Issuu

SEPTEMBER 2020

th e

Style

e di ti on

CityLifestyle.com/Frederick

LIFESTYLE LETTER

SEPTEMBER 2020 PUBLISHER

Amber Smith | Amber.Smith@LifestylePubs.com EDITORIAL COORDINATOR

Rhonda Stephens | Rhonda.Stephens@LifestylePubs.com

A New Pair of Shoes Can Change Your Life.

MARKET SUPPORT COORDINATOR

Dabria Tomlin | Dabria.Tomlin@LifestylePubs.com ACCOUNT MANAGER

Angela Torchia | Angela.Torchia@LifestylePubs.com AD DESIGNER

JUST ASK CINDERELLA! We all know “the feeling” we get when we slide on a new pair of red-bottomed shoes, clasp that diamond necklace for the first time or lock eyes on the LBD of our dreams. (Gentlemen, that’s a Little Black Dress, in case you are wondering!) It won’t take long for you to realize how much fun we had bringing you The Style Edition this month. From beauty queens and fashionistas, to stunning homes and jewelry galore, we’re here to dazzle you. Style is a reflection of personality, lifestyle and taste. Wherever you are in your style journey, we hope this edition inspires you! Maybe it’s time to consider some fresh interior design or maybe you could use a little push to rock that bold, eye-catching jacket you’re thinking might be “too much”- own it, Queen! Life is too short to keep your true style under wraps. The pages ahead are sure to give you the confidence you need. If you wonder where true confidence comes from, then enjoy reading about the timeless and lovely Karlys Kline, whose beauty shines on the inside and out! We are proud to shine a spotlight on several stunning women in different seasons of life who remind us just how deep and wide style and beauty goes. We always look for ways to put our best foot forward, so as we enter this new season, we hope we have helped you do the same. Stay classy, Frederick.

Whitney Lockhart LAYOUT DESIGNER

Dani Moore CONTRIBUTING WRITERS

Tera Michelson, Rhonda Stephens, Rebecca Mitchell, Emily O'Halloran CONTRIBUTING PHOTOGRAPHERS

Rebecca Mitchell, Jillylaine Photography

CORPORATE TEAM CHIEF EXECUTIVE OFFICER Steven Schowengerdt CHIEF SALES OFFICER Matthew Perry CHIEF FINANCIAL OFFICER DeLand Shore ART DIRECTOR Sara Minor OPERATIONS DIRECTOR Janeane Thompson AD MANAGER Chad Jensen REGIONAL SALES DIRECTOR Eric Williams WEB APPLICATIONS Michael O’Connell

Amber Smith, Publisher Amber.Smith@LifestylePubs.com

ON THE COVER Allison Redman, Miss

Maryland 2020, lights up the cover of our Style

SOUTH CAROLINA | TENNESSEE | TEXAS | VIRGINIA | WASHINGTON

Edition. Styled by Colonial Jewelers, the diamond accented earrings, bracelet and ring are the perfect complement to her sparkling tiara. Everyone knows that at Colonial Jewelers you’ll find the finishing touch for every look- from affordable, everyday elegance to the most luxurious and impressive fine jewelry styles.

PHOTOGRAPHY BY REBECCA MITCHELL 4

Frederick Lifestyle | September 2020

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CityLifestyle.com/Frederick

Proverbs 3:5-6 Frederick Lifestyle™ is published monthly by Lifestyle Publications LLC. It is distributed via the US Postal Service to some of the Frederick areas’ most affluent neighborhoods. Articles and advertisements do not necessarily reflect Lifestyle Publications’ opinions. No portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial contributors. Information in Frederick Lifestyle™ is gathered from sources considered to be reliable, but the accuracy of all information cannot be guaranteed.

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CityLifestyle.com/Frederick

INSIDE THE ISSUE SEPTEMBER 2020

FEATURES 14 Colorful Gemstones Organic or Lab Created- It’s Your Choice!

