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VOL.13, NO.9




More than 125,000 readers throughout Greater Baltimore

Cop now writes crime books

I N S I D E …

L E I S U R E & T R AV E L

A look at three world-class resorts beckoning from nearby states — Virginia, West Virginia and Pennsylvania

True crime However, he quickly dropped his original plans and turned attention to writing what would eventually become his first published book — Cop Stories: The Few, The Proud, The Ugly — 38 short, true stories about his 25 years in law enforcement. The short stories range from investigating murders to arresting prostitutes, fighting corruption, responding to the civil rights riots of 1968, and even arresting his childhood baseball hero, Mickey Mantle, for public intoxication. The shift from police work to writing about it for publication doesn’t take as great an adjustment as you might think, according to Ellwood. “I have always enjoyed writing,” he said. “In the police department, you are always writing. I worked in the Homicide Unit for 11 of my 25 years. In that unit, you did a lot of writing when preparing your case for the prosecutor.” While the actual writing may be Ellwood’s talent, getting published was not an easy task initially. “Back when I started my first book, I did not know anything about the publishing process,” he recalled of his introduction to self-publication. “I was fortunate to know someone who had written a book, and got some good tips from him,” he said. “At first it was a challenge to work with the publisher,” he continued. “They handle many authors, and sometime do not have the time to guide you through the process.” However, Ellwood quickly learned how, and has since published three additional titles.



By Jennifer L. Waldera After serving four years as a Marine, 25 years as a Baltimore City police officer, and 18 years as manager of an insurance fraud unit, Dick Ellwood took to retirement armed not with golf clubs or travel plans, but with pen and paper. Originally intending to tell the story of the four generations of his family in the police department — his grandfather, father and son have also served on the force — Ellwood began to pen his first book shortly after retiring, when he found he finally had time to pursue his passion for writing.

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Former police officer Dick Ellwood turned to writing in retirement, and has written about his personal experiences in law enforcement as well as crime novels and even a children’s book. The Timonium resident is proud to be among four generations of police officers in his family.

Novels look at police ethics His second and fourth books, Charm City’s Blue Justice and The Dark Side of Blue, are both crime thrillers. Each explores tough concepts of ethics and relationships within police departments. Charm City’s Blue Justice tells the fictional tale of a Baltimore police officer compelled to reduce the crime level in the community, but doing so outside the realm of his job — and of the law — while his partner and department race to stop his attempts at inflicting street justice. Ellwood’s most recent novel, The Dark Side of Blue, details the creation of a prison system intended to house law enforcement officers-turned-corrupt criminals, featuring a fight with the U.S. Justice Depart-

ment at the forefront. The media and the mafia are also major players in that novel, which features a complex series of crimes that involve a wide range of corruption across departments and organizations. Ellwood’s third book, inspired by the pleadings and persuasion of his eight grandchildren, is a departure from his other works. The Secret Zoo is a colorful children’s book that explores the after-hours adventures of curious children in a zoo. With four titles now under his belt, Ellwood has become more comfortable with the publishing process. “I am now well aware of what is needed to publish and See CRIME WRITER, page 29


Vagabond Players celebrate 100 years; plus, take your pick of dozens of continuing education classes this fall page 26 TECHNOLOGY k How to stop phone hackers


FITNESS & HEALTH 6 k Risks from taking multiple meds k Treating a pain in the neck LAW & MONEY 18 k Make retirement money last k Snag the best shopping deals ADVERTISER DIRECTORY





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Not to be missed Who will be the lucky winner of a 10-day vacation for two to China? One lucky attendee at the 2016 Beacon 50+Expos, that’s who! For the 17th year in a row, the Beacon Newspapers expects to attract thousands of area residents to its two free 50+Expos — annual events featuring great speakers, health screenings, informative resources, technology education, and entertainment geared to older adults and their families. This year’s events will take place at two locations this fall: on Sunday, Sept. 11, from noon to 4 p.m., at the Silver Spring Civic Center in downtown Silver Spring, Md., and on Sunday, Sept. 25, from noon to 4 p.m., at Springfield Town Center in Springfield, Va. The keynote speaker at both locations will be Lt. Joe Kenda, star of “Homicide

