. With more and more yield-

cos chasing these projects, there might not be enough to go around, or they might get too expensive. Manabe, of Moody’s, recommends sticking with yieldcos controlled by large, stable companies that have many projects available to sell to the yieldco, such as Next Era Energy Partners. It’s controlled by Next Era Energy, the biggest wind power producer in the U.S. and one of the largest solar power producers. Nathan Kubik, a principal at a Colorado Springs financial advisory firm, said he thinks yieldcos could have a place in his clients’ portfolios along with REITs and MLPs — someday. “I like what they are doing,” he said. “But right now it’s probably a little premature for us to get in. It needs to be proven a — AP little more.”

BEACON BITS

Oct. 3+

HATFIELD & MCCOY COUNTRY

Explore the historic coal mining areas of West Virginia and eastern Kentucky on a three-day motor tour of the historic sites associated with the Hatfield & McCoy feud. The tour leaves from Frederick, Md., on Friday morning, Oct. 3 and returns Sunday evening, Oct. 5. Fee including two nights at Chief Logan Resort State Park Lodge, all meals and admissions is $445 per person double occupancy; $485 for singles. For full information, visit the website www.coalcountrytours.com or call (540) 233-0543.

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By Jonathan Fahey You can now fit a wind or solar farm into your portfolio, even if your portfolio isn’t exactly vast. Energy companies are wrapping renewable energy projects and other power-related assets that generate steady cash into new companies they hope attract investors hunting for dividends. In an unfortunate victory for corporate speak, they are called yieldcos. They’re the electric power industry’s answer to real estate investment trusts, which distribute rental income to investors, and master limited partnerships, which distribute income from oil and gas pipelines to investors. Yieldcos aim to distribute most of the proceeds from generating or delivering electricity to shareholders through a steady stream of dividends. They try to grow the dividend by buying more power projects. Analysts say they are a relatively safe way to invest in renewable energy — much safer, for example, than buying shares in notoriously volatile solar panel makers. Warren Buffet agrees. He’s invested $15 billion in the same type of wind and solar projects that yieldcos own, and he plans to double that amount.

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O C T O B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

Survive, even thrive, in market correction By Anne Kates Smith Stock market “corrections” are an inevitable part of investing. Since 1932, declines of 10 to 20 percent (the traditional definition of a correction) have occurred an average of every two years, according to InvesTech Research. Are we due for a big drop? Probably. The current bull market has brushed off

unfavorable economic news, but there’s no guarantee that it will brush off future disappointments. Still, if you believe the bull market has more room to run, don’t panic when it stumbles. Here’s how to put a downturn to good use. Beef up your buying power. While stocks continue to hit record highs, take

BEACON BITS

Sept. 30

EXPLORE MUSEUMS ON THE MALL

With tourist season over, the National Gallery of Art, Air and Space Museum and other Smithsonian museums are all an easy and uncrowded walk from the bus drop off point for a day trip to D.C. on Tuesday, Sept. 30. Sponsored by the Department of Recreation & Parks, the bus leaves at 9 a.m. and returns at 4 p.m. Cost is $45, with lunch and itinerary on your own. To register, call (410) 313-7275 or for further information, call (410) 313-7279.

some profits from your winners and build a cash reserve. When the market finally sinks, scoop up bargains. Prepare a shopping list. Jot down a list of stocks you’d like to acquire at lower prices. Wasatch Funds chairman Sam Stewart said he likes healthcare and would start to nibble at Walgreens (symbol WAG, $71) if it fell to the high $50s. Scott Klimo, director of research at Saturna Capital, which manages the Amana funds, would use a 10-percent correction to add to a stake in search engine giant Google (GOOG, $585) and BorgWarner (BWA, $66), a leading maker of turbochargers. Don’t miss a stealth correction. Broad measures such as Standard & Poor’s 500-stock index have been marching to new highs, but a closer look at the market shows that some sectors have already taken big hits and are starting to re-

cover. Two examples: Internet services and biotech stocks. Turn off the TV. If a decline starts to snowball, you’ll hear about it — over and over. “Don’t become your portfolio’s worst enemy by allowing yourself to get caught up in the negative hysteria,” said Sam Stovall, chief stock strategist at S&P Capital IQ. Instead, remind yourself that the market has experienced 20 drops of 10 to 20 percent since World War II (plus 13 bear-market tumbles of at least 20 percent). Even so, large-company stocks have returned 11.1 percent annualized since the war’s end. Have a strategy. You’ve probably heard of dollar-cost averaging, a strategy of investing a set amount in the market at periodic intervals. Consider a correction-market twist: Invest periodically, but use decline thresholds instead of time intervals to determine when. For example, you might put a set amount into stock funds in your 401(k) after every 5-percent dip. Anticipate better days: The effects of corrections don’t last long. After a drop of 10 to 20 percent, it typically takes just four months to break even, said Stovall. ©2014 Kiplinger’s Personal Finance; Distributed by Tribune Content Agency, LLC.

BEACON BITS

Sept. 26

ALL ABOUT ADVANCE DIRECTIVES

Howard County General Hospital is offering a free program on advance directives — who needs them, how to get them and how to complete them — on Friday, Sept. 26 from 6 to 7 p.m. at the Wellness Center, 10710 Charter Dr., Columbia. For more information or to register, call (410) 740-7601 or visit www.hcgh.org.

Sept. 24

HOW TO DECLUTTER YOUR HOME

Sonal Anderson, a professional organizer, will discuss removing excess clutter in the home at a free program on Wednesday, Sept. 24 at 11 a.m. at the Ellicott City Senior Center, 9401 Frederick Rd., Ellicott City. Call (410) 3131400 to register.

Oct. 6

PROGRESSIVE LUNCH TOUR IN CARROLL CO.

A full day of historic sights and restaurants in Westminster and Uniontown is scheduled for a trip organized by Recreation & Parks on Monday, Oct. 6, leaving at 9 a.m. and returning at 6 p.m. For more information, call (410) 313-7279 or to register, call (410) 313-7275.