17 Her Calendar’s Full With No Agenda Keeping Up With Karlys Kline

22 Shades of Style Titleholders Showcase Their FashionForward Flair

22 28

28 Living Forward Life Lived to the Full Beyond Retirement

DEPARTMENTS 4

Lifestyle Letter

Around Town

Open House

Locally Owned

22 Trend Setter 28 Healthy Lifestyle 32 Realty Report 34 Inspired By

MHIC-01-116114

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| ARMY VETERAN

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AROUND TOWN

MOLLY'S MEANDERINGS Molly’s Meanderings is more than a boutique. It’s a place where girlfriends bond; a place where you might make a new friend; a place where the owner, Leslie, or stylist, Robin, will get to know you and your style. A Market Street staple for 20 years, Molly’s has been styling women, both young and young at heart. Molly’s offers a selection of clothing that is personally curated. Robin says, “What sets us apart is our selection of clothing and accessories, and the personal attention and care we give our customers." MollysMeanderings.com

BASAL THERAPIES OPENS IN FREDERICK Opened in July, Basal Therapies is a pediatric practice that combines speech, occupational and physical therapies. Kathryn Ferro, MS, CCCSLP, from Basal Therapies, says, "Our view on the child and the family and our holistic approach is unique. We want to be an office that is welcoming and supportive of the child and family. We care about the families' opinions and observations. We strive to help them understand their child's needs. We, as therapists, collaborate to find individualized solutions for each child. That's what excites us." BasalTherapies.com

COMMON MARKET OPENS SECOND LOCATION The new Common Market Co-op on Seventh Street is expected to open in mid-September. The new, larger 8

Frederick Lifestyle | September 2020

store will include the same fresh and locally sourced products as the original store, but there will be more variety. Store manager, Roman Diaz,

Thank you for voting us

says, “We’re committed to continue

FREDERICK'S BEST 2020!

doing what we’ve been doing for a long time except on a bigger scale! I joined Common Market in Frederick because it’s one of the top co-ops with deep roots in the community. I feel fortunate to be a part of that!” CommonMarket.coop

K I T C H E N & B AT H / A D D I T I O N S / B A S E M E N T S I N - L AW S U I T E S / S U N R O O M S / D E C K S & M O R E

WAREHOUSE CINEMAS COMING SOON Get ready to sit back in a luxury recliner and experience the latest blockbuster movie at a family-friendly price. Warehouse Cinemas, a new ten auditorium theater, opened this past summer. The new theater boasts leather recliners and a lounge area that includes a full bar with 28 taps of self-serve craft beer, a quick-serve concession

stand

and

unlimited

popcorn refills. Rich Daughtridge, CEO, says, "We are excited to open

Warehouse

Cinemas and

share all that we've been working on. Follow us on social media!" WarehouseCinemas.com

V I RT UA L DE S IGN A P P OI N T M E N T S N O W AVA I L A B L E ! Get started at www.DormanHomeRemodeling.com/virtual 8 41 5 Progress Dr Ste D in Frederick

Would you like to get in touch with us? We would love to hear from you! Contact us at CityLifestyle.com/ Frederick using the Get In Touch link and let us know what you think.

(240 ) 651-50 96 D or manHomeRemodeling.c om Dorman Home Remodeling, Inc. MHIC 44942-01 VA Class “A” Contractor CityLifestyle.com/Frederick

OPEN HOUSE

Welcome Home HISTORIC HOME WITH A CHEF’S KITCHEN

ARTICLE RHONDA STEPHENS

AMY AND DUANE BROWNING HAVE LOVED LIVING IN THEIR

custom cabinetry and black soapstone countertops. Amy says her

THREE-LEVEL, FIVE-BEDROOM, HISTORIC HOME AT 304 UPPER

favorite room is the kitchen, which flows into the sun-filled breakfast

COLLEGE TERRACE IN FREDERICK. “We were initially drawn to the

room graced with wall to wall windows.

home because of its beautiful historic architecture, floor plan, and gorgeous yard,” says Amy. This stately home is elegantly updated and sits

“This was always the gathering place of our family and friends,” she says.

surrounded by trees and a generous lawn on one of the most desirable

The second floor has three bedrooms with a surprisingly large number

streets in Frederick. Its grand entrance, paved with stone, leads inside to

of closets for this era. Both bathrooms have been stylishly renovated, with

the airy foyer. Notice the time-worn wood of the original stair rail accom-

the master suite’s bathroom reflecting a spa-like retreat. Throw in the gas

panied by the glowing, original hardwood flooring throughout. The gen-

fireplace and the private sun deck, and who needs a getaway? Amy says,

erously sized living room is filled with light from its many windows and

“The master bedroom porch is another favorite spot; it’s like being up in a

includes one of three fireplaces. This one is gas. It’s the perfect space for

treehouse. Its canopy of dogwoods is simply magical in the spring.” This

a breezy summer day or a frosty, snowy night.

