March 2023 | Baltimore Beacon

Meet Baltimore’s firetruck buffs

By Glenda C. Booth

Once a month, Jim Melia drives his gleaming red 1961 American LaFrance firetruck to a grocery store in Cockeysville to pick up some milk. Hampsted retiree Malden Miller drives one of his five antique firetrucks to Walmart now and then.

While onlookers might be baffled at the sight of an antique firetruck rumbling into the parking lot without sirens blaring, Melia and Miller regularly drive them on errands to keep them in good operating condition.

Besides, tooling around in vintage firetrucks boosts their spirits. “I’ve got some toys in the garage. I can walk in there, and my five red trucks make me feel good,” Miller said.

You might think this is a rare hobby. You’d be wrong. Melia and Miller are among 2,400 collectors of firetrucks and firefighting memorabilia around the country, according to an estimate from the Society for the Preservation and Appreciation of Antique Fire Apparatus. In fact, the society has 50 local chapters in Maryland alone, including the Chesapeake Antique Fire Apparatus Association, to which Miller and Melia belong.

Firetruck aficionados go to parades, truck shows, firetruck rodeos, and gatherings called musters, which feature competitions. A muster can attract up to 100 antique fire vehicles and associated equipment.

The first firefighting muster in the U.S. was held in Bath, Maine, in 1849, when entrants competed to pump water the farthest distance from hand-powered vehicles. The town still holds an annual muster today.

Fire service preservationists save photographs, artifacts, manuals and paraphernalia from brush trucks to helmets to pike poles.

Many can reel off facts about motor types, tank sizes, valve types and fire service arcana like pick-headed axes, quints and aqueous film-forming foam. Like Melia and Miller, many collectors maintain their own trucks.

Museum of firefighting history

If you don’t happen to glimpse Melia or Miller on their outings, visit a museum. Lutherville is home to one of the country’s largest fire museums, the Fire Museum of Maryland — a collection of vehicles, gear, tools, toys, uniforms, books and photographs.

The museum houses 40 vehicles, with its oldest engine dating to 1806: a hand-pumper from Annapolis. Pumpers were a big improvement over traditional bucket brigades, when people, often women and children, passed leather water buckets hand to hand down a line.

Visitors can learn how firefighting evolved from bucket brigades, to hand pumps, to people- and horse-drawn vehicles, to steam engines, then to motorized gas and diesel vehicles. Closed cabs showed up in 1946.

The museum’s director, Stephen G. Heaver Jr., took over from his father, who founded the museum in 1971 and mentored his son by enlisting him to tinker

with engines and by giving him and his friends rides in his 1928 fire engine.

“There’s something at the museum for everyone,” Heaver said. “Everybody needs to know something about our mechanical past. It made society safer. The average person may not know how engines operate, but he or she cares about public safety.”

Embedded in the building’s front is the front half of Baltimore’s first diesel fireboat, The Thomas D’Alesandro Jr. In operation from 1956 to 2007, the boat was named for Baltimore Mayor Thomas D’Alesandro Jr. (father of Nancy Pelosi, the recently retired speaker of the

, page 20

LEISURE & TRAVEL

St. Lucia’s dramatic peaks and white-sand beaches make for a perfect Caribbean adventure; plus, visiting Panama for stem cell treatment page 15

ARTS & STYLE

Baltimore’s annual CityLit program brings great writers to the area page 19

FITNESS & HEALTH 3

k Tips to tame inflammation

k Eat this when you lack sleep

LAW & MONEY 11

k Ways to earn money in retirement

k Find the right financial adviser

PHOTO BY GLENDA

C. BOOTH

Malden Miller owns five antique firetrucks, which he occasionally drives to his area Walmart to keep them running. A surprising number of Maryland retirees collect antique “fire apparatus.” You can see them compete at area musters, and get up close to antique engines and more at the Fire Museum of Maryland in Lutherville.

Critical thinking

As I’ve noted in earlier columns, I was rather critical as a youngster. (Some would say I haven’t changed all that much.) My parents and older brother weren’t always thrilled with my perfectionist attitude about, well, pretty much everything when I was growing up.

Fortunately, my family didn’t just sit there and take it. They argued back. Especially my brother, whom our father nicknamed “argumentative Arnie.”

Our back-and-forths were always leavened heavily with jokes and puns, so it’s not like we were always at each other’s throats. It was more of a competition to get the better of the argument.

While they do have a felicity with words and often display a clever sense of humor that I appreciate, to me they also frequently appear to have not thought critically about the topic they are covering and the people they are interviewing.

FROM THE PUBLISHER

By Stuart P. Rosenthal

I think it’s fair to say these family debates probably had a lot to do with the fact that my brother has had a long career as a litigator and I became an editor/publisher.

We both feel strongly about the need to write and speak clearly, and in order to do that well, one needs to think (and argue) clearly, too.

My critical side has been a bit overactive lately thanks to some of the folks who write these days for the daily newspapers.

When you read a news story and feel you’ve gotten only one side of the story, or perhaps only a caricature of the other side, you know something’s amiss.

Of course, it’s not just the writers who are at fault. Their editors are equally responsible.

And the old codger in me wants to chime in here with “and their poor education!” It seems they were not taught much history, much less critical thinking skills.

And perhaps because they have risen as far in the media as they have, they don’t have a sense of humility that whispers into their ear, “Do you really know what you are talking about? Shouldn’t you do a little more research and talk to a few more people before writing about this?”

You will note that I have refrained from identifying any particular topic in this discussion, as my point is a general one that I

think applies to multiple writers at many publications.

I’m not saying the Beacon is perfect, and it’s certainly true that we don’t cover breaking news with a less-than-24-hour turnaround. Daily reporters have a completely different (and much more difficult) job than do those of us who write or edit the Beacon, and I respect those who devote themselves to producing newspapers and websites in these times.

Still, it crossed my mind that all writers — indeed, all high school and college students — should be required to take a course in Critical Thinking. I’ve even come up with a game to play in such a class called “Poke a Hole in the Argument.”

I picture the class leader raising a new, often controversial, topic each week and starting by taking a poll: “What is your opinion on topic X?”

Then, the leader assigns thoughtful readings on all sides of the issue, and each day’s class is devoted to an unhampered discussion of one or more of the readings.

Questions to be raised would include: What are the elements of the arguments the writer makes? What is the logic behind those? What additional history or background are they assuming (or omitting)? How would you poke a hole in their argument?

After discussing all the readings, students would be asked to write a clearly reasoned analysis of the subject that looks at all sides and comes down wherever they personally feel most comfortable. Before moving on to another topic, the original poll would be retaken so the class learns if anyone’s mind has been changed by the exercise.

I think there are plenty of topics in the daily papers to fuel a class of this sort for many weeks, and I would like to think the students would come out of it better thinkers, voters and citizens.

I also believe that any students who participated in such a class wouldn’t want to be “protected” from opinions they disagree with (or hold in disdain), the way many college students today seem to feel.

For example, in a national survey of college students conducted last fall, 43 percent agreed with the statement: “Political opinions that I find offensive from fellow students should be reported to school administrators,” and 51 percent agreed that: “There are certain issues that school administrators or professors should prohibit from being debated on campus.”

Rather than banning speakers with different views from campus, critical thinkers would be itching to hear “the other side” and to engage any speaker in debate in a serious and mature fashion.

In both college and law school, I had teachers who used the Socratic method. We deeply questioned arguments from all sides of an issue, analyzed them, and learned how to respond in an articulate, effective manner.

What do you think? Is it time to try to bring back this time-tested method of thinking?

I believe, over time, such an effort might even improve the work of those who take jobs writing for our daily papers.

to the editor

The Beacon is a monthly newspaper dedicated to inform, serve, and entertain the citizens of the Greater Baltimore area, and is privately owned. Other editions serve Howard County, Md. and Greater Washington, D.C. Subscriptions are available via third-class mail ($12), prepaid with order. Maryland residents add 6 percent for sales tax. Send subscription order to the office listed below.

Publication of advertising contained herein does not necessarily constitute endorsement. Signed columns represent the opinions of the writers, and not necessarily the opinion of the publisher.

Publisher/Editor – Stuart P. Rosenthal

President/Associate Publisher – Judith K. Rosenthal

Executive Vice President – Gordon Hasenei

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Dear Editor:

I think your most recent “From the Publisher” column (“Dear Grandson”) is spot-on. Besides saying how overjoyed you are about the birth of your new grandson, you explained life's travels in such a beautiful and very meaningful way. Yes, it is NOT easy!

Barbara Sherr Baltimore

Dear Editor:

In response to your November cover story, “Pickleball craze picks up speed,” I want to point out that there are 60 people playing pickleball at the Randallstown Rec Center. In fact, more courts are to be added to accommodate players anxious to learn how to play pickleball.

Clorie Tildon Baltimore

Health

Health

FDA WARNING

When seeking stem cell treatment at home or abroad, do your research first

MIND-CONTROLLED WHEELCHAIR

Paraplegics learn to operate special wheelchairs using only thoughts

ANNOYING AHEMS

Constantly clearing your throat may indicate acid reflux, nerve damage or more

PAIN IN THE REAR?

Vets with lower back pain needed to help researchers improve treatments

How to prevent unhealthy inflammation

By Robert H. Shmerling, M.D.

Although inflammation serves a vital role in the body’s defense and repair systems, chronic inflammation can cause more harm than good. What can we do about it?

In fact, there’s a lot you can do. And you may already be doing it. That’s because some of the most important ways to fight inflammation are measures you should be taking routinely.

Let’s take a look at key elements of fighting chronic inflammation: prevention, detection and treatment. Here are six of the most effective ways to ward off inflammation: Choose a healthy diet. Individual foods have a rather small impact on bodywide inflammation, so no, eating more kale isn’t likely to help much. But making sure

you eat lots of fruits and vegetables, whole grains, healthy fats and legumes — sometimes called an anti-inflammatory diet — may reduce inflammation and lower risk for chronic illnesses like diabetes and heart disease.

Not only can these diets help reduce inflammation on their own, but replacing foods that increase inflammation (such as sugary drinks and highly processed foods) benefits your body, too.

Exercise regularly. Physical activity may help counter some types of inflammation through regulation of the immune system. For example, exercise has anti-inflammatory effects on white blood cells and chemical messengers called cytokines.

Maintain a healthy weight. Because

excess fat in cells stimulates body-wide inflammation, avoiding excess weight is key.

Keeping your weight in check also reduces the risk of Type 2 diabetes, a condition that itself causes chronic inflammation.

Manage stress. Repeatedly triggered stress hormones contribute to chronic inflammation. Yoga, deep breathing and mindfulness practices can help calm your nervous system.

Do not smoke. Toxins inhaled in cigarette smoke trigger inflammation in the airways, damage lung tissue, and increase the risk of lung cancer and other health problems.

Other prevention steps. It’s important to prevent inflammatory conditions, such as:

• Infection: Take measures to avoid in-

fections that may cause chronic inflammation. HIV, hepatitis C and COVID-19 are examples. Getting routine vaccinations are examples of effective preventive measures.

• Cancer: Get cancer screening on the schedule recommended by your doctors. For example, a colonoscopy can detect and remove polyps that could later become cancerous.

• Allergies: By avoiding triggers of asthma, eczema or allergic reactions you can reduce the burden of inflammation in your body.

Do you need tests to detect inflammation?

While testing for inflammation is not

Lack of sleep? Here’s what to eat, drink

By Jessica Ball, M.S., RD

Sleep is super important — not only for feeling energized and focused, but also for immunity, heart health, glowing skin and weight stabilization.

If you have a bad night of sleep, don’t sweat it too much. Lean on the following foods and drinks to help give you a boost until you’re able to get the rest you need: Water : Water is the most important drink when you are short on sleep. Dehydration can lead to overeating, moodiness and headaches, which can be especially draining if you’re lacking sleep.

