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Annapol i s HOME Serving Anne Arundel, The Eastern Shore & Beyond • Vol. 3 No. 4 2012

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Riverkeeper's A


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Cabin Tour a Nantucket Home in St. Michaels Caught on Camera at the National Gallery

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FEATURES Among the Weeds Paca House horticulturist Mollie Ridout muses upon weeds.

A Nantucket Home in St. Michaels Architect Lyman Perry creates coastal architecture that inspires.

Caught on Camera

Art critic Virginia K. Adams, Ph.D., reviews an extraordinary portrait exhibition at The National Gallery of Art.



Publishers’ Letter


Robert’s Picks


Water Report


Finance at Home

44 In the Kitchen: Summer Bruschetta 6

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Inside a Riverkeeper’s Cabin: A Resourceful Family

Makes Life Beautiful Riverkeeper Tom Leigh built a cabin to conserve energy and delight the senses.


Vol. 3, No. 4 2012 7

Annapol i s HOME garden • dock •• garage

Editor Kymberly B. Taylor Creative Director Ryan Gladhill Senior Designer Samantha Gladhill Contributing Photographers Geoffrey Hodgdon Christine Fillat Deborah Whitlaw Llewellyn

Publishers’ Letter

Contributing Writers Jerri Anne Hopkins Christine Fillat Mollie Ridout Gay Jervey

Much of what appears in these pages results from our adventure of discovery. That is the case of our story on the Miles Wye Riverkeeper whose cabin and whole lifestyle will surely intrigue you. We need trained people who are devoted to caring for and monitoring our waters and that is one of the jobs of a riverkeeper. This story inspired us to examine the state of our local waters, which is reported in "Troubled Waters."

Proofreader Jerri Anne Hopkins

We look for designs and homes that tell a story about the distinct culture of the greater Annapolis region. While the riverkeeper's cabin does that, so does the architecturally designed and custom-built Nantucket home in St. Michaels. Our story on this lovely home reveals how the architect infused the Nantucket form with Chesapeake Bay references and history. We were delighted when Mollie Ridout, Horticulturist of the Paca House and a writer for Annapolis Home Magazine, submitted a poem-like piece on her encounter with weeds. The next time you find yourself on the ground pulling weeds, we hope Ridout's reflections inspire you to look at them in a new light. In addition to our primary commitment to explore and elevate design in the Annapolis region, we are committed to promoting the arts in our area. We are fortunate to have significant performing arts groups and museums locally, which need our full support, and within just an hour's drive. For this issue, art historian Virginia Adams offers her insights on a major photography exhibition currently on view at the National Gallery of Art. So much of how we live everyday depends on the decisions we make about money. Our purpose in bringing you the "Finance at Home" column each issue is to help you make informed and wise decisions about your money management. Finally, you will love Jay Schwarz' summer brushetta. We made it ourselves and definitely recommend this delicious treat! Until next time,

Kymberly Taylor & Robert Haywood Publishers


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Publishers Kymberly B. Taylor Robert E. Haywood

Advertising in Annapolis Home Through its advertisements, Annapolis Home strives to showcase businesses that possess a strong commitment to high standards of professional integrity and customer service. We seek advertisers who share our business philosophy. For advertising inquiries, please contact Robert Haywood at or please call 443.942.3927

Annapolis Home Magazine P.O. Box 6560, Annapolis, MD 21401 Annapolis Home is published bimonthly by Taylor Haywood Media LLC. No part of this magazine may be reproduced in any form without express written consent of the publishers. Publishers disclaim any and all responsibility for omissions and errors. Publishers disclaim any and all responsibility for an advertiser’s products, services, or claims. The views expressed in this magazine are solely those of the writer. All rights reserved. © 2012 by Taylor Haywood Media LLC

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Mark your calendar for this fun and free musical event for the whole family—the Lexus Summer Concert—Pops in the Park. The concert, performed by the Annapolis Symphony Orchestra, will be held on September 2nd beginning at 5:30 p.m. Parking, family friendly, alcohol free. Arrive early and bring blankets or chairs for prime field seating. Rain date Monday, September 3rd. For more information go to: www.


More great summer family concerts: Historic London Town and Gardens in Edgewater offers a Summer Concert Service with upcoming concerts on July 22nd, July 29th and August 5th, 19th, and 26th. Each concert has a theme with the July 22nd concert titled “The Caribbean Nights.” Bring your own picnic and lawn chairs. Concert is free, although a $10 donation for the Museum and Gardens is greatly appreciated. For information go to


Here in another summer art event not to be missed: The Maryland Shakespeare Festival presents A Midsummer Night's Dream at Annapolis Summer Garden Theatre on July 23rd–25th at 8:30pm. Get more details at

Annapolis Symphony Orchestra Photograph courtesy of Don Dement


While enjoying the summer, get ready for the fall. Now is the time to plan your fall calendar so that you can attend exceptional performing arts events in the Annapolis area. The Annapolis Symphony Orchestra, Annapolis Opera, and Bay Theatre have all been hard at work planning their 2012–2013 season. Supporting the arts in your hometown is important and purchasing season tickets is a good way to do so!