home is truly a find. The Brownings have made beautiful and thoughtful

“When we purchased the home and began the renovation, we

upgrades to modernize yet retain the home’s historic charm.

tried to honor its historic integrity while outfitting it with modern

“Anyone lucky enough to call this place home will find themselves

amenities,” says Amy. For someone who loves to cook, or at least

living on arguably one of the best streets in Frederick with the nicest

loves the thought of it, Amy installed a gourmet LaCanche range,

neighbors,” concludes Amy. MDGroupLNF.com

Frederick Lifestyle | September 2020

Spa-like bath Fully renovated Chefâ€™s kitchen CityLifestyle.com/Frederick

Growing in Frederick

since 1974

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ORGANIC OR LAB CREATEDITâ€™S YOUR CHOICE!

COLORFUL GEMSTONES ARTICLE RHONDA STEPHENS PHOTOGRAPHY JILLYLAINE PHOTOGRAPHY

VISITING A JEWELRY STORE TO GAZE AT ALL THE BEAUTIFUL GEMSTONES IS SOMETHING NEARLY EVERYONE HAS DONE. If you are planning to add a gem to your jewelry collection, there are considerations to be made, such as will your purchase be an organic gemstone or one created in a lab? Born under high heat and pressure, gemstones are formed over thousands of years deep in the earth, or formed as soon as six months if created in a lab. Lab-created or synthesized gems are identical to their natural counterpart because they are made of the same material. Synthesized gems often have better color saturation, cost less and have fewer inclusions than found in nature.

Frederick Lifestyle | September 2020

Cheryl Kibiloski, owner of The Find Consignment in Monrovia, says, “As a gemologist, I think lab-grown is equally as beautiful as some of the natural gems, but it is a personal preference. Some of my clients only want something that came out of the ground. These gems have come so far. Lab-grown sapphires, for example, have become so much more affordable and desirable. It has all the natural elements in it, takes less time for the stone to develop and costs less because it didn’t come from a mine. They are virtually indistinguishable, even to the professionals. It takes a well-trained eye to know the difference.” “I worked in jewelry stores primarily with diamonds, but when I attended the Gemological Institute, I fell in love with the colored gemstones even more than the diamonds. Gemstones have these beautiful inclusions, meaning any material that is trapped inside of another mineral while that mineral forms. For example, peridot has an identifying inclusion that, when viewed through the microscope, looks like a Lily pad inside. Sapphires and rubies have an inclusion that appears to be a fingerprint. It looks like God has left his fingerprints inside the stone. Gazing at gemstones, I have a whole different viewpoint because not only is it pretty on the outside, it’s cool knowing what to look for on the inside. It brings

Gemstone Care Tips TIP 1 Always get an appraisal. A jeweler will do this for a small fee.

a whole new element to what you may be wearing on your hand.” Working in jewelry stores since she was 16 years old, Cheryl knows the business. She trained at the Gemological Institute of America and continued on to

TIP 2 Take your ring in to your jeweler to have the prongs checked every six months. If your ring has micro pave stones, have it checked every three to four months.

gold and silversmithing before opening her business. A talented designer, she is delighted to create the perfect

TIP 3 Clean your diamonds with a solution of 1/2 Mr. Clean + 1/2

piece of jewelry for her clients.

water with a soft toothbrush.

“I have an artist with whom I work to create the custom pieces. A client can bring in a photo and we can make the exact ring. Or we can design it and have it cre-

TIP 4 Never garden wearing your rings. The minerals in the soil

ated. If you can dream it, we can create it!” Cheryl says.

wear down metal.