Inflammation

From page 3

routinely recommended, it can be helpful in some situations. For example, tests for inflammation can help to diagnose certain conditions (such as temporal arteritis) or monitor how well treatment is controlling an inflammatory condition (such as rheumatoid arthritis).

However, there are no perfect tests for inflammation. And the best way to know if inflammation is present is to have routine medical care.

How is inflammation treated?

Anti-inflammatory medicines can be help-

Staying hydrated will help you feel energized in the short and long term. It’s also important for your brain, skin, heart and more. Carry a water bottle with you to make it easy to sip throughout the day.

Coffee and tea: Even though drinking water is best, there’s nothing wrong with having a moderate amount of caffeine, especially if you’re groggy.

Plus, there are some potential health benefits from drinking coffee and tea. Beyond boosting mood and increasing alertness, compounds in coffee may even improve heart health, brain health, diabetes and more.

ful to treat an inflammatory condition. And we have numerous FDA-approved options that are widely available — many in inexpensive generic versions. What’s more, these medicines have been around for decades.

Corticosteroids, such as prednisone, are the gold standard. These powerful anti-inflammatory medicines can be lifesaving in a variety of conditions, ranging from asthma to allergic reactions.

Other anti-inflammatory medicines can also be quite effective. Ibuprofen, naproxen and aspirin are among the 20 or so nonsteroidal anti-inflammatory drugs (NSAIDs) that come as pills, tablets, liquids taken by mouth, products applied to

Tea contains compounds that, when regularly consumed, may decrease stroke and cancer risk, and it also, when decaffeinated, can improve sleep in the long term.

Fiber-rich foods: There are several reasons why fiber is great for sleep. Fiber helps keep blood sugar steady for longer periods of time, so you can avoid the spikes and crashes that send our energy levels on a roller coaster.

Eating enough fiber can also improve sleep quality. Foods like fruits, vegetables, whole grains and legumes are filled with healthy fiber.

skin, injections and even suppositories.

Yet relying on anti-inflammatory medicines alone for chronic inflammation is often not the best choice. That’s because these medicines may need to be taken for long periods of time and often cause unacceptable side effects.

It’s far better to seek and treat the cause of inflammation. For example, among people with rheumatoid arthritis, anti-inflammatory medicines such as ibuprofen or steroids may be a short-term approach that helps ease symptoms, yet joint damage may progress unabated.

Controlling the underlying condition with medicines like methotrexate or etanercept can protect the joints and eliminate the

Nuts and seeds: Nuts and seeds are packed with healthy fats, protein and fiber to help you feel full longer, and are a great option for sustained energy when you hit an afternoon lull.

Nuts like walnuts are also great sources of omega-3 fatty acids, which research shows can promote healthy sleep. Seeds like chia seeds and flaxseeds are packed with fiber.

Eggs: Eggs are high in protein, which makes them filling and satisfying. They are quite versatile and, despite recent price

See LACK OF SLEEP, page 5

need for other anti-inflammatory drugs.

The bottom line

Even though we know that chronic inflammation is closely linked to a number of chronic diseases, quashing inflammation isn’t the only approach, or the best one, in all cases.

Fortunately, you can take measures to fight or even prevent unhealthy inflammation. Living an “anti-inflammatory life” isn’t always easy. But if you can do it, there’s an added bonus: Measures considered to be anti-inflammatory are generally good for your health, with benefits that reach well beyond reducing inflammation.

© 2022 Harvard University. Distributed by Tribune Content Agency, LLC.

FDA warnings about stem cell therapies

Courtesy of the U.S. Food and Drug Administration

Stem cell therapies may offer the potential to treat diseases or conditions for which few treatments exist.

Sometimes called the body’s “master cells,” stem cells are the cells that develop into blood, brain, bones and all of the body’s organs. They have the potential to repair, restore, replace and regenerate cells, and could possibly be used to treat many medical conditions and diseases.

Today, doctors routinely use stem cells that come from bone marrow or blood in transplant procedures to treat patients with cancer and disorders of the blood and immune system.

But the U.S. Food and Drug Administration is concerned that some patients seeking cures and remedies are vulnerable to stem cell treatments that are illegal and potentially harmful.

Lack of sleep

From page 4

increases, affordable. Eggs are also a great source of vitamin B12, which helps our cells metabolize energy and function at our best.

Calcium-rich foods: Foods like dairy, soybeans, sardines and leafy greens are worthwhile additions to your plate when you need energy. They’re high in protein to keep you feeling fueled, and also are packed with calcium.

A lack of calcium can make it challenging to get quality sleep, possibly because of calcium’s link to healthy blood pressure.

Iron-rich foods: Not getting enough iron can lead to general fatigue and even anemia. Iron is the main nutrient that delivers oxygen throughout our bodies.

To help you feel energized on a regular

FDA regulates only U.S. use

The FDA has the authority to regulate stem cell products in the United States.

The only stem cell-based products that are FDA-approved for use in the United States consist of blood-forming stem cells (hematopoietic progenitor cells) derived from cord blood.

These products are approved for limited use in patients with disorders that affect the body system that is involved in the production of blood (called the hematopoietic system).

These FDA-approved stem cell products are listed on the FDA website. Bone marrow also is used for these treatments but is generally not regulated by the FDA for this use.

With limited exceptions, new products being investigated must go through a thorough FDA review process as investigators prepare to determine the safety and effec-

basis, make sure to include iron-rich foods like spinach, kale, red meat and clams in your eating pattern. Clams in particular are also rich in energy-boosting nutrients like vitamin B12 and coenzyme Q10.

Bottom line

Sleep is important for short- and longterm health and wellness. Try adjusting your routine to help you get at least seven hours a night.

For days when you didn’t catch enough zs, these foods can give you a boost and set you up for better sleep in the nights to come.

EatingWell is a magazine and website devoted to healthy eating as a way of life. Online at eatingwell.com.

© 2022 Meredith Corporation. Distributed by Tribune Content Agency, LLC.

tiveness of products in well-controlled human studies, called clinical trials. The FDA has reviewed many stem cell products for use in these studies. (You can learn more about clinical trials on the FDA’s website.)

That said, some clinics may inappropriately advertise stem cell clinical trials without submitting to the FDA’s review process. Some clinics also may falsely advertise that FDA review and approval of the stem cell therapy is unnecessary.

Safety concerns

All medical treatments have benefits and risks. But unproven stem cell therapies can be particularly unsafe.

For instance, attendees at a 2016 FDA public workshop discussed several cases of severe adverse events. One patient became blind due to an injection of stem cells into the eye. Another patient received a spinal cord injection that caused the growth of a spinal tumor.

Other potential safety concerns for unproven treatments include:

• Administration site reactions,

• The ability of cells to move from placement sites and change into inappropriate cell types or multiply,

• Failure of cells to work as expected, and

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Housing Communities

❏ Catholic Charities (see ad on page 12)

❏ Charlestown/Erickson (see ad on page 4)

❏ Christ Church Harbor Apts (see ad on page 12)

❏ Harmony at Enterprise (see ad on page 13)

❏ Inspirations Memory Care (see ad on page 3)

❏ Oak Crest/Erickson (see ad on page 4)

❏ Park View Laurel (see ad on page 18)

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❏ Warren Place Senior Apartments (see ad on page 16)

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Clinical Research Studies

❏ Balance/Falls Study (HIPS) (see ad on page 8)

❏ Low Back Pain Study (see article on page 8)

❏ Memory & Sleep Study (REST) (see ad on page 8)

❏ Pre-Diabetes Study (CAMPS) (see ad on page 8)

❏ Shingles & Flu Vaccine Study (see ad on page 9)

Your wish is its command

Researchers have demonstrated that individuals who cannot voluntarily move the upper and lower parts of their body can, after extensive training, operate wheelchairs with their minds, even in a natural, cluttered environment.

In the small study, three persons who were unable to use their arms and legs due to spinal injuries were able to move their wheelchair using only their thoughts, which were translated into mechanical commands.

“We show that mutual learning of both the user and the brain-machine interface

algorithm are both important for users to successfully operate such wheelchairs,” said José del R. Millán, a researcher at the University of Texas at Austin.

Each of the participants underwent training sessions three times per week for two to five months. The participants wore a skullcap that detected their brain activities through electroencephalography (EEG), which would be converted to mechanical commands for the wheelchairs via a brainmachine interface (BMI) device.

The participants were asked to control the direction of the wheelchair by thinking about moving their body parts. Specifically, they needed to think about moving both hands to turn left and both feet to turn right.

“We see from the EEG results that the subject has consolidated a skill of modulating different parts of their brains to gener-

ate a pattern for ‘go left’ and a different pattern for ‘go right,’” Millán said.

By the end of the training, all participants were able to move their wheelchairs across a cluttered hospital room, to varying degrees of success. They were asked to navigate around obstacles, such as a room divider and hospital beds, which were set up to simulate the real-world environment.

John Schieszer

Diet may help lower hip fracture risk

Increasing intake of protein and drinking regular cups of tea or coffee may be a good way for women to reduce their risk of suffering a hip fracture, according to new research.

Food scientists have found that for women, a 25 gram a day increase in protein was associated with, on average, a 14% re-

Stem cells

From page 5

• The growth of tumors.

Note: Even if stem cells are your own cells, there are still safety risks such as those noted above. In addition, if cells are manipulated after removal, there is a risk of contamination of the cells.

Before trying stem cell therapies

duction in their risk of hip fracture. In a surprise twist, they also discovered that every additional cup of tea or coffee they drank was linked with a 4% reduction in risk.

Writing in the journal Clinical Nutrition, the researchers noted that the protective benefits were greater for women who were underweight, with a 25 gram/day increase in protein reducing their risk by 45%.

The protein could come in any form: meat, dairy or eggs, and for people on a plant-based diet, from beans, nuts or legumes. Four eggs would provide around 25 grams of protein as would a 4-ounce steak or piece of salmon.

The observational study reviewed records from more than 26,000 middleaged women for whom they were able to identify associations between factors in diet and hip fractures, which were identified through hospital records.

Women who are underweight may be

tion before getting treatment — even if the stem cells are your own.

• Request the facts and ask questions if you don’t understand. Make sure you understand the entire process and known risks before you sign.

If you’re considering treatment in another country:

• Learn about regulations that cover products in that country.

• Do you have pain, pricking or shooting sensations in your hands and feet?

• Lack of coordination and or falling?

• Poor quality and overall lack of sleep?

Dr. Carle has been in practice in Greater Baltimore since 1990 and has over 30 years of experience in helping patients relieve pain and/or reduce the suffering of chronic pain.

You may be told that because these are your cells, the FDA does not need to review or approve the treatment. That is not true [in the United States].

If you’re considering treatment in the United States:

• Ask if the FDA has reviewed the treatment. Ask your healthcare provider to confirm this information. Ask for this informa-

Now

For

• Know that the FDA does not have oversight of treatments done in other countries. The FDA typically has little information about foreign establishments or their stem cell products.

• Be cautious. If you’re considering a stem cell-based product in a country that may not require regulatory review of clinical studies, it may be hard to know if the experimental treatment is reasonably safe.

for Baltimore

Always clearing your throat? What to do

By Marcelo Campos, M.D.

Ahem! Ahem! Ever feel the need to move the mucus that annoyingly sits all the way at the back of your mouth? Most of us do at one time or another. The sensation usually lasts for just a few days when dealing with symptoms of a common cold.

But what happens if throat clearing lingers for weeks or months? That nagging feeling may be uncomfortable for the person who has the problem, and might also bother friends and family who hear the characteristic growling sound.

What causes all that throat clearing?

There are many causes, but let’s focus on four of the most common culprits. Keep in mind that throat clearing lasting more than two to three weeks deserves an evaluation from a medical professional.