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How you can profit from the merger surge By Anne Kates Smith Every week, it seems, brings news of a corporate coupling (or at least an invitation). Buyouts are brisk in industries ranging from technology to healthcare, from finance to consumer goods. Halfway through 2014, U.S. companies had announced more than 9,000 deals (counting minor ones, including those for parts of businesses), with a collective value of more than $771 billion. “We’re on track for the first trillion-dollar year since 2007,” said Richard Peterson, who tracks merger activity for S&P Capital IQ. A number of factors are behind the boom. Firms have an abundance of cash on corporate balance sheets — some $2 trillion for nonfinancial companies in Standard & Poor’s 500-stock index. Credit is easy, with interest rates low and demand for corporate bonds robust. And with stock prices at record highs, companies can pay for acquisitions with inflated shares.

en, another medical device maker, for $43 billion in cash and stock. Covidien has offices in Mansfield, Mass., but the company is registered in Ireland. In addition to the tax advantage, the companies have complementary product lines. Shareholders, sometimes spurred by activist investors, support the takeover trend. Companies that made an acquisition in 2013 saw their stock increase by an average of 48 percent for the year, said Bank of America Merrill Lynch. [Editor’s note: President Obama and some members of Congress are criticizing the mergers, noting they seem primarily designed to reduce the companies’ U.S. tax bill, which in turn will add to budget deficits here. Others point out that U.S. corporate tax rates are the highest in the developed world and that corporate income is taxed twice, both at the company earnings level and when paid to stockholders as dividends.]

Trends of success High U.S. tax rates play a role Taxes are also playing a part. Some U.S. companies are bidding for overseas firms so they can change their country of incorporation in a quest for more-favorable income tax rates. For instance, Minneapolis-based Medtronic recently announced that it’s buying Covidi-

Investors looking to cash in on the merger boom might consider investing in stocks of companies with a track record of successful acquisitions. For example, Valeant Pharmaceuticals (symbol VRX, $126) recently garnered headlines for its hostile bid for Allergan (AGN, $169), the maker of Botox. The firm

has executed an aggressive acquisition strategy, almost flawlessly, for years, said Morningstar analyst David Krempa, thus boosting profit margins and reducing the risk of expiring patents. Danaher Corp. (DHR, $79), which manufactures everything from industrial tools to dental supplies, is a master at consolidating businesses, achieving synergies and maximizing productivity. Danaher acquired 14 businesses in 2013; roughly 75 percent of its sales growth during the past

five years has come from acquisitions. Deal adviser Lazard (LAZ, $52) could see double-digit-percentage revenue growth this year as its investment-banking unit profits from a pickup in dealmaking, said S&P Capital IQ, which rates the stock a “strong buy.” Finally, consider Merger Fund (MERFX), a member of the Kiplinger 25. The fund invests in stocks of announced takeover targets. ©2014 Kiplinger’s Personal Finance; Distributed by Tribune Content Agency, LLC.

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Travel Leisure &

An overview of the 9/11 Memorial Museum and other NYC commemorative sites. See story on page 29.

Live it up like the rich in the Berkshires A little over two hours from New York City and Boston, the Berkshires were a favorite summer retreat and playground for the aristocracy in the Gilded Age, when the barons of business erected multi-roomed behemoths that they called “cottages.” Think Carnegies, Vanderbilts and Westinghouses. These lavish, late 19th century manses today offer a glimpse into how the rich got away from it all — all except conspicuous consumption, that is. Today, you too can get away by exploring picturesque towns, visiting the mansions, hiking verdant trails, imbibing mountain air, and mellowing out on a local gin, named Ethereal.

PHOTO BY GLENDA C. BOOTH

By Glenda C. Booth LENOX, Mass. — A century ago, writer Edith Wharton wrote of this town in Massachusetts, “Lenox has its own tonic effect on me, and I feel like a new edition, revised and corrected.” Wharton’s guest at the time, novelist Henry James, concurred: “I am very happy here, surrounded by every loveliness of nature and every luxury of art, and treated with a benevolence that brings tears to my eyes.” Lenox, in the heart of the Berkshire Mountains in western Massachusetts, has long attracted writers, artists, performers and vacationers. The Berkshires, part of the Appalachian mountain chain, still intoxicate and rejuvenate, whether you are meandering along the Housatonic River, climbing 3,491 feet up Mount Greylock, poking around 32 quaint towns, admiring fall foliage or enjoying the arts. The Berkshire region stretches from Connecticut’s northern border to Vermont’s southern border and 40 to 50 miles from west to east. If you drive without stopping, you can travel from bottom to top in an hour and a half — but you’ll want to stop. Here you’ll find a gentle melding of the bucolic and the cultural. En route as I rounded a curve on Route 23, I was startled by a black bear standing on its hind legs, front paws planted on the guardrail, evidently poised to cross the road. Only seven percent of the region is considered to be developed, and half of that is residential. The area is particularly famous for its outstanding performance venues, like Tanglewood and Jacob’s Pillow, as well as theater, art, yoga retreats and fine cuisine.

Great Barrington Great Barrington, population, 7,000, exudes small town charm. It’s a compact, walkable village of cafes, boutiques and eclectic architecture, including a Gothic Revival church, a Queen Anne-style mansion, a 19th century storefront and a saltbox house. Friendly staff at the visitor center, at 362 Main St., will load you up with a walking tour brochure and local lore. A marker in front of the courthouse honors the first open resistance to British rule in America. Here in 1774, 1,500 unarmed men obstructed court business to protest British edicts, according to the Great Barrington Historical Society (www.gbhistory.org). The town was also the first in the world to enjoy electric streetlights and electric lights in homes, another historic marker states. In 1886, William Stanley demonstrated how to use alternating current for commercial purposes and proceeded to

Writer Edith Wharton designed her home in Lenox, Mass., built in 1902 and called the Mount, using the principles in her book, The Decoration of Houses. It features hardware imported from France and marble baseboards from Italy. The house and gardens are open for public tours.

STOCKBRIDGE CHAMBER OF COMMERCE

light 20 businesses on Main Street. His electrical products manufacturing business evolved into General Electric. Another first: a statue fronting town hall honors Mum Betts, the first slave to successfully sue for her freedom. She was awarded 30 shillings in damages in 1781 and helped end the slave trade in Massachusetts. Her great-grandson, William Edward Burghardt (W.E.B.) Dubois (1868-1963), the famous civil rights activist, scholar and cofounder of the NAACP, is honored by a midtown garden near his birthplace. He was the first African American to graduate from Harvard. The Housatonic River Walk along the west bank of the river offers a touch of the wild right in town. Dubois wrote that the Housatonic was “the lifestream of the town.” He also wrote, “That river of my birth was golden because of the woolen and paper waste that soiled it. The gold was theirs, not ours; but the gleam and glint was for all.” It still gleams and glints today. Passenger trains once Norman Rockwell lived the last 25 years of his life in the quintessential New England village of Stockbrought New York perbridge, MA. This wintertime panoramic photo of main street (also painted by Rockwell) shows the Red Lion Inn (just to the right of center), which dates back to 1773. formers to the Mahaiwe

Performing Arts Center, a 1905, restored vaudeville theater known for good acoustics. It’s hosted Broadway shows, silent movies, “talkies” and concerts.