Hunter” — the #1 TV show on the Investigation Discovery channel, now starting its 6th season. Kenda is a retired homicide detective who will share highlights from the cases he investigated and solved, as well as how he made two career changes after he retired from the force. He will also offer personal safety tips. In addition to Kenda’s talk, there will be a “tech café” at the Silver Spring location, with free technology mentoring by trained high school students. Attendees are invited to bring their fully-charged cell phones, laptops and/or tablets to the event, and to sign up at registration for a free one-onone tutoring session. (Space is limited for this service. And remember to bring your device cords and passwords!) The expos will also feature free health screenings — including blood pressure,




Gale Legal Forms provides convenient means for generating your own “attorney forms” for simple legal agreements such as leases, wills and much more. These are officially approved, professionally written documents (and differ from the generic types of forms that can be found in “form books” or haphazardly on the Internet and which may not have been drafted by an attorney or which are not appropriate in Maryland courts). Visit www.bcpl.info to download valid forms.

Beacon The






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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., Greater Washington DC and Greater Palm Springs, Calif. 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 • Associate Publisher..............Judith K. Rosenthal • Vice President, Operations........Gordon Hasenei • Director of Sales ................................Alan Spiegel • Assistant Operations Manager ..........Roger King • Managing Editor............................Barbara Ruben • Contributing Editor ..........................Carol Sorgen • Art Director ........................................Kyle Gregory • Advertising Representatives ............Steve Levin, .................................................................... Paul Whipple • Editorial Assistant ........................Rebekah Sewell

The Beacon, P.O. Box 2227, Silver Spring, MD 20915 (410) 248-9101 • Email: info@thebeaconnewspapers.com Submissions: The Beacon welcomes reader contributions. Deadline for editorial is the 1st of the month preceding the month of publication. Deadline for ads is the 1st of the month preceding the month of publication. See page 31 for classified advertising details. Please mail or email all submissions. © Copyright 2016 The Beacon Newspapers, Inc.

bone density, balance, vascular and glauco- BlueCrossBlueShield, among others. For more information — or to exhibit, ma screenings — exercise demonstrations, and flu vaccines (regular and high-dose for sponsor or volunteer — call (410) 248-9101 or visit www.theBeaconNewsthose 65+), free with a papers.com/ 50-expos. Medicare card. If you are able to come, More than 100 exhibitors — please be sure to look for me including government agenand say hello! cies, nonprofits and local businesses — will offer information and answer questions about reMake a difference tirement communities, home Our hearts go out to those remodeling, financial planning, who were injured, killed, or legal matters, healthcare, travlost property in the devastating el, fitness, senior services and flood that recently swept down more. Giveaways and door FROM THE Main Street in Ellicott City. PUBLISHER prizes will be plentiful. Among many organizaThis year’s grand door By Stuart P. Rosenthal tions helping rebuild, we prize — a trip for two to would like to mention the China, including airfare to and within Howard County Community Relief Fund, China, luxury hotel accommodations, most which both disseminates funds to local meals, and an English-speaking tour guide nonprofit service providers, and helps in— is provided by Nexus Holidays. Every- dividuals who need assistance find approone who attends and registers at the events priate resources. will be entered into the drawing (one entry To make a tax-deductible donation, visit per person per event). www.cfhoco.org, or mail a check payable Entertainment at Silver Spring will be to the Community Foundation of Howard provided by Bruce Thomas, a charismatic County to them at 10630 Little Patuxent baritone singing your favorite songs (and Pkwy., Suite 315, Columbia, MD 21044. taking requests). In Springfield, entertain- Please write “community relief fund” on ment will be provided by the Cameo Club the memo line. You will receive an acof Ms. Senior Virginia winners, showcas- knowledgement you may use in seeking a ing their various talents. tax deduction. We are proud to offer our 50+Expos each fall as a community service. Major sponsors include CVS pharmacy, Comcast, Holy Cross Health, AARP, and CareFirst