Post-nasal drip

Post-nasal drip is probably the most common cause of throat clearing. Your nose makes nasal mucus to help clear infections and allergens, or in response to irritants such as cold weather.

A frequently runny nose can be quite disturbing. Just as mucus can drip toward the front of the nose, some mucus may also drip from the back of the nose toward the throat, sometimes getting close to the vocal cords. If the mucus is too thick to

swallow, we try to force it out with a loud AHEM!

Solutions: The best solution to this problem is to treat the cause of post-nasal drip. An easy way to do it without medications is to try daily nasal irrigation with a neti pot.

If you notice no improvement, different types of nasal sprays may help. It is best to discuss these options with a health professional, because some sprays may cause your symptoms to worsen. The key is to understand what is causing excess mucus production.

Stomach acid reflux

Another common cause of throat clearing is laryngopharyngeal reflux (LPR). Acid in your stomach helps digest food. But excess stomach acid sometimes flows backward up the esophagus that links throat to stomach. This may splash on the vocal cords or throat, causing irritation and throat clearing.

Not everyone with acid reflux experiences a burning sensation in the throat. Nor does everyone have heartburn, which is a classic sign of a related condition called gastroesophageal reflux disease (GERD). Some people merely feel an urge to clear their throat or have a persistent cough.

Solutions: Eating an anti-reflux diet and

not lying down shortly after eating may help in some cases. Often, people have to use medications for several weeks or months to lower stomach acid production.

Certain medications

A common class of heart and blood pressure medicines can also cause throat clearing. These are called ACE inhibitors. The funny thing is that these medications can trigger the urge even after years of people taking them daily without experiencing that symptom.

If that’s the cause, there is an easy fix. The sensation should be completely gone after stopping the medication, although in some cases it can take several weeks to abate.

Note: It is very important to talk to your doctor before stopping a prescribed medicine, so you can switch to something else.

Nerve problems

Damaged nerves responsible for sensation around the throat area is another possible cause. These issues are more diffi-

cult to treat, and are usually diagnosed after most of the other possibilities are ruled out. People often have this type of throat clearing for many years.

Solutions: A multidisciplinary team with neurologists and ear, nose and throat doctors (otolaryngologists) may need to investigate the problem. Medicines that change how a person perceives sensation can help.

There are many other reasons for throat clearing. Some people, for instance, just have a tic of frequently clearing their throat. Noticing any clues that point to the root cause can help. Maybe constant throat clearing happens only during spring, pointing toward allergies, or perhaps after drinking coffee, a reason to consider reflux.

An observant eye and jotting notes in a diary may help shine a light on the problem and its possible solutions. Very often, when the cause remains elusive, your primary care doctor may recommend a trial of treatment as a way to diagnose the problem.

© 2022 Harvard University. Distributed by Tribune Content Agency, LLC.

A coastal classic setting new heights. When you come to the coast, time slows down.

Once the waves hit your toes, your whole body relaxes and your spirit feels stronger. It’s a feeling you wish could last forever. Nobody likes having to leave the beach at the end of the day.

So don’t.

When a day at the bay is not enough.

Health Studies

INFORMATION ON AREA CLINICAL TRIALS

Vets with low back pain wanted for study

By Margaret Foster

Most of us have had at least one bout of lower back pain in our lives. But about half of all veterans have chronic low back pain. Now a study is under way to determine the best way to treat that pain without medication.

The nationwide study, known as Sequential and Comparative Evaluation of Pain Treatment Effectiveness Response (SCEPTER), will enroll more than 2,500 U.S. veterans. Veterans Affairs in Baltimore is one of 20 participating sites around the country.

“The study is basically looking at nonpharmacological therapies like physical therapy, chiropractic manipulation, cognitive behavioral therapy and yoga,” said Dr. Beth Hogans, local site investigator and associate director for education at the VA’s Geriatric

Research, Education and Clinical Centers.

“Each of those treatments have been shown in trials to be effective for low back pain. Some of them work a little better [than others]. They’ve never been compared head-to-head. That’s what this trial is about.”

The SCEPTER study is the first largescale study of its kind, Hogans said. “It’s the type of trial that’s been done for medication, but it hasn’t been done on a large scale with nonpharmacological therapies.”

If you’re a U.S. veteran who has had low back pain for at least six months, and at least four times a week, you’re eligible for the study.

How the study works

Once enrolled, participants will be randomly put into one of three groups, or

Cognition And Metabolism in Prediabetes (CAMPS) Study

Are you 50 years or older?

Are you relatively healthy, without a diabetes diagnosis?

If so, you may be eligible for a new research study in which you learn about your daily blood sugar fluctuations and cognitive abilities.

Receive $100 for participating.

For information call 410-605-7179.

Mention “CAMPS”

Seeking individuals with Memory and Sleep Problems

The REST study is a 13-15-week trial of trazodone taking place at Johns Hopkins Hospital and Johns Hopkins Bayview Medical Center

The REST Study is looking for volunteers who:

✔ Have been diagnosed with Mild Cognitive Impairment or have memory problems that are not impacting daily functioning

✔ Are experiencing problems with sleep

✔ Have a study partner willing to attend study visits

All participants receive:

• Free parking at each visit

• Home sleep studies which can diagnose sleep apnea

• All visit procedures administered at no cost

Call Estelle Eyob at 410-550-7385 or email

arms. One group will receive “care as usual.” Another group will take an online class on pain relief skills, a program that uses cognitive behavioral therapy. The third group will have 8 to 10 physical therapy sessions in person at Loch Raven VA Medical Center.

After three months, those still experiencing back pain will move on to the last phase of the study. Again, participants will be randomly placed into one of three groups.

The first group will work with a cognitive behavioral therapist via telehealth sessions. Another group will take virtual oneon-one yoga classes from their home. The third will have 8 to 10 in-person sessions with a chiropractor.

The physical therapist, clinical psychologist, yoga instructor and chiropractor are well known in their fields, Hogans noted.

“Here in Baltimore we’ve assembled a

Health shorts

From page 6

more likely to have reduced bone mineral density and muscle mass. Increasing intakes of several foods and nutrients, especially protein, may help reduce hip fracture risk more in underweight women than in healthy or overweight women by helping to establish or restore bone and muscle health. However, the researchers caution that these findings require further confirmation.

Tea and coffee both contain biologically active compounds called polyphenols and

team of handpicked superstar treatment providers,” she said. “These are great providers; they’ve been recognized for their abilities.”

The study lasts six months, and while some participants can do most, if not all, of it from their homes, others may have to travel to their in-person appointments.

“It’s a pretty big commitment,” Hogans admitted. But participants can not only potentially get some pain relief from these therapies, they can help others who suffer from chronic low back pain.

“This information is so vital for the millions of people living with low back pain,” Hogans said. “It really does help us make those strides forward.”

For more information or to volunteer to enroll in the SCEPTER study, contact Chad Wessinger by emailing chadsley.wessinger@ va.gov or call (443) 509-9436.

phytoestrogens, which may help to maintain bone health.

The data used in the study came from the UK Women’s Cohort Study, which recruited participants between 1995 and 1998. At the time they entered the study, the women ranged between 35 and 69 years of age. Of the 26,318 women involved in the study, 822 cases of hip fracture were identified (3.1% of the participants).

John Schieszer

John Schieszer is an award-winning national journalist and radio and podcast broadcaster of The Medical Minute. He can be reached at medicalminutes@gmail.com.

VIRTUAL CAREGIVERS WORKSHOP

Join this six-week online workshop to learn more about caregiver stress, dealing with difficult care partner behaviors, getting help, making decisions about treatment, housing, and communicating effectively with family, friends and health professionals. This course runs Wednesdays, March 1 to April 12, from 2:30 to 5 p.m. Register online at www.baltimorecountymd.gov/opalcenter. The suggested donation is $10.

Is juice really healthier than whole fruit?

By Lori Zanteson

Juicing is on the fast track from fad to full-on health craze. Thanks to an explosion of juice bars and celebrity endorsements, greens, super fruits, celery or beetroot juice straight up are “the new black.”

Healthy as these juicy concoctions may seem, there’s a tall order of hype muddling science with slick marketing.

Why juices can be good for you

Juicing can be a great way to get muchneeded nutrients from fruits and vegetables, especially when most Americans fall short of the recommended five daily servings, which evidence suggests may help prevent chronic diseases.

Consumption of 100% fruit juice provides nutrients, including phytochemicals — plant compounds associated with health benefits. A large body of evidence shows that juice can be a part of a balanced diet, offering reduced risk of many diseases, such as cancers, neurodegenerative diseases and cardiovascular diseases.

Juicing proponents say the body absorbs nutrients from juice more easily than from whole fruits and vegetables, and that juice removes toxins from the body, boosts the immune system, aids digestion and helps with weight loss.

But not better than whole

However, there is no sound scientific evidence that says extracted juices are any healthier than juice from the whole fruit and vegetable, no matter the marketing claim.

In addition, manufactured juices must, by law, be pasteurized, which means they are heated to high temperatures. That process, studies show, diminishes nutrients by as much as 70%.

Furthermore, while juices squeezed fresh from whole ingredients provide many of the valuable vitamins, minerals and phytonutrients of whole fruit, the healthy fiber — which includes the skins and their high concentration of phytochemicals and antioxidants — is discarded. Without fiber, the body absorbs the sugar in juices more quickly, which can

BEACON BITS

Mar. 4

spike blood sugar levels [and loses the many benefits of the fiber, which we need].

In addition, most juice calories come from carbohydrates, packing a lot more sugar from fruits and even some vegetables than most people realize.

Go ahead and get your greens — or purples, yellows and pinks — in a glass. Juicing can be a fun and tasty way to ramp up fruit and vegetable intake as long as it’s balanced in a diet that includes fiber, lean proteins and healthy fats. (But when buying packaged juices, be sure to check labels for added sugars.)

Since homemade juices have no added

preservatives, they will not last as long as the store-bought variety. When juicing at home, stick with small batches to consume right away.

BEACON BITS

Mar. 17

Reprinted with permission from Environmental Nutrition, a monthly publication of Belvoir Media Group, LLC, 1-800829-5384, EnvironmentalNutrition.com.

KEEP YOUR MOUTH & TEETH HEALTHY

Having a healthy mouth can help you live a healthier life. Join Joann Zipin, a dental hygienist with the Baltimore County Department of Health, to learn about oral health and the overall health connection, obtaining good oral hygiene, and oral cancer screenings and what they look for. This free class takes place on Fri., March 17, from 10 to 11 a.m. at Parkville Senior Center, 8601 Harford Rd., Baltimore.

IRB Approval Date: September 29, 2022

PARTICIPANTS NEEDED FOR A SHINGRIX AND INFLUENZA VACCINE STUDY

This research study aims to compare the safety of administering Shingrix (shingles vaccine) at the same time as FLUAD® or Fluzone® High-Dose influenza vaccines in older people

START PRACTICING MEDITATION

Visit the Kadampa Meditation Center and learn to meditate in an authentic way that has been used for centuries to reduce mental and physical suffering and increase the power of the mind, resulting in greater peace and happiness. This class takes place on Sat., March 4, from 11 a.m. to 12:30 p.m. at 900 East Northern Pkwy., Baltimore. The first class is free; after that, the cost is $12 ($8 for seniors). For more information and to register, email epc@meditationmd.org.

Who is eligible?

If you are 65 years or older, have not yet received a Shingrix (shingles) vaccine and have not received this year’s flu shot, you may be eligible for the study

Time commitment

This study occurs over 3.5 months with 4 clinic visits and 5 phone calls

Benefits to participating

If you enroll you will receive the Shingrix and Influenza vaccines free of charge as well as earn up to $325

The PI for this study is Dr. Kawsar Talaat. All clinic visits will take place at the Center for Immunization Research sites at Johns Hopkins Bayview Campus, located at 301 Mason Lord Drive, Suite 4300, Baltimore, MD 21224, and/or at 1101 North Point Blvd Suite 101 103 112, Baltimore, MD, 21224

If you are interested in participating, please email JHSPH.projectSAVE@jhu.edu, call 410-955-7283 or scan the QR code

Frozen corn makes a delicious cornbread

By America’s Test Kitchen

Adding whole corn kernels to the usual cornmeal in a cornbread recipe makes the cornbread extra good.

