Anne Arundel MD

ANNE ARUNDEL | MD | VOL. 5

FE ATURES 6

Interior Design Ideas

14 Time To Travel 20 Identity Theft 38 Estate Planning 46 Accessory Trends 50 Recommended Service Directory

6

TOURNAMENT SCHEDULES 24

PGA Tournaments

29

LPGA Tournaments

30

Grand Slam Tennis Tournaments - US Open

32

Grand Slam Tennis Tournaments - French

34

Grand Slam Tennis Tournaments - Australian

35

Grand Slam Tennis Tournaments - Wimbledon

50

Recommended Service Directory

24

4

INTERIOR DESIGN

I D E A S

After the last eighteen months, many people are now seriously considering updating their homes - creating new spaces, changing color schemes, furniture and even artwork. It’s become clear that home décor has an impact on emotions and well-being.

An emphasis on natural light, good ventilation, and biophilic (connection with nature) design have gained in popularity. This is accomplished with the use of indoor plants, skylights, and open indoor-outdoor floorplans.

Another noted concern is on climate change; many are now considering sustainability and which materials are best to use for the health of our planet.

Homeowners want spaces that reflect their personalities, interests, hobbies, and history. Outdoor spaces are being treated as integral parts of the home, creating additional rooms to expand a family’s living and entertainment spaces. Stylish furniture is being chosen to be compatible with the indoor space. (. . .continued on page 8)

6

7

Vintage and antique furniture are also making a comeback due to the widespread interest in sustainability. Lamps are important, not just for lighting, but also as art or a statement piece.

The styles of the 70’s have made a resurgence, but with a twist.

More muted and earthy tones have replaced bright orange, along with rounded furniture and multiple patterned fabrics.

CHOOSING COLORS IS AN IMPORTANT ELEMENT FOR THE DESIGN OF ANY HOME. This year Pantone has named “Very Peri” its color of the year.

“Very Peri” is a bold blue with violet-red undertones, often called periwinkle. Periwinkle represents serenity and calmness as well as vibrancy and excitement.

According to Pantone, “Veri Peri”

helps us embrace this altered landscape of possibilities, opening us up to a new vision as we re-write our lives: rekindling gratitude for some of the qualities that blue represents complemented by a new perspective that resonates today, Very Peri places the future ahead in a new light.

(. . .continued on page 10) 8

These are transformative times and “Very Peri is a symbol of the global zeitgeist of the moment and the transition we are going through.”

Expect to see Very Peri in many different shades and uses. It can be used as an accent color for pillows, glassware, accent chairs, area rugs or art.

Or one can try periwinkle patterned wallpaper to create excitement on walls, ceilings or even cabinets.

Etsy has named Emerald Green their color of the year. It is a reminder of nature and works well on walls, bedding, pillows, and art.

Other paint companies have chosen a more neutral color palettethis year in the belief that calm is needed after the uncertainty of the last two years.

Either way, bright cheerful colors are sometimes exactly what we need.

THE CHOICE IS

yours!

10

TIME TO

It is time to start thinking about traveling again.

Why not go somewhere historic and fun. Learn about Incan civilization at Machu Picchu in Peru or Mayan civilization in Mexico.

MACHU PICCHU PERU Machu Picchu, or the lost city as it is often referred to, is a bucketlist type of destination. As a world heritage site and one of the new Seven Wonders of the world, it is often considered to be the most spectacular urban creation of the Incan civilization.

It was built as a sacred site around 1430 by the 9th Incan king without

the use of mortar. The stonework for the buildings is so well put together that there are no gaps in the joins. Instead, stones were cut to fit together. The stones can weigh as much as 50 tons and were transported without wheels.

Rather, they were pushed up the hill by hundreds of men.

Visit the semi-circular Temple of the Sun which is built around an enormous boulder. See the Temple of the Moon and its (. . .continued on page 16)

14

ceremonial shrine built into a cave with niches that most likely held mummies. There is also a museum which explains how and why Machu Picchu was built.

Located 8000 feet above sea level and deep in the tropical forest, it offers amazing architecture, incredible scenery and an abundance of unusual flora and fauna.