This September, Baldwin Homes will unveil the Maryland Green Designer Show Home at The Preserve at Severn Run in Gambrills. This ambitious green home, designed by Purple Cherry Architects and built by Baldwin Homes, will be open for tours with funds raised supporting both the Hospice of the Chesapeake and Make-A-Wish Foundation. The eco-friendly home also includes the work of interior designers who will design the spaces throughout the home. Stay up-to-date on the building progress and tour information by following the MGDSH Facebook page at:

Robert Haywood, Ph.D., studied art and architectural history at the University of Michigan, Ann Arbor. He has taught at MIT, Johns Hopkins University and been a residential fellow at the Center for Advanced Study in the Visual Arts and the Getty Center in Los Angeles.

Vol. 3, No. 4 2012 9

This low-tech log house has almost no drywall and is composed mainly of cedar. Rain barrels are posted at every downspout to collect rainwater, which is rerouted to water the gardens. There are very few plastic toys in this house. The family prefers that the children play with toys made from wood or other natural materials. Opposite: During the summer, Tom Leigh patrols the rivers almost daily on his boat, named Linda June after his mother. Rules state that every Riverkeeper must have a boat. This one was a gift from his father, who lives conveniently just next door.


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Riverkeeper's Cabin on the Wye River A Resourceful Family Makes Life Beautiful

By Jerri Anne Hopkins Photography by Geoffrey Hodgdon

Vol. 3, No. 4 2012 11


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Have you ever been so immersed in nature that you can almost hear things grow? Hearing, along with all the other senses, come alive when entering Tom and Courtney Leigh’s world in Queenstown on Maryland’s Eastern Shore. Three yards from their log cabin on the Wye River, a fleet of skates feed in the shallows, plunging and rising as river mud boils about them. Their log cabin is circled by lush gardens, artfully unmanicured, including a wildflower meadow and vegetable patches overflowing with giant orange squash blossoms, bees, and butterflies. When strolling past, one hears a faint buzzing and inhales that particular scent tomatoes emit as their flesh over-ripens in the July sun. Tom is the Miles/Wye Riverkeeper and Courtney teaches marine sciences. The couple has devoted their careers to environmental conservation and they take seriously the “carbon footprint” they are creating. Yet, this word, which refers to “the amount of greenhouse gases one emits into the environment” sounds too technical here. Reducing their carbon footprint is much more than a practice for this family of four. It is a lifestyle and a very fine one. And this is why their home and landscape are so interesting. The compound was once a working farm, with fields stretching to the water’s edge. Leigh’s parents purchased the land and divided it into lots, one for themselves, Tom and his brother. They planted a tree farm about 30 years ago. “All the woods you see on our lots—mine, my parents’ and my brother’s on the other side—are re-plantings. We started the trees 30 years ago as a cash crop. It’s a fairly easy thing to set up if you have the available land. A forester comes in to help manage it—thinning the trees that aren’t growing properly or are unmarketable, and improving the general health of the forest. And it all goes back to the eco-footprint goal. My house produces a certain amount of waste that affects the environment and we can offset that with the trees.” When it came to choosing the type of house to build, the Leighs chose a log house made from lumber from a plantation. They visited different models, one that was finished and another half built. The house took a year to build, a few months longer than an ordinary stick-built house of comparable size. Everything, especially wiring, plumbing and HVAC, had to be carefully laid out ahead of time. The walls are made of solid tree trunks, so there are no empty spaces between wall supports or joists to run—or re-run—wires or pipes. Once they are in place, there is no going back. One interesting aspect of the house is that there are no subfloors or insulation or soundproofing between the first and second stories. The flooring is solid planks of wood. If there are knotholes, you can see through to the floor below. At night, if the lights are off downstairs, you can see lots of little spots of light in the ceiling. The height of the great room ceiling and the open floor plan can make it a little noisy, especially when their daughters and the dogs get excited. Once through the front door, you enter the two-story great room with full-length windows framing the Wye River. On the right are a massive stone fireplace and chimney with a wood stove. The chimney has a flue in basement for a future wood stove. The Leighs use the fireplace for ambiance and heat for the beginning and end of the cold season. The wood stove heats the whole house—warmth rises up through the open space into the upstairs bedrooms. And with the tree farm there’s an endless supply of wood.

Exposed cedar beams give this kitchen a rustic sensibility heightened by the absence of chrome and obtrusive appliances. Courtney Leigh chose a dusky green for the kitchen walls and paired it with rustic floor tiles in warm tones. The kitchen’s built-in shelves are stocked with pottery dishes.

The second floor is reached by a two-level stair with a doggie/child gate Tom built from left-over house materials. The balcony and hallway overlooks the great room. The second floor is really a half story with dormers in the rooms. A few skulls of deer and small animals that Leigh found in the woods or on the beach are displayed on the walls. An open bench pew from an old church, purchased from the well-known Crumpton auctions, is tucked into the hallway. It’s a perfect spot to sit and enjoy the view from the tall great room windows.