Stockbridge Stockbridge, another picture postcard town, is immortalized in the 1965 Arlo Guthrie song, “Alice’s Restaurant.” You may remember the 18-minute musical monologue about a hippie and his friend, who dump a Volkswagen minibus-load of trash off a cliff near Stockbridge before falling prey to Officer Obie. The actual Alice’s Restaurant is now in a new incarnation called Theresa’s. Trinity Church, where Alice and Ray actually lived and hosted the Thanksgiving meal in the song, is now known as the Guthrie Center. Arlo performs there several times a year. He says he sings his famous song every 10 years, and he’ll sing it again in 2015, the song’s 50-year anniversary. Today, Stockbridge is more artsy-preppy than counterculture. But it still lacks stop lights and strip malls. It’s an iconic New England village — steeples, picket fences and all — truly Rockwellian. In fact, Norman Rockwell was himself a local. He painted Main Street in 1967, and the town looks just as it did then. Rockwell See BERKSHIRES, page 27

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H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Berkshires From page 26 lived in Stockbridge for the last 25 years of his life, and died in 1978. The Norman Rockwell Museum (www.nrm.org) houses the world’s largest collection of his original art, including 321 Saturday Evening Post covers, 100,000 photographs, letters and other mementos. A chronicler of 20th century Americana, Rockwell produced 60 years of art depicting the everyday and the ordinary with painstaking attention to detail. Visitors can learn more by visiting his studio behind the museum. To learn how the wealthy vacationed in the Gilded Age in those summer “cottages” — some with 75 to 100 rooms and acres of manicured gardens — take a house (and/or garden) tour of Naumkeag. It was the elegant summer home of the Choate family. Joseph Choate was Ambassador to England and built the house in 1885. It features rare Chinese porcelain, family portraits by John Singer Sargent, and gardens.

Source of literary inspiration The scenic beauty and tranquility of the Berkshires inspired several American literary giants, including Herman Melville, William Cullen Bryant and Edith Wharton. Touring their homes invites you into the psyches of those engaged in “a disquieting profession,” as Wharton described it.

At Wharton’s home in Lenox, the Mount, you’ll learn that in the summers from 1901 to 1911 Edith Wharton wrote by hand, perched up in bed all morning, before becoming sociable around the mansion and grounds she designed. Born into wealth, she created what she called “a spacious and dignified house,” incorporating hardware from France, marble baseboards from Italy, and electricity from George Westinghouse next door. Her three acres of gardens reflect her passion for European landscape design — a series of outdoor “rooms,” which, as she directed, possess “a charm independent of the seasons.” The Mount is one of the few National Historic Landmarks dedicated to women. On Sundays and Thursdays, visitors can learn about those who made the mansion tick on “backstairs tours” a la “Downton Abbey.” Herman Melville finished Moby Dick at Arrowhead, an 18th century farmhouse in Pittsfield (www.mobydick.org). “I have a sort of sea-feeling here in the country,” he wrote “...I look out of my window in the morning when I rise as I would out of a porthole of a ship in the Atlantic.” Ever wonder how and where Daniel Chester French designed and built the 19foot statue of President Abraham Lincoln in Washington’s Lincoln Memorial? The answer: at Chesterwood (www.chesterwood.org), the sculptor’s country home and studio near Lenox and Stockbridge. The final Lincoln monument was shipped

in 28 pieces to Washington, D.C., for assembly. At Chesterwood, you can see a miniature Lincoln monument, models and tools. Also worth visiting in the region: Tanglewood (www.bso.org), in Lenox, is the region’s famous outdoor musical venue, home to the Boston Pops in the summer. The last performance this year was Tony Bennett on August 31. You can still drop by and imagine throngs captivated by world-famous performers. Hancock Shaker Village (www.hancockshakervillage.org) in Pittsfield, honors the 350 brethren and sisteren who lived there in the 1870s and practiced “hands to work, hearts to God.” Today, it’s a living history museum of crafts, heritage breeds of livestock and historic buildings (20 in all). Think big when visiting MassMOCA (www.massmoca.org) in North Adams. A museum of contemporary art in a 19th century factory, it features very large art works in spacious galleries.

If you go Driving distance to the Berkshire region is about 350 miles from downtown Baltimore. The closest airports are in Albany, N.Y. (45 miles), and Hartford, Conn. (90 miles). In early October, roundtrip flights from BWI to Albany start at $207; rates to Hartford start at $166, both on Southwest Airelines. Berkshire locals love to tout their culinary “trails”— beer and cider, cheese and charcuterie (www.berkshirefarmandtable

.com/taste-trails). You can sample hormone-free chevre, Berkshire blue cheese, nose-to-tail sausages and solar-brewed beer. Other foodie adventures: • The Berkshire Mountain Distillers in Great Barrington handcrafts spirits like Ethereal Gin, Berkshire Bourbon and Ragged Mountain Rum. • In Great Barrington, the Castle Street Café specializes in small plates, local cheeses and calves liver glazed with pearl onions. The Neighborhood Diner serves notable lamb burgers, eggplant fries and fried green beans. To experience the decadence of life in the Gilded Age, consider staying at Blantyre (www.blantyre.com), in Lenox. The 117-acre, former summer estate was built to resemble a castle. The least expensive room is $600 a night. In Stockbridge, consider the Red Lion Inn, a prominent town fixture since 1773, and host to six U.S. presidents. The inn has 100 individually-decorated rooms. Room prices in October start at $155 for two. Visit www.redlioninn.com. Other options: • Rookwood Inn (http://rookwoodinn .com, Lenox, B&B in a Victorian house, a former tavern. Rooms, $185 and up. • Racebrook Lodge (www.rblodge.com), Sheffield, a rustic getaway. Rooms, $110 and up. For information see Berkshires Visitors Bureau, www.berk shires.org.