In this recipe, we puree the corn in a blender (along with buttermilk and enough light brown sugar to make the bread pleasantly but not overly sweet), which makes it easy to incorporate while eliminating tough, chewy kernels.

This cornbread is great served with chili and is also delicious on its own. Using frozen corn in the recipe allows you to enjoy this tasty morsel year-round.

Corny Cornbread

Serves 9

Ingredients:

Vegetable oil spray

1½ cups all-purpose flour

1 cup cornmeal

2 teaspoons baking powder

¼ teaspoon baking soda

¾ teaspoon salt

1 cup buttermilk

¾ cup frozen corn

¼ cup packed light brown sugar

2 large eggs

8 tablespoons unsalted butter, melted and cooled

Directions:

1. Adjust oven rack to middle position and

heat oven to 400 degrees. Spray an 8-inch square baking pan with vegetable oil spray.

2. In a medium bowl, whisk flour, cornmeal, baking powder, baking soda and salt until combined.

3. Put buttermilk, corn and sugar in a blender. Place lid on top of blender and hold lid firmly in place with a folded dish towel. Process until combined, about 5 seconds.

4. Add eggs to blender, replace lid, and process until well combined, about 5 seconds. Corn lumps will remain.

5. Pour the buttermilk mixture into the bowl with the flour mixture. Use a rubber spatula to stir until mostly combined (leave some streaks of flour). Add melted butter and stir until just combined and there are no streaks of flour. Pour batter into the greased baking pan and smooth surface with spatula.

6. Place baking pan in oven and bake until cornbread is deep golden brown and a toothpick inserted in the center comes out clean, 25 to 30 minutes.

7. Remove baking pan from oven and place on a cooling rack. Let cornbread cool for 10 minutes.

8. To remove cornbread, use oven mitts to flip the baking pan over onto the cooling rack. Carefully turn cornbread right side up and let cool on rack for 10 more minutes.

9. Transfer cornbread to a cutting board

and cut into squares. Serve warm or at room temperature.

For 25 years, home cooks have relied on America’s Test Kitchen for rigorously tested recipes developed by professional test cooks and vetted by 60,000 at-home recipe testers. The family of brands — which in-

A place of independence

cludes Cook’s Illustrated, Cook’s Country, and America’s Test Kitchen Kids — offers reliable recipes for cooks of all ages and skill levels. See more online at www.americastestkitchen.com/TCA.

© 2022 America’s Test Kitchen. Distributed by Tribune Content Agency, LLC.

Spring Gardens

Theme: Celebrating 40 Years!

Our landscape designers will help us celebrate our 40th anniversary. They may use the number or symbols of the anniversary within their landscapes!

Laundry & Culinary Art Experts

Patric Richardson, host of The Laundry Guy on Discovery+ will offer his best tips & tricks in the laundry room! (March 4-5) Plus pie-art expert Nancy Baker will offer tips & showcase her amazing creations! (March 4)

Orchid Show & Sale

The Maryland Orchid Society will have thousands of orchids on display! You will be amazed at the many varieties of these your home! Final weekend March 10-12!

400+

Pickersgill assisted living residents are rarely in l their rooms! Instead, , theyy’re out and about— participating in a community activity or event or dining with friends.

A place of beauty

Living in n this community—ttucked d into a beautiful West Towson neighborhood —you or your loved one beau enjoy a warm welcome and daily activities, and they’ll appreciate the will enjo paths, beautifully landscaped grounds, lovely gardens and more. walking path

A place of caring

Each assisted liv g resident enjoys three chef-prepared meals per day, ing re y services, medication administration, help with daily housekeeping and laundry se quest, and all included in a reasonable monthly tasks and more—always by reques o all of the fee. Each h resi s dent also has access to Pickersgill ameni l ties. private, full bath, and residents are Our assisted living g residences include a priv wish. This is a lifestyle dedicated to encouraged to decorate their homes as they al staff. independence and assured by a caring, professionalfessionalstasttaff.

Call 888-877-9883 today

for more information or to schedule your personal tour.

Home Design & Improvement Exhibits, 125+ Craft Show Artists, Spring Gardens, Petting Zoo, Flower Bouquet Giveaways, Wine Tastings & more!

Here, assisted living is living, with the right amount of personal assistance… …at a great value.

Making corn bread with (pureed) frozen corn kernels improves both flavor and texture.

Money Law & Ways to make extra money in retirement

By Kate Ashford

More than 1 in 4 retirees say they’re spending more than they can afford, according to an October 2022 survey by the Employee Benefit Research Institute. With inflation at 6.5% in December, it’s not surprising that savings aren’t going as far as they used to.

But there are ways to bring in extra income without taking on a full-time job. Some part-time gigs — such as tutoring, pet sitting or helping with tax prep — allow retirees to work a few hours at a time, and the extra income can make a big difference.

Here are some ideas to consider.

Pet sitting or dog walking

If you have a fenced-in yard and the ability to care for someone else’s furry family members, offering pet services can be lucrative and flexible. According to data analyzed by e-learning platform Preply, dog walking is the best-paid side hustle by average hourly wage.

“Not to mention, having canine companionship offers many health benefits,” said consumer finance expert Andrea Woroch. “So, pet sitting is a great way to get that without the high costs of owning your own dog.”

Teaching

One of the few perks of the pandemic is

that online teaching and tutoring have flourished. You can set up shop on an online tutoring site like Preply or Wyzant, or an online teaching site such as Udemy.

“Carve out a couple of hours on weeknights to tutor students online,” Woroch said.

If you have the credentials, consider creating a college-level course that you could teach as an adjunct professor.

“I created and teach on veterans’ issues at the Sanford School of Public Policy at Duke University,” said Paul Dillon, owner of Dillon Consulting Services, which helps veterans who want to start a business.

“Whenever the course is offered, I spend about five to 10 hours per week on work related to the course.”

Consulting or freelancing

Retirees often have decades of valuable experience. Taking on project work can help you stay in the game on your own timeline.

“Consulting is a great way to continue staying relevant in your field and offering your insights and advice without having to go back to the office full time,” said Jacques Famy Jr., a managing partner and chief marketing officer for merchant funding firm AdvancePoint Capital.

“You can either offer the services through

a firm, or start your own side-hustle business.”

Filling community needs

Depending on where you live, there may be ample opportunities to pick up side work with your town or city. Your local school may need occasional (or frequent — flu season!) substitute teachers, for instance.

“Many K-12 schools can use the talents of retirees,” said Janet Heller, president of the Michigan College English Association. Heller points to the need for crossing guards, assistant coaches for athletic teams and recess supervisors, among other positions.

Contact your local school district to see what part-time spots may be available.

Hosting guests

Do you have a lot of extra room in your house, and do you live in an area that attracts visitors?

“Rather than letting that freshly renovated basement or spare room go to waste, rent it out on Airbnb,” said Brian DeChesare, founder of Breaking Into Wall Street, a financial modeling training platform. “You get to set your ideal availability, so you’ll never be stuck with guests at inopportune times.”

You could well have unclaimed assets. For ways to find out and claim, see p. 12.

One tip: If you winter (or summer) elsewhere, consider hiring a property manager to manage rentals of your space.

Taxes/bookkeeping

Got tax preparation skills? You can find work assisting with tax returns in the first few months of the year — then take the rest of the year off.

This is a great opportunity for anyone with tax experience, but it’s also possible to take a tax prep course that will qualify you for spots at the big-box tax firms.

The same goes for bookkeeping if you have a finance or accounting background. You can put your previous financial skills to work on a freelance basis, or take a bookkeeping skills course to qualify for project work.

“If you’re looking to do an additional job, building your skills — which might mean getting a certification or taking another course to help make yourself more competitive for a specific role — we certainly encourage our clients to look into doing that,” said Toni Frana, career services manager for FlexJobs.

“For something that requires some knowledge of financial fields, you do need to have a little bit of experience in those areas.”

—AP/NerdWallet

How to select the right financial adviser

By Kellie Kiemle

Figuring out what to look for in (and where to look for) a financial adviser can feel overwhelming, whether you are looking for the first time or interested in changing who you work with.

When evaluating the top factors to consider, people commonly point to someone who gets good investment returns or who has a lot of credentials or experience.

These are indeed important aspects, but your search should go beyond that if you want to end up with a great long-term relationship.

Not all advisers are created equal. Though I’m not an adviser myself, I have nearly 20 years’ experience in the wealth management industry, and I work very closely with our firm’s advisers.

I recognize how important it is to find

the right fit, especially because choosing an adviser is a very personal decision and critical to your long-term financial success.

Do you need an adviser?

An important first step to finding the right adviser for you is understanding why you need one in the first place. Did something happen in your life that made it obvious you need help, such as an unexpected inheritance or a divorce? Are you planning for a big event, such as retirement, and want to see if you are financially ready to make this transition? Or maybe you’re a careful planner yourself and simply want to ensure you’ll be able to reach your long-term goals.

The list is endless: There are lots of reasons to seek out an adviser’s help, and un-

derstanding why you personally need one will help tailor your search. Some firms are better than others at providing different solutions.

Wealth management firms offer a variety of services, from detailed savings plans over decades, to personal advice on buying a home, or various ways to invest a recently inherited large sum of money.

Evaluate key skills, characteristics

When evaluating advisers, a top criterion should be: Do they listen to me? This might surprise you, but it’s actually the most critical component of a successful relationship.

Here are some questions to ask yourself when evaluating your conversation with an adviser:

—Did you feel like your questions were answered? If not, then maybe they were

not listening well enough and might miss things in the future.

—If you are part of a relationship, did both individuals feel heard and did they both contribute to the conversation? If not, then maybe it’s time to evaluate other advisers.

—Did the adviser uncover detailed things about how you think, your passions, your family and those things most important to you? If they stayed surface level with age, income and assets, then I might reconsider how in depth they will go with their planning.

You should also feel comfortable enough asking questions, so meeting in person or speaking on the phone is important to see how well you “jibe” with someone.

How to find and claim forgotten assets

Dear Savvy Senior,

A while back, I read an article about some online tools that can help people search for lost or forgotten money left behind by their deceased relatives, but I’ve misplaced it. Can you help me with this?

My mom, who passed away in December, was always bad about keeping up with her money, so I’m wondering if there was anything she left behind.

—Searching Son

Dear Searching,

Forgotten or lost money is actually very common in the United States. According to the National Association of Unclaimed Property Administrators, there are literally billions of dollars in unclaimed funds sitting in state treasuries and other agencies just waiting to be found.

These unclaimed funds are from accounts that are inactive, or whose owners, or their heirs, cannot be located. Unclaimed funds can include things like lost or forgotten sav-

ing or checking accounts, stocks, utility security deposits, tax refunds, life insurance policy proceeds, un-cashed dividend checks, matured savings bonds and much more.

This typically happens because of a change of address (the owner moved), a name change (the owner got married or divorced), or the owner died and the estate was unaware of the money, or the heirs could not be located.

By law, companies and financial institutions that can’t find the owner or their next of kin within two to five years must turn the property over to the state, where it’s held indefinitely.

Where (and how) to search

About 10% of all Americans have some unclaimed money out there waiting to be found, so it’s very possible your mother had some too.

To start your search, go to Unclaimed.org, which has links to all state programs that will let you do a state benefits search online for free. Or you can do a multi-state search in 39 states at MissingMoney.com. Be sure to check every state in which your mother lived, worked or did business.