Vol. 3, No. 4 2012 13

To the right off the hallway is the bedroom the Leighs’ two daughters share. The curtain rods are made from small tree limbs found on the property. Intriguing and whimsical objects perfectly suited to children (or the child in all of us) are scattered throughout the room. This bedroom is small but cozy and bright, easy to heat and cool, and has charming views of the river and the strip of woods between them and Grandma’s house. Much of the furniture was made by the girls’ grandfather or uncle next door and will become cherished heirlooms. The Leighs’ carbon footprint is smaller than most. We congratulate them on their efficiency. They are our inspiration. Yet, there is something else wonderful going on. You just feel good here. Perhaps it is that warm wood glow everywhere you turn, the absence of most electronics and plastic toys. Or, it could be the way the sun falls from the great windows upon the small hand-carved children’s table. When there is laughter, it rises to the rafters. When there is silence, it is an eloquent one for there is much going on, just beneath the surface of the Wye River, the gardens, the forest, and creative minds of this family.

Tom Leigh built this table from oak stored in his father’s barn for over a decade. He took care to use boards with many worm holes, which give the wood character. Photo Courtesy of the DePaolas


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Tom Leigh composed this little shelf from walnut trees he found on his land and then aged. He shifted into what he calls “Tom’s project mode” and completed it in one week, when Courtney and the kids were out of town.

Vol. 3, No. 4 2012 15

Who is a Riverkeeper? Riverkeepers are advocates for bodies of water that are listed as impaired by the Environmental Protection Agency and are licensed by the Waterkeeper Alliance. There are now 13 riverkeepers in Maryland. The Miles/Wye Riverkeeper position is under the direction of the Choptank River Eastern Bay Conservancy. The term ‘Riverkeeper’ is a trademarked name and there are certain standards that must be followed to uphold the privilege of being a Riverkeeper, or Lakekeeper, Creekkeeper, or whatever body of water it is. A Riverkeeper must be fulltime and must be paid. Another requirement is that the keeper must have a boat with the river’s name on it. Riverkeepers not only use it to patrol the river, monitor water quality, look for violations and pollution sources, but also to be seen. “If there’s always this person on a boat on the river, people will know whom to call if they see something is wrong or if they have a question,” Tom Leigh, the Miles/Wye Riverkeeper, says. “We not only protect the river, we educate the residents on how to help protect the river.” Leigh continues, “First and foremost, a Riverkeeper’s job is to stop pollution in the waterway he/she monitors. Basically we


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all use the Clean Water Act as our basis for holding polluters accountable, whether it’s industrial, government, residential, agricultural, whatever. Each watershed is unique in the sources of pollution that affect it.” “I do a lot of critical area and restoration work,” Leigh adds, “particularly working with farmers to implement practices such as buffers and cover crops. Here on the Shore we have a lot of non-point sources, where the Western Shore has more point sources like industrial outflow, large parking lots, and so on. I also do water quality monitoring and keep my eyes open for changes in the rivers. One of the most important things I do is to help people here learn how they can help control pollution on their land themselves, answering questions, helping them find information, making suggestions."

Resource: Miles-Wye Riverkeeper, Jerri Anne Hopkins is president of Words & Pictures, Inc., and also writes the Around South County column for The Capital.

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Weeds Among the

By Mollie Ridout

A weed, so they say, is just a plant that’s out of place. I’ll grant you that it’s a plant, and certainly it’s out of place or we wouldn’t bother pulling it. But what offends me the most about weeds is the way they take over and crowd out the good stuff. For me, weeding means going on the offensive and protecting my babies––the peas, the tomatoes, the columbine, the peonies. And weed by weed I get to know their names—hairy bitter cress, oxalis, sowthistle—and all their obnoxious habits. Then there’s the up side to weeding. It’s contemplative, it’s a quiet time in the garden—no mowers or trimmers roaring. It’s a time to get up close and personal with the plants you do love, and often the unseen life of the garden, the earthworms, the pill bugs, the stately praying mantis. This is time the true gardener treasures, these intimate moments down among the weeds. It’s not all just smelling the roses, you know!

Mollie Ridout is the Director of Horticulture at the William Paca Garden.

Vol. 3, No. 4 2012 19

The generous width and unusual length of this pillared porch, where one can read for hours, hark back to the 19th and early 20th century porches integral to life on the Eastern Shore. The porch faces southwest to make the most of the view down the creek and also takes advantage of prevailing winds.

A N antucket H ome Infused with Chesapeake Bay History B y K y m b e r l y Ta y l o r | P h o t o s B y D e b o r a h W h i t l a w L l e w e l l y n

This St. Michael’s residence, with its grey and white façade, simple lines, and porch facing the sea, is reminiscent of a Nantucket shingle-style home, minus the wealthy whaling captain. In the early 1800s, Nantucket was known as the whaling capital of the world. During this affluent time, Quakers dominated Nantucket’s politics and the architectural style on the island, now coined Traditional Nantucket, reflected their spiritual aesthetic. While the Quakers enjoyed fine homes, they eschewed ostentation in any form, including dress and social behavior. Interiors and exteriors of houses, usually a wood-framed two-story structure capped with a pitched roof, had uncomplicated floor plans and were protected by raw cedar shingles. Cured by nothing but sun, sand, and salt, they eventually developed what is now a signature silver patina. When the whaling industry crashed in the mid1800s after the invention of the railroad and a devastating fire (fueled by whale oil and lumber), the island became neglected until its economy was rescued by 19th century tourism. Industrial magnates and aristocratic New Englanders, including the DuPonts, Vanderbilts, and Mellons vacationed on its pristine shores. Over the years, right up through the early 20th century,

