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Our experience can make a difference in your breast health. Our team of providers at MedStar Women’s Specialty Center offers personalized, comprehensive, and compassionate care for those facing breast disease and breast cancer. Kelly Fritz, MD, FACS Board-certified surgeon with extensive experience in breast surgery including biopsy and mastectomy

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St. Mary’s Edition This issue, we recognize forces for good in our community like Cedar Point Federal Credit Union, a local bank celebrating 75 years in Southern Maryland and 13 amazing women whose decades of loyalty make Cedar Point what it is today. Learn about their history supporting military families and the crucial roles women have consistently played in their organization. Flip to page 15.




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NAL PTIO EXCE WOMEN blication& g unity Pu Comm ing, Educatin Inspir Maryland Proudly ing Southern ce 2007 Connect Women Sin

Publishers A Community Publication Proudly Oda Solms-Baruth Inspiring, Educating & Connecting Southern Melissa Solms-Baruth

Maryland Women Since 2007. Copy Editor R.Publisher Caren Bitar Oda Solms Editorial Assistant Feature Writer Rachel Lytle

Jennifer Reginald Writer

Graphic Design Crystal Brandt Dave Schindler | Graphic Dana Design Foody Dave Schindler Lauren Milani Photography Dana Foody

Irving Harris, Irving Harris Photography Photography Beth Graeme,

SOUTHERN MARYLAND WOMAN, LLC Sales & Marketing P.O. Megan Box 1656 • Leonardtown, MD 20650 Vereb, (301) 904-3366 • Fax: (301) 475-2680 Distribution Christian Solms

Southern Maryland Woman Carlisa Kent Sometimes, it takes a woman on a is published bimonthly and is available free of charge, by subscription, display stands in approved primission to make change become The Woman’s Journal newspaperEvery issue produced in loving memory of Melissa Solms-Baruth vate and public establishments and authorized distributors only. Trademark laws and U.S. copyright laws protect The Women’s Journal. reality. Lately, women in SouthernNo part of this paper may be reproduced without the written permission of the publisher. The Women’s Journal is not responsible for any submitted as camera ready or any reproductions of typographicalMARYLAND errors from advertisements WOMAN MAGAZINE Maryland are playing a pivotal editorial comment (other than its own), SOUTHERN advertisements submitted as camera ready. If an advertisement does not meet our standards of acceptance, we may revise or cancel it POacknowledged Box 1656,Leonardtown, MD 20650 role in prioritizing environmentalat any time, whether or not it has been already and/or previously published. The advertiser assumes sole responsibility for all statements contained in submitted copy and will protect and indemnify The Women’s Journal, its owners, publishers, and employissues affecting our region and ees, against any and all liability, loss or expense arising out301.904.3366 of claims for libel, unfair trade names, patents, copyrights and proprietary other violations resulting from the publication by this newspaper for its advertising beyond. From growing our local rights, and all violations of the right of privacy copy. Publisher shall be under no liability failure, for any reason, to insert an advertisement. Publisher shall not be liable by any chapter of the Sierra Club to reason of error, omission and/or failure to insert any part of an advertisement. Publisher will not be liable for delay or failure in perforor distribution if all or any portion of an issue is delayed or suspended for any reason. The publisher will exercise impacting local legislation, read mance in publication Woman magazine is published bimonthly and is available free of charge, by mail, display stands in approved private and public reasonable judgement in these instances and will make adjustments for the advertiser where and when appropriate. The Women’s Trademark laws and U.S. copyright laws protect Woman magazine. No part of this paper may be reproduced without on about leader Rosa Hance as Journal assumesestablishments. no responsibility for unsolicited material or reproductions made by advertisers. This newspaper will be published theevery writtenother permission of the publisher. This publication is published by the 15th daycopyright of every other month. TM Publication of advertising Publication of advertising contained by the 5th day of month. Representations by The Women’s Journal, 2011. she works to build a movement here contained hereconstitute does not necessarily constitute endorsement. does not necessarily endorsement. Photos and artwork from, and to explore, enjoy and protect the environment. Turn to page 24. PROUD MEMBER OF

Page 7: Why is Breathing SO Important During Anxiety Attacks? Page 11: How Finding the Right Sport Makes All the Difference Page 22: Attend the Ninth Annual Chesapeake Writers’ Conference Page 31: Protecting Your Child’s Inheritance

M a rc h / A p r i l 2 0 2 0 |

ON THE Tell your story! COVER

Are you a local writer or leader interested in being featured? St. Mary’s/Calvert Edition

Send your stories, pitches and ideas to Southern Maryland Roller Derby Girls

Pictured (L-R) Jacki Taylor - Beelzebruise, Tammy DePhillip - Buffy Shovers, Christina Simpson - Princess Sleia, Rachel Harris - Rach Against the Machine, and Letitia Clem-McClanahan - Rhapsody N. Bruise. Page 18

health&wellness By Deborah Duley, MSW, LMSW

Why is Breathing SO Important During Anxiety Attacks? I know, I know, YAWN. I’m sure you’ve heard a million times over that you should just “breathe” when anxiety gets to be too much. Well ladies and ladies, there’s a scientific reason why taking deep breaths can work wonders on calming down any anxiety you’re feeling. First, a little background on the ole brain during an anxiety attack. Our brain’s first and most important job is to Keep. Us. Safe. This means any time our brains think we’re under attack (even if it’s just an emotional attack), it



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immediately sends chemicals and warning signs all over our body in preparation for said attack. This response happens within a couple of seconds – physiologically, it can be interpreted as the “flight or fight” scenario you’ve also heard about a million times. During this reaction, the heart beats faster, our breath shortens in anticipation of needing to reserve resources (for the possible upcoming fight), and we may feel cramps in our arms and legs, in addition to chest pains, as the body is speeding up to get the hell out of dodge. Labored, stressed breathing in this moment means the brain isn’t

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getting all the oxygen it needs, so our brain is also panicking (seems counterintuitive, right?). Our body’s response is purposeful, but in this instance it’s overkill, as we’re not fighting off a saber tooth tiger. This is where breathing comes in. Taking some deep breaths during this stress attack sends a message to your brain to CALM THE HECK DOWN.

Try the 10/10/10 method: breathe deeply for 10 seconds through your nose, releasing for 10 seconds through your mouth, and repeat 10 times. Deep breathing of this sort transmits receptors to your body that say, “OK, it’s going to be fine, get a grip.” The receptors then slow your heart rate and help the chemicals dissipate so you can return to your normally scheduled program of living.

So, taking 10-20 deep breaths when you’re losing your stuff really can be beneficial and calming. Next time you’re freaking out, try it and see how much better you feel in a short amount of time! Remember, breathing is a skill to keep in your toolbox that you can do anywhere, anytime.

Empowered Connections was founded in 2013 by Deborah Duley, MSW, LMSW, with a rebellious spirit and a big dream of connecting women and girls everywhere through specialized mental health therapy. We believe in connection, in the strength of women, that family (whatever that looks like for you) is our priority, in offering excellent customer service and that having the freedom to live the life we love, is paramount to everything else. We strongly believe that women need connection to heal and that where you have been, so have we. Where your story is our story! We believe that women are the future and that we have the power to change the world! We believe in the ripple effect of this change and are striving every day to help women and girls discover and empower their inner badass! Check us out at or call us at 301-690-0779 ext. 700.

