Issuu

TO YOUR PROGRAM GUIDE

2020

PRESENTED BY

Entertainment, Information, Speakers, Classes and more Accessible from your computer, laptop, tablet or smartphone from November 1, 2020 through January 31, 2021

beacon50expo.com Look Inside for Details

Staying on a healthy path isn’t easy. We’re with you. If you’ve had to put off health care recently, now is the time to get back on track. Holy Cross Health is taking extra health and safety precautions for all our patients, colleagues and visitors. Whether you’re using our virtual care services at home or ready to schedule a procedure, we’ll keep you safe every step of the way. Find the health care and wellness resources you need at HolyCrossHealth.org.

Something new and altogether different

2020

2020 2020

020

PRESENTED BY PRESENTED BY

PRES

PRESENTED BY

ED BY

Why did we send you this Guide? They say human beings are “social animals,” and that deprived of human contact, we wither away. But what are we to do in an age when social distancing can be a matter of life and death? Fortunately, we humans are also highly creative and resourceful, so there are many answers to that question: We hold FaceTime or Zoom conversations, virtual events, and small-scale, outdoor gatherings as best we can. If I were to ask you how much these substitutes feel like the real thing, what would you say? Would your answer be, “It’s the best we can do under the circumstances,” “It’s almost as good as it used to be,” or “Actually, in some ways it’s better than it used to be”? I know I’ve been in situations these last few months where I came away with each of these feelings. Certainly, attending a wedding, anniversary and other family celebrations via a computer screen, without all the hugs and kisses, personal conversations and shared experiences, can be

painful. It’s just not the same. Attending a networking event or business conference can have some of the same downsides, but also saves one the time, expense and aggravation of air travel, staying in hotels and living out of a suitcase. There’s more of a balance there. So, what’s an example of something that’s actually better virtually? I’m going out on a limb here, but I’m going to say that 50+Expos might be such a situation. The Beacon has hosted live Expos for our readers and their families for more than 20 years. For me, it almost feels like a family gathering now. There are so many familiar faces I get to see only once a year, and so many lovely conversations I get to have with our readers as well as our exhibitors and wonderful speakers. So, I certainly wouldn’t have asked for this year to be one where we couldn’t in good conscience hold an in-person expo event. See FROM THE PUBLISHER, page 4

From the publisher From page 3

But the more we at the Beacon thought about it, the more we realized there could really be some huge benefits to having an Expo virtually. First, there’s the time issue: An in-person Expo event takes place over a day; two at most. If you’re not available at that time, or aren’t feeling your best, you miss it. Our Virtual Expo lets you visit every class, speaker, performer and exhibitor whenever you want for a full three months! (And we are holding weekly door prizes for each week’s visitors, so you’re not missing out on that nice aspect of live Expos, either. Come back and enter as many weeks as you like.) Then, there’s the space issue. No matter how big the convention center (or tent), we’re going to have some trouble fitting in all the entertainment, speakers and classes we’d like to offer, while still leaving room for an exhibit hall of any significant size. With a web-based Expo, there’s nothing stopping us from providing all the interesting subjects and types of entertainment you could possibly want to enjoy. And if you’ve been accustomed to attending many different 50+Expos around the area, you’ll be glad to know we are partnering with both the Baltimore County Department of Aging and the Howard County Office on Aging & Independence, each of which have held their own popular 50+Expos for decades. Attend the 2020 Virtual 50+Expo, and you’ll find the best of all these events rolled into one. To enjoy our Expo, you need only an in-

ternet connection and a computer, laptop, tablet or smartphone. Come and go as you please, wearing whatever you like! Starting November 1 at noon, you can visit www.beacon50expo.com. You’ll find a very simple, user-friendly web page with four main choices: Classes, Speakers, Entertainers and Exhibitors. Click on any one of them and you’ll see a few categories to choose among to help you decide which video to view first. Altogether, there will be literally dozens of programs available to you to start and stop any time of day or night for a full three months. Okay, you might say, I can surf the internet for three centuries and not see everything there is to offer. What’s the point of that? The difference is, we have pulled together the information and material you have told us you most want to see. The hundreds of readers who answered our survey back in July gave us direction that we have done our best to follow. For samples of who our speakers and entertainers are and what classes and exhibitors will be available, look inside this Guide. Our hope is that we have done a good enough job to make it worth your while to come once, twice, maybe even many times to the Virtual 50+Expo site in the coming weeks and months. And please encourage your friends to visit our Expo at www.beacon50expo.com. We’re sure you’ll find many things to talk about with them after you’ve “been to” our Expo!