Vol. 3, No. 4 2012 21

The turret and octagonal cupola recall early 20th century lighthouses on the Chesapeake Bay. The careful proportions of this home’s bay windows have a rationale, says architect Lyman Perry. “A bay window is a room within a room, you can project yourself out. Psychologically, you are able to be visually further into the site.”

off-islanders arrived to build ever-more spacious versions of this architectural icon. Its sturdy grey shingles, once reflecting Quaker religious principles, have been stripped of spiritual content and for the most part suggest a casual, low-key lifestyle, suitable for an island or beach home. Today, architects design many variations of the Nantucket shingle-style home. In fact the untrained eye may have trouble figuring out how one truly differs from another. “How can you tell if it’s one of my houses?” contemplates architect Lyman Perry, renowned for his exquisitely designed Nantucket homes, many owned by the rich and famous on Nantucket and elsewhere. “By the rational way they are laid out. If something is rational, it becomes inviting. I put a little bit of myself into every design I do. Sometimes I design around a metaphor, a house may be like a violin or a community of rooms.” In particular, he says this St. Michaels home was inspired by Eastern Shore landscape, Chesapeake Bay history, and the serenity emanating from the quiet creek. Its turret and octagonal cupola recall nautical history and early twentieth century Chesapeake Bay lighthouses Perry often saw as a child while growing up on the Eastern Shore. Like a lighthouse, this space has precise, rational proportions. It draws you in, invites you to gaze upon land and sea. The cupola, which you can walk around, references the Widow’s Walk, found in many 18th and 19th century homes. Upon this rooftop perch, which offered panoramic views, wives could scan the sea, awaiting a loved one’s return.


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Other subtle details distinguish this home. For instance, the trim is thicker and heavier than usual around the windows, so much so that it casts a shadow line. “It’s the articulation around the window, the slope of the roof, it all adds up,” Perry says. Perry’s design departs in some ways from the classic Nantucket home, which may have views but did not consciously frame a particular view. Drawing on inspiration from Frank Lloyd Wright, he says the homes he builds always begin with the site itself. Occupants must be able to interact, both visually, aurally, and unconsciously, with the surrounding land and water. “I start with the site first. I develop the house so the site can be best experienced.” This home’s porch makes the most of the quiet cove and seems infinite, almost continuing to the water’s edge. Its generous width and unusual length hark back to the 19th century porches integral to life on the Shore. “It extends the home’s inside so you can be outside all day, much like the antebellum porches of the Eastern Shore,” says Perry. “Back then, many porches were round, so you could sit in the shade when you were hot. When you were cold, you sat in the sun.” Many mass-produced homes are not conceived with the natural landscape in mind at all, Perry points out. The ground is destroyed and an artificial landscape created, often complimented by a driveway leading straight to the house. “The houses are plunked in and grass seed sprinkled around. We call this parsley around the pig,” he notes. In contrast, he says he took care when planning this driveway’s location. “This drive curves on purpose, to delay the arrival of the house, so you can focus first on the site,” he says.

The sofa, table, and chairs are configured to create a sense of intimacy within a much larger room.

The Dining Room is hung with giant charts of the Chesapeake Bay.

Vol. 3, No. 4 2012 23

St. Michael's Story


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The pool is simply designed to accentuate the home’s stature and solidity.

Perry teamed with Ilex Construction and Woodworking, which built the house. This endeavor had its challenges, says Ilex CEO Douglas Croker. It was not the cupola that posed a problem, but building the spiral stair to the architect’s exact specifications. “The turret was not a problem, we’ve done a lot of round things; it was the stair that was a bigger challenge. We had to frame the turret stairs in the round to make sure you could feel comfortable walking up and down. The challenge was to keep the curve manageable and comfortable,” Croker says. He notes that his crew had an easier time hand-crafting the kitchen cabinets, the interior wood finishes and trim. Ilex’ specialty is architectural woodworking and they have a division in its Easton office where trained artisans create custom features and cabinetry.


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Vol. 3, No. 4 2012 27

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Lyman Perry Hutkin Architects,


Opposite: Small details like this overhang and work table lend charm and the utility one expects from a coastal home.

Builder and Fine Design Awards

Resources: Ilex Construction and Woodworking,


Above: A copper kitchen island shaped like a classic dinghy echoes the family-run daily fishing commerce on the nearby docks at St. Michaels.

It is an architect’s duty not to just copy the past, but to somehow reinvent it. Croker’s comments and the homeowners’ delight reveal that Perry has succeeded. This residence pays homage to its Nantucket Island heritage while connecting with and honoring the history and architecture of another famous series of islands—the Eastern Shore.


Croker notes that the house differs from many he builds in that there are whimsical touches, such as the copper kitchen island fashioned like a dinghy and giant charts of the Chesapeake Bay hung on dining room walls. Also, he says this home’s interior was somewhat unusual. “It had miscellaneous shapes to lend some interest to the interior spaces and make it informal,” he notes.