Letters to the editor Readers are encouraged to share their opinion on any matter addressed in the Beacon as well as on political and social issues of the day. Mail your Letter to the Editor to The Beacon, P.O. Box 2227, Silver Spring, MD 20915, or e-mail to barbara@thebeaconnewspapers.com. Please include your name, address and telephone number for verification. Dear Editor: In your August 2016 issue, letters to the editor writer R. Kreutzberg quotes Ben Franklin thusly: “We’ve given you a federal government — if you can keep it.” I much prefer the following. It helps explain why we are not subjects of a monarch, as are our British friends across the pond. The deliberations of the Constitutional Convention of 1787 were held in strict secrecy. Consequently, anxious citizens gathered outside Independence Hall when the proceedings ended in order to learn what had been produced behind closed doors. The answer was provided immediately. A Mrs. Powell of Philadelphia asked Benjamin Franklin, “Well, Doctor, what have we got, a republic or a monarchy?” With no hesitation whatsoever, Franklin responded, “A republic, if you can keep it.” In my many talks [as a tour guide] on the Duchess of Windsor, I explain why this Baltimore woman was not acceptable to the Royals as queen upon her marriage to Edward VIII. I have found that many audi-

ences today need to have concepts presented with a contemporary flair, so Franklin’s response clears it up. In this case, we Americans don’t have a queen, we are not her subjects, we have no royalty. We may be fascinated by the television show, “Downton Abbey” and photos of Princess Kate’s new baby may sell magazines and newspapers, as did photos of Her Royal Highness Princess Diana. It was the question of Mrs. Powell of Philadelphia, who asked which way were we to be governed, which cleared it up. Zippy Larson Baltimore, Md. Dear Editor: Regarding your July “From the Publisher” column, “Nothing but the truth?” — I don’t know where you find the time to sit down and write such a concise and elegantly crafted treatise on telling the truth. But you did, and I enjoyed reading it. As a failed politician, I ran for public office three times and lost. I had issues with the truth. I was too truthful. Kevin VanGundy Via email


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Technology &

Innovations How to protect your phone from hackers By Bree Fowler Recent news about cyberhackers — including the apparent Russian government hack of the DNC’s email and the U.S. government hack of an iPhone used by the San Bernardino killer — serve as a reminder that phones and other electronic devices aren’t impenetrable vaults. While most people aren’t targets of the NSA, FBI or a foreign government, hackers are looking to steal the financial and personal information of ordinary people. Your phone stores more than just selfies. Your email account on the phone, for instance, is a gateway to resetting banking and other sensitive passwords. Like washing your hands and brushing your teeth, a little “cyber hygiene” can go a long way toward preventing disaster. Here is what you need to do:

Lock your phone with a passcode Failing to do so is like leaving your front door unlocked.

A four-digit passcode — and an accompanying self-destruct feature that might wipe a phone’s data after too many wrong guesses — stumped the FBI for weeks and forced them to bring in outside help to gain access to the San Bernadino shooter’s phone. Using six digits makes a passcode 100 times harder to guess than a four-digit code. And if you want to make it even harder, you can add letters and other characters to further increase the number of possible combinations. These are options on both iPhones and Android phones. The iPhone’s self-destruct feature is something you must turn on in the settings, under Touch ID & Passcode. Do so, and the phone wipes itself clean after 10 failed attempts. But keep in mind: the 10 attempts apply to your guesses, too, if you forget your passcode, or if your grandkids start randomly punching in numbers. Android has a similar feature. Both systems will also introduce waiting

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periods after several wrong guesses to make it tough to try all combos. With phones that utilize biometrics, such as fingerprint scanners, you can use those as a shortcut, making complex passcodes unnecessary.

Use encryption Much to the FBI’s displeasure, iPhones running at least iOS 8 offer full-disk encryption by default. That means that the information stored on the phone can’t be extracted — by authorities or by hackers — and read on another computer. If the phone isn’t unlocked first, any information obtained would be scrambled and unreadable. With Android, however, you typically have to turn full encryption on in the Settings menu. Google’s policy requires many phones with the latest version of Android, including its own Nexus phones, to offer encryption by default. But according to Google, only 2.3 percent of active Android devices currently are running that version.

Meanwhile, Activation Lock makes it harder for thieves to sell your device. The phone becomes unusable — it can’t be reactivated — without knowing its Apple ID. The feature kicks in automatically on phones running at least iOS 7. If all else fails, you can remotely erase your phone’s data. While your information in it will be lost, at least it won’t end up in the hands of a nefarious person. There isn’t anything comparable built into Android phones, but Google’s Android Device Manager app (along with a handful of others made by third parties) will do this, and can be downloaded for free from the Google Play app store.