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Say you saw it in the Beacon | Leisure & Travel

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

The Big Apple’s 9/11 sites pack a punch By Beth J. Harpaz Out-of-towners and locals alike have shown enormous interest in New York City’s sites connected to the Sept. 11, 2001 terrorist attacks. More than 700,000 people from all 50 states and 131 countries have been to the National Sept. 11 Museum in New York City since it opened May 21. More have come from New York than any other state, but the museum also hosts so many international tourists that you can’t even identify all the languages being spoken. In addition, nearly 15 million people have visited the Sept. 11 Memorial since it opened three years ago on the footprints of the twin towers. That’s 1 million more a year than visit the Statue of Liberty. And yet the very idea of 9/11 tourism remains controversial to some. Some New Yorkers are still so traumatized they’ve avoided the area. Others think 9/11 tourism is unseemly, however respectful the intent. Indeed, the memorial plaza could now be mistaken for a leafy urban park, with visitors taking smiling selfies or leaning on bronze parapets that bear the names of the dead. And yet, one could argue that recreating a sense of normality downtown is part of the 9/11 story, too. “There’s this tension between a nice park where you can come out and have your lunch, but you might be sitting next to a family member paying respects to a loved one,” said Brenda Berkman, a retired fire lieutenant who was there on Sept. 11, 2001, and worked on the recovery effort. Berkman now leads guided tours from the 9/11 Tribute Center. For those who do want to visit, pay respects or learn more about the events of 13 years ago, here are some options.

9/11 Tribute Center and tours

ple trapped in the towers, and if you dare peek behind an exhibit labeled “disturbing,” you’ll see photos of those who jumped. Numerous videos and photos show Lower Manhattan before the attacks, as the planes hit, while the towers burned, and after they fell, as enormous debris clouds covered downtown. Tissue boxes around the galleries testify to the museum’s visceral, emotional impact. But some of the simplest exhibits are among the most memorable. Blue squares represent an artist’s effort to remember the sky color that day. And a massive wall bears this quote from Virgil: “NO DAY SHALL ERASE YOU FROM THE MEMORY OF TIME.” The museum is open 9 a.m. to 9 p.m., with the last entry at 7 p.m. through Sept. 21 (after Sept. 21, 7 p.m. closing). Get timed tickets online in advance to avoid long waits. Admission, $24; http://911memorial.org.

In contrast to the large, formal exhibits of the Memorial Museum, the 9/11 Tribute Center is a small, intimate, low-key place. The walls are covered with victims’ photos and missing posters; handmade paper cranes — a symbol of peace — hang over a stairwell. It’s like looking through someone’s scrapbook and sharing memories. The Tribute Center also offers terrific guided tours of the memorial led by individuals with a connection to Sept. 11th — first responders, survivors, those who lost loved ones. The tours offer personal memories and insights as well as an informed appreciation of the memorial’s design and symbolism. “We try and bring you to that day based on what we witnessed,” Berkman said. The Tribute Center at 120 Liberty St. is open Monday-Saturday, 10 a.m. to 6 p.m.; Sundays 10 a.m. to 5 p.m., with walking

tours at 11 a.m., noon, 1 p.m., 2 p.m. and 3 p.m. Center admission, $15; tours, $10; combined admission plus tour, $20; http://tributewtc.org.

One World Trade Center The observatory at One World Trade Center won’t open until next year. But the gleaming skyscraper itself, with its trademark spire and graceful angles, can be seen from all over the city. Two free, official apps can help you explore the memorial and museum in person or virtually: the 9/11 Memorial Guide and 9/11 Memorial Audio Guide. Access the 9/11 Museum via Liberty and Greenwich streets, or Fulton and West streets. Nearby subways include the Chambers and Fulton Street stations, which are served by many lines. The E train has a — AP World Trade Center stop

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The memorial’s waterfalls and twin reflecting pools are set deep in the twin towers’ footprints. The pools are surrounded by panels inscribed with the names of the nearly 3,000 people who perished in the attacks, including those who died at the site, on the planes and at the Pentagon. Also listed are six who died in the 1993 Trade Center bombing. Hundreds of oak trees line the plaza, but be sure to find a tall, callery pear tree called the Survivor Tree, grown from an 8-foot stump found in the rubble of the fallen towers. The memorial is free and open daily, 7:30 a.m. to 9 p.m.; http://www.911memorial .org/visit-911-memorial. Visitor passes and security checks are no longer required.

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9/11 Memorial Museum The museum tells the definitive story of the World Trade Center, from construction to destruction to rebirth. Artifacts large and small include tower beams, the Survivors’ Stairs used by hundreds to escape, a wrecked fire truck, and shoes worn by a photojournalist who was injured that day. You’ll hear phone messages left by peo-

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John McCoy demonstrates watershed protection methods. See story page 31.

Renowned pianist takes on new challenges ten years something “new,” he does not say. He simply exudes joy at sharing an exquisite and timeless musical jewel with people. Yes, he is 90. And with a schedule that would exhaust a 30-year old. His life is a long and vivid tapestry of challenge and reward, of family and music and discovery. He has a playful wit and an engaging manner. One imagines he is a popular teacher at Indiana University in Bloomington, where he holds the rank of Distinguished Professor. He has been a fixture there for six decades, and it has been the place he and his wife Sara make their home.

Escape from Nazi Germany Before that, before the applause that has filled the great halls of the world and the honors and accolades, there was childhood in Magdeburg, Germany, where he was born in 1923. His family made an arduous escape from the Nazis in 1939, with the sounds of Kristallnacht, the shattering glass of Jewish homes and businesses, still ringing in his ears. The family ended up in Israel, where Pressler recovered physically and returned to his great love: the piano.

“Certainly, the fact that I was a refugee, that I suffered physically…” and he trails off for a moment before continuing. “The music was a healing aspect in my life. And then, you know how life turns. Germany awarded me their highest civilian award [the Bundesverdienstkreuz or Cross of Merit]. And the city I had to run away from has made me an honorary citizen. It’s a complete reversal.” “Everything forms you,” he said. “You are made by your experiences. There’s not one that’s more or one that’s less. Everyone makes an impact. And every one is a line on your face.”

PHOTO COURTESY OF MELVIN KAPLAN, INC.