There are 2 ways to arrive at Machu Picchu. One can travel by train from either Cusco or the Sacred Valley. Cusco is the easiest and the voyage takes 3.5 hours along the Urubamba River in the Sacred Valley. There is a hotel on site with a restaurant as well as luxury hotels in Cusco. Cusco is filled with historic sites from Incan and colonial times as well as restaurants, shopping and people watching.

YUCATAN PENINSULA MEXICO Along the Yucatan Peninsula, there are many historic sites built by the ancient Mayan people. One of the most popular is Tulum which is a well-preserved 13th century walled city situated on tall cliffs overlooking the Caribbean Sea. It is easily accessed from Cancun.

Visit El Castillo, the temple of the Frescoes and the Temple of the (. . .continued on page 18) 16

Descending God or explore the underground caverns of LabnaHa Eco Park and consider snorkeling in the caves of Cenote Dos Ojos.

A day trip from Tulum takes you to the city of Chichen Itza, another of the new Seven Wonders of the World. It is one of the largest and best preserved architectural sites in the world. There are many ancient Mayan structures including the famous El Castillo pyramid which dominates the center of the site. It is 98 feet tall. There is also an ancient

18

sports arena, the Osario Pyramid and the Temple of the Warriors.

The city was built over centuries going back as far as 600 ad and grew until the 1600’s when it was conquered by the Spanish.

Along with the historic sites on the Yucatan Peninsula, there are wonderful places to stay Cancun for a city feel and Playa del Carmen for a small-town vibe and there is no shortage of allinclusive beach resorts.

Identity theft is when someone uses your personal or financial information without your permission. They might steal your name and address, credit card or bank account numbers, Social Security number or medical insurance account numbers.

The information could then be used to make purchases, get new cards in your name, open a phone, electricity, or gas account, or even steal your tax refund or medical benefits No one wants to be the subject of identity theft. If it happens to you, there are steps you can take, and the government is there to help at Identitytheft.com.

The important thing is to take all the necessary steps to prevent it.

Keep your financial records, Social Security and Medicare cards and any other documents that have personal information in a secure place. If getting rid of them, be sure to shred them.

Do not give out your Social Security number other than to the IRS, your bank, and your employer without asking why they need it. If they have a valid reason, try offering just the last 4 digits.

If you are logging in to an online account, use a strong password.

Do not give your personal information to someone who calls, emails, or texts you. They could be a scammer trying to steal your information. (. . .continued on page 22)

20

In addition to taking steps to protect your information, there are things to do to detect identity theft.

Track what bills you owe and when they are due. If you stop getting a bill, that could be a sign someone changed your address or other information Review your bills for charges that don’t belong to you Check your bank account for withdrawals not made by you Get and review your credit reports, as accounts you don’t recognize could be a sign of identity theft.

Many companies sell identity theft protection services that may include credit monitoring, identity monitoring, identity recovery services, and identity theft insurance. These services may be offered by your bank or credit union, credit card provider, employer’s benefits program, or insurance company. Also, there are credit monitoring services like Equifax, Experian, and TransUnion that offer these services as well.

Identity monitoring services may notify you of a change of address request, court or arrest records, orders for new utility, cable or wire services, application for a payday loan, information on websites that sell stolen identity information.

Most will not notify you if someone uses your information to file a tax return and collect your refund, get Medicare benefits, get Medicaid benefits, get welfare benefits, claim Social Security benefits, or even claim unemployment benefits.