TheFindConsignment.net

CityLifestyle.com/Frederick

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Frederick Lifestyle | September 2020

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HER CALENDAR’S FULL WITH NO AGENDA KEEPING UP WITH KARLYS KLINE

ARTICLE RHONDA STEPHENS PHOTOGRAPHY REBECCA MITCHELL

HEADING TO THE TROPICS TO RELAX FOR RETIREMENT ISN’T THIS PETITE POWERHOUSE’S IDEA OF FUN. At the age when many are slowing down, Karlys Kline says, “Without a doubt, my life is busier today than it was 20 years ago! I pack my days full, as much as possible, except for Sundays. Those are reserved for my husband, Tom Lynch. I think I’m at full stride now. I sometimes joke that I will soon learn to say ‘no,’ but I just don’t see it happening!” Life certainly is full for this amazingly energetic woman. If you have not had the pleasure, and I do mean pleasure, of meeting Karlys, you are missing out on pure sunshine. People gravitate toward her, and with good reason. Rarely is she seen without a smile on her face, and the truth is she has never met a stranger. In fact, you may have seen her out and about on her daily ‘meet-ups.’ As a regular at Café Nola, Karlys can scarcely make it to the ladies’ room without hearing a multitude of greetings from around the room from both new and old friends. It is hard to believe that Karlys once was a stranger in town. Following her heart, and an article she had read about Frederick, she moved here in 1989. Without knowing anyone, she threw herself into getting to know the community and determined that she

Silver jewelry by Colonial Jewelers; Dress courtesy of Urban Violet Boutique in Urbana; Photographed at a newly built condo in Downtown Frederick by JR Capital Build; Staging design by SimpLIVEfy.

would begin by eating at a different restaurant every day.

CONTINUED >

CityLifestyle.com/Frederick

HER CALENDAR’S FULL WITH NO AGENDA (CONTINUED)

“I THINK I AM AT FULL STRIDE NOW”

She says, “I didn’t know anyone, not one person, to invite to join me. But I would often see familiar faces, and we would chat. It was a great way to get to know downtown and the energy of the people!” Through work, Karlys met Ann Burnside Love, a longtime Frederick resident who owned the marketing firm now known as Love and Co. Ann encouraged her to become involved in community service and opened doors for her, one of which was sponsoring Karlys for The Rotary. She says, “Ann was solely responsible for my initial immersion into community service, and I am forever grateful.” Not at all intimidated by power or position, Karlys followed Ann’s advice by seeking ways to connect with others and to serve the community. “As the saying goes, ‘we’re all just people.’ I had no preconceived notion as to who was prominent or influTop Right: Dress by Jade Couture, courtesy of TLC Bridal; Jewelry courtesy of Colonial Jewelers. Bottom: Blouse courtesy of Urban Violet; Floral arrangement courtesy of Blossom and Basket Boutique in Mount Airy.

Frederick Lifestyle | September 2020

ential. I met most people initially in a non-business setting. I genuinely think that people in Frederick don’t get caught up in their positions, status or financial wealth.”

Karlys, believing we have the power to choose our own contentment and happiness, says, “I am genuinely happy almost always. A gigantic reason for that is because life with Tom makes my heart sing. Many years ago, I made a conscious effort to eliminate negative people that were draining my good energy. I think attitude is the key to happiness, and I am grateful for everything in my life. Some people say that I’m lucky, but I say it was hard work and mainly the right attitude.” It was hard work at the start. Karlys realized that there were many amazing women in Frederick, but they didn’t seem to know one another. She came up with a creative idea that left a legacy of deep friendships. “About 20 years ago, I had the idea of having quar-

“I EMBRACE E ACH DAY AS IT COMES”

terly dinners and tickets to the Weinberg Center for eight female community leaders that weren’t necessarily friends. Each dinner consisted of eight different people. The bonding and connecting were invaluable. Additionally, in 2001, I started ‘Celebrate Women,’ which

ask, ‘What are you currently working on, and how can I

was essentially a party for no reason other than friend-

help you?’ I love to connect the dots with businesses, jobs,

ship. We had the final one in 2019 with over 400 in atten-

nonprofits, couples, etc.” she says with enthusiasm. “I love

dance,” says Karlys.

what I do! I can’t resist stepping up when I see someone

Arguably one of the most well-connected people in Frederick, Karlys, has a full calendar with no agenda. With an open heart, she fills her week with diversity.

or something that I feel could use help.” Because of her commitment to service, Karlys has volunteered and served on countless boards, commit-