March/Apri l 2020 |


Big Changes

are Happening Here.

New, Temporary Hospital Entrance and Parking Update

MedStar Southern Maryland Hospital Center recently opened a new, temporary front entrance for patients and visitors to access the emergency department (ED) and main hospital. Patients and visitors may remember this entrance as the former cardiopulmonary rehabilitation entrance. Once inside, directional signage makes it easy for patients and visitors to find where they need to go. At some points during the renovation process, the hospital’s visitor lot may fill up. Designated overflow parking will be available at the Colony South Hotel. Why is the hospital renovating? When the renovation is complete, MedStar Southern Maryland Hospital Center will have a state-of-the-art ED that will meet the needs of Prince George’s County and Southern Maryland residents. Here are some of the things you can look forward to: • • • • • • •

Our hospital has started an exciting expansion and renovation project—the largest in our more-than-40year history. When it is complete, MedStar Southern Maryland Hospital Center will have a state-of-the-art emergency department to provide our community with the best care, as well as a beautiful, new front entrance.

A total of 40 ED treatment rooms—almost 50 percent more than before 18,000 more square feet of space in the ED, for a total of 70,000 square feet Designated space for behavioral health patients A better waiting room Easier access for EMS personnel A separate area for patients who may have been exposed to pathogens A new front entrance with a 24-hour café for patients and visitors

We’re committed to providing excellent care to our community throughout this renovation process. Thank you for your patience and understanding during this time of transformation.

Stay Up to Date! We look forward to sharing the renovation’s progress with you! For more information and updates, follow us on social media, or visit

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Kelly Sutter, RN, CANS, is the founder and owner of Skin Wellness MD with offices located in Annapolis and Lusby, Maryland. Kelly is a member of the American Society of Lasers in Surgery and Medicine as well as the International Society of Plastic and Aesthetic Nurses (ISPAN). She is proud to be a part of the Allergan Medical Faculty and an AMI instructor. Maureen Mussomele, RN, CANS, is a certified Aesthetic Nurse Specialist and a master Coolsculpting Specialist. She also holds a certification in Laser Physics and is a master injector. Maureen is a member of the American Society of Lasers in Surgery and Medicine and the International Society of Plastic and Aesthetic Nurses (ISPAN).

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health&wellness By Kyle Webber

A Fish on a Bike: How Finding the Right Sport Makes All the Difference Albert Einstein once said, “If a fish was judged on his ability to ride a bike, he would be considered a failure.” As parents, we encourage our children to participate in sports with the understanding that being a participant offers positive emotional and physical benefits. Most parents I’ve met have a sport they’d prefer their child to play. However, to fully realize the benefits of sports, it is important to find the right sport for the child – a sport that suits their interests and abilities. Not all children enjoy organized team sports. Peer pressure has the potential to make approaching a sport difficult for some children. As kids, my

brother and I were introduced to a variety of organized sports by our parents including little league baseball, soccer, basketball, etc. I can vividly recall being terrified of the ball while playing baseball and being totally clueless while playing soccer. I didn’t experience

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success in sports until I discovered Taekwondo in middle school. As for my brother, Sean, he flourished when he discovered the crosscountry team in high school. When describing what appealed to Sean about running, he said, “it was the first sport I tried that didn’t involve someone throwing something at me or mostly sitting on a bench, watching the ‘better’ players on the field.” In cross-country, he discovered a natural talent he possessed was great endurance, and that led to a confidence in his abilities, which has served him well throughout his military career. With Taekwondo, I quickly embraced the challenge of striving for personal excellence. The use of belt rank gave me a sense of accomplishment and direction. I enjoyed the challenge of breaking boards with my hands and feet. Sparring taught me that I can overcome my fears and stand my ground in the face of confrontation. The incredible support and encouragement I received from the instructors taught me lessons about comradery that I’d never known. Many people study Taekwondo because they appreciate the holistic approach of martial arts. In addition to the physical benefits of exercise, the principles of Taekwondo teach us to have a strong mind and a positive attitude toward any task. If a student is dedicated and determined, they can strive to reach the heights of this official Olympic sport. Taekwondo is a discipline for everyone. Students can begin at nearly any age. Often times, the parents of my students will begin studying Taekwondo once they see how much fun it can be. The enthusiasm for Taekwondo is contagious! If other sports have left you feeling a bit like a fish on a bicycle,

let me encourage you to consider Taekwondo. At Black Belt Academy, we believe every individual has the ability to excel if given the right environment. Our mission is to provide students of all ages with the highest level of martial arts instruction combined with an emphasis on the values of traditional martial arts.

Master Kyle Webber began martial arts training under Master Kyu Shim in 1999 after a bullying experience in middle school. He developed an affinity for the Olympic sport of Taekwondo and achieved his first-degree black belt within three years. By 2005, Kyle had progressed to owning Black Belt Academy of Prince Frederick and achieved the rank of Master Instructor (4th degree Black Belt) in 2010. Kyle graduated from Great Mills High School in 2004 and obtained a degree in General Studies from CSM. He now lives happily in Lusby with his wife and 5 children.

March/Apri l 2020 | SMW QTR PG - Mar_Apr2020.indd 1

2/11/2020 3:18:32 PM








Spring Hill Suites by Marriott Free for members, $10 for non-members.







Hosted by Shoppe for Hospice 92 Central Square, Prince Frederick Free to attend, but please register for seating purposes.







Hilton Garden Inn Solomons

Georgette B. Gaskin Bronze Leader


Cost: $37 per person Please join us for this informative breakfast where our Calvert County state senators and delegates will discuss and answer attendee questions pertaining to bills and the budget passed during the 2020 legislative session. Please register; no walk-ins can be accommodated. To register for Chamber events or for more information, visit

March Client Special Details

Here comes the sun! Celebrate Easter and all spring occasions with this delicious, citrus-kissed pound cake topped with a sweet, lemony glaze. In March, get it for $6.99 (30% off) with your $50 purchase.


health&wellness By Karl Smith, DDS, MS

Partials, Dentures and Dental Implant Solutions for Mature Women Replacement teeth can sometimes be the best option for patients who are missing some or all of their natural teeth. They allow us to eat and chew food properly in the absence of natural teeth. How well our teeth fit together and chew determines how many vitamins we get from the foods we eat. It also impacts how well we are able to nourish our bodies to live stronger, longer and healthier lives. What happens when my teeth don’t fit well? Impact on the bone by continuous wear and “hitting” of a denture or partials against the

jaw every time you eat can make the bone underneath the denture shrink away. This causes the replacement teeth to become loose and slip. It may create the need for using a sticky paste or other means to hold the teeth in place. Slipping teeth can make eating certain foods very difficult. How can dental implants help Dental Implants can be placed under your replacement teeth. Implants have offered the possibility of fully replacing teeth for more than 50 years and are very safe, and very effective. When you make a denture or partial stable by “snapping” it onto dental implants,