TABLE OF CONTENTS Sponsors................................................................................6 Speakers..............................................................................13 Classes.................................................................................17 Entertainment.................................................................. 23 How to Navigate the Website................................. 27 Important Phone Numbers...................................... 28 Exhibitors............................................................................ 32 Arts & Entertainment.......................................... 34 Financial & Legal Services............................... 37 Health & Wellness................................................41 Home Care/Rehab/Long-term Care.........51 Home Maintenance/Remodeling............... 59 Housing Communities.......................................60 Miscellaneous........................................................ 84 Nonprofit/Advocacy........................................... 86 Real Estate............................................................... 88 Senior Services...................................................... 89 Interesting articles........................................................ 93 5

THANK YOU TO OUR SPONSORS GOLD SPONSORS

SILVER SPONSORS

THANK YOU TO OUR SPONSORS BRONZE SPONSORS

Resident Stories Loving Life at Maplewood

Paul and Sally Schlein met on a blind date in 1963 at the Iron Gate Inn in Washington, D.C. A second date followed, at the Mayflower Hotel for dancing and dinner. “I’m not sure how I pulled that one off,” Paul says. “I was a resident physician making $160 a month.” A year later, they were married and living in Bethesda. In 2017, they sold the house where they’d lived for 44 years. Destination: Maplewood Park Place. “I had lots of reasons for wanting a change,” Sally says. “We knew people who’d grown old on their own, and they’d struggled. We’d been in good health, but we wanted the assurance of built-in care, should we need it.” The Schleins purchased a two-bedroom apartment with den, and completely renovated the space. “Unlike entry-fee communities, where you don’t own your home, here – as a resident/owner – you can renovate any way you like. You gain the value of home appreciation and your investment in improvements.” Paul and Sally are enthusiastic about recent updates at Maplewood, including the renovations of the main dining room, full-service bars, onsite fresh market, entertainment center, library, billiard room, boardroom, and onsite bank. “We were active before we moved into Maplewood, and we’re active now,” Sally says. “We’re fortunate to have lots of friends, and we’ve made even more at Maplewood.” 8

Enjoy the best of Bethesda in the best years of your life! Five-star dining, with a broad menu of freshly prepared meals artfully created by our award-winning Chef Francis Home ownership, an independent lifestyle, and a full continuum of care – all “under one roof” Close, congenial community of residents and staff Personal services, including professional driver and 24/7 concierge

Take a tour virtually or safely on-site. Choose one-, two-, or three-bedroom residences available.

9707 Old Georgetown Road | Bethesda, MD 20814

301-571-7441

MaplewoodParkPlace.com 9

Real Possibilities is a trademark of AARP.

DISCOVER REAL POSSIBILITIES AARP is creating real, meaningful change. We’re proud to help all our communities become the best they can be. Like providing family caregivers with tips to take care of loved ones, helping to make our communities more livable and hosting fun, virtual events all across the state. If you don’t think Real Possibilities when you think AARP, then you don’t know “AARP.” Get to know us at aarp.org

@AARP @AARP

SPEAKERS Here is a selection of the speakers available at

www.beacon50expo.com from

November 1, 2020 through January 31, 2021: KEYNOTE: Ken Dychtwald, PhD speaking about decades of research on aging and how to make the most of retirement Womenâ€™s Heart Health, Womenâ€™s Heart Specialist & Cardiologist Daisy Lazarous, M.D. Courtesy of Adventist HealthCare Adventist Medical Group The Latest Information on Low Vision Research Dr. Emily Chew, National Eye Institute of the National Institutes of Health, courtesy of Prevention of Blindness Society The Oldest Living Tuskegee Airman interview with Brig. Gen. Charles McGee, courtesy of Silver Spring Village Everything You Always Wanted to Know about the Cuban Missile Crisis from a CIA insider, courtesy of Silver Spring Village How to Create Harmony in Your Life interview with Serge Mazerand, composer, pianist and author of The 7 Keys to Serenity Continued on page 15 13

SPEAKERS PAGE 13 CONTINUED FROM

Designing Camelot a discussion with the co-authors of Designing Camelot: The Kennedy White House Restoration, courtesy of the White House Historical Association A, B, C and Dâ€™s of Medicare Sherry Kolbe, State Health Insurance Assistance Program Manager for Baltimore County, courtesy of Baltimore County Department of Aging Holistic Nutrition, with Divya Selvakumar, PhD Baltimore County Department of Health and Human Services, courtesy of Baltimore County Department of Aging Health and Wellness Tips from a Holy Cross Health Partners Geriatrician Developing Resilience courtesy of CIGNA Fall Prevention: Gear & Gadgets courtesy of Howard County Office on Aging & Independence Advance Directives & Care Planning, a panel discussion, courtesy AARP MD Caregiving During COVID-19 interview with Morgan Whitlach of D.C. Quality Trust, courtesy of AARP DC Powering Communities highlighting the services and programs offered to the community by Pepco

We’re here to help. We want to make sure you have what you need to keep powering on, so if you’re facing financial challenges, we have programs to help you now and for the future.

Giving you more time to pay. No up front payments. Connecting you with assistance options. Don’t wait. Contact us today.