Also, make sure to check under your mom’s maiden name. And if she had a frequently misspelled name, search those misspellings too. Using her first initial and her last name is also encouraged to make sure everything comes up.

Every state can tell you immediately if your mom has some unclaimed money, as well as how to go about collecting it.

Other places to look

In addition to state treasuries, here are

some other resources that can help you look for unclaimed money that may have been overlooked:

Forgotten retirement benefits: To search for lost or forgotten 401(k) funds your mom may have left behind with an old employer, use the National Registry of Unclaimed Retirement Benefits at UnclaimedRetirementBenefits.com.

To search for lost pension benefits, use the Pension Benefit Guaranty Corporation trusteed plan search tool at PBGC.gov/ search-trusteed-plans.

Lost life insurance: To track down a lost or forgotten life insurance policy, the National Association of Insurance Commissioners, an insurance regulatory support organization, offers a free policy locator service at eapps.naic.org/life-policy-locator.

Unredeemed savings bonds: It’s very common for people to lose track of U.S. saving bonds because they are often given to children as gifts, then forgotten before the bonds reach maturity.

To find out if your mom had any, the U.S. Department of the Treasury provides an online search tool at TreasuryHunt.gov for finding matured, uncashed savings bonds over 30 years old and no longer earning interest.

Federal tax refunds: Each year thousands of refund checks totaling millions of dollars are returned to the IRS by the post office. To look for lost federal tax refund checks, go to IRS.gov/refunds or call 1-800-829-1954.

Send questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book.

667-600-2600

From page 11

You’ll also want to feel comfortable that the adviser is willing to step up and respond to your individual needs.

Here’s an example: A couple of years ago, we contemplated having my husband make a transition from full- to part-time work. Our adviser ran a series of analyses on our income and his pension options. We decided not to make a change, but it was helpful to have someone who listened to us and then came back with different options.

Other critical skills to consider when choosing an adviser might be a little more obvious.

You definitely would want someone who is knowledgeable about both planning strategies and investments, who is constantly learning and staying current with new solutions and strategies and, finally, who can be flexible. Life can be crazy sometimes, so they should be ready to adjust your plan when those curveballs land.

Consider certifications, legal status

Various designations can lend insight into what type of experience an adviser has, and a good place to start is finding a Certified Financial Planner® (CFP). Having this designation requires these professionals to continue to learn, as they have mandatory hours of education each year — and they are regulated by a board of ethics.

And while we’re on the topic of ethics:

Fiduciaries are required by law to put your interests before their own. In addition to that, a subset of fiduciary firms are feeonly, which means they don’t sell any products or services beyond their relationship with you, and act as a fiduciary in all parts of their business.

The word fiduciary gets used incorrectly all the time, but a true fiduciary has very few conflicts of interest, with all decisions made in the client’s best interest. For me, these two criteria — being a CFP and a fiduciary — should be non-negotiable when choosing an adviser.

There are many other types of advisers out there, though — some work for broker-dealers, banks or even insurance companies. Just make sure you evaluate how they work with clients and how they get paid.

Some advisers earn a commission from services they sell, which can be a red flag if you feel any pressure during your conversation to add on or upgrade your initial

request. Or they may suggest an investment that isn’t perfect for your situation because they receive a higher payout on that specific investment — there is a level of conflict of interest to consider!

You also don’t have to stick with the same adviser the rest of your life. If some-

BEACON

thing isn’t working, and you lose your confidence in their ability to guide you through your life course, don’t hesitate to start the search again.

HOW TO START A NONPROFIT

This workshop, offered by the Community Law Center, will focus on the legal basics of establishing and maintaining a nonprofit in Maryland. Materials will be provided. This free event takes place on Tue., March 21, from 1 to 3 p.m. at Enoch Pratt Free Library, 400 Cathedral St., Baltimore. For more information, call (410) 396-5430.

ESTATE PLANNING +

Join the Register of Wills for Baltimore County and a judge from the Orphans’ Court for a discussion on the importance of estate planning for all individuals, regardless of age or wealth. Legal Aid will be on site to provide pro bono estate planning services to people who qualify. This free event takes place on Wed., March 22, from 10 a.m. to noon at Bykota Senior Center, 611 Central Ave., Towson. There is no registration required.

Rd.

Tax Aide program, offering in-person and virtual tax assistance free of charge, with a focus on taxpayers who are over 50 and have low to moderate income. To schedule a Tax Aide appointment at the Arbutus Library, call (410) 887-1451.

take advantage of the

Home

SOCIAL SECURITY

101 WEBINAR

Log on to Baltimore County’s virtual senior center to learn where to start regarding your Social Security benefits. This webinar

© 2023 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Life insurance has advantages over IRAs

By Elliot Raphaelson

Although Ed Slott (IRAhelp.com) is an expert in IRAs and other retirement plans, he consistently points out that permanent (that is, whole or universal) life insurance has significant advantages for long-term retirement planning.

Here are some aspects of permanent life insurance.

Life insurance protects against uncertain future tax rates. The proceeds of permanent life insurance are not

taxed. Unless you convert your retirement accounts to Roth accounts, you will eventually pay income taxes on IRA and 401(k) distributions, and it is likely that future tax rates will be higher than current ones.

Depending on the size of your retirement account distributions, you could also face increased taxes on Social Security benefits, and even trigger other taxes such as the 3.8% tax on net investment income.

If you systematically withdraw funds from your retirement accounts and pur-

chase permanent life insurance, you avoid the uncertainty of future tax rates, and the value of the life insurance grows tax-free.

Life insurance is an investment, not an expense. You should not consider life insurance as an expense any more than you would consider investing in a retirement account as an expense. However, investing in permanent life insurance does not have stock market risk associated with it.

Life insurance gives individuals more control over the funds. When Congress wants more income taxes from retirement accounts, it tends to change the regulations in ways that generally are unfavorable to owners of retirement accounts and their beneficiaries.

Atlantic City Day Trips

Mar. 5, Mar. 17, Mar. 26

Philadelphia Flower Show

March 6

Eastern State Penitentiary, Lunch and Barnes Museum

March 20

African American Museum (Wash, DC) – March 23

Naval Academy Docent Tour & Narrative Cruise

April 17

Harriet Tubman Guided Tour Cambridge MD

April 25 2023

See our 2023 season at www.superiortours.com/2023-tours

For example, the recent regulations associated with the SECURE Act force beneficiaries to withdraw funds from traditional IRAs more quickly, resulting in more taxable income for the government.

Congress also controls when owners of retirement accounts have to take required minimum distributions (RMDs) from their retirement accounts. With life insurance, owners of permanent policies have control over whether they want to terminate life insurance or initiate loans.

Life insurance incorporates leverage. One dollar of premiums can do the

work of many, and the result is guaranteed and tax-free. Especially in the case of the early, unexpected death of the policy holder, life insurance can produce multiples of the initial investment in a retirement account.

Life insurance mitigates market risk. It is true that during long periods in which stock and bond markets perform well, retirement accounts may outperform permanent life insurance policies.

But during periods of high inflation, which we have seen lately, both stock markets and bond markets can show very poor results. Investors who retired in the last few years are facing uncertain futures, as are their beneficiaries.

Investors are now discovering that bull markets don’t last forever, and there is no guarantee that a traditional 60/40 portfolio of stocks and bonds will always guarantee a financially secure future.

Bottom line: Individuals planning for a financially secure future for themselves and their beneficiaries should consider alternatives to a portfolio exclusively containing stocks and bonds. Permanent life insurance should be considered as a part of retirement planning.

Elliot Raphaelson welcomes your questions and comments at raphelliot@gmail.com.

© 2023 Elliot Raphaelson. Distributed by Tribune Content Agency, LLC.

Travel Leisure &

St. Lucia’s natural beauty and happy vibe

By Victor Block

Shortly after my wife Fyllis and I arrived on the Caribbean island of St. Lucia, we spotted locals wearing T-shirts with welcoming notes: “Be happy.” “Don’t worry, just party.” “Forget your troubles.”

Not surprisingly, many people go to St. Lucia for its beaches and splendid views of the multi-hued sea, which ranges from light green to turquoise to deep blue. Its 98 miles of sand include gently curving seashores overlooking sweeping bays and small slivers, which are favored by residents of the island.

After our first encounter with Viggie Beach in the capital, Castries [Cas-trees], Fyllis and I made that our go-to respite. It’s lined with palm and almond trees that provide welcome shade.

Several modest snack bars offer food, beverages and opportunities to meet and mingle with St. Lucians. They often comprise the majority of sun seekers there and, when a cruise ship is docked at the nearby port, may be joined by passengers.

Day-trippers, who use their brief stay on St. Lucia to soak up the sun, experience little of the history, culture and traditions of the tiny island, which has a square footage

only about three times larger than Washington, D.C.

Our two-week stay provided opportunities for Fyllis and me to delve into the “real” St. Lucia and discover why some 1.3 million people — about seven times as many as live there — visit the island each year.

For starters, the island’s dramatic topography and lush interior differentiates it from other, flatter Caribbean islands. Greenery lines roadsides and covers ridges that rise into sheer cliffs and mountains. A profusion of flowers transforms the entire setting into a natural botanical garden. Photogenic waterfalls add to the picture-perfect scenery.

Towering over it all are the twin Gros and Petit Pitons, pointy volcanic spires that even in this rugged terrain demand attention and respect. Although it’s possible to hike to the peak of the Pitons, we happily skipped that challenging clamber, preferring to explore the island — which has plenty of other mountains — by car.

Driving can be tricky

On the other hand, I discovered that driving on what passes for roads in St. Lucia presents other challenges.

Because Great Britain has held sway over St. Lucia since 1814, both the cars and roads reflect that influence.

That means the steering wheel of automobiles is on the right side, and cars drive in the (narrow) left lane.

(By the way, control of the island switched between England and France 14 times during the 18th century. As a result, names of towns and sites serve as reminders of both of those nations.)

Picture yourself navigating a vehicle along a roller coaster track, multiply the number of twists and turns by three, add the largest potholes I’ve had the misfortune to encounter anywhere in the world, and you have an idea of what it’s like to maneuver around the island by car.

Frequent “Hairpin Turn” signs are an understatement, and while most residents are understanding about newcomers, a few tailgaters sped past us as if they were racing at Le Mans. As one hotrodder passed our car, I was just able to make out the rather intimidating message on his bumper sticker before he sped around the next turn in the road: “No gears, no fears.”

Village hopping

Once Fyllis and I were able to catch our breath after driving to various destinations around the island, we were able to enjoy them.

St. Lucia’s tiny towns, many consisting of colorfully painted houses fronting the sea, each have its own attractions and personality.

Castries is the hub of the island’s economic activity. Its port — rated as one of the best deep-water harbors in the Caribbean — berths both cruise liners and cargo ships.

At the weekly Saturday market, a lively, colorful bazaar, venders sell everything from spices, soaps and souvenirs to homegrown produce, homemade adult beverages and homespun clothing. Food stalls serve local fare at bargain-basement prices.

Soufrière [Soo-free-air], which is French for sulfur, is home to Sulphur Springs, a col-

lapsed volcanic crater where people willing to put up with the pungent scent may take soothing mineral-rich mud baths, which are touted as beneficial for the skin. Also home to the Pitons, Soufrière has stunning beaches and waterfalls.

We drove through a number of small fishing villages, such as Anse la Raye, each with pastel bungalows, brightly painted boats, and fishermen cleaning their catch and mending nets.

Gros Islet [Groze Eelay] is another quiet fishing hamlet —except on Friday nights. That’s when the weekly “Jump Up” street party provides dinner and dancing, imbibing and liming (Caribbean for partying).

The event was born decades ago, when the proprietor of a rum shop set up a grill outside to attract customers. Neighboring businesses soon followed suit.