your periodontist can help to provide a better level of comfort for you. It can create a new strength for eating the foods you love. In fact, dental implants are very much like your natural teeth. They are quite easy to get used to, and they can reduce the amount of stress to the bone and jaw by helping provide an anchor for support. The implant acts as a natural root to help prevent additional bone deterioration and help to deliver long lasting function. Does everyone qualify? This depends on the amount of bone loss that has already taken place. If the denture has been in place for many years and the ridge of bone under it is very thin, you may need to have a special scan done to decide if you are a candidate for the procedure. This scan will also look for any other defects that may be present to make sure you are healthy. A 3D scan is the highest level of care a periodontist can perform for you. How long does a patient have to go without teeth? Never! In many cases, the denture is fitted to the implants the same day as the implants are placed. If the implants cannot be connected the same day, you will still have your replacement teeth, allowing you to smile. This is highly dependent on the amount of bone present and your unique situation. Do dental implants hurt? Most patients have little to no discomfort. The surgery is done in one day, typically in about two hours. There are sedation options available for this procedure for those patients who want to relax through the procedure. Is treatment expensive? The short answer is, yes. Implant treatment, if done well,

is by far the least expensive replacement option. The cost of treatment varies depending on the number of implants, if a new denture needs to be made, if the patient desires sedation, or if there needs to be more bone added to have a good result. Costs are variable and should be weighed against factors such as the education of the doctor, the results from other patient experiences, and the quality of the product you are receiving. There are many types of implants and many treatments. It is best to discuss your personal situation with a highly trained implant periodontist. Make an appointment with a periodontist today to discover the difference dental implants can make for you! Call us at 301-638-4867 or 703-894-4867. We are always happy to provide a no-charge phone consultation about your unique needs.

Dr. Karl Smith has been in dental practice for more than 34 years. He received his Doctor of Dental Surgery degree from the University of California, Los Angeles in 1981 and immediately entered General Practice in the US Air Force Dental Corps. He successfully completed three years of advanced education in the specialty of Periodontics with additional training in IV Sedation and Dental Implants in 1992, at the University of Texas Health Science Center, San Antonio and Wilford Hall USAF Medical Center. He won the John Pritchard Prize for outstanding research which included looking for a vaccine against bacteria that cause periodontal disease. Year after year, Dr. Smith has been consistently voted Top Dentist by Washingtonian Magazine, Northern Virginia Magazine, and Virginia Living.

March/Apri l 2020 |



Leonardtown Photographer Beth Graeme Joins Prestigious Certified Professional Photographer Group Beth Graeme, CPP of Beth Graeme Photography in Leonardtown, Maryland earned the Certified Professional Photographer (CPP) designation from Professional Photographers of America (PPA). Beth earned this designation after completing an intensive program that measures her artistic and technical competence. PPA currently recognizes fewer than 2,500 CPPs. “I desired and sought certification because of the challenge it presented in and of itself, and because I truly wanted to be better at my craft and be held to a higher standard,” she said. “Just as doctors and other professionals seek certification in their industries, I wanted to show the public my qualifications to be the best photographer possible for them.” Professional Photographers of America is the leading body for certifying imaging professionals. CPPs must complete a written examination, finish an image evaluation and adhere

to a strict code of conduct. Certification must be renewed on a periodic basis, ensuring continued confidence in the professionalism of CPPs. For more information on the certification, visit Learn about Beth’s work at and schedule your consultation today! Looking to get your own designation? Beth is also a verified CPP liaison. For more information on how to become a CPP, contact her at hello@



We are pleased to introduce The Players Club membership program to provide our golfers with the following benefits: • Practice at any time, 7-days per week with unlimited range balls. • Complimentary green fees after 4:00 pm daily, 7-days per week. Just pay trail fee of $14; Walk or Ride • Special member discounts on pro shop merchandise • Pay only 10 months for a full year membership, with monthly billing. No fees due in January & February • First 200 members to sign up get introductory pricing of just $40.00 per month. Easy opt out with one month’s notice.

BRETON BAY GOLF & CC 21935 Society Hill Rd, Leonardtown, MD 20650 301-475-2300 |


M a rc h / A p r i l 2 0 2 0 |

Photo by Beth Graeme Photography

“Empacting Lives Makes A Difference” -Shelter Outreach Program -Mission & Ministry Outreach Program -Job Skills Program -Operation Let’s Eat (meals and non-perishable food bank) -Shop The Closet (clothing outreach)

Empact Ministries Inc 2414 Pinefeld Rd Waldorf, Md 20601 240-441-5985 301-266-6171

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edar Point Federal Credit Union has a long history in the Southern Maryland Community – 75 years, to be exact. These days, Cedar Point spends most of its time looking toward the future. But the credit union also believes in reflecting on and learning from its storied past. Originally formed in 1945, Cedar Point Federal Credit Union served local Navy sailors and civil servants who had bravely worked to protect American shores during World War II and beyond. In 1959, the credit union had three employees, and by 1971 created its first management role. In 1973, the first assistant manager position was established, and Betty Koehl became the first woman promoted to a management level. While many businesses locally and nationally struggle with the lack of women in leadership roles, Cedar Point’s long history has always risen to meet that challenge. Women have always played crucial roles at the credit union, back to the founders, of whom at least one was a woman. Today the credit union celebrates women in five of its nine executive leadership roles. Of the most recent three Chief Executive Officers of the credit union, two have been women. Not surprisingly, Betty Koehl went on to become the first female CEO, succeeded by Barbara Horn in 1994.



In 2020, Cedar Point is proud to recognize the dedicated service of thirteen employees celebrating 25 years or more of working for the credit union. Even more remarkable is that all of them are women. Please join the credit union in celebrating the achievements of the following women:









Mary Simmons, Branch Manager: Leonardtown

Marie Butler, Member Service Representative

Sherrie Horn, Branch Manager: Headquarters

Wendy Holt Carroll, Card Services Representative

In Marie’s 33 years with the credit union, she has enjoyed meeting all the interesting people who have come in. Yes, that even includes the clown who surprised her on her birthday one year. She has worked in several different branches throughout her time at the credit union. The youngest of eleven children, Marie spends a lot of time with her family in the area. She loves it when the whole family can all get together and enjoy each other’s company. Outside of work, Marie likes to work in the yard, listen to music and watch old movies with her son.

Raised in St. Mary’s County, Sherrie started working at the credit union’s branch at Patuxent River Naval Air Station. Sherrie truly enjoyed her time as branch manager there before moving to the headquarters branch in Lexington Park. Her favorite memories at the credit union involve working with members. In fact, Sherrie credits Cedar Point members with being the reason that she’s worked at the credit union for more than 25 years. She’s enjoyed working with her fellow co-workers, past and present, caring for each other, and having fun.

Wendy’s dedication to Cedar Point’s members has inspired her to thrive within the credit union. She enjoys helping members overcome any financial challenges they may face. Wendy has fond memories of opening a child’s first savings account, giving members their first Mastercard, and helping them explore car loans. She also remembers the credit union’s first CEO, Betty Koehl, with fondness. A long-time resident of St. Mary’s County for more than 50 years, she gives back to the community by donating blood regularly and participating in Feed the Hungry fundraisers. Wendy’s biggest joys come from spending time with her sons, long rides with her husband in her old Chevy pickup, rainy days, and hot summer days in Southern Maryland.


Mary’s long tenure at the credit union has given her an appreciation for all the circumstances life might throw someone’s way. She gets great satisfaction out of helping members achieve financial stability and reach their goals. Mary enjoys working alongside the credit union’s hard-working employees. Growing up with five brothers and three sisters, Mary has always had lots of love and support from her big family. She has been happily married for 28 years and is extremely proud of her two sons and her entire extended family. She enjoys growing vegetables and flowers in her home garden, canning some of what she grows, and baking desserts. Mary is active in her church, and currently acts as secretary for the Leonardtown Rotary.