By Michael Toscano Menahem Pressler’s schedule is daunting. There is globe-trotting travel and performance as a concert pianist — both solo and with the world’s leading orchestras. Plus, he handles a full-time teaching position at a university, and practices four hours a day. Even so, he finds a few moments to talk about his upcoming visit to Columbia, where he will play at the Horowitz Performing Arts Center on Oct. 18, at the season opener for the Candlelight Concert Society. The maestro is especially excited as he looks forward to the Columbia concert, because, he said, he will be playing something new to his repertoire. “The Mozart Rondo is wonderful. Everyone always told me, ‘You’re too young to play it.’ But then when I became 80, I decided I’m going to play it now. Now or never!” And he laughs. Not a guffaw, but a mirthful chuckle, a pleasant sound rich with appreciation of life’s many ironies. Pressler is now 90. Whether it took him 10 years to get around to playing the Mozart piece for an audience, or if he considers something he has been playing for

See PIANIST, page 32

World-famous pianist Menahem Pressler, 90, will take the stage during the Candlelight Concert Society’s first concert of the season on Oct. 18.

A Regional Premiere You Won’t Want To Miss at Toby’s!

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Say you saw it in the Beacon | Arts & Style

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Learn how to protect Howard’s watershed hasn’t gotten as much attention as other pollution issues, such as toxic waste, “the storm water issue is the new enemy.”

Classes resume in October The Academy is a University of Maryland Extension Service program. Starting in October, it will offer a year-long volunteer education course covering a wide range of storm management techniques at its headquarters in Ellicott City. Classes meet weekly, with lectures by environmental professionals scheduled for the first several months. Toward spring, participants will move out into the field for hands-on experiences with an “action project” of their choosing. The project is the student’s contribution to a local water concern. Projects range from planting trees, to mucking out drainage areas, to participating in social marketing campaigns to heighten public awareness of the concerns. This season’s course begins Oct. 9. Lecturers, who are specialists in their fields, volunteer their time. The course costs $250, and scholarships are available. Upon completion, graduates are given the designation of certified master watershed steward. A current steward, Mike Calvert, 67, has lived in Columbia for 40 years, and has been an Academy volunteer for four years. A for-

PHOTO COURTESY OF HCWSA

By Anne Ball The skies darken, thunder crashes, and an inch of rain cascades onto the roofs and parking lots of the Columbia Mall. As nearly 2.5 million gallons of water hits the mall, it gathers litter and motor oil along the ground, then tumbles directly into the Little Patuxent River, eventually flowing into the Chesapeake Bay. Every time a parking lot or development lays down asphalt or concrete, we lose nature’s filter system: soil into which storm water can soak, leaving residues behind and replenishing local groundwater. Instead, the water gathers pollutants and runs off into creeks after causing erosion. Fortunately, there is a dedicated cadre of Howard County residents working to protect the local watershed. Volunteers with the Howard County Watershed Stewards Academy (HCWSA) search for and share solutions to disperse rainwater at a slower rate and over a longer period of time, helping the soil that remains do its job better. Terry Matthews, 62, coordinator of the Academy, has been working in public drinking water and wastewater management since 1973, chairing the Maryland State Water Quality Commission from 2010 to 2014. Matthews says he was drawn to the volunteer program last year because he feels strongly that while watershed protection

Sabrina Fu and Barbara Schmeckpeper teach new volunteers with the Howard County Watershed Stewards Academy how to plant rain gardens with native plants that retain water. The next session of classes, projects and field trips starts Oct. 9.

mer technical writer and data communications specialist for Cisco and Source Fire, he serves as web master for the Academy site.

Intergenerational opportunities Calvert notes that classes usually are held weeknights. He said most attendees are over age 50, many of them retirees.

CA’s Community Building Speakers Series

TO YOUR HOW

HEALTH COMMUNITY DESIGNCAN PROMOTE HEALTHY LIFESTYLES

THURSDAY, OCTOBER 2 • 7-9PM

Featuring Mark Fenton, a national expert in public health, transportation and planning, who will discuss how the physical design of communities can help promote healthy lifestyles, starting with the creation of “complete streets.” Complete streets are built to safely and comfortably accommodate all users, including pedestrians, cyclists, drivers, and those using transit.

However, there are occasional projects on weekends open to everyone, when children and young people can join their parents and grandparents in the work. He recalled one tree-planting last year that had been scheduled as an all-day See WATERSHED, page 33

Oakland Mills Meeting House 5885 Robert Oliver Place Columbia, MD 21045

To Register RSVP and see who else is attending at: caspeakerseries. eventbrite.com. Registration is appreciated but not required.

This event is free and open to the public

This event is brought to you through a partnership of Columbia Association and the Horizon Foundation.

Arts & Style | More at TheBeaconNewspapers.com

Pianist From page 30

Forming the Beaux Arts Trio Pressler was already famous by 1955, a familiar visiting star with orchestras in Philadelphia, New York, London, Paris, San Francisco, London, Brussels, Oslo, Helsinki and numerous others. But in that year, he cemented his place in music history with the formation of the Beaux Arts Trio, with Daniel Guillet and Bernard Greenhouse. They played a hundred concerts a year until 1988, recognized as an iconic cultural institution.

CC S

O C T O B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

The retirement of the Trio did not slow him down, however. To understand why, one only has to hear Pressler speak reverently of the music created by the great composers: “Their music is my bible. And the great composers, themselves, are my gods. And my prayer house — my synagogue, my church, my mosque — is the concert hall. And I am the prophet who is trying to bring you the message of these great composers. The message that is the richness, the beauty, the drama, and the love.” All that beauty. How much belongs to the composer, and how much of it comes from the hands of this pianist, the messenger? “It

2014-2015 Chamber Music Series Saturdays 8 pm, Smith Theatre, HCC

Menahem Pressler, piano October 18

David Finckel, cello & Wu Han, piano November 15

Quartetto Gelato Sunday, December 7, 7 pm

www.candlelightconcerts.org

410-997-2324

is the message of the composer, as seen through my eyes. It is me bringing to you that message the way I understand it,” he explained, adding, “And the way I love it.” “I feel imbued with the beauty of that music. For me, the joy is to transfer it to the one who can listen,” he said after a few more moments of reflection. Pressler rigorous daily practice schedule is an act of love, not discipline. After the concert in Columbia, his travels will take him to Paris and other concerts in Europe, before heading back to the United States to play a few dates here. Then he returns to Europe, where Pressler’s year will culminate with one of the highest honors a classical musician can achieve: soloing with the Berlin Philharmonic on their New Year’s Eve broadcast to the world. And for that, he plans to add yet another Mozart piece to his repertoire. “It is a Mozart aria for orchestra, voice and piano,” he said. “I know the piece. I have heard it and I love it. Now I have to learn it.” So what is it like to bask in the warmth of an appreciative audience and soul-stirring music? “When you sit in front of the world’s greatest symphony orchestras, you feel quite alone,” he reflects. “That never goes away. You always are worried that you’re not showing your work from your best side. “You have to be prepared, of course. But you have to love it. You have to give of yourself and give the best that you can, the message to the audience. Why is this music so beautiful? What does it do for you? To make life complete, music is one of the most beautiful arts there is.”