If you discover that someone is misusing your personal information visit: www .I dentity T heft . gov

Courtesy of Federal Trade Commission 22

2022 PGA TOURNAMENT SCHEDULE

* Schedule subject to change

DATES

TOURNAMENT

DEFENDING CHAMPION

JAN 6 - 9, 2022

Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI

Harris English $1,340,000

JAN 13 - 16, 2022

Sony Open in Hawaii Waialae Country Club, Honolulu, HI

Kevin Na $1,188,000

JAN 20 - 23, 2022

The American Express PGA WEST (Stadium), La Quinta, CA

Si Woo Kim $1,206,000

JAN 27 - 30, 2022

Farmers Insurance Open Torrey Pines (South), San Diego, CA

Patrick Reed $1,350,000

FEB 3 - 6, 2022

AT&T Pebble Beach Pro-Am Pebble Beach Golf Links, Pebble Beach, CA

Daniel Berger $1,404,000

FEB 10 - 13, 2022

Waste Management Phoenix Open TPC Scottsdale, Scottsdale, AZ

Brooks Koepka $1,314,000

FEB 17 - 20, 2022

The Genesis Invitational The Riviera Country Club, Pacific Palisades, CA

Max Homa $1,674,000

FEB 24 - 27, 2022

The Honda Classic PGA National (Champion), Palm Beach Gardens, FL

Matt Jones $1,260,000

MAR 3 - 6, 2022

Puerto Rico Open Grand Reserve Country Club, Rio Grande, PUR

Branden Grace $540,000

MAR 3 - 6, 2022

Arnold Palmer Invitational presented by Mastercard Bay Hill Club & Lodge, Orlando, FL

Bryson DeChambeau $1,674,000

MAR 10 - 13, 2022

THE PLAYERS Championship TPC Sawgrass, Ponte Vedra Beach, FL

Justin Thomas $2,700,000

MAR 17 - 20, 2022

Valspar Championship Innisbrook Resort (Copperhead), Palm Harbor, FL

Sam Burns $1,242,000

MAR 23 - 27, 2022

World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX

Billy Horschel $1,820,000

MAR 24 - 27, 2022

Corales Puntacana Resort & Club Championship Corales Golf Course, Punta Cana, DOM