Back up your phone If you do have to remotely wipe your phone’s data, it’s comforting to know that you won’t lose all your photos and other important data — assuming you regularly back up your phone to your home computer. It’s helpful, too, if a toddler dunks your phone in a glass of water or you drop it in the toilet.

Set up device finders Find My iPhone isn’t just for finding your phone in the couch cushions. If your device disappears, you can put it in Lost Mode. That locks your screen with a passcode, if it isn’t already, and lets you display a custom message with a phone number to help you get it back. The app comes with iPhones, but you need to set it up before you lose your phone. Look for the Find iPhone app in the Extras folder.

Keep software up to date Software updates often contain fixes to known flaws that might give hackers a way into your device. On iPhones, Apple prompts you to get the update. It’s more complicated with Android because updates need to go through various phone manufacturers and wireless carriers first. But do install updates when asked. — AP

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❏ Addicted to Pain Medication Study (see ad on page 16) ❏ Brain Imaging Memory Study (see ad on page 17) ❏ Balance Study (see ad on page 15) ❏ Breast Cancer Study (see article on page 15) ❏ Buprenorphine/Methadone Study (see ad on page 15) ❏ Iron Supplement Study (see ad on page 17) ❏ Memory Loss Drug Study (see ad on page 16)

I N F O R M AT I O N ★




Health Study Volunteers





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For free materials on housing communities and health studies, just complete and clip this coupon and mail or fax it to the Beacon.


Catching the travel bug


On BoomerCafe, you’ll find personal stories submitted by those in their 50s, 60s and 70s about such diverse topics as racism in their communities and fun travel adventures. But wait, there’s more: you’ll also find advice from a variety of experts on everything from how boomer home sellers can fix up their houses to make them more appealing to millennial buyers, to the healthy benefits of walking. www.boomercafe.com

The millions of holdings at the National Archives make delving into the nation’s repository of historical documents and photographs pretty daunting. To help people understand the breadth of the collection, the National Archives’ app, Today’s Document, features just one thing each day. For example, recently it was a photo of a clearing among trees taken in 1864, where Union General James B. McPherson was shot and killed during the Battle of Atlanta. The battle preceded a siege after which Atlanta would fall to the Union. App users can link to other Civil War photos. A website is also available with the same images and documents at http://www. archives.gov/historical-docs/todays-doc/. The app is available for iPhone and Android.



Virtual café for boomers

History, one document at a time


At the Instructables website, get instructions for making everything from furniture out of wooden pallets, to margaritas, to robots. Launched by MIT a decade ago, the site has grown from instructions for a couple hundred ideas to more than 100,000 projects — from crafts, to cooking, to costumes and much more. Site users can register and contribute their own instructions to the site as well. www.instructables.com


DIY projects galore

child, caregiver, neighbor or whomever you designate. Taking a vacation to a foreign country? Virtual Halo also enables you to let loved ones know you’ve arrived safely with the press of a button. Virtual Halo can be downloaded for free on iPhones to provide up to four SOS alerts and one emergency contact. The premium Virtual Halo Plus costs $3.99 per month and includes unlimited actions and emergency contacts. Not available for Android.



It’s a good safety precaution for those who live alone or travel often. It only monitors your location when you want it to, so you’re not constantly being monitored. The app provides a variety of modules and features, including an SOS button in the event of a serious emergency when Virtual Halo can automatically broadcast a distress call from your position. It also has a feature that checks in on you throughout the day, and if after a certain length of time you do not respond, it shares your last known location with a


By Barbara Ruben

travel adventure? Donna L. and Alan Hull share their recent trips, from Antarctica to the Alaska Highway, on their site, My Itchy Travel Feet. With a tag line of “The Baby Boomers’ Guide to Travel,” the 60-something couple write about, and share photos of, adventure and luxury travel for those who want to travel independently. http://myitchytravelfeet.com


Beacon Links & Apps


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Health Fitness &

NEXT TO NORMAL What to do when your blood work is on the edge of normal readings MORE THAN A NUMBER How you feel may be more important than a lab test to predict future illness FOODS AS SUNSCREEN? Strawberries, tomatoes, carrots and coffee help protect you from the sun TOMORROW’S DRUGS NOW Access investigational drugs through clinical trials and “compassionate” programs

Multiple medications can multiply risks Taking several types of medications can be challenging. But this is something you have to get right. If you don’t, you may have unwanted side effects, or you may not properly treat your chronic condition. “I see people who average 15 medications, and it’s very difficult for them to juggle that many pills,” said Joanne Doyle Petrongolo, a pharmacist at Harvard-affiliated Massachusetts General Hospital. Polypharmacy — defined as taking five or more medications (including prescription medications, over-the-counter products and herbal supplements) or taking more medications than medically necessary — comes with a number of risks.