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Laurel Ward, Vice President of Compliance

Thanh Nguyen, Teller

Katy White, Vice President of Human Resources

Colleen Blundell, Vice President of Business & Investment Services


In her daily work, Laurel oversees keeping the credit union in compliance with banking regulations. She enjoys working for a credit union that offers lower fees and better rates than other financial institutions and provides excellent service. Laurel laughs at the memory of when the credit union first got computers and remembers with fondness wearing the “Moola Moola” costume for the credit union’s first youth program. Originally from Maine, Laurel spent time traveling with her family before settling in St. Mary’s County. She has two daughters and two grandsons, of whom she is very proud. In her spare time, Laurel volunteers with the Girl Scouts and with the F.L.O.W. mentoring program through St. Mary’s County Public Schools.


Thanh absolutely loves working at Cedar Point. She has been positioned at several different branches throughout her 27 years with the credit union, and currently works at the Headquarters branch in Lexington Park. Her favorite memories come from her time at the credit union’s earliest two branches and revolve around the many experiences talking with members and interacting with coworkers. Outside of work, Thanh finds joy in family. She spends time taking her children to the park and the library and whatever local events pop up. Thanh appreciates all the friendship and support she’s had from family, friends and coworkers over the years, and wants her coworkers to know how much she cares about them.



Originally from Utah, Katy grew up on a cattle ranch with her family. She finds her job very rewarding, emphasizing the supportive environment. As the person in charge of hiring, she enjoys knowing that new employees will be valued members of the credit union team and really enjoy what they do each day. She is thrilled to be incorporating training and education into the credit union culture. Katy is proud of her two daughters and 15-year-old granddaughter, all of whom are strong, independent women. Katy’s favorite hobby is knitting, which she finds relaxing. She and her dog Bailey are long-time members of the Calvert K9 Search and Rescue team. Bailey has since retired, but Katy continues to be actively involved in her role at base operations.

Linda Ann Knott, Executive Vice President




In Linda’s time with the credit union, the St. Mary’s County Sheriff’s Department recognized her for assistance with an investigation. In 2006, Linda was admitted to the Quarter Century Honor Roll with the National Association of Federal Credit Unions. Her selfless contributions to the credit union movement helped make it a lasting American institution. Linda enjoys working with employees who make the credit union successful with hard work and positive interactions. Linda and her husband Bruce have recently celebrated 41 years of marriage. With three children and five grandchildren, Linda spends lots of time outside of work with family. She enjoys family cookouts, boating and spending time at local community events.

Colleen finds her role in the credit union very rewarding. Helping members understand their financial goals and making an action plan to reach them is one of Colleen’s favorite parts of the job. Colleen has been married to her biggest champion and supporter for 36 years. She and her husband have two children and have welcomed their spouses into the family, along with a granddaughter, of whom Colleen is very fond. When she finds a spare moment, Colleen enjoys biking, boating and spending time outdoors. She is a board member for the Business, Education & Community Alliance as well as the Academy of Finance and finds joy in attending church on Sundays.


March/Apri l 2020 |











Vicky Wise, Assistant Branch Manager: Leonardtown

Denette Slade, Member Service Representative

Tina McKay, Financial Analyst

Originally from Arkansas, Denette grew up in Hughesville with her family. Denette’s 25 years at the credit union hold many great memories for her. She really enjoys working with members, getting to know them, and helping them achieve their financial goals. Denette’s favorite credit union experiences have been paddling as a team in the Solomons Dragon Boat Festival for the last three years and being the drummer for two of them. Denette enjoys spending time with her husband, two sons, daughter-in-law and three-year-old granddaughter. In her spare time, Denette and her husband spend time fishing on the many waterways in Southern Maryland. The family also enjoys visiting museums and local community events.

Tina has enjoyed the last 25 years working at Cedar Point because she feels a sense of community among the credit union family. That sense of community has always been special to her, whether it involves celebrating someone’s milestones and achievements or wishing them well on their next assignment. The friendships she’s made throughout all levels of the credit union are ones she’ll always cherish. Tina has been happily married for 21 years and has three sons who are 19, 17 and 7 years old. She enjoys watching her boys participate in their various sports programs as well as scrapbooking and painting in her art journal. Tina and her family are proud members of the American Legion, Post 255 in Ridge, Maryland.

Laurie Langford, EFT Funds Management Accountant


For Vicky, every day at Cedar Point is a new memory to take home. She has enjoyed watching members grow from youth to marriage to first loans and beyond. She finds joy in seeing members share the Cedar Point legacy with their families. Vicky has fondly watched the credit union grow alongside those members into what it is today. Prior to working at Cedar Point, Vicky worked for several other banks, bringing more than 40 total years of industry experience. Vicky enjoys spending time with her family and making her house feel like a home. In her spare time, Vicky enjoys gardening and visiting local restaurants to try new options.




Originally from Woodbridge, Connecticut Laurie will celebrate her 25th year of working for Cedar Point this September. She enjoys the camaraderie of her fellow coworkers both in her department and throughout the credit union. Laurie believes that Cedar Point supports its employees and feels like she’s in good hands at the credit union. Laurie really enjoys the work she does every day for the Accounting Department at Cedar Point. Outside of work, Laurie spends time crafting, making quilts and working on other sewing projects. Lasting pieces of Laurie’s creativity can be seen throughout the credit union’s administrative offices, from decorations to upholstery.

Visit Cedar Point Federal Credit Union at any of their 5 locations throughout Southern Maryland:


Locations 18

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Lexington Park Headquarters 22745 Maple Road

Charlotte Hall Office 30330 Three Notch Road

Lexington Park Office 21748 Three Notch Road

Prince Frederick Office 90 Auto Drive

Leonardtown Office 40885 Merchants Lane, Unit 19

c Thank You c to all the brides and grooms who attended the 2020 Calvert Bridal Expo! It was a fabulous day and we are grateful for all of our wonderful vendors! Vendor information can be found at PHOTOS BY JAX PHOTOGRAPHY

If you were unable to join us at the expo, we would love to have you come visit our beautiful venue. Schedule an appointment today! Contact Facilities Manager Carole Fonfara at or 410-535-4439.