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By Mollie Ridout Photography by Geoffrey Hodgdon

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Publisher Kymberly Taylor and her daughters Hawthorne and Isabella Haywood joined the South River Federation in June for a clean-up and planting day in Lothian.

Pictured: Paulette, Nicole & Sean Ciminelli • Matt Ciminelli • Jack Weaver • Ernie Goins • Chris Swartz • Sharon Schroer Jacqueline Guild and her daughter • Francis Smith • Hawthorne and Isabella Haywood • Kymberly Taylor

Troubled Waters

By Kymberly Taylor

“…if you are pointing one finger at the other guy, three fingers are pointing back at you.” – Wye Riverkeeper Tom Leigh The Patuxent River, the Chesapeake Bay and its tributaries, including the Wye, Severn, Magothy, and South Rivers, are among the most beautiful bodies of water in the United States. We are its stewards and, sadly, we are failing. The Bay’s report card this year is again filled with Ds, Es and Fs. Once again,


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2012 report cards for the Severn, Magothy, and Patuxent Rivers are bad, with some worse this year than last. Dr. Sally Hornor, Ph.D., Professor of Biology at Anne Arundel Community College, performs local water analysis for Operation Clearwater. She points out, as does Maryland’s Department of Natural Resources, that high levels of bacteria in our waters continue, causing illness and infections in adults, children and pets. We must keep up pressure on Anne Arundel County and the State of Maryland to do their fair share under a more

aggressive Clean Water Act, passed by Maryland’s 2012 legislative session. We too must get off our duffs. We cannot lay all the blame on sewage treatment plants and agriculture; our individual actions (or inactions) matter hugely. James Brennan, an active leader in the Greater Severna Park Watershed Action Group and a partner at the Middleton Gardiner Group, gets to the point: “You just can’t blame it all on business.” He notes that the residents of Anne Arundel County produce as much waste as four industrial plants. He applauds those who are installing rain gardens and rain barrels, picking up pet waste and using chemical-free fertilizers. However, he says “We must all get involved for any real change to occur.” As Tom Leigh, Wye Riverkeeper, whose cabin is featured in this issue of Annapolis Home, reminds us: “If you are pointing one finger at someone else, three fingers are pointing back at you.”

Use a rain barrel to manage your storm water run-off which is dangerous to the Bay. This rain barrel captures water from house gutters that can be used to water your lawn.

“It’s time to really talk seriously about the environment; we don’t need any more nature walks,” notes Matt Ciminelli of Ciminelli’s Landscape Services. Ciminelli and Sharon Schroer are earning certification as Master Watershed Stewards at Anne Arundel Community College’s Watershed Stewards Academy. For one of their final projects, they organized a volunteer crew to plant a conservation landscape at a neglected park entrance on Sands Road in Lothian. It had become an informal dumping ground. People gathered throughout the day to remove trash, debris, fortify the soil and plant trees, evergreens, and native plants. “You can’t just leave it all to the county, we must police ourselves,” says Ciminelli, whose firm specializes in green landscaping. Brennan points out that you can get involved in your own way, even if it’s small. For example, recently, he and his neighbors had a chemical exchange, with residents trading chemicals instead of purchasing new ones. If you don’t like groups, there is still much you can do. Install a rain barrel and plant a small rain garden to catch your storm runoff. Let go of “lawn envy” and purchase chemicalfree fertilizer and pick up after your pet. Annapolis Home will continue its reports. Send news of your community’s good works with a high-resolution image to kymberly@ We will share your inspiring contributions with our readers.

Resources: Greater Severna Park Watershed Action Group, South River Federation, Magothy River Association, Maryland Department of Natural Resources, Anne Arundel County Watershed Stewards Academy, Kymberly Taylor, Publisher of Annapolis Home Magazine, grew up on the Magothy River and taught for many years at the Annapolis Sailing School. She has a B.A. in journalism from Boston University and an M.F.A. in Creative Writing from Columbia University.

Vol. 3, No. 4 2012 31

By Gay Jervey

Retirement Round-Up By Gay Jervey


ecause the economy remains uncertain, you need to be proactive and review your portfolio with your professional planner even more thoroughly, experts say. Thoughtful planning is necessary to help ensure that your financial reality supports your retirement goals and plans. After all, this country's economic downturn lingers at a particularly inauspicious time, as more and more baby boomers begin to join the ranks of retirees. What’s more, according to November 2011 Los Angeles Times article, the financial freefall of the last several years has left the country 10% poorer, obliterating $6.1 trillion in wealth, a healthy chunk of which was in retirement savings. In fact, nearly 25% of professionals aged 50 to 59 lost more than 35% than of the money that they had set aside for retirement, between 2008 and 2009 alone, according to The Wall Street Examiner. It’s no surprise, then, that many approaching their longanticipated “Golden Years” find themselves facing sleepless nights as they contemplate a future that looks dramatically different than it did, say, five years ago. However, there are some key concrete and proactive steps to take to make an objective


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review of your retirement strategy—always with an eye on the long-term approach. In saying so, experts emphasize that, by and large, braving it alone without seeking sound financial advice is a mistake, particularly during times like these that defy easy answers and set solutions. “All too often, prospective clients come to us with portfolios that are completely ineffective and too risky to comply with their retirement needs,” explains Jim Brennan, director of financial planning at the Middleton Gardiner Group, Severna Park, MD. “Moreover, their portfolio is poorly set up for tax purposes.” “If you are concerned about how ready you really are for retirement, don’t just decide by yourself that you need to work longer or cut back on your retirement dream,” Brennan stresses.