Joel Dahmen $540,000

MAR 31 - APR 3, 2022

Valero Texas Open TPC San Antonio (Oaks Course), San Antonio, TX

Jordan Spieth $1,386,000

APR 7 - 10, 2022

Masters Tournament Augusta National Golf Club, Augusta, GA

Hideki Matsuyama $2,070,000

APR 14 - 17, 2022

RBC Heritage Harbour Town Golf Links, Hilton Head, SC

Stewart Cink $1,278,000

APR 21 - 24, 2022

Zurich Classic of New Orleans TPC Louisiana, Avondale, LA

M. Leishman / C. Smith $1,069,300

APR 28 - MAY 1, 2022

Mexico Championship

MAY 5 - 8, 2022

Wells Fargo Championship TPC Potomac at Avenel Farm, Potomac, MD

Rory McIlroy $1,458,000

(. . .continued on page 28) 24

2022 PGA TOURNAMENT SCHEDULE

28

* Schedule subject to change

DATES

TOURNAMENT

DEFENDING CHAMPION

MAY 12 - 15, 2022

AT&T Byron Nelson TPC Craig Ranch, McKinney, TX

K.H. Lee $1,458,000

MAY 19 - 22, 2022

PGA Championship Southern Hills CC, Tulsa, OK

Phil Mickelson $2,160,000

MAY 26 - 29, 2022

Charles Schwab Challenge Colonial Country Club, Fort Worth, TX

Jason Kokrak $1,350,000

JUN 2 - 5, 2022

the Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH

Patrick Cantlay $1,674,000

JUN 9 - 12, 2022

RBC Canadian Open St. George's G&CC, Toronto, ON, CAN

Rory McIlroy $1,368,000

JUN 16 - 19, 2022

U.S. Open The Country Club, ,

Jon Rahm $2,250,000

JUN 23 - 26, 2022

Travelers Championship TPC River Highlands, Cromwell, CT

Harris English $1,332,000

JUN 30 - JUL 3, 2022

John Deere Classic TPC Deere Run, Silvis, IL

Lucas Glover $1,116,000

JUL 7 - 10, 2022

Barbasol Championship Keene Trace Golf Club, Nicholasville, KY

Seamus Power $630,000

JUL 7 - 10, 2022

Genesis Scottish Open

JUL 14 - 17, 2022

Barracuda Championship Tahoe Mt. Club (Old Greenwood), Truckee, CA

Erik van Rooyen $630,000

JUL 14 - 17, 2022

The Open Championship St. Andrews Links (Old Course), Fife, SCO

Collin Morikawa $2,070,000

JUL 21 - 24, 2022

3M Open TPC Twin Cities, Blaine, MN

Cameron Champ $1,188,000

JUL 28 - 31, 2022

Rocket Mortgage Classic Detroit Golf Club, Detroit, MI

Cam Davis $1,350,000

AUG 4 - 7, 2022

Wyndham Championship Sedgefield Country Club, Greensboro, NC

Kevin Kisner $1,152,000

AUG 11 - 14, 2022

FedEx St. Jude Championship TPC Southwind, Memphis, TN

Dustin Johnson $1,710,000

AUG 18 - 21, 2022

BMW Championship Wilmington Country Club, Wilmington, DE

Jon Rahm $1,710,000

AUG 25 - 28, 2022

TOUR Championship East Lake Golf Club, Atlanta, GA

Dustin Johnson

2022 LPGA TOURNAMENT SCHEDULE DATES Jan. 20-23 Jan. 27-30 Feb. 4-6 / 11-13 March 3-6 March 10-13 March 24-27 March 31 - April 3 April 13-16 April 21-24 April 28 - May 1 May 12-15 May 25-29 June 2-5 June 10-12 June 16-19 June 23-26 July 13-16 July 21-24 July 28-31 Aug. 4-7 Aug. 11-14 Aug. 25-28 Sept. 1-4 Sept. 8-11 Sept. 15-18 Sept. 23-25 Sept. 29 - Oct. 2 Oct. 6-9 Oct. 13-16 Oct. 20-23 Oct. 27-30 Nov. 3-6 Nov. 10-13 Nov. 17-20

TOURNAMENT

* Schedule subject to change ** Purse subject to change

Hilton Grand Vacations Tournament of Champions Lake Nona G. and C.C., Orlando, Florida Gainbridge LPGA at Boca Rio Boca Rio G.C., Boca Raton, Florida LPGA Drive On Championship Florida location to be announced HSBC Women's World Championship Sentosa G.C., Singapore Honda LPGA Thailand Siam C.C., Pattaya, Chonburi, Thailand JTBC Classic presented by Barbasol Aviara G.C., Carlsbad, California The Chevron Championship Mission Hills C.C., Rancho Mirage, California LOTTE Championship Hawaii location to be announced JTBC LA Open Wilshire C.C., Los Angeles, California JTBC Championship at Palos Verdes Palos Verdes G.C., Palos Verdes Estates, California Cognizant Founders Cup New Jersey location to be announced Bank of Hope LPGA Match-Play Hosted by Shadow Creek Shadow Creek, Las Vegas, Nevada U.S. Women's Open Pine Needles Lodge and G.C., Southern Pines, North Carolina ShopRite LPGA Classic presented by Acer Seaview, A Dolce Hotel (Bay Course), Galloway, New Jersey Meijer LPGA Classic for Simply Give Blythefield C.C., Grand Rapids, Michigan KPMG Women's PGA Championship Congressional C.C., Bethesda, Maryland Dow Great Lakes Bay Invitational Midland C.C., Midland, Michigan Amundi Evian Championship Evian Resort G.C., Evian-les-Bains, France Trust Golf Women's Scottish Open Dundonald Links, Ayrshire, Scotland AIG Women's Open Muirfield, East Lothian, Scotland ISPS Handa World Invitational Galgorme Castle G.C., and Massereene G.C., Antrim, Northern Ireland CP Women's Open Ottawa Hunt and G.C., Ottawa, Ontario, Canada Dana Open presented by Marathon Highland Meadows G.C., Sylvania, Ohio Kroger Queen City Championship presented by P&G Kenwood Country Club, Cincinnati, Ohio Portland Classic Oregon location to be announced Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas Volunteers of America Classic Old American G.C., The Colony, Texas LPGA MEDIHEAL Championship The Saticoy Club, Somis, California Buick LPGA Shanghai Qizhong Garden G.C., Shanghai, People's Republic of China BMW Ladies Championship Korean location to be announced Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei TOTO Japan Classic Seta Golf Course, Shiga, Japan Pelican Women's Championship Pelican G.C., Belleair, Florida CME Group Tour Championship Tiburon G.C., Naples, Florida