The “jumping up” begins in the evening when a crowd munches on grilled fish, chicken and other fare, and strolls through the narrow streets, swinging in time to music blaring from giant speakers. As nonislanders begin to depart,

locals arrive to take their place, some arriving by boat to the town dock.

The island of Saint Lucia offers more dramatic views and lush greenery than many other Caribbean islands. The deep-water harbor of the capital city of Castries welcomes visitors from cruise ships. Tourists enjoy the island’s white-sand beaches, handicraft markets and historical sites.

PHOTO © IRISHKA777 | DREAMSTIME.COM

Read about a visit to Panama for medical treatment on p. 16.

Brave Saint Lucia’s back roads (where you drive on the left) to get a closer view of the island’s two famous volcanic peaks, 2,619-foot Gros Piton and 2,461-foot Petit Piton. Those looking for a challenge can hike up the peaks.

PHOTO © F. BAARSSEN | DREAMSTIME.COM

DIANE YORK

A trip to Panama for stem cell treatment

By Diane York

For some of us, it’s a never-ending task to stall the aging process.

Now that I’m in my 60s, my back and hip problems were preventing me from activities like Zumba, hiking and pickleball. I had already been through the gamut of orthopedic consults, one hip replacement and endless physical therapy.

Then a friend of mine told me he had stem cell injections in his knees and within days was able to resume his marathon bike trips. I had read about motivational speaker Tony Robbins’ success with stem cell treatments at the Stem Cell Institute in Panama.

Intrigued, I took a closer look. They use umbilical cord stem cells. Those are not embryonic; they are from umbilical cords delivered at birth, which are typically discarded.

Such cells can travel throughout the body, possibly mending and replacing cells that are old and damaged. [Ed. For more information about stem cell research and its potential, see “FDA warnings about stem cell therapies” on page 5 of this issue.]

After sending my medical records to the clinic, I learned that they do not treat spinal stenosis (which I have), but would provide treatment for osteoarthritis (which I also have) and for general antiaging.

While side effects are usually minimal, the cost for this treatment is not. Even though my pocketbook was thin, and it would mean waiting another few years to replace my 2010 Toyota sedan, I wanted to take this chance. My friends thought I was crazy, but I decided to go for it.

Traveling with a friend

My good friend Linda accompanied me. We stayed at the Panama Hilton, where we had spectacular views of the bay and Casco Viejo, the “Old City” founded by the Spanish in 1519. Below our balcony, soft Latin music played as we watched guests enjoying the pool and the balmy weather.

On our first night, we ate in the café by the pool and had piña coladas to celebrate our arrival. A piña colada in the tropics is not quite the same as in the U.S. — fresh pineapple juice and fresh coconut milk (or was it the ambiance?) made them taste fantastic.

We decided to see some of Panama before my treatments began, starting with the Panama Canal. I was stunned by the enormity of the place. Massive tankers and container ships as large as small cities squeezed their way through the locks.

We watched in awe as a huge tanker plowed through, assisted by small trains and tugboats. Some of these ships can

carry as many as 24,000 containers, each the size of a railroad car.

We also toured Casco Viejo. The splendid Spanish architecture is still there,

some of it ruined, some still as grand as ever. Especially well-preserved were the

There’s plenty to see and do in Panama City. In addition to a modern downtown, Panama City’s plazas and historic buildings, especially in the Old City, are reminiscent of Spain. There’s also an impressive rainforest reserve nearby.

Forts and bunkers

That fun and frivolity contrasts with sites that relate serious chapters of St. Lucia’s history, such as bloody Revolutionary War-era clashes between France and England.

The British built Fort Rodney at the northern tip of the island in 1780, when they were vying with France for control of St. Lucia and other Caribbean islands. Its massive cannon could attack approaching enemy ships attempting to enter the harbor. Barracks, bunkers and the remains of the commander’s residence are among reminders of that time.

It was the French who first established a military presence on Morne Fortune, an imposing mountain that looms over Castries. Later, the British claimed the position and built fortifications, gun emplacements and other military structures scattered about the area.

After seeing the island’s historic sites, I discovered that my personal favorite place was neither a man-made military base nor bunker, but rather a natural attraction.

BEACON BITS

Ongoing

A tour of the Bay Marigot Bay combines some of Mother Nature’s magnificent handiwork, historic tidbits, welcoming accommodations and inviting places to dine. The cove is surrounded on three sides by steep, forested hills, and the inland portion forms a protected area known as a hurricane hole, where boats seek refuge from big blows. James Michener called it “The most beautiful bay in the Caribbean.”

The French and British navies fought a number of battles for control of the bay, and it serves today as a peaceful docking place for boats, ranging from small outboard motor craft to massive super-yachts.

For a closer look at Marigot Bay, we hopped on a boat tour. Given its name, it wasn’t surprising that a festive feel manifested itself shortly after our Spirit of Carnival Party Cruise catamaran left the dock. Passengers sipped and supped, danced to piped music, and oohed, aahed and photographed the superb scenery the boat passed.

Stops along the way included an immersion in the mud baths at Soufrière, a photo op standing beneath a plummeting waterfall, and a warmer experience snorkeling in the tepid Caribbean Sea.

As one guidebook puts it, the island has been “blessed by nature,” and offers “geographic and cultural riches enough to embarrass far bigger nations.” After acclimating to St. Lucia’s roads and absorbing its cheerful, calm atmosphere, we found that to be true.

If you go

Round-trip flights from BWI to St. Lucia start at around $684. Accommodations range from budget-priced local B&Bs, to medium-range boutique inns, to luxury allinclusive resorts.

We chose to stay at a furnished villa at

BEACON BITS

Mar. 10

Chateau Mygo, perched at the edge of Marigot Bay. Our two-bedroom apartment had an expansive living-dining-kitchen area, outside deck and small plunge pool. Rates begin at $1,200 a week. For more information go to chateaumygo.com.

Its excellent seaside open-air eatery features seafood, such as ample portions of sesame seared tuna or fish and chips (each $28), served with several sides. Guests of Chateau Mygo receive a 15% discount on food and beverages.

For more information about St. Lucia, see stlucia.org.

FREE JOB SEEKER ASSISTANCE

Visit the Enoch Pratt Free Library, where Maryland Department of Labor staff can help those re-entering the workforce after a long break refresh a resume, make a career change, or apply for a job online. This free event takes place on Fri., March 10, from 10 a.m. to 4 p.m. at Central Library’s Business, Science, and Technology Department, 400 Cathedral St., Baltimore. For more information, call (410) 396�5430.

Mar. 21+

FREE TECH SUPPORT

Baltimore County Department of Aging, in partnership with the University of Maryland Extension, offers free, private, one-on-one tech support. The Cyber Senior Tech Helpline is available to help you every Friday from noon to 2 p.m. For more information, the Zoom link or assistance, call (410) 887-2002 or email BCDAtechtools@baltimorecountymd.gov.

FIRST TUESDAY DANCE

Mar. 7

Put some twinkle on your toes at Bykota Senior Center’s monthly dance social. Helmut Licht performs ballroom music. This event takes place on Tue., March 7, from 1 to 3 p.m. at 611 Central Ave., Towson.

MEMORY CAFÉ

Jewish Community Services invites individuals with memory changes and their care partners to Memory Café, a welcoming, relaxed place to meet and enjoy refreshments, sensory-stimulating activities and supportive socialization. This free event takes place on the third Tuesday of each month, from 2 to 3 p.m., at the Pikesville Branch of the Baltimore County Public Library, 1301 Reisterstown Rd., Pikesville. Pre-registration is required at bit.ly/JCSMemoryCafe.

six churches and cathedrals that looked like they belonged in southern Spain.

Inside the clinic

The next day, I began my treatments at the Stem Cell Institute, located on the 63rd floor of a bank building in Panama City. The modern clinic was populated by friendly English-speaking assistants and nurses.

My doctor was very professional, inquiring about my medical history and problem areas. I asked many questions, all of which she answered patiently.

My first question was, “Of all the conditions you treat here, which have you had the most success with?”

She replied, “With multiple sclerosis, because we can see the changes in lesions. We can see them get smaller.” Also, she added, when they treat rheumatoid arthritis, they can measure and see changes as

well. The third area is with the treatment of autistic children, she said: “We have had many success stories there.”

She added, “We cannot cure these diseases, but we can stop the damage they are doing.”

I asked her how long it took to see the results. She explained that some people have an immediate response, some within months, and some see no improvement at all.

Meeting fellow travelers

Back at the hotel, I met many other people who were there for treatment at the same clinic.

A young man in a wheelchair was there for the third time. He had no feeling below the waist after an accident, and was told he would never recover. After his first infusion, he regained some feeling and movement in his lower body and can now stand with crutches.

An Australian soccer player with multiple injuries in his knee, shoulder and back

said he had experienced substantial improvement. A mother with a seven-year-old boy with autism was among several parents of autistic children there who had heard of good results from other parents whose children had been treated there.

My treatment, which consisted of three days of infusions, began. Aside from the needle in my arm, there was no pain. A mild headache a few hours later followed each infusion. These were cured with a cup of superb Panamanian coffee with cream and sugar.

The one clear positive result I had following the first infusion was the disappearance of pain in the upper jaw/cheek that I had since a case of Covid 10 months earlier. It was never resolved by antibiotics nor by a tooth extraction. Now it was completely gone. Overall, I felt good.

After my treatments, having another two days before we left Panama, we visited the Gamboa Rainforest Reserve. The road that day was swarming with big morpho

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butterflies (one of 1,500 species in Panama) in iridescent shades of blue. Remarkably lovely, they seemed to dance by the roadside in clusters.

We opted for a tram ride through the forest canopy, spotting villages along the Chagres River, where people still live as they had for hundreds, perhaps thousands, of years.

A large toucan was one of the many birds that watched from a treetop as we sailed by in the tram. Panama is on the migratory flyway and is so narrow that, at certain times, it has more species of birds on it than any other place in the world. The Audubon Society offers birding tours on Old Pipeline Road annually.

There is also a Smithsonian Tropical Research Institute in Panama, whose 40 staff scientists host more than 1,400 scientific visitors from around the world each year.

Results are positive so far

Will all this expense be worth it? I’m not sure yet.

Overall, since the procedure, I have a lot of energy that I didn’t have before. Climbing stairs is definitely faster; lifting things seems easier. My 10-month-long jaw infection is gone. It may take months to see other changes.

Did I enjoy Panama? Yes — I would like to return to take a boat ride through the Canal, look for birds on the Old Pipeline Road and watch some Spanish dancing at its delicious restaurants.

This article reflects the author’s personal experiences and is not intended as an endorsement of the Panama Stem Cell Institute or of stem cell treatment in general.

For some warnings about unproven or untested treatments, see “FDA warnings about stem cell therapies” on page 5 of this issue.

BEACON BITS

Mar. 25

HELP FINISH THE BLOSSOM TRAIL

The Children’s Home in Catonsville will host a community volunteer day on Sat., March 25, from 8:30 a.m. to 2 p.m. to complete the mile-long Blossom Trail. Volunteers are needed to help move mulch, pull weeds, remove debris and support trail workers. This event takes place at 205 Bloomsbury Ave., Catonsville. For more information and to register, visit bit.ly/BlossomTrailProject.

Ongoing

COCKEYSVILLE CENTER VOLUNTEERS

Cockeysville Senior Center needs dedicated volunteers to help with the Eating Together program, in the Corner Shop, with class and travel registrations, working at the front desk, in the fitness center, or in the library and serving on events committees. For more information, email cockeysvillesc@baltimorecountymd.gov or call (410) 887-7694.

Arts & Style

Festival encourages writers of all stripes

By Ana Preger Hart

“If there’s a book that you want to read, but it hasn’t been written yet, then you must write it,” Toni Morrison, the first Black woman to win the Nobel Prize for Literature, said in a 1981 speech.