Learn more at pepco.com/Help or call 202-833-7500

CLASSES Here is a selection of the classes available at

www.beacon50expo.com from

November 1, 2020 through January 31, 2021: Mindful Meditation Seminar (including guided meditation practice), courtesy of Brooke Grove Foundation Intergenerational Volunteer Activities You Can Do from Home (a panel including GrandInvolve, Age-Friendly DC, Link Generations, Experience Corp, Montgomery Connects and JCA Heyman Interages Center) courtesy of Empowering the Ages Go, Grow and Get Active (Video special featuring tai chi fit, laughter yoga, Zumba and more), courtesy Montgomery County Aging & Disabilities Avoiding Coronavirus Frauds and Scams, courtesy of AARP VA Cooking with Chef Francis an Embassy Chef Challenge, award-winner courtesy of Gold Sponsor, Maplewood Park Place Continued on page 21 17

Find your health partner at

Adventist Medical Group

We offer: 9 Top doctors 9 Compassionate care 9 Convenient locations 9 Safe in-person care and telehealth

Find a doctor

AdventistMedicalGroup.org 19

WHY METROPOLITAN SENIOR LIVING?

HOME IS WHERE YOU FEEL IT. If we ever had a doubt about whether this was the right place for us, we were over it before we’d finished unpacking. The sense of collective caring was overwhelming—and we’re not sure if it was our neighbors or the staff who made us feel more welcome. In a time when so many things have felt so uncertain, it is incredibly reassuring to know we’re in the care and company of people who have our best interest at heart. Learn more about available residences and our Grand Expansion opening summer 2021.

For a Virtual Tour: rolandparkplace.org To talk with us live: 667-226-0660 8 3 0 W E S T 4 0 T H S T R E E T I B A LT I M O R E , M A R Y L A N D 2 1 2 1 1 20

Pending final approval from Maryland Department of Aging

CLASSES

PAGE 17 CONTINUED FROM

Dance with Nancy lessons with Nancy Hays in Electric Slide and Achy Breaky line dancing, for exercise and fun, courtesy of DancewithNancy.com Playing Billiards a demonstration of techniques and shots, courtesy of Maplewood Park Place Zumba, Tai Chi and Core & Stretch classes courtesy of Baltimore County Department of Aging Senior Fit and Chair Exercise Demonstrations courtesy of Holy Cross Health Health and Wellness Tips provided by a Holy Cross Health Partners Geriatrician The Impact of Nutrition on Blood Pressure Control Reducing Stress and Anxiety Retirement Living and Assisted Care Options Senior Health Insurance Basics Arts & Crafts Ideas Courtesy of Howard County Office on Aging & Independence 21

WHEN IT COMES TO CORONAVIRUS, PROTECT YOUR HEALTH AND YOUR WALLET Coronavirus scams are spreading nearly as fast as the virus itself. Right now, fraudsters are using the full suite of scam tools — phishing emails and texts, robocalls, impostor schemes and more — and closely following the headlines, adapting their messages and tactics as new medical and economic concerns arise. The AARP Fraud Watch Network's team of fraud fighters offers real-world tips and tools to help protect you and your loved ones during this uncertain time and beyond. Visit aarp.org/FraudWatchNetwork to learn more, or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or for help if you have fallen victim.

Watchdog Alerts / Tips & Resources / Free for Everyone

 /aarpfraudwatchnetwork ; @aarpfraudwatch

T N E M IN A T R E T N E Here is a selection of the entertainment available at

www.beacon50expo.com from November 1, 2020 through January 31, 2021: Stand-up comedy Four over-50 comics do their thing, courtesy of Silver Spring Town Center SPARKLE program Alexandria Harmonizers Christmas Concert award-winning barbershop men’s chorus from Alexandria, Va., courtesy of the Harmonizers Maxim Lando, 19-year-old classical piano phenom protégé of Lang Lang, performs Kapustin’s Concert Etudes, courtesy of Candlelight Concerts Dance to music from a live ballroom orchestra courtesy of dancewithnancy.com

Continued on page 25 23

ENERGIZED TO MAKE A DIFFERENCE Whether we’re providing essential resources or volunteering our time, supporting the communities we serve is a vital part of our everyday work. We proudly support the Beacon Newspaper’s 50+Expo and those who are coming together to bring energetic, innovative programming to the Greater Washington, D.C. area with this great event.

pepco.com

MENT RTAFRIN ENTNE E 23 TINUED OM PAG CO

Rearview Mirror Duo Iris Hirsch and Glenn Bullion perform a blend of rock and roll, R&B, pop, country, standards from the Great American Songbook, disco, and Motown from the 50s, 60s, 70s Shades of Gray rock and roll band, performing memorable songs, courtesy of Ken Hunter Music by Black American women composers performed by the Chin Family Quartet and Victoria Bragin, courtesy of the Friday Morning Music Club French, Latin and American Jazz recital by Steve Baddour, courtesy of the Louise P. Zanar Fund Beethoven Sonata No. 10 in G major, for violin and piano Lisa Weiss and Yeou-Cheng Ma (sister of Yo Yo Ma), courtesy of Lisa Weiss 25