Drug interactions and side-effects Chief among the risks are harmful drug interactions. “As the number of medications increases, the potential for drug interactions goes up, and there’s an increased potential for side effects that can lead to emergency room visits and hospitalizations. For example, if you take several blood pressure medications, you may develop low blood

pressure that could cause you to faint and be hospitalized,” said Petrongolo. Polypharmacy also makes it tough to tell if a particular drug is causing a side effect. For example, you may suspect that one of your medications is causing unsteadiness, fatigue or insomnia, but you’ll have to do some detective work to figure out which one is the culprit. Other risks include trouble taking your medications as prescribed, because the regimen may be too confusing to follow; unnecessary drug expenses; and avoidable hospitalizations. If you’re having side effects, Petrongolo urges you to contact your doctor’s office. And if you’re having a hard time managing your drug regimen, she suggests that you talk to your pharmacist. “Don’t wait until you are drowning in a sea of pills. [Pharmacists] can provide medication counseling and make recommendations to improve your regimen. For example, a pharmacist’s recommendation may enable you to take different or fewer medications,” she said. “You may be able to decrease your pill burden or save money.”

Use one pharmacy Petrongolo also suggests that you get all of your prescriptions filled at one pharmacy. “The pharmacist will be able to run a drug interaction check on your medications and will know if doctors are prescribing conflicting medications,” she said. Every time you have a new prescription filled, ask your pharmacist what the drug is used for, how and when to take it with other medications, and whether it will interact with other medications. Get to know the look of a pill, and talk to your pharmacist if a new batch looks different. To manage medications, start with an up-to-date list that includes what each medication is used for, the proper strength, and dosing instructions. That will be helpful if you forget, or if a family member helps you with your regimen. Use a pillbox with multiple compartments, perhaps labeled breakfast, lunch, dinner and bedtime. Many different types of pillboxes are available, from simple plastic boxes that you fill each week, up to high-tech electronic dispensers, complete with alarms

and reminders sent to your smartphone. Your pharmacy may also offer a handy dispensing method, known as bubble packing, which packages single doses of several medications in one plastic pack. If you’re tech-savvy, tablet and smartphone apps can remind you to take your medications and can even track your adherence. “One tool isn’t necessarily better than another. It’s best to assess the specific needs of the patient to choose the best medication management system [for them],” said Petrongolo.

Include supplements It’s crucial to tell your pharmacist or physician if you take over-the-counter drugs, vitamins or herbs. “They increase the overall pill burden, and some of these products may interact with prescription medications,” warns Petrongolo. For example, ginseng, ginger, ginkgo biloba and garlic can increase the potential of bleeding, especially if taken with the blood thinner warfarin (Coumadin). St. See MED RISK, page 7

Added sugar isn’t so sweet for your heart By Judy Thalheimer, R.D People who consume more added sugars have a higher risk of death from heart disease. Researchers used to think it was the calories in sugary foods that were the problem: sugar made us fat, and obesity raised our risk of heart disease. But a 2014 research review in the American Journal of Clinical Nutrition found that people who consumed more added sugars had more risk factors for cardiovascular disease no matter what size they were. Eating lots of sugary foods or drinking sugar-sweetened beverages has been linked to high triglyceride levels, high total and LDL (bad) cholesterol, high blood pressure and more.