PURSE $1.2M $2M $1.5M $1.7M $1.6M $1.5M $5M $2M $1.5M $1.5M $3M $1.5M $5.5M** $1.75M $2.5M $4.5M $2.5M $4.5M $2M $6.8M $1.5M $2.35M $1.75M $1.75M $1.4M $2.3M $1.5M $1.8M $2.1M $2M $2.2M $2M $2M $7M

29

2022 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change ** Start Times Listed in EST

SESSION

30

DATE

SCHEDULE

PLAY START

MATCHES

1

Sun 29 Aug

Day

11.00am

Men’s / Women’s 1st Round

2

Sun 29 Aug

Night

7.00pm

Men’s / Women’s 1st Round

3

Mon 30 Aug

Day

11.00am

Men’s / Women’s 1st Round

4

Mon 30 Aug

Night

7.00pm

Men’s / Women’s 1st Round

5

Tue 31 Aug

Day

11.00am

Men’s / Women’s 2nd Round

6

Tue 31 Aug

Night

7.00pm

Men’s / Women’s 2nd Round

7

Wed 1 Sep

Day

11.00am

Men’s / Women’s 2nd Round

8

Wed 1 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

9

Thu 2 Sep

Day

11.00am

Men’s / Women’s 3rd Round

10

Thu 2 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

11

Fri 3 Sep

Day

11.00am

Men’s / Women’s 3rd Round

12

Fri 3 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

13

Sat 4 Sep

Day

11.00am

Men’s / Women’s Round of 16

14

Sat 4 Sep

Night

7.00pm

Men’s / Women’s Round of 16

15

Sun 5 Sep

Day

11.00am

Men’s / Women’s Round of 16

16

Sun 5 Sep

Night

7.00pm

Men’s / Women’s Round of 16

17

Mon 6 Sep

Day

12.00pm

Men’s / Women’s Quarterfinals

18

Mon 6 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

19

Tue 7 Sep

Day

12.00pm

Men’s / Women’s Quarterfinals

20

Tue 7 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

21

Wed 8 Sep

Day

12.00pm

Women’s Semifinals Men’s / Women’s Doubles Semifinals

22

Thu 9 Sep

Day

12.00pm

Men’s / Mixed Doubles Finals Men’s Semifinal 1

23

Thu 9 Sep

Night

7.00pm

Men’s Semifinal 2

24

Fri 10 Sep

Day

12:00 PM

Mixed / Men’s Doubles Finals Women’s Final

25

Sat 11 Sep

Day

1:00 PM

Men's Final Women’s Doubles Final (. . .continued on page 32)