How to navigate www.beacon50expo.com Click to Register for Weekly Door Prizes

Click to choose Entertainment

Click to choose Exhibitors

Click to choose Classes

Click to choose Speakers 27

BOARD OF ELECTIONS 410-313-5820

BULK ITEM PICK-UP 410-313-2780

COUNTY COUNCIL 410-313-2001

DISTRICT COURT 410-480-w7700

COUNTY EXECUTIVE 410-313-2001

CIRCUIT COURT 410-313-2111

OFFICE ON AGING AND INDEPENDENCE 410-313-1234

DOMESTIC VIOLENCE HOTLINE 410-997-2272

HEALTH DEPARTMENT 410-313-6300

ELDER CARE LOCATOR 800-677-1116

OFFICE OF EMERGENCY

WATER/SEWER EMERGENCY 410-313-4900

MANAGEMENT 410-313-6000 GOVERNMENT AND PUBLIC INFORMATION OFFICE 410-313-2022 POLICE • Non-Emergency 410-313-2200 • Northern District 410-313-3200 • Southern District 410-313-3700 MOBILE CRISIS TEAM 410-531-6677 ADULT PROTECTIVE SERVICES 410-872-8823 ANIMAL CONTROL 410-313-2780 BGE EMERGENCY 877-778-7798

DOWNED TRAFFIC SIGNS & SIGNALS 410-313-7450 FLOODING OF COUNTY ROADS OR TREES ACROSS ROADS 410-313-7450 FEMA 800-621-3362

LANDFILL OPERATIONS trash collection, curb, bulk, and recycling 410-313-6444 WELL & SEPTIC PROGRAM (Private Wells) 410-313-1771

ADDITIONAL IMPORTANT NUMBERS FRAUD HOTLINE 855-303-9470 GOVERNORS’ OFFICE 410-974-3901 MD ATTORNEY GENERAL 410-576-6300

AMERICAN RED CROSS 866-438-4636

POISON CONTROL CENTER 800-222-1222

BGE TO REPORT POWER LOSS 877-778-2222

FEDERAL DO NOT CALL REGISTRY 888-382-1222

INSPECTIONS & PERMITS 410-313-2455

www.montgomerycountymd.gov Selected Phone Numbers for Montgomery County, Md.

JCA Senior Helpline...(240) 290-3311 Jewish Council for the Aging...................(301) 255-4200 Montgomery County Aging & Disability Services......(240) 777-3000 Montgomery County Area Agency on Aging........(240) 777-3000 Montgomery County Board of Elections................(240) 777-8683 Montgomery County Cancer Crusade.....................(240) 777-1222 Montgomery County Escorted Transportation & Connect-a-Ride..........(301) 738-3252 Montgomery County Dept. of Environmental Protection..................(240) 777-7711 Montgomery County Dept. of Health and Human Services.....................(240) 777-0311 Montgomery County Dept. of Transportation.......(240) 777-7170 Montgomery County Emergency Management/Homeland Security......................(240) 777-0311

Montgomery County Fire and Rescue Service/ Senior Outreach........(240) 777-2430 Montgomery County Long-Term Care Ombudsman...............(240) 777-3369 Montgomery County Office of Consumer Protection...(240) 777-3636 Montgomery County Police Keeping Seniors Safe..............(301) 279-8000 Montgomery County Public Libraries.....................(240) 777-0001 Montgomery County Recreation Department...............(240) 777-4925 Montgomery County Senior Nutrition Program......(240) 777-3810 Montgomery County State's Attorney's Office........(240) 777-7300 Montgomery County Stroke Association................(301) 681-6272 Montgomery County Volunteer Center/RSVP.............(240) 777-2600 Montgomery County Commission on Aging.....................(240) 777-1120 Senior Connection (transportation).........(301) 962-0820 29

WHY METROPOLITAN SENIOR LIVING?

I AM WHERE I LOVE TO BE. When I found my place in the city, I found my place in the world. At Roland Park Place, I have the freedom to explore and engage with fascinating people, and the confidence that comes with knowing my safety and wellbeing are never in doubt. Learn more about available residences and our Grand Expansion opening summer 2021.

For a Virtual Tour: rolandparkplace.org To talk with us live: 667-226-0660 8 3 0 W E S T 4 0 T H S T R E E T I B A LT I M O R E , M A R Y L A N D 2 1 2 1 1 30

Pending final approval from Maryland Department of Aging

THANK YOU TO OUR COMMUNITY PARTNERS 40 Plus of Greater Washington AAA Atrium Classic Assisted Living AARP DC, MD, VA At Home Care, Inc. Benjamin Gaither Center City of Fairfax Senior Center City of Rockville Senior Center Compassion & Choices-National Capital Area Complete Care Solutions, LLC Conflict Resolution Center of Montgomery Day Eight EveryMind Foggy Bottom West End Village Friends House Retirement Community Griswold Home Care Inderjeet Jumani and Mike Lekas of Long & Foster Jewish Council for the Aging Maplewood Park Place Metro Maryland Ostomy Assocation, Inc. Montgomery County Aging & Disabilities Montgomery County Stroke Association Montgomery County Volunteer Center Montogmery County MD LTC Ombudsman Program Mount Vernon at Home Office of Consumer Protection Options for Senior America Peak Remodeling Seabury Resources for Aging Ward 5 Sommerset Retirement to Community Well Spouse Association 31