BEACON BITS

Oct. 15

PUBLIC ART TALK

David Friedheim, one of the featured artists in the ArtSites outdoor sculpture installations around the county, will speak about public art and his sculpture “Big Red” currently on display the Arc of Howard County in a program on Wednesday, Oct. 15 at 6 p.m. at the Arc, 11735 Homewood Rd., Ellicott City. Light refreshments and a tour of the Arc facility will be available. Due to space limitations, RSVPs are requested by registering at Lkawata@archhoward.org or by phone at (410) 730-0638.

Ongoing Texas Hold 'Em Sponsor: Deborah L. Herman, CPA Beverage Sponsor: Being There Senior Care, LLC Diamond Sponsors: Howard County Oﬃce on Aging, AARP of Maryland Smile! Photography Sponsor: The Bob Lucido Team of Keller Williams Select Realtors Sapphire Sponsors: Copper Ridge - EMA, Oasis Senior Advisors, Visiting Angels Media Sponsor: The Howard County Beacon

Teaching a new generation Pressler said he teaches because he feels an obligation to share what he has learned. “I feel an obligation to make it easier for them, to stand on my shoulders and do it better than me,” is how he describes it. And is this treasured music safe in the hands of tomorrow’s musicians? “It is not only in safe hands, when they study with me, it had better be in safe hands,” he said, dissolving once again into gentle laughter. “When they study with me, they are my spiritual children.” The teacher may be learning something from his children, too. When asked what he would tell readers of this interview what they should seek out to familiarize themselves with his music, he begins by mentioning two recordings he has made within the past year. They include his beloved Schubert sonatas and that new Mozart Rondo. But then he catches himself and notes, “Of course, when you open YouTube, there are at least 50 performances you can see.” Going strong as 91 approaches, Menahem Pressler said he still has a hunger to make music. After all, music kept him sane during the bad times, and has given his life the impulse to do something grand. Pressler will perform Saturday, Oct. 18 at the Smith Theatre of the Horowitz Performing Arts Center, 10901 Little Patuxent Pkwy. in Columbia. There is free parking. The performance is at 8 p.m. Adult tickets are priced at $32 ($30 for those 60 and older), and $12 for students (age 18 to 24). Senior and adult ticket buyers are also entitled to a free youth ticket (age 9 to 17). For tickets and information, visit www.candlelightconcerts.org or call (410) 997-2324. For information on the artist, visit menahempressler.org.

FROM PAGE 34

HOWIE AWARDS NOMINATIONS SOUGHT

The Howard County Arts Council is seeking nominations by Thursday, Oct. 30 for people who have made noteworthy contribution to the arts in the county — Outstanding Artist, Outstanding Arts Educator, and Outstanding Business or Community Support of the Arts. Winners will be presented at the Celebration of the Arts in Howard County gala on March 28. For more information, visit the Getting Involved page at hocoarts.org or call (410) 313-2787.

ANSWERS TO CROSSWORD M A S S

O I L Y

I T C H

N E R O

S H R E D

T A B O O

O D O R

N E W I S T H A I B L E G E A T T I N G

F L U I R O T O L Y S A W A S H A P A E B O F A L I N E R T I L E S C O N T S E N T I C G R I T S M I S S I A B L A Z E A R E

D R A G I N S E T S N E D

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

M A G I C O P E C S K E W

Say you saw it in the Beacon | Arts & Style

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

Watershed From page 31 event starting at 10 a.m. “There were 200 trees to be planted, but so many stewards brought their grandkids and neighbors that we finished by noon,” he said. “It’s just such a good feeling to see the intergenerational interest and enthusiasm at work. And what a wonderful experience for those kids to remember!” Steward Barbara Schmeckpeper, 69, enrolled in the Master Gardener course offered in Howard County by the University of Maryland Extension in 2009, then discovered the Extension’s Watershed Stewards Academy course in Anne Arundel County and signed up for that in 2010. For her class project, she chose to investigate what interest there might be in a watershed stewards organization in Howard County. Her self-described “small marketing campaign to environmental groups” yielded 10 county resident volunteers, mostly retirees, Schmeckpeper recalled. That was the

beginning of the Howard County chapter. The Howard academy is one of several watershed stewards program across the state. In addition to Anne Arundel County, there is one in Cecil County and one called the National Capital WSA, which encompasses Montgomery and Prince George’s counties as well as the District of Columbia. This fall, Schmeckpeper was invited to work with the Howard County School Conservancy to train county 9th graders as volunteers at all 12 county high schools. The students will assess the paved and unpaved areas of their school yards for watershed problems, and then discuss and implement solutions.

lower elevation than the surrounding terrain so rainwater can run off and percolate into the soil rather than down storm drains. But projects need not be of such large dimensions. Watershed Academy participants learn techniques to make smaller back yard rain gardens using rain-absorbing native plants. They also learn how to construct and place rain barrels to capture roof water from a downspout during a rainstorm. The water can be stored until it’s needed to water a lawn or wash a car. Students work closely with the Academy’s volunteer professionals, who contin-

ue to offer support after the volunteers have completed the course. That helps empower the new stewards to move onto whatever problems may be plaguing their neighbors or others who have become more aware thanks to the Academy’s outreach programs One of the those programs offered a free residential property assessment to help provide solutions for excessive rain water runoff. For more information about the Howard County Watershed Stewards Academy, including how to get help assessing your yard, visit www.howardwsa.org or call (410) 313-2711.

Creating rain gardens Last year, Schmeckpeper and another volunteer, Sabrina Fu, a science professor at the University of Maryland’s University College, supervised volunteers creating a 500square-foot rain garden at First Presbyterian Church of Howard County in Columbia. Rain gardens are built at a somewhat

BEACON BITS

Oct. 11

FREE CHAMBER MUSIC CONCERT The Chamber Ensemble of the Columbia Orchestra will perform in

a free concert Saturday, Oct. 11 at 7:30 p.m. at Christ Episcopal Church, 6800 Oakland Mills Rd., Columbia. Visit columbiaorchestra.org or call (410) 465-8777 for complete information.