2022 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

DATE

PLAY START

SESSION

MAY 22 - SUN

Day - 11:00 AM

1st Round

MAY 23 - MON

Day - 11:00 AM

1st Round

MAY 23 - MON

Evening - 9:00 PM

1st Round

MAY 24 - TUE

Day - 11:00 AM

1st Round

MAY 24 - TUE

Evening - 9:00 PM

1st Round

MAY 25 - WED

Day - 11:00 AM

2nd Round

MAY 25 - WED

Evening - 9:00 PM

2nd Round

MAY 26 - THU

Day - 11:00 AM

2nd Round

MAY 26 - THU

Evening - 9:00 PM

2nd Round

MAY 27 - FRI

Day - 11:00 AM

3rd Round

MAY 27 - FRI

Evening - 9:00 PM

3rd Round

MAY 28 - SAT

Day - 11:00 AM

3rd Round

MAY 28 - SAT

Evening - 9:00 PM

3rd Round

MAY 29 - SUN

Day - 11:00 AM

4th Round

MAY 29 - SUN

Evening - 9:00 PM

4th Round

MAY 30 - MON

Day - 11:00 AM

4th Round

MAY 30 - MON

Evening - 9:00 PM

4th Round

MAY 31 - TUE

Day - 12:00 PM

Quarterfinals

MAY 31 - TUE

Evening - 5:00 PM

Quarterfinals

JUN 01 - WED

Day - 12:00 PM

Quarterfinals

JUN 01 - WED

Evening - 9:00 PM

Quarterfinals

JUN 02 - THU

Day - 2:00 PM

Semifinals

JUN 03 - FRI

Day - 3:00 PM

Semifinals

JUN 04 - SAT

Day - 3:00 PM

Women's Singles Final, Men's Doubles Final

JUN 05 - SUN

Day - 3:00 PM

Men's Singles Final

(. . .continued on page 34) 32

2022 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

Session

34

Date

Time

1

Mon, January 17, 2022

11:00 AM

Men's and Women's 1st Round

Featured Matches

2

Mon, January 17, 2022

7:00 PM

Men's and Women's 1st Round

3

Tue, January 18, 2022

11:00 AM

Men's and Women's 1st Round

4

Tue, January 18, 2022

7:00 PM

Men's and Women's 1st Round

5

Wed, January 19, 2022

11:00 AM

Men's and Women's 2nd Round

6

Wed, January 19, 2022

7:00 PM

Men's and Women's 2nd Round

7

Thu, January 20, 2022

11:00 AM

Men's and Women's 2nd Round

8

Thu, January 20, 2022

7:00 PM

Men's and Women's 2nd Round

9

Fri, January 21, 2022

11:00 AM

Men's and Women's 3rd Round

10

Fri, January 21, 2022

7:00 PM

Men's and Women's 3rd Round

11

Sat, January 22, 2022

11:00 AM

Men's and Women's 3rd Round

12

Sat, January 22, 2022

7:00 PM

Men's and Women's 3rd Round

13

Sun, January 23, 2022

11:00 AM

Men's and Women's 4th Round

14

Sun, January 23, 2022

7:00 PM

Men's and Women's 4th Round

15

Mon, January 24, 2022

11:00 AM

Men's and Women's 4th Round

16

Mon, January 24, 2022

7:00 PM

Men's and Women's 4th Round

17

Tue, January 25, 2022

11:00 AM

Men's and Women's Quarterfinals

18

Tue, January 25, 2022

7:00 PM

Men's and Women's Quarterfinals

19

Wed, January 26, 2022

11:00 AM

Men's and Women's Quarterfinals

20

Wed, January 26, 2022

7:30 PM

Men's and Women's Quarterfinals

21

Thu, January 27, 2022

11:00 AM

Women's Semifinals

22

Thu, January 27, 2022

7:30 PM

Men's Semifinal

23

Fri, January 28, 2022

3:00 PM

Mixed Doubles Semi / Women's Doubles Final / Men's Singles SemiFinal

24

Sat, January 29, 2022

4:00 PM

Men's Doubles Final / Women's Singles Final

25

Sun, January 30, 2022

4:00 PM

Mixed Doubles Final / Men's Singles Final

2022 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

DATE

PLAY START

SESSION

Mon, Jun 27

11:00 AM

Men's & Ladies' 1st Round

Tues, Jun 28

11:00 AM

Men's & Ladies' 1st Round

Wed, Jun 29

11:00 AM

Men's & Ladies' 2nd Round

Thurs, Jun 30

11:00 AM

Men's & Ladies' 2nd Round

Fri, July 01

11:00 AM

Men's & Ladies' 3rd Round

Sat, July 02

11:00 AM

Men's & Ladies' 3rd Round

Sun, July 03

11:00 AM

Men's & Ladies' 4th Round

Mon, July 04

11:00 AM

Men's & Ladies' 4th Round

Tues, July 05

11:00 AM

Ladies' Singles Quarterfinals

Wed, July 06

11:00 AM

Men's Singles Quarterfinals

Thurs, July 07

1:00 PM

Ladies' Singles Semifinals

Fri, July 08

1:00 PM

Men's Singles Semifinals

Sat, July 09

2:00 PM

Ladies' Singles Final, Men's Doubles Final, Ladies' Doubles Final

Sun, July 10

2:00 PM

Men's Singles Final, Mixed Doubles Final

35

DO YOU HAVE AN UP-TO-DATE

E S TATE PL AN?