'Ğƚ Ă ŝŐŝƚĂů >ŝďƌĂƌǇ ĂƌĚ ĨŽƌ /ŵŵĞĚŝĂƚĞ hƐĞ͊ The Digital Library Card may be used 24/7 to access most online services including downloading e-books and audiobooks; movies and TV series; music; research databases, learning tools; and much more. D W> ŽīĞƌƐ Ϯϰͬϳ ĂĐĐĞƐƐ ƚŽ ůĞĂƌŶŝŶŐ Θ ĞŶƚĞƌƚĂŝŶŵĞŶƚ͊ ůů ŽŶůŝŶĞ ĂŶĚ ĨƌĞĞ͊ • Overdrive & Hoopla—ebooks and e-audiobooks • Kanopy, IndieFlix & Acorn TV—ĮůŵƐ͕ ŵŽǀŝĞƐ ǀŝĚĞŽƐ • DĂŶŐŽ >ĂŶŐƵĂŐĞƐ Θ ZŽƐĞƩĂ ^ƚŽŶĞ—language courses • ƌĞĂƟǀĞ ƵŐ—ĂƌƚƐ Θ ĐƌĂŌƐ ǀŝĚĞŽ ĐůĂƐƐĞƐ • Gale Courses, Lynda.com, and Udemy— high quality courses • &ůŝƉƐƚĞƌ—e-magazines

dŽ ŐĞƚ ǇŽƵƌ ŝŐŝƚĂů >ŝďƌĂƌǇ ĂƌĚ͕ ǀŝƐŝƚ ǁǁǁ͘D W>͘ůŝŶŬͬ ŝŐŝƚĂů ĂƌĚ͘

Columbia Pro Cantare 2020-2021 Season

Join us December 6 • 3 PM for a Free Virtual Concert

Selections from past Messiah concerts with photos & interviews! Your support is needed – contributions can be made through our website.

December 12, 2020 • 4 PM

”A Christmas Noël” with CPC Chamber Singers Streamed and may be Live

March 7, 2021 • 4 PM “In Nature’s Realm”

First Evangelical Lutheran Church • Ellicott City. Streamed and Live

May 1 2021 • 8 PM “American Voices”

Jim Rouse Theatre, Columbia. Streamed and Live

Visit www.procantare.org for more information 34

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Cash at Settlement Monthly Income Escrow Set Aside to pay Real Estate Taxes and Homeownerâ€™s Insurance Line of Credit where the available balance actually grows Contact Frank Neubauer at 410-707-4577 or frank@fdmhome.com Visit his website: fneubauer.myloanoî€€cer.us

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Fidelity Direct Mortgage, LLC is a licensed mortgage lender. NMLS ID: 188829. All first mortgage products are provided by Fidelity Direct Mortgage, LLC. (866) 527-8052. Fidelity Direct Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify.

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WE’RE KEEPING YOU SAFE WITH: • • • •

Physical distancing Mandatory masks High-impact cleanings Protective barriers

Our commitment never changes:

TO DELIVER THE CARE WE WOULD WANT FOR OUR OWN LOVED ONES.

Dr. Maribel M. Vann FAIRFAX, VIRGINIA

â€œThe mouth is the window to our overall health. Our goal is to support individuals who attach great importance to that,â€? says Dr. Maribel Vann. The patient-centered dental and overall wellness integrated practice offers testing for optimal health and prevention of chronic disease. Dr. Vann has been practicing in Northern Virginia since 1988. She has been named a Top Dentist by Washingtonian, Virginia Living, Health & Beauty and Northern Virginia magazines, as well as Best Dentist by the Consumerâ€™s Research Council of America. In addition to general dentistry, Dr. Vann provides treatment for TMJ disorder, sleep apnea and tongue-tie release. 46

Prevention âˆ™ Protection âˆ™ Renewal

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Put Health on Your List

SCHEDULE IN-PERSON OR VIRTUAL VISITS FOR ALL YOUR HEALTH CARE NEEDS

Weâ€™ve all adapted to a new way of living. But you can keep your health care on schedule with Johns Hopkins Medicine, where your health and safety are our highest priorities. We stand ready to care for you through virtual or in-person visits across Maryland and the Greater Washington region. Your health, our experts, safely caring for you.

Your health is important. Schedule your care now. Learn more at hopkinsmedicine.org/safe

For those who dare to keep learning...

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(410) 516-9719

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Her vitality is important to me. As the nation’s largest provider of specialists in senior living, memory support and rehabilitation, it’s our focus to make sure every day is one of dignity and vitality.