This may well be true for how CityLit Festival, Baltimore’s annual celebration of literary arts now in its 20th year, came to be.

“Honestly, it was a grassroots kind of thing,” said Carla Du Pree, author and executive director of CityLit Project, the nonprofit that hosts the annual festival. It features a series of readings, classes, conversations and lectures, open to all who are or want to become writers.

“Four book lovers decided that Baltimore needed something like that, and they created a festival. And it was just that — book lovers: people who were invested in words and getting writers together in one place,” Du Pree said.

Since 2003, CityLit Festival — which remains free, something Du Pree said is “in this day and age unheard of” — has hosted Pulitzer Prize winners, National Book Award winners, MacArthur “genius grant” Fellows, Guggenheim Fellows and a Carnegie Medal Award winner. These writers visit Baltimore in person or virtually to offer constructive criticism, teach master classes, appear on panels and give lectures.

Past authors include Junot Díaz Mark Doty, Elizabeth Acevedo, Claudia Rankine, Chimamanda Ngozi Adichie, Patricia Smith, Dani Shapiro, Terrance Hayes, Nikole Han-

nah-Jones, Philip Gourevitch and more.

For new as well as seasoned writers

Despite the big-name authors, the festival is open to all writers. “We always wanted to support writers at every stage of their journey. It didn’t matter if they were emerging or established,” Du Pree said.

“CityLit became this place where writers could experience being a writer and feeling like a writer and being supported as a writer, which they don’t always get a chance to do.”

When Du Pree took over as executive director in the fall of 2016, succeeding founder Gregg Wilhelm, she saw an opportunity “to tap into people who didn’t necessarily call themselves a writer because they weren’t out there publishing, but still were invested in the craft of writing.”

To that end, the festival hosts a master class and a 90-minute craft intensive, each of which bring graduate-level instruction to a wider audience. This year’s craft intensive is called, “How to visually map out a story.”

Another popular feature is the opportunity to have an excerpt of your writing critiqued in a one-on-one half-hour session.

“Our hope is that writers attend our festival, they go home and feel empowered to do the work, and continue doing it regardless of the circumstance,” Du Pree said.

“Because writing belongs to everyone. Everyone I know has a story they want told; they want to read something that looks like them or close to their experience.”

Baltimore as a literary hub

Baltimore was home to many literary greats beyond the ubiquitous Edgar Allan Poe.

On a Literary Walking Tour of Mt. Vernon, hosted by Maryland Humanities, you can follow in the footsteps of poets Carl Sandburg and Edna St. Vincent Millay, see the birthplaces of Baltimore natives Upton Sinclair and Emily Post, visit the Peabody Library where nov-

See FESTIVAL, page 21

As part of this year’s CityLit Festival, Joy Harjo, the winner of the Bollingen Prize for American Poetry and former Poet Laureate of the United States, will be giving a reading of her poetry and conversing with a local poet on Tuesday, March 28, at Chesapeake Shakespeare Theater.

COURTESY OF CITYLIT

Ruth Lilly Poetry Prize winner Patricia Smith will read from her new work at this year’s CityLit Festival.

Fire trucks

From page 1

U.S. House of Representatives).

Besides fire engines that range from non-motorized stagecoach-sized vehicles to mammoth 20th-century ones, visitors can delve into firefighting’s intricacies over time.

The museum has an 1888 Clapp and Jones, which was pulled by horses and had a steam-pumping engine that pushed water out. There’s a 1913 gas-powered Ahrens-Fox Model A engine, the only one left in the world.

Inside the museum, which is open to the public only on Saturdays during the winter months, visitors can see fire station facades, uniforms, helmets, buckets, hoses, extinguishers, megaphones and goldleaf decals that firefighters proudly displayed

BEACON BITS

Mar. 4

on their vehicles.

There’s a wooden hand rattle that street watchmen spun around to make a loud clacking sound and alert people to fires. On one wall is a Stokes basket, a metal rescue stretcher used to lower and haul a victim away from a fire.

Collectors cherish their trucks

Melia, a Cockeysville resident who teaches engineering to high school students, “grew up around the firehouse because my father was a fireman,” he said.

He himself was a volunteer fireman in New Jersey for 10 years, and was so bothered by regularly seeing an open-cab, ladder firetruck rusting in a junkyard that he bought it.

Fixing up old firetrucks is “my thing,” he explained. “When I pass a red Corvette, I say to myself, ‘I’ve got my red convert-

JAZZ TRIO PERFORMANCE

Visit UMBC’s Linehan Concert Hall and enjoy an afternoon performance by pianist Harry Appelman and his jazz trio, featuring drummer Eric Kennedy and bassist Jeff Reed. They will perform original compositions and their takes on jazz standards and songs from the Great American Songbook. This event takes place on Sat., March 4, from 3 to 5 p.m. at 1000 Hilltop Cir., Baltimore. Tickets are $15 ($10 for seniors) and can be purchased by visiting bit.ly/JazzTrioUMBC.

ible, too. It’s just a little bigger.’”

Most Tuesday nights, Melia and a few other firefighting buffs gather to repair and restore antique vehicles. “Every time, I learn something new,” he said.

To complete the picture, he even has a black and white Dalmatian. “When my dog is in the parade, no one sees the firetruck,” he said.

A retired fuel truck driver, Miller has driven his firetrucks to events as far away as Florida, Texas and Minnesota. He has five vehicles: a 1968 Hahn, his newest; a 1946 International brush truck; a 1959 Ford brush truck; a 1956 Ford pumper and a 1948 American LaFrance pumper. A brush truck has a front-end spray bar for putting out fires in fields or forests.

No two firetrucks are alike, he says, because each station that ordered them had certain specifications.

Miller has been a volunteer firefighter since age 16, and now volunteers at the Manchester and Pleasant Valley stations. He used to ride on the side of the truck, but not anymore. “When I turned 70, I quit fightin’ fires,” he said.

Instead, Miller helps with other tasks. He’s been inducted into the Maryland

State Fireman’s Association Hall of Fame. He finds joy in driving a big red firetruck down the interstate and watching reactions, “especially the kids with their noses pressed up against the window. It’s neat.”

How to buy your own firetruck

Used firetrucks are the cheapest of any antique vehicle, typically costing between $2,000 and $3,000, according to Tom Herman, president of Virginia’s Old Dominion Historical Fire Society. Today’s sales are mostly conducted on the internet, on eBay, or at government surplus auction sites like govdeals.com.

“You don’t have to be rich to own a historic firetruck,” said Herman.

Admission to the Fire Museum of Maryland is free on Wednesday, March 4 from 10 a.m. to 4 p.m. for Fire Safety Day, and on Saturday, May 6 from 10 a.m. to 2 p.m. for Steam Day. Regular admission is $15; $13 for seniors and firefighters; $7 for children 2 to 18. Visitors under 2 are free.

The museum seeks volunteers to help in the office with archives and membership, assist visitors, restore apparatus or ride in parades. Visit firemuseummd.org or call (410) 321-7500.

Peace of Mind is Priceless

Pre-planning a funeral is a great gift, to your family and to you: It relieves the pressure on them to imagine what you might have wanted while they deal with grief and loss.

Your funeral service will be exactly as you wish.

Your family can enjoy peace of mind knowing everything has been arranged.

If you choose to pre-fund, the cost is fixed and protected from later price change or inflation.

Call us

learn

Ask

From page 19

elist John Dos Passos wrote daily, and more.

In addition, Baltimore’s Enoch Pratt Free Library hosts a robust Writers LIVE! series year-round featuring conversations with authors across all genres.

Past guests have included Pulitzer Prizewinning poet Jericho Brown, author and national radio personality Garrison Keillor, National Book Award winner Ta-Nehisi Coates, and local journalist and detective fiction novelist Laura Lippman.

Lifting as we climb

This year’s CityLit festival is back in per-

son after two years of virtual programming and with new partnerships with local arts organizations. It will take place over three days in late March.

Its theme is “Lifting as we climb,” the same motto as the National Association of Colored Women, whose founder, Mary Church Terrell, championed racial and gender equality.

The festival’s signature daylong event will be held at the Joseph Meyerhoff Symphony Hall on Saturday, March 25.

On Tuesday, March 28, in partnership with Chesapeake Shakespeare Theater, CityLit presents former U.S. Poet Laureate Joy Harjo.

The festival closes on March 31 at Busboys and Poets in Baltimore, featuring Pa-

tricia Smith — the Ruth Lilly Poetry Prize for lifetime achievement winner — with her new book, Unshuttered: Poems

CityLit hosts two other annual events in partnership with the City of Baltimore: CityLit Stage, as part of the Baltimore Book Festival, and CityLit Studio during Free Fall Baltimore.

Du Pree believes everyone has a story, and she wants to encourage average citizens to write.

“There’s always a way to reach an older adult who has retired but still has life in them or a story they want to tell. Or that writer who’s got the 9-to-5 job, and after

the kids go to sleep, they get out the pen or get on a computer. Or the writer who gets up at 5 o’clock in the morning to do their work.

“Those, to me, are still writers,” Du Pree said. “There’s something about owning the idea that you can claim yourself as a writer because you are actually doing that work. We want to lift those people.”

For more information about the CityLit Project and its programs throughout the year, as well as more details about this year’s CityLit Festival, visit www.citylitproject.org.

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BUYING VINYL RECORDS from 1950 to 1990 JAZZ, ROCK, BLUES, R&B, DISCO, SOUL, REGGAE, & GOSPEL, ANY VINYL FORMAT 33 1/3 RPM Albums, small 45 RPM’s & some 78 RPM, Also CD’s, Prefer LARGER COLLECTIONS AT LEAST 100 items, PLEASE CALL JOHN 301-596-6201 PAYING TOP CASH FOR ANTIQUES AND COLLECTIBLES. Housecalls made with prompt, courteous service seven days a week and 25 years of experience! Buying jewelry, toys, trains, militaria, glassware, advertising merchandise, paper items and much more! Contact Mason or Megan at: 443-3068816

ART EXHIBIT & RECEPTION

Baltimore County Arts Guild hosts this Artists 4 ERA (Equal Rights Amendment) exhibition, created to expand awareness of the effort to add gender equality to the U.S. Constitution. The exhibit runs from Mon., Feb. 27 to Sun., March 5. The reception takes place on Fri., March 3, from 6:30 to 9:30 p.m. at 10 Saint Timothy’s Ln., Catonsville. Both events are free, but you must register for the reception at bit.ly/Artists4ERA.

AARP

DRIVING SAFETY COURSE

When you take the AARP Smart Drivers Course, you could be eligible for a multi-year discount on your auto insurance. This course takes place on Mon., March 6, from 9 a.m. to 1 p.m. at Victory Villa Senior Center, 403 Compass Rd., Baltimore. The cost is $20 for AARP members and $25 for non-members. Space is limited; call (410) 887-0235 to sign up.

STRING QUARTET PERFORMANCE

Thalea String Quartet’s musical program explores the influence of American musical traditions, including bluegrass, rock ‘n’ roll, hiphop, the blues and spirituals. This free performance, part of the Shriver Concert Hall’s Discovery Series, takes place on Sat., March 11, at 3 p.m. at UMBC’s Linehan Concert Hall, 1000 Hilltop Cir., Baltimore. The suggested donation is $10. For more information and to reserve tickets, visit bit.ly/ThaleaStringQuartet.

FREE MOVIE: BROOKLYN

Visit the Lansdowne Senior Center to enjoy a screening of the movie Brooklyn, about an Irish immigrant in 1950s Brooklyn. This free event takes place on Thu., March 16, at noon, at 424 Third Ave., Baltimore. Have a sub and a bag of chips with the movie for just $6. For more information, email Lansdownesc@baltimorecountymd.gov or call (410) 887-1443.

•

Find

Crossword Puzzle

1234

Scrabble answers on p. 20.