Sunday March 7, 2021


ridal boudoir is one of the hottest gifts for today’s groom. These special bridal portraits showcase images of brides-to-be that are beautiful, artistic, and most importantly, super sexy! This will always remind your hubby of the passion surrounding your engagement and wedding. What is Bridal Boudoir? Because it is such a recent trend, it can be difficult to fully understand the purpose of a bridal boudoir session and what all it entails. Each session begins with a consultation, discussion of session details to include props, jewelry, makeup and attire, as well as the session location. Images are shared during your session to ensure happiness and confidence of your results. The entire process usually takes about 4-6 weeks to ensure the best experience and a timely delivery. Bridal Boudoir Experience Attire for boudoir photos varies depending on the personal style of the bride, with a usual range of just a little lingerie to absolutely nothing at all. Bridal lingerie and the wedding veil are the most popular choices for most brides. But don’t get the wrong idea – this is NOT X-rated, it’s more like PG-13. The pros refer to it as ‘implied nudes,’ which means although you’re not wearing anything, you’re not really showing off anything either. Photographs are taken from many angles to both hide and highlight. By the time the session is over, the bride is more confident than ever. What Do I Do With the Photos? After your session and once you have the pictures, it’s time to gift them! Most brides choose a private, leather-bound box that contains a flat-laying album of approximately 20 images, while other options include matted single prints, a photo folio, or private wall art collections. Additional gift ideas include calendars and anniversary presents. All photographs that you love and order, also include a digital copy, so you can use the images for anything you wish. Giving the Gift The best part of the whole experience is actually giving him the gift. Groom reactions are so amazing because he has no idea what to expect, which makes the shock factor absolutely mind-blowing! The guys are always so surprised and happy to receive such a special, intimate gift from the love of their life. Give him a gift he’ll remember forever, captured at one of the best moments of both your lives. To schedule a session with us in preparation of your special day, visit

ABOUT BETH GRAEME Why am I so passionate about boudoir? Because I saw an immediate transformation in the level of self-worth a woman had after looking at the images on the back of my camera. Women exude beauty, sensuality and sexy. It is my job to portray that and show them what the rest of the world really sees. I get it, I’m a mother and wife. I give every ounce of my energy to everyone else. I want the same as you — to be loved, accepted, cherished, needed and supported. My kids did a number on my body, but my husband is just like your husband. He loves me to the core no matter what. Your husband loves you to the core, too. Every once in a while, we need to feel that love for ourselves. I create a safe, nonjudgmental space for women to feel free and pursue their sexy side. Let’s show him your reverence. Boudoir by Beth is a division of Beth Graeme Photography, LLC.

By Moni Jefferson Photo by Beth Graeme

The Best Groom’s Gift, Ever

A Riverside Room of One’s Own Learn to Tell Your Story at the Ninth Annual Chesapeake Writers’ Conference By CRYSTAL BRANDT


woman’s place is in a room of her own, preferably with an incredible view. The Chesapeake Writers’ Conference offers this much and more. In 1929, Virginia Woolf wrote that an aspiring woman writer must “have money and a room of her own” to be productive. In other words, she needs a place to think, write, reflect, write more, think again, revisit, rewrite, and repeat. Brigid Schulte, a Pulitzer prize-winning journalist for the Washington Post, concludes that women have a hard time cultivating these places and habits because we are busy protecting time and space for others and working inside and outside of the home. According to Schulte, feminist researchers have also found that many women don’t feel that they deserve long stretches of time to themselves the way men do. They feel as though they have to earn it by getting “to the end of a To-Do list that never ends.” One way to kick start the practice of making time and space for ourselves is by attending a writer’s retreat or conference. In the third week of June, writers from all over the country convene in Southern Maryland to attend what may be the region’s best-kept secret for doing just that: the Chesapeake Writers’ Conference held on the breathtaking campus of St. Mary’s College of Maryland (SMCM). Now in its ninth year, participants across genres spend a week immersed in all of the tools of imaginative trade: craft talks, lectures, panel discussions with publishing professionals, readings, networking opportunities, as well as daily workshops with accomplished faculty in fiction, poetry, songwriting, and creative nonfiction. There’s also a youth workshop for high school students and a daily Teachers’ Seminar for educators. The daily Teachers’ Seminar focuses on pedagogically harnessing the skill and enthusiasm that comes with the conference experience. It offers a novel opportunity for public school teachers to earn two graduate credits from SMCM, which can be used toward fulfilling continuing professional development requirements in Maryland. Each morning of the conference, participants in the Teachers’ Seminar meet to discuss how they can better intersect their writing practice and teaching before spending the rest of the day on their creative pursuits. This format provides a tremendous opportunity for educators to deepen their teaching and writing practices so that they may recharge and prepare to excite their students. The timing works great for Southern Maryland teachers, too: by the third week in June, many teachers are on summer break. Another bonus? The conference fees are often reimbursable by the teacher’s employer. This year, for the first time, the conference will host a Writerin-Residence in the SMCM Tiny House that lives on campus. The featured writer will spend a week living and writing in solitude and sustainable comfort in the cottage on wheels. The Tiny House was built with salvaged materials and state-of-the-art technology by SMCM professors Barry Muchnick (environmental studies), Carrie Patterson (art), and 110 SMCM students in collaboration with high school students at the Forrest Technology Center.


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While the Chesapeake Writers’ Conference cannot guarantee an income from your creative output, it can provide a private room with structured and unstructured moments on the serene banks of the St. Mary’s River. The result? Time and space to have a productive, creative experience that feels more like a retreat than a conference. Time matters. Space matters. Words matter. Even though Virginia Woolf penned the words nearly 90 years ago, she was right, and her words still ring true today. Claiming time and space for ourselves is important. Our stories are essential. How we express ourselves to each other, and the stories we tell about ourselves is crucial. Spending time in a room of one’s own with our words, our truth, and our purpose helps us to remember how much we matter.

9th Annual CHESAPEAKE WRITERS’ CONFERENCE June 21-27, 2020 St. Mary’s College Of Maryland FOR MORE INFORMATION: Jerry Gabriel, Director (240) 895-4341 Chesapeake Writers’ Conference StMarysWrites @StMarysWrites THIS YEAR’S EXCELLENT CONFERENCE FACULTY: Liz Arnold (poetry) Crystal Brandt (songwriting) Matt Burgess (fiction) Patricia Henley (fiction) Matthew Henry Hall (youth workshop) Angela Pelster (creative nonfiction)

9th Annual CHESAPEAKE WRITERS’ CONFERENCE June 21-27, 2020 at St. Mary’s College Of Maryland Fiction | Poetry | Creative Nonfiction | Songwriting | Youth Workshop | Literary Agents & Editors | Teachers’ Seminar Words. Water. Woods. WRITE ON THE RIVER Intensive workshops by genre for serious writers at all levels of experience. Award-winning authors to help develop and revise your work. One-on-one meetings with agents and editors. Daily events like lectures, craft talks, panel discussions, readings, open mic, social hour. Professional development credit for teachers. College credit for students. Waterfront facilities and rural retreat: kayak, paddleboard, hike, bike, run, relax. Living history at Historic St. Mary’s City, a 17th-century outdoor museum on 800 acres. Free outdoor musical performance by the Chesapeake Orchestra.