OUR COMMITMENT TO PATIENT AND RESIDENT SAFETY Each new patient is admitted to a dedicated Admission Observation Unit for a 14 day stay and receive temperature checks and are tested for COVID-19 at several intervals during their 14 day stay on the unit. Dedicated staff members are trained in the use of Personal Protective Equipment (PPE) and proactive clinical infection control guidelines. All staff are screened for temperature and other symptoms every shift, work only if they pass this clinical screening process, and are tested for COVID-19 on a regular basis. In fact, we have gone above and beyond state and federal requirements to test our residents and staff members frequently, as it is the best way to protect our residents from the virus. All affiliated Genesis locations have an Infection Control Specialist focused on procedures and staff education. This focus has resulted in 95% of surveys completed in our affiliated centers achieving a “zero deficiency rating” on infection control surveys conducted by state and federal officials during the pandemic. We use a “high touch” cleaning checklist to ensure our patients’ and residents’ safety. This includes sanitizing equipment, patient/resident rooms and common areas regularly. To find a Genesis center near you: 866-745-2273 | genesishcc.com

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301-263-5923

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Our home care services are designed to address specific challenges of living at home with a debilitating condition, an injury, or a disability.

Meal Preparation Medication Reminders Accompany to Doctor Visits Grocery Shopping and Errands Socialization and Activities Light Housekeeping Assistance with Daily Living Activities Mobility Assistance Alzheimer’s and Dementia Care Encouraging Engagements

www.HomeHeartsHomeCare.com

MARYLAND STRONG Progressive Rehabilitation Services in Your Backyardâ€¦ Now Serving You in 4 Locations

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To find a center near you, visit MHSLP.com

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To learn more, call (301) 774-7501 Or visit wintergrowthinc.org

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W H AT D O E S

Your Resort Life LOOK LIKE? Discover Your 55+ Active Lifestyle in MD, VA or DE

Whether you want to stay local in Maryland or Virginia — or get closer to the beach (and tax-free shopping) in Delaware — Brookfield Residential has a community for you, designed for big fun and easy main-level living.

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How to find and hire a reliable handyman By: Jim Miller Dear Savvy Senior: What’s the best way to find a good handyman or tradesman to do some work around the house? I’ve had some bad luck lately with unprofessional workers who do shoddy work and charge too much. — Frustrated Senior Dear Frustrated: Hiring a good home repair handyman can be a bit of a crapshoot. How do you find someone who will return your calls, show up on time, do the job right, and finish it, all at a fair price? Here are some tips that can help.

Who to call

While it may seem obvious, who you call on for help will depend on what you need done. If, for example, you have a small home repair or improvement project that doesn’t require a lot of technical expertise, a handyman may be all you need. But if you have a job that involves electricity, plumbing, or heating or cooling systems, you’re better off going with a licensed tradesman. Bigger jobs like home renovations or remodeling may require a general contractor. Whatever type of work you need, the best way to find it is through referrals from people you trust. If your friends or family don’t have any recommendations, turn to professionals in the field, such as local hardware or home improvement stores, or real estate agents. In this area, the publication Washington Consumers’ Checkbook, www.checkbook. org/washington-area, offers consumer-generated reviews on myriad local services. The Internet can also help. If you are a

member of a neighborhood online list serve, you can also get recommendations there. Websites like www.HomeAdvisor.com can put you in touch with prescreened, customer-rated service professionals in your area for free. Or try www.AngiesList.com, a membership service that will connect you with contractors and service companies with various types of expertise. Sites like these provide ratings and reviews of local professionals who’ve done work for other members in your area, plus details about the type of work they’ve done, prices, professionalism and timeliness. Angie’s List offers an upgraded silver or gold membership for $25 or $100 per year, respectively, which offer discounts, a magazine, complaint resolutions and more. Another option for finding handyman services is through a local or national service company like www.MrHandyman. com, www.HouseDoctors.com, or www. HandymanConnection.com. You’ll probably pay more going through a company than you would with an independent handyman, but service companies typically promise professional workers who are screened, licensed, bonded and insured. To find local handyman services in your community, check your yellow pages or go to any Internet search engine and type in “handyman” plus your city and state.

Vet candidates, get estimates

Once you’ve located a few candidates, your next step is to get written estimates that list the materials, costs and details of the project. It’s a good idea to get at least See HANDYMAN, page 86

Protect yourself from fraud by a fiduciary By: Timothy Barrett One in 20 older adults is a victim of financial mistreatment, according to the National Adult Protective Services Association. Most fail to report their victimization, fearing a loss of independence. In part, that’s because the most common perpetrators of financial abuse are family members, unscrupulous caregivers and professional advisers, such as lawyers, accountants and financial advisers. Advocacy groups use the term “endangered person” to refer to anyone who is a target of abuse due to a cognitive or physical impairment or other susceptibility. Third-party scammers, unscrupulous vendors or service providers commonly prey on the endangered, but let’s focus on another group that sometimes takes advantage of endangered persons despite legally owing them a heightened duty of care: fiduciaries.

Who are fiduciaries?