Step One: Focus on Projected Income & Expenses First and foremost, one needs to analyze the durability of all available sources of income—namely your assets, 401Ks,

Finance At Home

should be fine. That is the easy way and is currently causing many newly retired people major headaches as they watch their asset values deteriorate due to poor asset allocation and increasing and/or unexpected costs.”  

Other Considerations: Health Care & Keeping a Pay Check Coming Without a doubt, you will need to make plans for healthcare coverage. It’s no secret that medical problems—both chronic and acute—can, in no time at all, be financially devastating. In addition, no one is immune to the possibility of needing long-term care, the costs of which can deplete a life savings. “The number two thing retirees should examine is what happens if they have a health event,” Steranka emphasizes. “Skilled nursing care is not covered by traditional health insurance and Medicare, and Medicare supplements pay only for a limited time (first 100 days). So a Long Term Care plan may be essential to maintain assets long into retirement.”

savings, Social Security, and pensions and annuities in order to ascertain the very real possibility of outliving one’s money. As Mike Steranka, CEO of Retirement Planning Services, Millersville, MD, cautions, “We are living in an era where you could spend more time in retirement than you actually did working.” “The number one thing retirees should do is ‘map out’ their retirement income, paying particular attention to what happens to that income if one spouse passes away,” he continues. “According to IRS joint life tables, if you are married over age 65, there is over a 53% chance that one [of you] will live to age 91.” Clearly a fundamental issue to address is whether or not your projected income stream will meet not just your needs, but also your aspirations. With that in mind, an effective retirement planning process centers on a personal, in-depth study of your lifestyle, risk tolerance, expenses and goals. “The main focus we take with our clients and prospective clients is to truly know what their cash flow situation is and will be through retirement,” Brennan adds. “It is not sufficient to state that as long as you withdraw 4-5% of your assets from retirement each year, you

At the end of the day, it may turn out that you decide to work longer—either full or part-time in order both to save more and resuscitate any sagging investments. Lisa Kirchenbauer, president of Omega Wealth Management, Arlington, VA, is one of many experts who indicate that this may be a sound solution—both financially and emotionally. “In some instances, it may not be a good idea to go into retirement cold turkey. It can be really wise to keep bringing some earnings in,” Kirchenbauer says. “As financial life planners we are always working to help clients focus on creating the life that they truly want and making the money work around that,” she furthers. At the end of the day, Kirchenbauer suggests, “It’s important to make considered decisions and not to panic. “Take a deep breath, get help and think strategically.” Resources: Retirement Planning Services, Middleton Gardiner Group, Omega Wealth Management,

Gay Jervey is a journalist who has written articles on finance for publications including The New York Times, Money, Inc. and Fortune Small Business.

Vol. 3, No. 4 2012 33

g Fine


s e l b i t r e v n o C t s Fa Porsche 550A Spyder

The model Porsche 550 Spyder was introduced at the 1953 Paris Auto Show. The later 1956 evolution version of the model, the 550A, had a lighter and more rigid space frame chassis and gave Porsche its first overall win in a major sports car racing event, the 1956 Targa Florio. The 550A Spyder pictured here took part in important races such as Le Mans and Nurburgring. There are two large dossiers on the car's history and restoration. This Porsche is available in Europe and through Porsche’s Annapolis dealership. The asking price is $2.8M (negotiable)

Chevrolet Corvette L88 The 1967 L88 is one of the most collectible and valuable cars Chevrolet has ever produced. Only 20 1967 L88s were sold and, of those, only 14 are known to survive. This car, sold by Mecum Auctions in 2010 for $1.3 million, was the first built. It was originally ordered by Peter DeLorenzo, the son of a GM public relations executive. The engine, officially rated at 430 horsepower, could be tuned to produce up to 600.

Hennessey Venom GT Spyder One of only five 2013 models to be made, this Hennessey Venom GT Spyder is the sole convertible of the batch and able to accelerate to 200 mph in 15.9 seconds. Aerosmith legend Steven Tyler owns the car, which the company custom-built upon his request. Cars usually run about $950,000. This convertible cost approximately $1.1 million.


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Vol. 3, No. 4 2012 35

Take Your Seat for the

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Figure 1 Walker Evans Subway Portrait, 1938-1941 gelatin silver print

STREET AND SUBWAY PHOTOGRAPHY AT THE NATIONAL GALLERY OF ART By Virginia K. Adams, Ph.D. If you think that you are unseen in the anonymity of a city street or a subway car, the photographs currently exhibited in “I Spy: Photography and the Theater of the Street, 1938-2010” at the National Gallery of Art will make you think again. From Walker Evans’ diminutive black-and-white “Subway Portraits,” to Beat Streuli’s larger-than-life color video of pedestrians on the streets of New York, these works show artists’ portraits of people who were unaware that they were being photographed.