Across

1. Word on an Oscar statuette

5. Shut the door, emphatically

9. Wardrobe wood

14. After curfew

15. Most food truck purchases

16. Where to see Boston, or the Boston Celtics

17. Shrek or Fiona

18. Part of a chemical equation

19. Like the Miami Marlins’ stadium (usually)

20. Out of the ___

23. Frat party drink dispenser

24. Manufacturer purchased by Nicola Romeo in 1915

25. She never complained about in-laws

26. Photographer Adams

28. End of rapt- and rupt-

29. It moved from DOT to DHS in 2003

32. Out of the ___

36. The center ___ (Columbus’ region)

37. Sports org. exempt from antitrust laws

38. “I ___ hungry, I could eat a horse”

39. Out of the ___

44. Stamp on a bounced check

45. “St. Elsewhere” sets

46. Disarmament meetings

47. Suffix with serpent

48. Gillette twin-blade shaving system

49. Make lace

52. Out of the ___

57. Jesse or Joey on Full House

58. Boy in Barcelona

59. Small buffalo

60. Early anesthetic

61. Meet at ___ time and place

62. Munich mister

63. Covers in tiny particles of pollution

64. Actors Beatty and Bellamy

65. “Nature ___ as little as possible of anything” (Kepler)

Down

1. City square

2. Hole in one on a par-three

3. Creamy beef dish

4. “Scuttlebutt” has four

5. “Brothers” inducted into the Country Music Hall of Fame in 2008

6. Flock

7. Greek marketplace

8. Courteney Cox and Lisa Kudrow (but not Jennifer Aniston)

9. Medical student’s practice patient

10. Wear away

11. Show off at a trade show

12. From square one

13. Gamma ray doses

21. Like level 1 of a video game

22. Parade honoree

27. Soda brand whose logo featured the lower half of a woman’s legs

28. Like a tuxedo shirt after the prom

29. Many of the first images in Night of the Living Dead

30. C-level

31. ___ on both your houses

32. Symbol on an outhouse

33. Switch downs (usually)

34. A bit under the weather

35. African songbird

40. Shaq and Wilt the Stilt

41. Able was I ___ saw Elba

42. Corn diseases

43. L-breaking b-guy

47. Typical place for a Bond villain’s lair

48. It is present in absinthe

50. Think the world of

51. Russian rulers

52. Opposite of an ans.

53. “Do ___ others, then run” (Benny Hill)

54. Fifth word of the NATO phonetic alphabet

55. ___ as-needed basis

56. Hawaii’s most populous island

CLASSIFIEDS

The Beacon prints classified advertising under the following headings: Business & Employment Opportunities; Caregivers; Computer Services; Entertainment; For Sale; For Sale/Rent: Real Estate; Free; Health; Home/ Handyman Services; Legal Services; Miscellaneous; Personals; Personal Services; Vacation Opportunities; and Wanted. For submission guidelines and deadlines, see the box on the right.

CAVEAT EMPTOR!

The Beacon does not knowingly accept obscene, offensive, harmful, or fraudulent advertising. However, we do not investigate any advertisers or their products and cannot accept responsibility for the integrity of either. Respondents to classified advertising should always use caution and their best judgment.

EMPLOYMENT & REAL ESTATE ADS:

We will not knowingly or intentionally accept advertising in violation of federal, state, and local laws prohibiting discrimination based on race, color, national origin, sex, familial status or handicap in connection with employment or the sale or rental of real estate.

EXTRA EXTRA MONEY!!!!!!!!! Immediate Private Duty Assignments for GNA’s and CNA’s. For More Information Contact: ONE DAY AT A TIME PERSONAL CARE LLC. 443882-3040

VENDOR MEMBERS GROUP annually organizes multiple craft shows in Baltimore County, MD. Shop with us! For more information: www.vendormembersgroup.com

PROTECT YOUR INCOME WITH LIFE INSURANCE. Protect your legacy, prevent unexpected expenses and prolong your life. Get insured today. I will get you coverage call 202315-6333.

UP TO $15,000.00 OF GUARANTEED LIFE INSURANCE! No medical exam or health questions. Cash to help pay funeral and other final expenses. Call Physicians Life Insurance Company - 866-212-1092 or visit www.Life55plus.info/beacon

WESLEY FINANCIAL GROUP, LLC Timeshare Cancellation Experts. Over $50,000,000 in timeshare debt and fees cancelled in 2019. Get free informational package and learn how to get rid of your timeshare! Free consultations. Over 450 positive reviews. Call 855-626-8703.

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WHEELCHAIR VAN 2007 Dodge Caravan SE with only 70,500+ miles. Side entry automatic ramp. Lovingly cared for by third owner. Regularly serviced. Front passenger seat may be removed so wheelchair can be next to driver. Special roadside assistance plan available. $19,990. Contact Hank at 301-980-1991 VIVINT. SMART SECURITY. Professionally installed. One connected system for total peace of mind. FREE professional installation! Four FREE months of monitoring! Call now to customize your system. 1-844-758-7925.

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For Sale/Rent: Real Estate

FURNISHED ROOM FOR RENT, total cost a week $ 175. Location: Dundalk, MD 21222.

Please call: # 410 977 3610

DENTAL INSURANCE from Physicians Mutual Insurance Company. Coverage for 350 plus procedures. Real dental insurance - NOT just a discount plan. Do not wait! Call now! Get your FREE Dental Information Kit with all the details! 1-844366-1003 www.dental50plus.com/320 #6258.

STROKE AND CARDIOVASCULAR DISEASE are leading causes of death, according to the American Heart Association. Screenings can provide peace of mind or early detection!

Contact Life Line Screening to schedule your screening. Special offer - 5 screenings for just $149. Call 1-844-485-7035.

MOBILEHELP, America’s Premier Mobile Medical Alert System. Whether You’re Home or Away. For Safety and Peace of Mind. No Long Term Contracts! Free Brochure! Call Today! 1-240-650-9189.

PORTABLE OXYGEN CONCENTRATOR May Be Covered by Medicare! Reclaim independence and mobility with the compact design and long-lasting battery of Inogen One. Free information kit! Call 855-851-0949.

REPAIR CERAMIC, PORCELAIN, MARBLE, GRANITE TILES, repair leaking showers, basic plumping work, new bathrooms, showers, floor installation, handicap access, kitchen backsplash, counter, drywall, plaster repair, paint, handyman services. Please call: # 410 -977- 3610, # 410-2855452. Email: axstile@yahoo.com. MHIC # 115085

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HOW TO PLACE A CLASSIFIED AD

All classified ads must be submitted and paid for online, via our website, www.thebeaconnewspapers.com/classifieds

Deadlines and Payments: To appear in the next issue, your ad text and payment must be entered by the 5th of the preceding month (for Baltimore and Howard County editions); by the 20th (for Washington edition).

Cost will be based on the number of characters and spaces in your ad:

• $25 for 1-250

• $35 for 251-500.

• $50 for 501-750 (maximum length).

The website will calculate this for you.

Note: Maryland contractors must provide a valid MHIC number. Each real estate listing qualifies as one ad.

All ads are subject to publisher's discretion. Payment will be refunded if unacceptable for any reason.

To place your classified ad, visit www.thebeaconnewspapers.com/classifieds

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WE CAN FIX ANYTHING. 3 generations of builders, cabinet makers, remodelers and crafters completing kitchens, baths and additions got us to this point. If it’s broken, disassembled, ugly, out of date, needs replacement or renewal: please call Bob at R. W. Wood Improvements 410.294.2800, MHIC 92322. If it’s electronics or computers, we suggest you contact your grandchildren.

CIRCLE OF LIFE ESTATE PLANNING

WORKBOOK (188 pages) removes the stress and anxiety of Will and Trust preparation. All you need to do is to fill in the blanks that relate to you. When completed, you will have a complete inventory of your estate. Order by credit card to: Workbook, PO BOX 169, Kensington, MD 20895. All major credit cards accepted. (301)565-2917. Cost: $59.99 plus tax, s/h free.

APPLYING FOR SOCIAL SECURITY DISABILITY or Appealing a Denied Claim? Call Bill Gordon & Assoc. Our case managers simplify the process & work hard to help with your case. Call 1-866-970-0779 FREE Consultation. Local Attorneys Nationwide [Mail: 2420 N St NW, Washington DC. Office: Broward Co. FL (TX/NM Bar.)]

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ORGANIZE, DOWNSIZE, DECLUTTER & MOVE MANAGEMENT. Feeling overwhelmed by paperwork, clutter or the thought of moving? Ask For Help! Maryland Senior Concierge Services - call Christine 301.452.5730 or email ccallahan@mdseniorhelp.com. Asking for help is the first step to true Independence.

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PLEASE COMPLETE THIS READER SURVEY. YOU MAY WIN $500 CASH! *

To enter this random prize drawing, complete and return the survey below, Or complete the survey online at surveymonkey.com/r/NAMPAReaderSurvey

This publication is a member of NAMPA, the North American Mature Publishers Association. NAMPA is a nonprofit nationwide network of publishers whose mission is to bring excellence in information and marketing to the 50+ demographic. The answers compiled by this survey will help our publications understand where we can improve and serve our audiences and customers better. Please fill out this survey so we can understand your needs as a reader. By participating, you may win the $500 drawing.

1. In what ways do you read this publication?

(check off all that apply) ❒ In print ❒ On a computer

❒ On a smartphone or tablet

2. How long do you normally hold onto a print copy issue after you have read it? ❒ One or two weeks ❒ A month

❒ More than a month

❒ Don’t read in print

3. How many persons at your residence/business read an issue:

4. Does the cover page make you want to read the publication?

❒ Yes ❒ No

5. Is the amount of non-advertising content in the publication adequate?

❒ Yes ❒ No

6. How much of this publication do you typically read?

❒ All or most ❒ Some ❒ Little or none

7. How would you rate the articles and columns in this publication? ❒ Excellent ❒ Above Average ❒ Fair ❒ Poor

8. How would you rate the look and readability of the publication? ❒ Excellent ❒ Above Average ❒ Fair ❒ Poor

9. Have you ever responded in any way to an ad in the publication? ❒ Yes ❒ No

10. Have you selected/purchased a product or service from an advertiser? ❒ Yes ❒ No

11. How often do you visit the publication’s website?

❒ Regularly ❒ Occasionally ❒ Never

12. Are you planning to purchase a new or used car in the next 12 months? ❒ Yes ❒ No

Please submit only one survey per person. Email

13. Are you planning to move in the next 12 months? ❒ Yes ❒ No

If yes, which of the following are you considering (check all that apply) ❒ Similar or smaller home

❒ Larger home ❒ Independent living retirement community

❒ Assisted living community

❒ Life plan or continuing care community

❒ Adult child’s home

14. Are you planning to change health insurance plans in the next 12 months? ❒ Yes ❒ No

15. Are you planning to travel internationally in the next 12 months? ❒ Yes ❒ No

16. Are you planning to take a cruise in the next 12 months?

❒ Yes ❒ No

17. Are you planning to use a financial planner in the next 12 months? ❒ Yes ❒ No

18. Are you planning to make home improvements in the next 12 months? ❒ Yes ❒ No

19. Are you planning to secure legal services for will preparation and/or estate planning in the next 12 months? ❒ Yes ❒ No

20. Age: ❒ under 50 ❒ 50 to 64 ❒ 65 to 74 ❒ 75 to 84 ❒ 85+

21. Gender: ❒ Male ❒ Female ❒ Prefer not to say

22. Annual family income: ❒ under $40,000 ❒ $40,000-$100,000

❒ over $100,000 ❒ Prefer not to say

23 Approximate net worth: ❒ under $100,000

❒ $100,000-$499,000 ❒ $500,000-$1,000,000

❒ over $1,000,000 ❒ prefer not to say

24

. Please provide your residence Zip Code (even if you choose to remain anonymous):_____________