A fiduciary is someone who has agreed to manage the affairs of another person with

Handyman From page 85

three estimates from different sources to be sure you’re getting a fair deal. Before hiring someone, check out his or her work history with your state consumer protection agency (go to usa.gov/state-consumer for a list) and the Better Business Bureau (bbb.org/council). You can also search the Web using the company or individual’s name and such words as “reviews” and “complaints.” You also need to find out if your candidates have an approved contractor or

a duty to act always in the endangered person’s best interests, avoid conflicts of interest and self-dealing, and not exceed their authority. The most common fiduciaries are: • Guardians (appointed by a disability court); • Attorneys in fact, also known as agents (appointed under a power of attorney); • Relatives serving as trustee (appointed by the trust settlor); and • Professionals, such as trustees, attorneys, accountants and investment advisers (selected by the endangered person or a family member). Sadly, there isn’t much official oversight to identify and stop an abusive person acting in one of these roles. Guardians are usually monitored by a court that reviews annual reports. Agents have no court or regulatory oversight. Individual trustees usually have only the trust agreeSee FRAUD, page 87 tradesman license. Using an unlicensed worker in a state that requires a license is dangerous — you’ll have little legal recourse if the job goes bad. Virginia, Maryland and the District of Columbia all require licenses for various types of work. (To find out which jobs need licenses in your state, visit www.contractors-license. org.) Contractorcheck.com is another good resource for researching local contractors. Also, ask to see their proof of insurance, which covers any damages they may cause while working on your home, and ask for several references from past jobs — and check them.

Fraud

From page 86 ment requirement to provide an annual accounting — usually statement summaries. Professional trustees, attorneys, accountants and investment advisers are subject to rules, regulations, an internal audit and an independent disciplinary tribunal/ agency that may audit them and acts on registered complaints. And yet, despite these measures, malfeasance still occurs with regularity. It is usually discovered well after the fact, and often results in great loss, with little or no recoverable funds. Of course, the services these fiduciaries provide are all necessary and highly beneficial. And the vast majority of fiduciaries take great pains to act always in the endangered person’s best interests. However, when a fiduciary abuses those powers, early detection is essential.

How fiduciaries defraud

Common abuses include: • Writing checks from their account or cashing their pension or Social Security checks for the fiduciary’s own benefit; • Pressuring them to make gifts or personal loans to the fiduciary; • Taking out loans and reverse mortgages to transfer home equity to the fiduciary; • Purchasing long-term annuities for them that mature well after their life expectancy, leaving the remainder to the fiduciary; • Investing their funds in pyramid schemes and investments that pay the fiduciary commissions and bonuses; • Using their credit cards for the fiduciary’s own expenses; • Selling or taking their personal possessons, such as autos, jewelry, etc. • Inducing them to change their wills to better favor the fiduciary.

Signs to look for

Educate yourself and your family on the warning signs of financial abuse. Watch for these common signs, and be prepared to intervene if the endangered person: • Is purchasing numerous, repetitive or unnecessary costly home improvements, landscaping and repairs; • Has their utilities, services or coverages suspended for lack of payment; • Is isolated by a person who exerts a high degree of control over their finances, purchases and/or caregiving; or • Suddenly complains of having little or no money, of running out of medications, of a lack of suitable clothing, of losing valuable personal items, or that someone keeps asking for funds or personal items.

How to protect yourself

Here are some tips for anyone who is at risk to help stop or discover financial abuse: • Enlist several members of your family, siblings and children, to monitor your fiduciaries. Don’t rely on just one relative as gatekeeper for your finances. You may need to sign releases so they can access the fiduciary’s records and receive periodic statements. Have them meet monthly to review your finances as a checks-and-balances measure. • Make sure all your estate planning documents are in order. Execute an advanced healthcare directive and a durable power of attorney for financial affairs. Authorize more than one relative to serve, and have them present when you discuss your plans with your attorney and accountant. • Engage more than one trustworthy person to assist you with day-to-day bill paying, receive and review your account statements, monitor bank acSee FRAUD, page 88

Smart ways to choose a financial planner By: Jim Miller Dear Savvy Senior, Can you recommend some tips on finding and choosing a good financial planner? My wife and I are both in our late 50s and would like to get some professional advice to help us better prepare for our retirement years. — Seeking Advice Dear Seeking, With all the different financial planners, advisers and services available today, finding and choosing a trusted professional that can help you meet your financial goals can be confusing. Here are a few suggestions to consider:

Where to look

A good place to start your search is by asking friends or relatives for recommendations. If you don’t know anyone who can give you a referral, and you’re looking for broad-based financial advice, hire a Certified Financial Planner, or CFP. Advisers with this designation are con-

Fraud

From page 87 counts and credit requests. Introduce them to your financial advisers and investors, and sign releases so they can review your investments. • Have one of these trustworthy persons help you hire and monitor caregivers, lawn care and housekeeping services, and never hire a home improvement or maintenance contractor without their input. Invite these trustworthy persons to make unannounced visits, keep communication open and ensure against your isolation. • Volunteer to do the same for your