Friday, October 17 • 9 AM - 4 PM Wilde Lake High School, 5460 Trumpeter Road, Columbia 21044

Don’t miss the keynote address and these dynamic seminars to help you discover YOUR NEXT CHAPTER: ◗ Life Reimagined (KEYNOTE PRESENTATION IN THE ROUSE THEATRE) Anne Herbster, Director, Life Reimagined Live Experiences, AARP

◗ Anatomy of a Scam - How to Detect & Avoid the Latest Cons Rebecca Bowman, Administrator Howard County Office of Consumer Affairs

Visit the all new HOWARD COUNTY SHOWCASE in Exhibit Hall B and enter our drawing for YOUR chance to win a Big Screen TV! See additional EXPO details in this month’s issue of the Senior Connection in this copy of The Beacon!

◗ Sleep from A to Zzzzz’s - How to Sleep Well as You Age Raya Wehbeh, M.D., NeurExpand Brain Center

◗ Designing Your Life’s Next Chapter Candy Spitz, L.C.S.W., P.C.C., B.C.C., Unlimited Paths Coaching

◗ Wisdom Through the Ages Leah Turner, M.Ac., L.Ac., and Molly Dearstine, M.Ac., L.Ac. WisdomWell Family Acupuncture & Wellness

◗ Eat This, Treat That Brooks Wuerdermann, M.Ac., M.Q.P. WisdomWell Family Acupuncture & Wellness

410-313-6410 (VOICE/RELAY) • www.howardcountyaging.org/50plusexpo • www.facebook.com/hococitizen If you need accommodations to attend this event, please call MAP at 410-313-5980 at least one week in advance.

O C T O B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

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Crossword Puzzle

Puzzle Page

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

25 30

32 35

41 45

44 48

HB10/14

Scrabble answers on p. 32.

21 23

42 46

47 50

65 68 70

Across 1. Setting in 2001: A Space Odyssey 5. Unstable 10. “Kapow!” 13. Senator’s assistant 14. Copter’s spinners 16. In the style of 17. Execute the escape plan 19. ___ leaf (Eve’s first wardrobe decision) 20. Arab nation with two stars on its flag 21. Catches flies 22. Fed. org. with motto “Fidelity, Bravery, Integrity” 23. Relaxation location 25. Like most of the clue to 1 Across 27. Quick as lightning 33. ___ and crumpets 34. Passenger ship 35. ___ Park (Home of the Thomas Edison Center) 38. Babe’s bed 40. Bath store supplies 42. Borscht or bisque 43. Golfers’ goals 45. Funnel-shaped 47. Distribute pink slips 48. Receive a guilty verdict 51. Background noise 53. “Yes, ___!” 54. Fedora or Fez 55. Alternative to home fries 59. Stellar explosions 63. Slugger’s stat. 64. Ape-man (or the condition of each of this puzzle’s key phrases) 66. Long, looong, loooooog time 67. Burning 68. Byline in The Daily Planet 69. Used, as a book (with 70 Across) 70. See 69 Across 71. Picnic side dish

Down 1. Gather together 2. Slick 3. It’s down at the dumps 4. Fairly recent 5. Make onion rings 6. Setback 7. Its largest city is named for a lake 8. Its largest city is named for a river 9. Present something unpleasant (as a cat) 10. Board the ark out of sequence 11. Plausible excuse 12. Witchcraft 15. Gambler’s strategy 18. Boutonniere target 24. “To the left ___” 26. Approvals 27. Constant desire 28. Roman Emperor for XIII years 29. Throwing a pre-game party 30. Standing by 31. Serious criminal 32. ___ we so clever 36. Elegance 37. Cartel founded 1960 in Baghdad 39. Paragon of redness 41. Prepares the agenda 44. Black mark 46. Getting off the couch 49. Note-taker 50. Stupid creatures, in Harry Potter’s world 51. Tiny bit of evidence 52. Prohibited 56. Cuba, por ejemplo 57. Russian ruler 58. Key decision at Ben and Jerry’s 60. Potion bottle 61. Palindromic girl 62. Manipulate the results 65. Homer’s nextdoor neighbor

Answers on page 32.

H O WA R D C O U N T Y B E A C O N — O C T O B E R 2 0 1 4

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 right. 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.

Caregivers KIND, DEPENDABLE, EXPERIENCED caregiver for live-out care or live-in care for a flat rate. Hygiene care, Meal preparation, Housekeeping, Errands, Appointments, Medication reminders. Call 301-490-1146.

Computer Services PROBLEM WITH YOUR PC/MAC OR NETWORK? Computer Systems Engineer will come to you with help. Call: David G at 301642-4526.

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Financial Services ACCOUNTING, BOOKKEEPING, TAXES – conscientious CPA, 37 years experience, reasonable rates, looking for additional business, personal and eldercare clients. Call 410-6533363.

For Rent/Sale Real Estate QUIET, COUNTRY APT. IN GLENWOOD. Pets welcome. Separate entrance. 1 bedroom, 1 bath, kitchen, living room and sitting room. $1050 + security deposit + utilities. 410-9089490.

For Sale

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, or place a personal ad. Each ad is $10 for 25 words, 25 cents for each additional word. Business Text Ads: For parties engaged in an ongoing business enterprise. Each ad is $25 for 25 words, 50 cents for each additional word. Note: Each real estate listing counts as one business text ad. Send your classified ad with check or money order, payable to the Beacon, to:

CHOLESTEROL SPINACH and other medicinal plants for diabetes, hypertension, high cholesterol and triglycerides, kidney problems, etc. (propagate and grow your own easily). Email: alpong@verizon.net. 301-854-9969. 2 SALVADOR DALI woodblock prints from Dante’s Divine Comedy. Signed and framed. Asking $900 for the pair. Can email pictures if desired. Call Steve 410-913-1653.

Home/Handyman Services

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

Wanted

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

MILITARY ITEMS Collector seeks: helmets, weapons, knives, swords, bayonets, webgear, uniforms, inert ordnance, ETC. From 1875 to 1960, US, German, Britain, Japan, France, Russian. Please call Fred 301-910-0783, Thank you. Also Lionel Trains.