“A typical week will be jam-packed. The majority of the

tees and organizations. She’s currently serving on the

weekdays I am ‘connecting the dots’ by having breakfast,

Board of Directors for Frederick Health Hospital, serves

coffee or lunch with new people. I will participate in busi-

as Council Chair for Frederick Health, is Chairperson of

ness/nonprofit meetings, attend evening events, fit in a

the Board of Directors for Homewood of Frederick and

walk with friends, and just be a part of the community,”

is on the Board of Trustees for Homewood. Her newest

says Karlys. “I have no motive other than wanting to

board position is with the Frederick Arts Council, and

make the community better and to give back.”

she is a member of The Rotary Club of Frederick. Karlys

Her heart is in serving the community. That’s what

adds that her most significant accomplishment, by far,

drives her to get up in the morning. Her husband, Tom,

was the founding of the Women’s Giving Circle, which

has said that Karlys’ job is to spread joy and do good.

has raised nearly $3 million. It’s no wonder that Karlys

There couldn’t be a more perfect job description for her!

has inspired countless others to service.

Ask anyone. They’ll say she is excellent at her ‘job’ and and regularly has a waiting list of those hoping to get onto her calendar.

It appears that slowing down isn’t going to be an entry on Karlys’ calendar anytime soon. In her effervescent way, Karlys says, “What comes

“It’s satisfying when a connection comes together per-

next, I don’t know. I embrace each day as it comes, and I

fectly. When I meet with people, I typically say, ‘Tell me

want to make the most of it. In the meanwhile, I’m going

about you’ because I want to learn about people. Then I

to keep doing what I’m doing. I find joy in that!”

CityLifestyle.com/Frederick

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TREND SETTER

FASHION AND BEAUTY HAVE BEEN DEFINED THROUGH THE ERAS IN A THOUSAND DIFFERENT WAYS. Each year, month, and season, the definition evolves. Today, we live in a blend of cultures, perspectives and nationalities that shape our society and transcend any limits placed on “beauty.” Skin color, hair type, body shape, and other physical aspects become unique building blocks for the radiance we each possess. Fashion, in its own right, takes the foundation of our outward individuality and layers upon it the expression of our inward personality.

ARTICLE AND PHOTOGRAPHY REBECCA MITCHELL

Whether you’re fun, quirky, grungy or chic, all of our likes, dislikes, quirks and preferences manifest themselves into our own personal style. As we change and grow, our fashion does the same.

D SHA ES F S T L E Y O Aryana Briner, Miss Frostburg 2020

TITLEHOLDERS SHOWCASE THEIR FASHION-FORWARD FLAIR CONTINUED >

Frederick Lifestyle | September 2020

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birthday, honeymoon, butmilestone for life not to escape us Valentines day or anniversary...

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CityLifestyle.com/Frederick

TREND SETTER (CONTINUED)

Laura Dineen - Miss Urbana 2020, wearing a stylish raincoat available at Mollyâ€™s Meanderings.

Frederick Lifestyle | September 2020

Allison Redman, Miss Maryland 2020

The challenge we posed to our gorgeous models was to choose outfits

My goal is to give young women the necessary life skills and oppor-

that both push the boundaries of modern-day “fashion,” and make them

tunities to embrace their beauty and capabilities as they become the

feel beautiful. We want them to shine as the unique beauties they are!

confident leaders our world deserves.”

Sonia Bowie, former Miss Maryland titleholder and volunteer local

For our photo shoot, we had the honor and privilege of working

director for the Miss Urbana/Miss Ijamsville Scholarship Program,

with Allison Redman - Miss Maryland 2020, Laura Dineen - Miss

was thrilled to reach out to local titleholders and offer them the chance

Urbana 2020, Aryana Briner - Miss Frostburg 2020, and Lydia Sohn

to express their style.

- Miss Western Maryland 2020. They spent the day getting creative,

“My goal is to continue to provide young women with opportunities such as this one, where they can have fun and showcase what makes them unique and beautiful,” she says.

working with hair and makeup artist Lauren Simpson, and, most of all, celebrating what makes them unique! So the question we pose to all you beauties is this: What makes

“The word ‘beauty’ has changed over time. We, as a program and

you, you? What defines you, both inside and out? There is no one

community, recognize that being smart, poised, silly, driven, funny,

else like you in the world! Find an outfit that shows that off, and let us

compassionate, talented and so much more exceeds the superficial.

see the beauty that you are.