sidered the “gold standard” in the industry. CFPs must act as fiduciaries, putting their clients’ best interests above their own. [However, see “Protect yourself from fraud by a fiduciary” on page 86.] To get the CFP credential, they must have a college degree and be educated in a wide range of personal finance subjects, pass a rigorous certification exam, have three years professional experience, meet continuing-education requirements and abide by a code of ethics. You’re also probably better off hiring a CFP that’s a fee-only planner, verses one who earns a commission by selling you financial products. Fee-only planners charge only for their services — for example, you might pay $150 to $350 an hour for a financial tune-up, a flat fee per project, or fee based on a percentage of your assets. To find a fee-only planner in your area, use See FINANCIAL PLANNER, page 89 friends, siblings and parents. It’s a shame to think that you have to protect yourself from those who are supposed to care for you the most, or from supposedly trustworthy professionals. However, we know that darkness often obscures hidden dangers, so isolation and secrecy provide the cover for fiduciary financial abuse. Timothy Barrett is trust counsel and senior vice president at Argent Trust Company. This article presents his views, not those of Kiplinger editorial staff. Check adviser records with the SEC or FINRA. © The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Questions to ask before investing money By: T. Eric Reich Many people who ask me about investments or setting up an appointment often preface it by saying, “I’m sorry, this is probably a stupid question, but…” Most people are afraid to ask questions about their investments for fear of sounding ignorant or admitting in some way that they don’t have all of their “stuff together.” But there truly are no stupid questions when it comes to investments. Every question leads to more knowledge, and that’s a good thing.

Here are some questions you should always ask before investing your money: First, let’s start with questions about the investment itself: Is this product registered with the SEC or my state agency? Does this investment match my investment goals? Why do you feel it is suitable for me? How does this investment make money? Dividends? Interest? Capital gains?

Financial Planner

To research the different certifications or designations, visit FINRA.org/investors.

the National Association of Personal Financial Advisors (NAPFA.org), which carefully vets all members. Or see the Garrett Planning Network (GarrettPlanningNetwork.com), a network of fee-only advisers. Or the Alliance of Comprehensive Planners (ACplanners.org), a community of fee-only advisors that charge annual retainers. If your needs are more specific, consider a Registered Investment Adviser (RIA) who is registered with the Securities and Exchange Commission or a state securities regulator to manage investment portfolios; a Chartered Financial Consultant (ChFC), who specializes in insurance and estate planning; and a Certified Public Accountant (CPA), who can help with tax planning. Be leery of many other financial advising titles, designations and certifications that are out there, like the Certified Financial Consultant (CFC) or the Wealth Management Specialist (WMS). Many of these require no more than a few courses at a seminar or online, which means they’re not worth much.

How to choose

From page 83

See INVESTING MONEY, page 90

After you find a few candidates in your area, call them up and schedule an appointment to meet and interview them. Find out about their experience, expertise and the types of services they provide; if they’re a fiduciary; how they charge and how much; what is their investment philosophy; and how will they handle your ongoing questions or financial needs. Look for someone whose clients are in situations similar to yours and who is available as often as you need them. It’s also wise to do a background check on your potential adviser. At LetsMakeaPlan. org, you can verify a planner’s certification as a CFP. To vet a registered investment adviser, go to Investor.gov, where you can search an individual’s name. To check out a broker, visit brokercheck. finra.org to search an individual or firm’s name and to get details such as years of experience, licensing, exams passed and regulatory actions.

Investing money From page 89

What are the total fees to purchase it? Not just commissions but any underlying fees as well. Is this investment liquid? Are there any fees associated with accessing my money? Can you tell me about the management team? Many companies tout past performance, but that may have come from a team that isn’t there anymore. What is a reasonable return to expect for this investment? How has it performed over the long run? Many managers who highlight performance do so after a great year. If you are a long-term investor, that might not be meaningful to you. What are the risks associated with this investment? What would cause it to lose money? Next is a list of questions you should ask about the adviser: How long have you been in business? What education or credentialing do you have? The credentials should match the advice you’re looking for. For example, if you need planning advice, the advisor should be a Certified Financial Planner professional. If you want investment advice, then they should hold designations such as Certified Investment Management Analyst® (CIMA®),

or Chartered Financial Analyst (CFA®). What is your investment philosophy? How do you get paid? Do you get paid more if I buy this vs. that? How often should we meet to discuss my investments? If I leave your firm, what fees will I be charged, if any? Most custodians charge a fee for outgoing transfers and/or closed accounts. These questions are not inclusive, and you may have more depending on your situation. Ask a question more than once if you don’t understand the answer the first time — or ask your adviser to rephrase the answer. Understanding your investments and doing your due diligence on the adviser you’re working with is similar to researching a physician and understanding your prescribed medications. You wouldn’t leave your health to chance, and the same type of care should be taken with your money. T. Eric Reich, CIMA®, CFP®, CLU®, ChFC®, is president and founder of Reich Asset Management, LLC. This article was written by and presents the views of the author, not Kiplinger editorial staff. Check adviser records with the SEC or FINRA. © The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

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SPIRE

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New Chapters. Every Day. Youâ€™ve created a life with endless possibilities. Now youâ€™re looking for the perfect place to write the next chapter. Aspire is the new resortstyle retirement living community coming to the Belmont Bay area in early 2021 and is built on two ideas you cherish: the choice of exactly which luxuries and amenities will make life more enjoyable for you and the control to pay for what you want. Be one of the first to explore our new community on December 12th or 15th. Call (571) 336-0164 or visit AspireAtBelmontBay.com/rsvp today. RSVP required and limited number of guests per hour. 13875 Clear Lake Circle, Woodbridge, VA 22191

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