March/Apri l 2020 |


❝Movement building is kind of my thing.❞ - Rosa Hance


omen in Southern Maryland are playing a pivotal role in prioritizing environmental issues affecting our region and beyond. When St. Mary’s County resident Rosa Hance began volunteering with the Sierra Club in late 2016, the environmental group was functional, but there were not many people in the group locally. Through talking about her activities with friends, including nature and service outings, and advocacy around legal improvements to environmental regulations, she began to generate interest. Soon, others took notice, became curious, and got involved. Since then, Hance’s commitment led her to a natural path of leadership. Before becoming the Chair of the Maryland group, Hance served at the chapter’s vice chair for 2019 and previously served two years as the Chair of the Southern Maryland Sierra Club. In January 2020, Hance was named Chair of the Maryland Chapter Executive Committee, the youngest woman to ever serve in that role. According to Hance, the Sierra Club is a national grassroots environmental advocacy organization with entities at the local, state, and national levels. As the newest leaders of the Southern Maryland Sierra Club Executive Committee, women such as Elizabeth Ward (St. Mary’s), Julia Nichols (St. Mary’s), Bonnie Kelnberger (St. Mary’s), and Cindy Peil




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(Calvert) are helping to modernize, raise awareness, and strengthen support for environment service and advocacy in our community. Together with her colleagues, Hance works tirelessly to further energize and establish the local group, which is active in Charles, Calvert, and St. Mary’s Counties. “For me, the first thing I wanted to do was make sure we were really reaching everyone and translating environmental issues that seemed too abstract to understand into ways that we experience them every day. One example is the water since we live on a peninsula here in Southern Maryland,” Hance said. Thanks to her efforts, the group now has a Facebook page, Twitter account and, for the first time in a very long time, endorsed political candidates. The make-up of the local group has shifted, too. Membership has soared, with the most participants and committee members coming from St. Mary’s County. “We’ve still got a lot to do and a lot to grow, especially in Charles County. We still need to grow our network of young professionals because there’s so much energy around this work.” Not everyone is ready to volunteer and be a leader right away, she says, but if a functional group is in place, it gives people a more natural way to get started, regardless of their level of interest or commitment. Every idea and issue counts,

In 2019, Rosa Hance was nominated for Woman of the Year by the St. Mary’s County Commission for Women, an annual banquet recognizing women who dedicate their time to volunteering in the county. Hance has received citations from Senator Chris Van Hollen, Delegate Brian Crosby, the Commissioners of St. Mary’s County, and Governor Hogan in recognition of her dedication, work, and nomination.

❝IIwant my kids to have green spaces, clean water, and clean air. They are my reason for doing everything and inspiration to keep going.❞

ION on a


no matter how abstract or specific, big or small. “I tell people that if you can think of it and it has to do with the environment, then there’s probably someone at the Sierra Club working around it.” Originally from Long Island, Hance moved to the area after college when her (now) husband, Benjamin, a Calvert County native, convinced her to join him back home. “I grew up as a sailing instructor on tiny boats in Long Island, New York. I like to kayak; I like to take my kids swimming. I fell in love with the area and with the water.” This strong connection to the water motivated her to get involved with the ultimately successful initiative to ban fracking across Maryland. After that, Hance learned about a hearing happening in Washington, D.C., regarding rolling back a rule to limit pollution that a coal-fired power plant can discharge into the waterways. “It’s even more direct pollution, heavy metal discharge, and we have two in Southern Maryland that flow right into the Patuxent and Potomac Rivers, and both have been regularly exceeded the allowable limits.” According to the Southern Maryland Sierra Club’s official Facebook page, in 2017, volunteers, staff and partner organizations engaged residents from across Southern Maryland to testify at the Maryland Department of the Environment (MDE), a regulatory agency. The purpose? To ask that the coal-fired power plant be required to comply with the national Effluent Limitation

to Explore, Enjoy and Protect BY CRYSTAL BRANDT

Guidelines (ELGs), which require strict limits on pollution discharges. In 2018, the MDE issued a permit that included the requested protective ELG limits to keep local water safe. Instead of complying, though, Chalk Point Generating Station attempted to legally block the permit, which activated Sierra Club members along the Patuxent River. This spring, the environmentalists won that case in a circuit court, marking a significant victory for the people and the environment. “The judge ruled that the company must comply with the strict limitations on wastewater pollution and that environmental groups do have legal standing to fight coal plants in cases like these,” Hance said. Other major regional conservation campaigns supported by the Sierra Club Maryland Chapter include saving Mattawoman Creek and opposing the liquefied natural gas export plant at Cove Point. The former involves protecting the creek from destructive development practices, including zoning lower density in a Watershed Conservation District to control spreading. For the latter, the Sierra Club worked with local citizens and other organizations to help show their opposition to bringing one of the nation’s largest liquefied natural gas export facilities – and the extensive list of local and global environmental implications and concerns about air and water pollution that come along with it – to the east coast of the Chesapeake Bay in Calvert County. (continued next page)

March/Apri l 2020 |


(continued) By reaching out, collecting signatures, and spreading information about the dangers of fracking and what it would do to the water supply, Hance learned there were so many who cared about the health of the water. “One of the things that the Sierra Club helped me do is find my voice – how does my personal perspective or story attach to the larger story? Not just one person trying to save the world by myself, but as part of a collective of change?” she said. Hance keeps discussions about the environment to real and tangible “everyday kind of changes” that we all can do, like composting, planting trees, and not spraying pesticides on lawns. Instead of worrying about or judging others for being “green enough,” Hance says we should focus on helping in a way that is personal, meaningful, and part of daily life. “The most common thing people have said to me is, ‘how do you find time for this?’ I guess I just like to do it; I care – it’s meaningful, so that part is easy.” The self-described “mom by trade” who used to be a teacher has also used her inspired voice to spark conversations about the environment during parenting group meetups. One result of those chats is the successful Weekly Wander, a recurring stroll through regional parks to get kids to explore nature, hike trails, enjoy the outdoors, and scout for locations that could use the shade, especially near playgrounds. By the end of fall 2018, the group planted 13 full-grown trees in Chaptico, Chancellor’s Run, Lancaster and Carver Heights Community Park with more than 60 people turning out over a four-day weekend to help plant in St. Mary’s. In 2019, year two of the program, the Weekly Wander included parks in Calvert and Charles. Hance explains that “2020 promises to bring more plantings to Southern Maryland because new volunteers have signed on to help us expand our planting operations.” These events are free of charge and open to the public – Sierra Club membership is not required. Other highlights from 2019 include a kayak outing in Breton Bay led by new female outings leader Brandi Gerstner and the third Annual Grinch Garbage Gather co-hosted by the St. Mary’s National

What else can we expect from Hance and the Maryland Chapter in 2020? “We are working to legislatively set a timeline to phase out the remaining six coal-fired power plants in Maryland and create a community transition fund that supports impacted workers and the entire communities that have felt the public health and economic burden of coal pollution,” Hance said. “We are also supporting the singleuse plastic bag ban in the Maryland General Assembly and the transition off of all dirty fuels (for example, gas, nuclear, and trash incineration) to 100 percent clean, renewable solar and wind power. We will continue our support for funding of public transit, walkable and bikeable communities over endless highway expansion, and this year we launched our ‘Plastic Free Maryland’ campaign to phase out single-use plastics and address the worldwide plastic pollution crisis.”


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Association for the Advancement of Colored People (NAACP), and helping to pass the foam food container ban. The local Chapter also attended a local commissioner’s meeting to request a Transit Equity Day proclamation in honor of Rosa Parks’ birthday and the belief that access to public transit is a civil rights issue. Hance personally worked with the St. Mary’s NAACP Public Health committee to get a resolution at the NAACP state conference on the need for air quality monitoring in all jurisdictions since St. Mary’s has no air quality monitors. “Working with NAACP has been a great community-building experience and we look forward to continuing working together in 2020.”

Get Involved!

Sierra Club Southern Maryland Group

Rosa Hance, Chair Southern Maryland Sierra Club @somdsierraclub

What motivates her to stay involved? “My kids! I want them to have a world to grow old in. I want them to have green spaces, clean water, and clean air. They are my reason for doing everything and inspiration to keep going. This is it; we’ve got to do something for them.”