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From Honoré Daumier’s painting of tired and poor travelers in Third Class Railway Carriage (1860-62), to Robert Frank’s photographs of unidentified business men on the train in 1955, artists have tried to capture the face of humanity by producing pictures of people in unguarded moments. Using a concealed, remotely-operated mechanical device to photograph unsuspecting passers-by, photographers give up a degree of control trying to produce “true” reportage with a random sample of urban pedestrians. But, the myriad choices that photographers make in location, setting, subject, method, and subsequent editing subject to question the neutrality of this documentary tradition. The artists in “I Spy” have made remarkable efforts to photograph their prey surreptitiously. Walker Evans regarded the posed portrait as inherently theatrical and therefore “false,”1 so for his “Subway Portraits” (1938-1941) he concealed a small, pre-focused 35-millimeter camera under his overcoat and strung the shutter release cord through his sleeve to his hand. Finding an interesting face sitting on the opposite side of the subway car, he snapped the picture without knowing exactly what the camera lens would capture as it peeked out between his coat buttons. In figure 1, the amazing hat, big fur collar and tilt of the head coalesce into the portrait of an indomitable woman lost in her own thoughts. Evans took his “Bridgeport, Connecticut” photographs (1941) by stationing himself on the sidewalk near an intersection and snapping pictures as pedestrians turned the corner, unaware that they were confronting a camera. Harry Callahan’s “Chicago” photographs (1950) also were taken on the street with a camera pre-focused to a distance of four feet, so that as women moved into range they became unwitting close-up subjects. In figure 2, the anonymous face that more than fills the frame is an intimate portrait of a young woman with movie star lips, but a worried countenance. Her hurried motion along the street blurs the picture as if the viewer were passing by in the opposite direction. The drama of the exhibition builds with Bruce Davidson’s “Subway” series (1980-1981; 1985). Color film, since the 1970s considered acceptable for art photography, combines here with a larger scale to make Davidson’s portrayal of the gritty, dark and graffiti-filled New York subway system vividly horrific. The artist has said, “I took their pictures often with the graffiti growing out of their heads like the snakes writhing in the hair of the Greek goddess Medusa, or like brain waves revealing their inner thoughts.”2 Davidson depicts masses of

Figure 2 Harry Callahan Chicago, 1950 gelatin silver print

Vol. 3, No. 4 2012 39

Figure 3 Bruce Davidson Subway, 1980-1981 dye imbibition print

Figure 4 Philip-Lorca diCorcia Head #23, 2001 chromogenic print


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humanity squeezed so tightly into cars that in figure 3, for example, it is impossible to determine which arms belong to whom and whether two people are traveling together or are strangers accidentally thrown into an embrace. The use of dye imbibition film produces saturated colors that are intensified by flashes from a strobe light. In contrast to the other artists in the exhibition, Davidson often asked permission of his subjects to take their pitures. The scale and drama increase with Philip-Lorca DiCorcia’s “Heads” (2001). DiCorcia created elaborate set-ups in Times Square, with a pre-focused camera mounted in place using a telephoto lens, fast-speed film and synchronized electronic flash. As people walked onto the pre-set mark on the sidewalk, the photographer activated the shutter while sitting out of sight and watching the parade. From a vast body of work that includes thousands of photographs of heads and faces, DiCorcia selected only 17 images for this series. The detail visible in the nearlylife-size Head #23 (figure 4) is startling. The personal attributes of this young woman—from her moles to her shiny hair to the braided strap on her shoulder bag to her introspective expression—produce the uncomfortable feeling of invading her privacy. The exhibition reaches a crescendo with Swiss artist Beat Streuli’s 32-minute video finale Manhattan 09-09 (2010)

(figure 5) that provides the simulated experience of being on the street in any modern city. Streams of pedestrians flow hypnotically toward and away from the viewer, pressing through tight spaces or walking around a bus, accompanied by intermittent city sounds. The telephoto lens brings the subjects so close, that viewers are turned into voyeurs who can see minute details of faces and clothing. Yet, the people are so absorbed in talking on cell phones, juggling packages, and negotiating obstacles of the city streets, that they don’t see us seeing them. Streuli’s photography in cities around the world focuses on the unspectacular, incessant flow of urban humanity, while showing in bold relief the faces of individuals.

Figure 5 Beat Streuli Still from Manhattan 09-09, 2010 HD video with sound (32 minutes)

Today, we knowingly subject ourselves to surveillance by traffic cameras, crime cameras and cell phone cameras. “I Spy” suggests that there may be an artist with a concealed camera added to this mix. Perhaps, however, given the proliferation of photographs selfpublished online and other personal information floating in the “cloud,” any expectation of privacy in the public realm seems passé.

“I Spy: Photography and the Theater of the Street, 1938-2010” will be exhibited in the West Building of the National Gallery of Art through August 5, 2012. Virginia K. Adams, Ph.D. is an art historian specializing in modern and contemporary art history. She has taught art history at the University of Maryland, College Park and Maryland Institute College of Art. Mia Fineman, "Notes from Underground: The Subway Portraits," in Walker Evans (New York: Metropolitan Museum of Art and Princeton: Princeton University Press, 2000), 108.



Bruce Davidson, "1980 New York Subway," in Bruce Davidson: Outside Inside, 1966-2009 (Gottingen, Germany: Steidl, 2009), 3: 355.