CONTINUED >

CityLifestyle.com/Frederick

TREND SETTER (CONTINUED)

Diamond necklace and earrings courtesy of Colonial Jewelers

Hat courtesy of Mollyâ€™s Meanderings

Frederick Lifestyle | September 2020

Steve Barber

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living

HEALTHY LIFESTYLE

FORWARD LIFE LIVED TO THE FULL BEYOND RETIREMENT

IN CONTRAST TO ALL OF THE THINGS THAT 2020 HAS TAKEN AWAY FROM US, THERE IS ONE THING THAT IT HAS GIVEN US IN FULL MEASURE, AND THAT IS A HEIGHTENED AWARENESS OF THE INTERSECTION – AND SOMETIMES CONFLICT – BETWEEN OUR HEALTH AND OUR FINANCES. Our health and our prosperity are inextricably linked, and the increased focus on this idea brought on by the challenges of the COVID pandemic may be the gift that many didn’t know they needed, especially if retirement years are around the bend.

JANET athlete

What do health and prosperity look like in retirement for you? Most Americans

are living longer, healthier lives, and our retirement years will likely be full of opportunities to pursue our health goals; it’s never too late to become more fit. Theresa Harrison started running after retiring from the helm of her very successful intelligence and cyberspace business. It’s not too late to make a lasting dietary or lifestyle change, or to pick up a new hobby that promotes well-being such as becoming involved in The Rotary and traveling the world as Jan West did upon retiring from her real estate company. In fact, the slower pace of retirement opens doors that have been closed to us in our working years or years busy with our children’s lives. Suddenly it’s not impossible to join a yoga class that meets in the middle of the day, or a cycling club that rides for hours each weekend, or swim in the English Channel Relay like former Frederick County school teacher, Janet Manning, has done. Not many would take up that challenge, but Janet was game to do that to commemorate her 50th birthday.

Frederick Lifestyle | September 2020

When we think about what may be in the years ahead, it can be encouraging and exciting; less stress and more time will do wonders for our health and longevity – but will health costs that we face in our senior years sabotage all of that potential? Playing one of the largest roles in both our health and financial considerations for retirement is Medicare, and because it’s both complicated and frankly, unenjoyable to learn about, many seniors approach their Medicare eligibility (for most Americans, at age 65) largely in the dark

ARTICLE EMILY O’HALLORAN PHOTOGRAPHY REBECCA MITCHELL

THERESA entrepreneur

about what to expect. The results of this can be shocking and disappointing; costs are generally much higher than they anticipated, care that they would have expected to be covered by Medicare will not be, and depending on location, plan and provider options may be limited. Without a foundational understanding of what Medicare costs, what it does and doesn’t cover, and what choices they’ll have access to, facing all of these considerations can leave many retiring Americans feeling robbed of some of the financial security and health benefits they were counting on. To minimize stress and maximize enjoyment of our senior years, it’s never too early to learn more about Medicare – if you’re approaching Medicare eligibility, you’ll have the confidence that comes from a clear vision of what lies ahead, and if you’re several years away, you’ll have the time you may need to save more for healthcare costs in your retirement years. Some of the things to learn now are:

+ Medicare has monthly premiums, deductibles, coinsurance and copayments; depending on your health needs, out-of-pockets costs for many Medicare beneficiaries can be several thousand dollars per year.

CONTINUED >

CityLifestyle.com/Frederick

HEALTHY LIFESTYLE (CONTINUED) + Medicare does not cover long-term care (also called custodial care), and most nursing home care is custodial care, so planning for long-term care costs in addition to Medicare costs is an important piece of a secure retirement.

+ Medicare does not cover dental care (Medicare plans that mention dental benefits are offering ancillary benefits that typically don’t exceed $1500-$2000 per year). The dental needs of seniors are often greater than those of younger people, especially as dental technology rapidly advances, so planning extra savings for years of dental care is critical.

+ Medicare plan options are different from one state to the next and even from one county to the next, and they will have varying costs depending on locality, as well (you may have the same plan as a cousin in North Carolina, but may be surprised to find that your premiums in Maryland are higher). You may see doctors who are critical to your care, but those providers are not in-network for the plan in your area that fits your budget. If you are many years away, staying on top of changes in the Medicare system and how they’ll impact you later is a wise practice, in addition to saving more with eyes towards realistic healthcare expenses in retirement. If your Medicare years are quickly approaching or you are already on Medicare, there is still good news – Medicare is constantly growing and making improvements that are focused on the whole health of its beneficiaries, and plan options in the Frederick area are improving each year, as well. With help from a licensed Medicare insurance professional, you can review your current plans and make cost-saving changes for the year ahead. Wherever you are on your path, knowing more will mean less stress – a winning combination for a healthy and prosperous retirement.