Earth day 4


tips ps TRY ALTERNATIVES FOR MANAGING PERIODS Most tampons and pads are filled with harmful chemicals and even those that are organic are still disposable and wasteful. Instead, a favorite eco-friendly option is period underwear that are highly absorbent and comfortable. You may have to pack an extra pair if you’re out all day, but it’s no larger than a pad in your purse. They just get washed separately. For overnight or postpartum, reusable pads are the best, never sticky, just soft. For those who prefer tampons, consider switching to a menstrual cup.

ADVOCATE Personal change is most effective if accompanied by institutional change. So, don’t forget to get out there as an individual or as part of a group, and help advocate for environmentally friendly business and governmental policies. Make your voice heard, and help make the world a better, healthier, and greener place.


to a More Responsible, Sustainable Lifestyle CHANGE UP YOUR LAWN CARE ROUTINE

Think for a minute about how much time, energy and money a person can spend on lawn care – mowing, leaf blowing, pesticides; the hours and dollars add up fast. Cut down on lawn acreage by expanding garden beds, planting native shade trees, or consider a no-mow zone that you can sprinkle with native wildflower seeds. If you must mow or remove leaves, go electric. Running a leaf blower or lawn mower motor for one hour releases more pollution than an 8-hour car ride. And definitely skip the pesticides and herbicides, even with those weeds between the cracks of the driveway. Vinegar and a spray bottle will do the trick for those spots!

REDUCE AND REUSE In the old “reduce, reuse, recycle” adage, we tend to take for granted the first two. Meanwhile, the river of disposable items that flow through our lives piles up (literally) in our household waste. Opting for things like reusable cloth napkins and towels instead of paper, or tempered glass food containers instead of throwaway plastic containers, can seriously reduce your landfill footprint and will save money in the long run. For food and yard waste, try composting at home or asking your HOA, condo association or apartment management to institute community composting. This reduces landfill impact and allows nutrients to cycle back into healthy soil.

“Instead of worrying about or judging others for being ‘green enough,’ we should focus on helping in a way that is personal, meaningful, and part of daily life.” March/Apri l 2020 |


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health&wellness By Kathleen Stark, LMSW-Transformation Life Coach

Take Back Your Power We hear these phrases often: Take Your Power Back, Own Your Worth. People often get confused by what these phrases mean. To be in your power is not to be forceful, manipulative, or aggressive. It’s quite the opposite; using your personal power for positive change is a very liberating and healthy thing. It empowers you, allows you to take control of your life, honor yourself, and to experience what it’s like to be powerful in a way that is good for you and those around you. It’s having a faith-based, rather than a fear-based, mindset. What is a faith-based mindset? It means that you are clear on your core values and understand your worthiness. You are excited to claim your power and joy, to share your gifts with others, and to own who you are unapologetically.

What is a fear-based mindset? Fear often keeps us stuck and limits our full potential to have a fulfilling life. Many will struggle with perfectionism; this can lead to procrastination, fear of judgment of others, and jealousy by others’ successes. By operating from a fearbased mindset, we often experience the inability to stay focused on our personal and professional lives. Think about people who are seen as successful, both in and out of the spotlight, who seem to glide easily from success to success. They are in their power, they’re centered in trust, and they listen to their inner wisdom. Everyone has experienced at least one moment of true empowerment in their lives, when they’ve felt like everything is working out, and they’ve felt

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incredible confidence and ease. Think about a time when you experienced that. How do you cultivate that feeling and keep it going forward in your life? A more important question is: how do you “know” how to step into your power when it really matters most? Here are a few places to start: Daily affirmations and personal mantras are powerful tools to use, especially when said while you’re moving your body. There is something about incorporating physical movement with your affirmations that helps your body to believe them. Here are some examples of daily affirmations and personal mantras: • “I focus on what I love, and I draw it in to me.” • “My thoughts are loving and positive.” • “I radiate inner peace, love, well-being, and happiness.” Meditate, go outside, get grounded and centered. If you spend just 10 minutes every day sitting with yourself and quieting your mind, you will begin to discover a place of inner peace, trust, and knowing. Meditation can be as simple as going outside and observing the abundance of nature. Notice it. Savor it. Feel connected and recharged. Praise yourself. This can be tough for a lot of people. It’s important to reduce the amount of

energy devoted to negative self-talk and self-criticism. Stop looking to others for confirmation, validation, and self-worth. Start by taking a moment each day to say something positive to yourself. Self-love can lower self-criticism and increase self-confidence. There is no faster way to feeling alive and powerful than to shower love upon yourself. Just because of yourself. Now that is stepping into your power. Cultivate the art of listening to your inner wisdom, and trust that all is well. Eventually you will know your power and own your worth. And when that happens, there will be no stopping you!

Kathleen Stark is a licensed social worker in the state of Maryland. She has a bachelor’s degree in Psychology from University of Maryland, University College, and is a Master of Social Work from Salisbury University, Maryland. Kathleen combines her years as a Social Worker and a psychotherapist with her experience as a cognitive behavioral therapist. She teaches concrete skills to assist women to own their value and create a positive outcome in their personal and professional lives. Kathleen is the founder and owner of Kathleen Stark, LLC and creator of the Transformation Life and Business online coaching program. Kathleen has 10 years of experience working with women in many capacities: trauma healing specialist, empowerment coaching and cognitive behavioral therapist. As a therapist and life coach, she is passionate about connecting with women and guiding them through their challenges. Kathleen integrates her knowledge of women’s issues and her life experiences to guide them in increasing their overall view of self, to decrease struggles with imposter syndrome and gain a full loving relationship with self.

March/Apri l 2020 |




(You want to keep it)


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You can rent the space for as long or as short of a time as you need. The contracts tend to run month to month, and you cancel at anytime. TIP: Ask about monthly specials!


Invest in some quality sturdy boxes or clear plastic bins. Try to keep them in similar sizes. It will be easier to stack, and it will save you space. TIP: For clothing, try the wardrobe boxes; all you do is transfer your clothes from the closet and hang them in the box... easy!





law&finance By Colleen Sinclair Prosser, Estate Planning Attorney

Protecting Your Child’s Inheritance Many clients worry about their son-in-law or daughter-in-law divorcing their child and walking away with a big chunk of their estate. And why shouldn’t they worry? With a divorce rate in America topping every other country, the chances of your kids having a long and happy marriage are not favorable. The question for today is, can you do anything to protect those assets by proper estate planning? When you give the inheritance outright to your children after you’re gone, there is nothing you can do to protect those assets. They’re fair game once control passes from the parents into the hands of your children. Yet almost every estate plan drafted the traditional way delivers the assets straight

into the hands of the children, regardless of whether the child is ready for that wealth or not. Let me give you an example. Susan is the daughter of Bill and Mary Jones. Susan is married to Jason. Bill and Mary never liked Jason, and despite the fact that they love their daughter, they felt like Jason was bad news. Bill

and Mary’s estate plan called for an equal division of the assets between their two children once Bill and Mary pass away. After the assets were divided, each share was handed to the kids, Susan and John, in one lump sum. Once Susan received the money from her parent’s estate, she deposited all the money she inherited in a joint account with her husband, Jason. About a year after Bill and Mary’s death, Susan files for a divorce. How much of Susan’s inheritance will Jason walk away with? For those of you who guessed about half, you’re right. So, in one quick move, one half of Susan’s inheritance is gone, and into the hands of a guy Bill and Mary never liked. How many of you know a situation like this? Believe me, it happens all the time. Can we keep Susan’s inheritance in the family, even in the face of a divorce? Yes. Let’s look at what I call the ‘Family Access Trust’ that holds Susan’s share. Susan is named as the Trustee. That means she has the power to manage all of her assets. Of course, she’s also the sole beneficiary, which gives her the right to spend the money or use the assets any time she wants. You might be wondering, “Why keep it in Trust if she can do anything she wants with it?” The reason is very simple. All the assets in the Family Access Trust are clearly defined as Susan’s inheritance. They are not commingled with any other assets belonging to Susan and her husband. In the event of a divorce, Susan’s inheritance is not part of the marital estate that the court gets to divide. A complete estate plan will consider not only how assets get passed to the next generation, but also how to protect those assets so they remain with the people you intended to receive them.