Sugar and your liver The key to the link between sugar and heart disease may lie in the liver. While one common sugar molecule (glucose) goes into the bloodstream after digestion to be

used as fuel by our cells, another (fructose) goes to the liver to be processed. Unfortunately for those of us eating a typical Western diet (high in processed foods), the liver is designed to deal with the amount of fructose in an apple or a sweet potato — not the large amounts we dump on it in the form of colas, confections and coffee-bar drinks. Too much fructose can cause the liver to make fat, and a fatty liver can lead to increased triglyceride and cholesterol levels, inflammation, and maybe even higher blood pressure. In 2009 the American Heart Association, already wary of the association between sugar and heart disease, published recommendations that women limit their added sugar intake to no more than 6 teaspoons (25 grams) a day, and men to no more than 9 (38 grams). The average American currently consumes as much as 20 teaspoons of added sugars every day. About 50 percent of these sugars come from sweet drinks like

sodas, sports and energy drinks, iced teas, lemonades and fruit drinks. Another 25 percent is from treats like candy, ice cream and baked goodies. We’ve all heard that high fructose corn syrup (HFCS) is bad for us. But it might come as a surprise to find that regular table sugar (sucrose), honey and maple syrup have nearly the same amount of liver-damaging fructose as most formulations of HFCS. The only real outliers are regular corn syrup (which is 100 percent glucose) and agave nectar, which is close to 100 percent liver-clogging fructose. The trick, then, is not to switch sweeteners, but to stop eating so many sweetened foods.

Cutting back on sweets The best place to start when trying to cut added sugars is drinks. Try more water, milk, unsweetened tea and black coffee. Switching to diet drinks and artificial sweeteners is an option. But it seems like the more sweets we eat the more

sweets we want, so the switch to noncaloric sweeteners may not end up decreasing your overall sugar consumption. Since most processed foods have added sugars, be sure to check Nutrition Facts labels. Even though this number is a total of natural and added sugars, it is still a helpful guide. (Just divide the grams of sugar listed by 4 to get an approximate number of teaspoons.) The next trick is to rethink our relationship to sweets: Cookies, cakes and candy are supposed to be occasional treats, not everyday snacks and mealtime companions. Try swapping some out for a naturally sweet piece of fruit or a square of very dark chocolate. Just as it’s possible to get used to less salty foods, it’s possible to wean yourself off sugar. Your heart is waiting. Reprinted with permission from Environmental Nutrition, a monthly publication of Belvoir Media Group, LLC. 800-829-5384. www.EnvironmentalNutrition.com.) © 2016 Belvoir Media Group. Distributed By Tribune Content Agency, LLC.


Say you saw it in the Beacon | Fitness & Health


Relieving and preventing a pain in the neck Neck pain is a nagging ailment that affects nearly everyone at some time. In fact, approximately 80 percent of people experience neck pain during their lifetime, and 20 to 50 percent deal with it annually, according to Dr. Frank Pedlow, an orthopedic spine surgeon at Harvard-affiliated Massachusetts General Hospital. Besides the obvious problem of physical discomfort, neck pain can trigger headaches, and cause numbness, tingling or weakness in your arms. You may have trouble sleeping and difficulty turning your head, which can make driving dangerous. “Recurring episodes of chronic neck pain also can be associated with serious medical problems, including heart disease, rheumatoid arthritis or infection,” Pedlow said. If you suffer from constant neck pain, you should consult your doctor to see if it is related to a medical condition. But for

Med risk From page 6 John’s wort can interact with antidepressants like fluoxetine (Prozac), sertraline (Zoloft) and paroxetine (Paxil). Calcium supplements can interact with thyroid medications like levothyroxine (Synthroid) and decrease their effectiveness.

everyday pain that comes and goes, there are ways to keep your neck strong, healthy and pain-free. Your neck performs many functions. The neck muscles run from the base of the skull to the upper back, and work together to bend the head and assist in breathing. Neck movements are divided into four categories: rotation (moving the head from side to side), lateral flexion (brings the ear toward the shoulder), flexion (moves the chin toward the chest), and hyperextension (tilts the head back).

Treating common problems Most neck pain comes from muscle strains and tension caused by everyday situations; for instance, slouching, poor posture or sleeping with your neck twisted. The mainstays of conservative treatment are nonsteroidal anti-inflammatory drugs (NSAIDs), which offer short-term Ask a pharmacist about interactions before starting any new nonprescription drugs. And remember to either bring a list of your medications and supplements to your annual doctor appointment, or simply bring the actual pill bottles with you. © 2016. President and Fellows of Harvard College. All Rights Reserved. Distributed By Tribune Content Agency, LLC.