JAN expert 30

Frederick Lifestyle | September 2020

Emily O'Halloran

INDEPENDENT INSURANCE AGENT

ABOUT OUR AUTHOR: Emily O’Halloran, is a licensed Medicare insurance agent and the Executive Director of Medicare Portal. Medicare Portal is an independent insurance agency based in Tysons Corner that focuses solely on providing education and enrollment assistance to current and future Medicare beneficiaries. Emily, along with her associates, simplifies the transition into Medicare by spending time educating her clients about the moving parts of Medicare, including enrollment periods, costs and options. Since every beneficiary has unique medical needs, Emily’s focus is to listen intently, to understand your medical utilization and priorities, and to develop a solution that will best meet your medical and financial needs for the upcoming year. Emily works with clients in the DC Metro area and represents all the major carriers in the local marketplace. Best of all, there is no cost to her services or impact on your premiums because she and her associates are compensated by the insurance companies. In addition to the joy she finds in this role, she is the devoted mother of four and wife to T.J. Emily is driven by her desire to serve others in both her role as an agent and as a friend. She doesn’t eschew hard work and is committed to being excellent in all she does. Orange Theory, the beach, a glass of wine and good friends are a few of her favorite things. MedicarePortal.org

Know more, stress less. CityLifestyle.com/Frederick

REALTY REPORT

NEIGHBORHOOD

FREDERICK

ORIGINAL PRICE

SOLD PRICE

%SOLD/ORIG

DOM

BDRMS

BATHS

413 W Second St

$1,425,000

$1,250,000

88%

202

56 N Bentz St #A

$1,150,000

$1,100,000

96%

200 Magnolia Ave

$1,100,000

$995,000

90%

3700 Mackall St

$875,000

$865,000

99%

9405 Slate Quarry Rd

$835,000

$789,000

94%

6072 White Flint Dr

$820,000

$874,000

107%

6439 Mountaindale Rd

$799,900

$800,000

100%

3521 Buckeystown Pk

$899,000

$759,000

84%

275

7779 Dollyhyde Rd

$750,000

$782,200

104%

8544 Pete Wiles Rd

$780,000

100%

3604 Denison St

$775,000

$765,000

99%

4340 Basford Rd

$765,000

100%

105

4114 Weston Dr

$725,000

$735,000

101%

3613 Moline Ct

$765,000

$720,000

94%

142

3718 Basford Rd

$690,000

$665,000

96%

6141 Fallfish Ct

$744,900

$685,000

92%

103

Listing provided by Bright MLS. This reflects a 30 day time period prior to our print deadline. Information deemed reliable but not guaranteed.

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Frederick Lifestyle | September 2020

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RAISING FUNDS IN SUPPORT OF OVARIAN CANCER AWARENESS

INSPIRED BY

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Throughout September, there will be activities and

AWARENESS RUN/WALK WILL LOOK A LIT-

lots of contests to encourage participation in raising

TLE BIT DIFFERENT THIS YEAR. Taking place on

funds for the cause.

September 26, in compliance with the CDC guide-

Be sure to find us on Facebook! During the next few

lines for safety, it’s going to be a great time doing

months, we will be sharing videos and pictures of all

something good together! Event participants are

that people are doing on our Frederick Facebook page.

encouraged to walk, run, ride their bikes or engage in

We’re excited to celebrate our survivors and

other acts of tealness. Afterward, we’ll gather in the

caregivers and honor those we have lost to this ter-

evening to watch the national broadcast ceremony.

rible disease. Ovarian cancer doesn’t have bound-

In addition to the run/walk, we’ll be champion-

aries, so our crusade to eliminate it shouldn’t have

ing the cause the whole month of September, as

them either. Please join us, register and donate at

it’s designated Ovarian Cancer Awareness month.

RunWalk.Ovarian.org/Frederick.

Frederick Lifestyle | September 2020

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