Vol. 3, No. 4 2012 41

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Jay Schwarz is a principal architect at Alt, Breeding, Schwarz Architects in Annapolis.

the Kitchen

WITH JAY SCHWARZ | SUMMER BRUSCHETTA Story and Photography by Christine Fillat Summer breezes gently lift leaves on the trees, sun splashes upon the patio and umbrella, a scent of suntan lotion wafts past your nose and suddenly you’re hungry. Your larder is well-stocked with oils and vinegars and wine; the tomatoes are ripe upon the vine. ‘Tis the season for bruschetta. Follow Jay Schwarz’s lead and create a blend he has been perfecting over the seasons. Look for the ripest tomatoes you can find, toast some fabulous crusty bread, and enjoy your bruschetta while lazing happily in the summer sun. BRUSCHETTA: Ingredients (quantities are approximate):

1. Combine all chopped/sliced/diced ingredients.

Kalamata olives - pitted and chopped 1/3c. Green peppercorns in brine (or capers) - drain 1-1/2 tsp.

Sun-dried tomatoes - julienne and reconstitute in red wine 1/4c. Pine nuts - lightly toasted (dry or in butter) 1/4c. Ripe tomatoes - chopped/diced (medium) 2c. Sweet red peppers - chopped/diced (medium/small) 1/2c. Sweet onion (vidalia/spanish) - chopped/diced (medium/ small) 1/2c. Jalepeno pepper - finely diced/minced 1/2 pepper (to taste). Garlic cloves - thinly sliced 3 cloves.


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2. Add liquids; mix gently.

Red wine vinegar or apple cider vinegar 1/4c. Balsamic vinegar 1/3c. Fresh lime juice 1/2 lime. Extra virgin olive oil 1/3c.

3. Add seasonings; mix gently.

Sea salt and fresh pepper (to taste).

Rosemary or herbs de Provence 1-1/2 tsp. Honey 1-1/2 tsp (to taste).

4. Taste. Should be savory but with a slight edge of sweetness. Allow mixture to macerate while bread is toasted. Mix and taste again - add more salt if necessary. 5. Toast and season bread.

Bread: Chewy Ciabatta - 1/2in slices (2-3 per person) toast/ lightly brown. Garlic cloves - as needed, rub on one side of toast. Extra virgin olive oil drizzle on toast.

Sea salt sprinkle on toast. Spoon mixture over toast and serve immediately. Christine Fillat lives on the Magothy River and is an aficionado of Chesapeake Bay cooking and living. If you have a favorite receipe to share with Annapolis Home readers, contact Christine Fillat at

Vol. 3, No. 4 2012 45

Industry News

Movers & Shakers

State Farm agent Kirk Lynn, CLU, LUTCF, recently earned certification as a Long Term Care Professional (LTCP). The LTCP designation represents the culmination of efforts by a leading non-profit insurance industry organization to create a comprehensive course of study focused on long term care—an increasing need for an aging population. The LTCP program aims to prepare students to evaluate long-term needs and offer appropriate solutions to meet those needs. Happy Anniversary to Rob Chodos of Driveway Impressions. Driveway Impressions celebrates its sixth year in business and the paving of its 200th driveway—quite an accomplishment! In Home Stone has won two reader’s choice awards: the “2012 What’s Up Annapolis Award for Best Marble, Stone & Tile” and the Capital’s “2012 Reader’s Choice Award for Best Stone & Tile.”

Local kitchen and bath designer, Mark T. White, CKD, CBD from Kitchen Encounters in Annapolis gave a presentation to industry professionals on how to update a kitchen without having to do a whole makeover. The presentation was hosted by Kitchen and Bath Design News and is available online. Congratulations to Margaret Blunt, owner of Sew Beautiful, which is celebrating its tenth anniversary designing and fabricating custom window treatments and other soft furnishings for homeowners. Robert Haywood, Co-Publisher of Annapolis Home Magazine, has been appointed to the Board of Directors of the Arts Council of Anne Arundel. If you have industry news you would like consider for inclusion in Annapolis Home, please send your information to

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Designing Solutions, p. 37 Fitzsimmons Design, p. 47 Maryland Paint and Decorating, p. 42

Kitchen and Bath Design Specialists Annapolis Kitchen and Bath, p. 5

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Retirement Planning

Grassroots Landscaping, p. 17 Driveway Impressions, p. 4 McHale, Inside Front Cover

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Health and Beauty

Maryland Curbscape, 29

Margo at Alexander’s of Annapolis Salon & Spa, p. 37

Quayle and Company Design/Build, p. 28

Peepers of Severna Park, p. 41

Marine Construction Bay Pile-Driving, p. 3

Vol. 3, No. 4 2012 47

Picking Peaches If you can't grow your own fruits, you can go to an orchard and pick your own! Baughers Orchard and Farm Market in Westminster, MD, is a short drive from Annapolis. In July and August, peaches and sweet plums are ripe and ready to be picked. Before making the trip, call their hotline to check on availability: 410-857-0111


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Annapolis Home Magazine July 2012  
Annapolis Home Magazine July 2012  

July 2012 Issue of Annapolis Home Magazine