The first thing to understand is that writing a will and having an estate plan are actually two different processes, even though an estate plan will include a will.

Wills Creating a will can be a fairly simple process. It will address who will take care of your children, who will take over your business, and who receives your assets and other personal property.

A will requires the naming of an executor responsible for fulfilling the deceased’s wishes.

Having one’s wishes defined in a will ensures privacy, helps avoid family disputes and saves money by avoiding probate and the expense of attorneys and public trustees to determine the distribution of assets which then becomes public information.

Estate Planning Estate planning is the process of designating who will manage and distribute assets after death or incapacitation. It is a more intensive process and includes a variety of documents including the last will and testament. While it may be overwhelming to contemplate, a well-designed estate plan will ensure that assets are distributed according to one’s wishes. In addition to the last (. . .continued on page 40) 38

will and testament, an estate plan might include a living will, a financial power of attorney, a living trust, and beneficiary designations. An estate plan can be particularly helpful in the case of multiple marriages, business ownership, specific charitable donations, or specific requests for health or property. It can also ensure wishes are carried out and that assets are distributed as designated.

Living Will A living will is a document that describes the type of care one would want if incapacitated and cannot speak for themself. This can assist the family with difficult decisions and avoid confusion.

A financial power of attorney allows for a designated appointee to handle financial affairs in the event of incapacitation. They can make financial decisions in accordance with the instructions defined in the estate plan.

Living Trust A living trust is a document created during one’s life where a designated person, the trustee, is given responsibility for managing that individual’s assets for the benefit of the eventual beneficiary. It is designed to allow for the easy transfer of assets, thereby avoiding probate. A living revocable trust allows someone to be their own trustee and allows for changes in beneficiary at any time. An irrevocable living trust is restrictive, and beneficiaries may not be changed but there are certain beneficial tax consequences.

40

(. . .continued on page 42)

Beneficiary designations explain who receives which assets such as an IRA, insurance policy, savings account, or other financial instruments.

A well-executed estate plan can minimize gift, estate and generation skipping transfer taxes to ensure that the family receives as much of the deceased’s estate as possible. Everyone’s plan is different and requires the right team of professionals to implement. It is also important to update the plan regularly as personal circumstances, legislation, and tax laws change frequently.

This article is for informational purposes only. Please consult a professional.

42

ORY

r o f s d Tren

S ACCES

After staying in the house, wearing sweats and other assorted quarantine gear, it is time for a change. Many are now finally ready to dress up, even while still wearing masks and social distancing.

Break out all of those accessories that piled up from months of online shopping.

Nobody will judge if you overaccessorize.

The new year brings changing trends in jewelry, both traditional and avant-garde. Pearls have always been in, but we are now seeing more of the freshwater variety. They have a more contemporary look.

From pearl drop earrings to layered necklaces that mix

46

pearls with other materials, pearls work for all occasions.

There are also personalized extra-long pendant necklaces and charm bracelets. Colorful beads are always a hit, whether worn as earrings, necklaces, or bracelets. Chain link necklaces and bracelets with attached charms are also hot at the moment. And feel free to

stack rings on a couple fingers while you’re at it!

A brand new trend is mismatched earrings or simply wearing one dramatic shoulder grazing earring. Of course two shoulder length earrings also work. Mixing and matching different textures is also very popular. Instead of smooth gold hoops, go for a textured pair in silver; silver has made a huge comeback.

Several top designers have moved towards mini handbags recently, often on long chains. They can even be worn as a necklace. And of course, let’s not forget about diamonds. They remain at the top of the food chain. Just ask Marilyn Monroe -“Diamonds Are A Girl’s Best Friend”.

Hair

ornaments

of

all

sizes

47

can make a powerful fashion statement.