Wanted BALTIMORE’S BEST JUNK REMOVAL – Clean Outs: Whole House, Emergency, Attics/Basements. Furniture and Junk Removal, Yard Waste Removal, General Hauling, Construction Debris Removal. Free estimates. 10% Senior Discount. Licensed, Bonded and Insured. Call Jesse, 443-379-HAUL (4285). SANFORD & SON HAULING & RECYCLING. Trash + Junk removal, house & estate cleanouts, garage+ basement cleanouts. Demolition – Shed, deck fence + pool removal. Licensed + insured. Free estimates over the phone. Call 7 days a week, 7 am to 7 pm. 410746-5090.

BEACON BITS

Oct. 18

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

WE BUY OLD AND NEW COINS, Jewelry, Silver and Gold, Paper Money too. Watches, Clocks and Parts, Military Badges and Patches Old and New. Call Greg, 717-658-7954. VINYL RECORDS WANTED from 1950 through 1985. Jazz, Rock-n-Roll, Soul, Rhythm & Blues, Reggae and Disco. 33 1/3 LPs, 45s or 78s, Larger collections of at least 100 items wanted. Please call John, 301-596-6201. OLD AND NEW WE BUY Sterling Silver Flatware, Tea Sets or Single Pieces., Furniture, Tools, Cameras, Good Glassware, Artwork Too. Toys From Trains to Hotwheels, Action Figures to Star Wars. Call Greg, 717-658-7954.

BEACON BITS

TIME TRAVEL TO THE 1980s

The Howard County Historical Society is throwing an ‘80s theme party on Saturday, Oct. 18 from 7 to 9 p.m. in its newly renovated auditorium at 8328 Court Avenue, Ellicott City. Punk and new wave music and ‘80s fashions will be featured. Single tickets are $15, $25 for a couple. To purchase online, visit www.hchsmd.org/events or call (410) 480-3250.

Oct. 10

ENJOY THE OLDIES

Doo wop, Motown and classic rock ‘n roll are on the menu along with dinner before the show on the Recreation & Parks bus tour to Bethesda’s Blues & Jazz Supper Club on Friday, Oct. 10. The bus will leave at 4 p.m. and return at 11 p.m. Cost is $125 per person. For ages 18 and older. Call (410) 313-7279 for more information or, call (410) 313-7275 to register.

ADVERTISERS IN THIS ISSUE Clinical Research Studies

NeurExpand Brain Center . . . . . .13 Ideal Health Study . . . . . . . . . . .13 UM Elderly Falls Prevention . . . .13

Events

Baltimore Baby Boomer/ Senior Expo . . . . . . . . . . . . . . . .16 Beacon 50+ Expos . . . . . . . . . . . .28 COGS Meeting . . . . . . . . . . . . . .22 COGS Fall Fest . . . . . . . . . . . . . .32 Calendar of Events . . . . . . . . . . . .18 Columbia Association Speaker Series . . . . . . . . . . . . . . . . . . . . .31 Howard County 50+ Expo . . . . . .33 Walk to End Alzheimer’s . . . . . . .27

Funeral Services

Harry H. Witzke’s Family Funeral Homes . . . . . . . . . . . . . . . . . . . .10 Going Home Cremations . . . . . . .25

Sol Levinson & Bros., Inc. . . . . . .9 Witzke Funeral Homes . . . . . . . .22

Home Health Care

A-1 Action Nursing Care . . . . . . . .8 Homewatch Caregivers . . . . . . . .12 Options for Senior America . . . . .15 Right at Home of Central Maryland . .4

Housing

Alta at Regency Crest . . . . . . . . . .6 Brooke Grove . . . . . . . . . . . . .11, 36 Charlestown Independent Living/Erickson . . . . . . . . . . . .23 Heartlands of Ellicott City . . . . .25 Homecrest House . . . . . . . . . . . . . .8 Paradise Assisted Living . . . . . . .15 Park View . . . . . . . . . . . . . . . . . . .29 Shangri-La Assisted Living . . . . .15 Shriner Court/Quantum . . . . . . . . .6 Somerford Place/5 Star Senior Living . . . . . . . . . . . . . .12 Vantage House . . . . . . . . . . . . . . . .7

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Housing Referral Service

Howard Pharmacy . . . . . . . . . . . . .5 Rite Aid Pharmacy . . . . . . . . . . . .24

Legal Services

Columbia Association . . . . . . . . . .3

Care Patrol . . . . . . . . . . . . . . . . . .21 Carney Kelehan Attorneys at Law Firm . . . . . . . . . . . . . . . . . . . . . .23 Frank, Frank & Scherr Law Firm .23

Medical/Health

Audiology First, LLC . . . . . . . . . .4 Low Vision Specialists of Maryland & Virginia . . . . . . . . . . . . . . . . .10 Dr. Taylor & Associates Vision and Learning . . . . . . . . . . . . . . . . . .15 Maryland Relay Dial 711 . . . . . . . .6 Medical Eye Center . . . . . . . . . . . .7 Neighborhoods at St. Elizabeth . . .9

Pharmacies

CVS Pharmacy . . . . . . . . . . . . . . .14 Ellicott City Pharmacy . . . . . . . . . .9

Recreation Retail

Columbia’s Village Centers . . . . . .4 WOW Computer! . . . . . . . . . . . . .25

Senior Services

Senior Connection . . . . . . . . . . . .17

Theatre/ Entertainment

Candlelight Concert Series . . . . . . . . . . . . . . . . . . . . .32 Columbia Orchestra . . . . . . . . . . .33 Columbia Pro Cantare . . . . . . . . .30 Toby’s Dinner Theatre . . . . . . . . .30

Tour & Travel

Eyre Tour & Travel . . . . . . . . . . .27

O C T O B E R 2 0 1 4 — H O WA R D C O U N T Y B E A C O N

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INDEPENDENT LIVING

BROOKE GROVE RETIREMENT VILLAGE CORDIALLY INVITES YOU TO ATTEND AN

OPEN HOUSE Thursday, October 30, 2014 11 a.m. - 2 p.m.

Westbrooke Clubhouse 18310 Slade School Road • Sandy Spring, MD 20860 Discover the casual elegance & comfort of The Cottages independent living. Explore Westbrooke Clubhouse, its restaurant and fitness center. Enjoy our 220-acre campus of lush pastures and hardwood forest.

Please RSVP to Toni Davis at 301-388-7209 or tdavis@bgf.org by October 27.

because what surrounds you really matters. 18100 Slade School Road Sandy Spring, MD 20860

301-260-2320 or 301-924-2811

www.bgf.org

Residential Cot tages Assisted Living Skilled Nursing Care Memory Care Rehabilitation