Colleen Sinclair Prosser Formerly the owner and manager of SinclairProsser Law, LLC, Colleen spent two decades at the helm of a busy practice and steered her firm with a guiding hand. Colleen continues to bring a wealth of Estate Planning and Estate Administration experience to the law firm through direct involvement with the clients of SinclairProsser Law.

Estate Planning Seminar Waldorf Tues, March 10 10:00 – 11:30 a.m. (Continental Breakfast) Hilton Garden Inn Waldorf 10385 O’Donnell Place

Crofton: Wed, March 11 7:00 – 8:30 p.m. (Refreshments) Crofton Country Club 1691 Crofton Parkway

Bowie: Thurs, March 12 7:00 – 8:30 p.m. (Refreshments) Comfort Inn US 50, US 301 @ MD 3

Huntingtown: Fri, March 13 10:00 – 11:30 a.m. (Continental Breakfast) The Hall at Huntingtown 4030 Old Town Road

Annapolis: Sat, March 14 10:00 – 11:30 a.m. (Continental Breakfast) Double Tree Hilton Annapolis 210 Holiday Court

Visit for upcoming seminar dates and locations.

March/Apri l 2020 |






Are you worried about your young child’s development or behavior? “I wanted to help my child. But I didn’t know where to go, who to see, or what to ask.” Our experts will empower you and support your young child’s behavioral health, reduce family stress, or simply help you become the best caregiver you can be. Talk to a parent who has “been there.” Our specialists will talk with you about your child and family needs and then connect your family to a range of family and child-focused services to empower you and support your child’s behavioral health.

Call BRIDGE at 443.546.0617 or visit


so rees


Local events and community happenings for the women of Southern Maryland HVFD Wednesday Night Bingo

Calvert Bridal Expo

The Huntingtown Volunteer Fire Department & Rescue Squad presents Wednesday Night Bingo. Come out for some fun and prizes, and support your local fire department. HVFD Auxiliary Kitchen provides food and refreshments. For more information, visit

The 12th Annual Calvert Bridal Expo brings the BEST local wedding professionals to you in one great show! Couples will find everything they need to complete their dream wedding. Fantastic prizes throughout the day and a GRAND PRIZE drawing! For more information visit

Every Wednesday Huntingtown Volunteer Fire Dept. 4030 Old Town Road Huntingtown, MD Doors Open at 6 p.m. Early Bird Bingo at 7 p.m. Regular Bingo at 7:30 p.m.

Sunday, March 1 Hall at Huntingtown 4030 Old Town Road Huntingtown, MD 12 - 3 p.m.

B ridal



Women to Women Monthly Meetings

Women Leaders in Sustainability

Women to Women (W2W) strives to educate our members on various business topics and provide opportunities to network in a relaxed professional environment. Our monthly meetings feature guest speakers, business spotlights and networking opportunities to assist all types of businesswomen with growing their business or professional network. We meet the 2nd Wednesday of every month and hope you can join us!

Come join us to celebrate the voices of the female leaders advocating for a healthier environment and sustainable community. Join the youngest female chair in Maryland Sierra Club history, Rosa Hance, in Leonardtown along with intergenerational female leadership in institutions of government, business and community for cocktails and live musical entertainment! RSVP at

Wednesdays, March 11 & April 8 Visit for meeting location 12 – 1:30 p.m.

Sunday, March 29 40895 Lark Way Leonardtown, MD Solomons, MD 4 p.m.

20th Annual Empty Bowl Supper

March for Babies

Empty Bowl Suppers are a national movement that began several years ago by artisans who wanted to raise money for their local homeless shelter. Project ECHO’s Empty Bowl Supper includes local food, local artists, live entertainment, a silent auction, a live auction, a raffle, and much, much more. If you are interested in purchasing tickets, advertising, donating or volunteering, please contact us at or 410.535.0044.

Get ready to walk in March for Babies! It promises to be a fun day with people who share a passion for improving the health of babies. There will be family teams, company teams and people walking with friends — join the event and walk to raise money for babies right here in Southern Maryland. For more information and to sign-up, visit

Saturday, April 4 St. John Vianney Family Life Center 105 Vianney Lane Prince Frederick, MD 4:30 - 7 p.m.

Saturday, May 9 Nationals Park 1500 S Capitol St. SE Washington, DC 8:30 a.m.

Keep up with local events and community happenings at Looking to promote an upcoming event? Contact


SOMDWoman_MarchApril2020_EventsPage_V1.indd 1 M a rc h / A p r i l 2 0 2 0 |

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POW ER ED BY CO LLEG E O F S O UTH ER N MARYLAN D EXPE R T S I N TR AI N I N G AN D D EVELO PI N G YO U R B U S I N ES S ' N E E DS : • I n n ova t i ve l e a d e r s h i p a n d p rofe s s i o n a l d eve l o p m e nt co u r s e s • I T a n d cy b e r s e cu r i t y t ra i n i n g a n d ce r t i f i ca t i o n • S k i l l s t ra i n i n g fo r h e a l t h ca re, b u s i n e s s , t ra d e s , a n d t ra n s p o r ta t i o n • D i ve r s e l e a r n i n g fo r m a t s a n d co nte nt to f i t yo u r b u s i n e s s n e e d s Yo u r strate g i c p a r tn e r to i d e nti f y a n d d e l ive r fl ex i b l e a n d i n n ovative e m p l oye e tra i n i n g s o l uti o n s .


Now Registering for


BLACK BELT ACADEMY Make this the best summer ever for your little ninja warrior!


Sign up early to reserve your spot

To learn more, visit our website - Prince Frederick

At Black Belt Academy,

our students are taught how to attain self-confidence & discipline with a strong, indomitable spirit along with physical fitness & self-defense.

285 Merrimac Court Prince Frederick, MD



Wildewood Shopping Center 23415 Three Notch Rd California, MD



10750 Town Center Blvd Dunkirk, MD


Lexington Park

St. Mary’s Square 21600 Great Mills Rd Lexington Park, MD



22640 Gregory Lane (Next to St. Marys Ryken) Leonardtown, MD


2-Week Trial Membership - Only $19.00

Offer Expires May 1st, 2020 | Up to 3 classes/wk -Includes FREE Uniform | New Students ONLY - Cannot be combined with any other All Black Belt Academy locations are individually owned & offers. operated / Not all PROGRAMS may be offered at every location BBA - SMW BackPage MAR_APR-2020.indd 1

2/13/2020 11:18:56 AM

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Southern Maryland Woman - March/April 2020  

Southern Maryland Woman - March/April 2020  

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