There are a multitude of choices from traditional headbands to pearl hairpins or hair clips, barrettes, and even scrunchies. They come in a variety of fabrics from velvet to fur to leather. Most popular are headbands embellished with pearls, rhinestones or feathers. You’ll always look chic with a headband!

Regardless of individual style, all can agree – now is the time to shine!

48

RECOMMENDED SERVICE DIRECTORY ASSISTED LIVING Bay Villages...........................................................................................................................43, 45 ASSOCIATE BROKER Glory Bee Costa- Keller Williams Select Realtors...................................................................52 Yael Beckman- CB Moves..........................................................................................................15 BALLET COMPANY Ballet Theatre of Maryland................................................................................................. 36-37 BATHROOM REMODELING Remodel USA LLC............................................................................................................. 5, 26-27 BROKER Ross Tobin- ReMax Aspire........................................................................................................11 COMMERCIAL ELECTRICAL SERVICES Cook Electric Inc........................................................................................................................... 1 CONCRETE Ernest Maier...............................................................................................................................41 CONSTRUCTION Rainbow Construction Corp of Waldorf............................................................. Back Inside Cover DECK RESTORATION We Restore Decks........................................................................................................................ 3 ELECTRICIAN Cook Electric Inc........................................................................................................................... 1 FIDUCIARY SOLUTIONS Steven Goldberg- Lincoln Financial Advisors..........................................................................19 FINANCIAL ADVISOR Jamie Waldren- Wells Fargo Advisors......................................................................................39 Nick Lamanna- northwestern Mutual.....................................................................................45 FINANCIAL CONSULTING Wadsworth Financial Consulting................................................................................... BackCover FINANCIAL PLANNER J.W. Thomas - Ameriprise Financial................................................................... Front Inside Cover

50

RECOMMENDED SERVICE DIRECTORY INTERNTAIONAL REALTY Monument Sotheby’s International Realty.............................................................................41 INVESTMENTS Jamie Waldren- Wells Fargo Advisors......................................................................................39 INVISALIGN PROVIDER Benkovich Orthodontics........................................................................................... Front Cover, 9 LUXURY REAL ESTATE Heffernan Properties LLC........................................................................................................... 7 LUXURY RESIDENTIAL REAL ESTATE David Luptak, Annapolis Area Real Estate..............................................................................49 MARITIME MUSEUM Annapolis Maritime Museum...................................................................................................17 MASONRY Ernest Maier...............................................................................................................................41 MORTGAGES Victor Wazen- Guaranteed Rate...............................................................................................31 MUSEUM Annapolis Maritime Museum...................................................................................................17 NON PROFIT United Way of Central Maryland..............................................................................................15 ORTHODONTIT Benkovich Orthodontics........................................................................................... Front Cover, 9 PRIVATE SCHOOL St. Anne’s School of Annapolis.................................................................................................23 PRIVATE WEALTH ADVISOR J.W. Thomas - Ameriprise Financial................................................................... Front Inside Cover REAL ESTATE Cindy Nairn- Coldwell Banker Realty.......................................................................................45 DRB Eastern Shore LLC.............................................................................................................33

51

RECOMMENDED SERVICE DIRECTORY REMODELING AND REPAIR We Restore Decks........................................................................................................................ 3 REMODELING CONTRACTOR Blue Horizon Renovations................................................................................................. 12-13, RESIDENTAL ELECTRICAL SERVICES Cook Electric Inc........................................................................................................................... 1 RESIDENTIAL REAL ESTATE Re/Max Leading Edge................................................................................................................25 RESTAURANT S and J Riverfront Inc........................................................................................................... 44-45 RETIREMENT COMMUNITY Londonberry on the Tred Avon................................................................................................49 RETIREMENT PLANNING Steven Goldberg- Lincoln Financial Advisors..........................................................................19 SENIOR LIVING Bay Villages...........................................................................................................................43, 45 SHOWER SYSTEMS Remodel USA LLC............................................................................................................. 5, 26-27 THEATRE Ballet Theatre of Maryland................................................................................................. 36-37 UROLOGY AAUrology...................................................................................................................................21 WELATH MANAGEMENT Wadsworth Financial Consulting................................................................................... Back cover