relief. However, first check with your doctor, as these can have side effects, such as nausea and dizziness, and may interfere with other medications. Besides this, Pedlow also suggests ice and heat therapy. “Ice after an acute injury like a strain helps control immediate pain, stiffness and inflammation,” he said. Apply an ice pack to the sore spot, 15 to 20 minutes at a time, several times a day, for the first 48 to 72 hours. If the pain lingers, switch to hot compresses or a heating pad,

or take a warm shower. Keeping the muscles strong and flexible by stretching the neck muscles can further help relieve soreness. Other possible treatments are acupuncture and the Alexander technique, according to a study published last year in the Annals of Internal Medicine. Acupuncture uses hair-thin needles to stimulate specific points on the body to trigSee NECK PAIN, page 8


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Neck pain From page 7 ger physiological processes that relieve pain. The Alexander technique teaches you how to avoid unnecessary muscular tension by improving posture and alignment. In the study, researchers recruited 517 patients who had suffered from neck pain

for an average of six years. They were randomly placed into groups: one group was offered up to 20 half-hour Alexander technique lessons; those in the second had up to a dozen 50-minute sessions of acupuncture. After a year, pain was reduced by 32 percent for the acupuncture patients and 31 percent for those who had Alexander lessons.


Simple steps for prevention One of the best treatments for neck pain, though, is prevention. Lifestyle factors like obesity and stress can raise your risk, so addressing those issues though a proper diet and regular exercise offers protection, said Pedlow. Here are some other strategies to follow: • When sitting for long periods, like at the computer or watching TV, avoid slouching or sitting with your head tilted forward. Sit straight, with your lower back supported by a pillow or lumbar support, feet flat on the floor, and shoulders relaxed. Stand every 20 minutes and stretch your neck muscles. • Adjust the computer monitor so the top is at eye level. Use a document holder that holds your work at the same level as the screen. • Position your driver seat to a more upright position that supports your head and lower back. Avoid having to reach for the

steering wheel. Your arms should be slightly flexed. • Cervical pillows may relieve neck stress by supporting your neck when you sit or sleep. Another option: fold a towel lengthwise into a four-inch-wide pad and wrap it around your neck. • When you read in bed, use a wedgeshaped pillow to support your back and keep your neck in a neutral position.

Neck exercises These daily stretches can also help prevent pain: Relax your shoulders and tilt your head toward one shoulder until you feel the stretch. Hold for 15 to 30 seconds. Repeat on the other side. Repeat two to four times in each direction. For an added stretch, use your hand to gently pull your head toward your shoulder. Turn your head slightly toward the left and tilt your head diagonally toward your chest and hold for 15 to 30 seconds. Repeat to the right side. Repeat two to four times in each direction. For an added stretch, use your hand to pull your head forward on the diagonal. Age raises your risk of neck arthritis, which affects more than 85 percent of people over 60. As you age, the cervical discs in your neck, which help to absorb shock to the spine, can slowly degenerate, become dehydrated and shrink, which can lead to neck pain. X-rays and CT scans can confirm a diagnosis of arthritis. The good news: a study published earlier this year in Clinical Interventions in Aging found this change tends to slow after age 60. Physical therapy is often used to help strengthen muscles in the upper back and neck, which may help with pain. Over-thecounter pain relievers, muscle relaxants and steroid injections also may offer relief. “Still, it is possible to have neck arthritis and not experience symptoms,” said Pedlow. — Harvard Men’s Health Watch © 2016. President and Fellows of Harvard College. All Rights Reserved, Distributed By Tribune Content Agency, LLC.


Sept. 6


The Bykota and Pikesville Senior Centers are hosting a Wellness Retreat on Sept. 6 at the Pearlstone Conference and Retreat Center in Reisterstown, from 9 a.m. to 4 p.m. Enjoy classes on health and brain topics, breakfast and lunch, and experience the Pearlstone Farm. Cost is $40 per person, $60 with transportation. Call (410) 887-1245 for information.

Say you saw it in the Beacon | Fitness & Health



When blood work is on the edge of normal As a smart medical consumer, you know it’s important to look over the results of your routine blood work, even when the numbers are all within the normal range. But what if you notice that some results are at the high or low end of that range? Should you be concerned about this? “It’s tricky, because in some tests, a borderline result makes no difference. In others, it might indicate an important change in health that we need to follow or act on,” said geriatrician Suzanne Salamon, M.D., assistant professor at Harvard Medical School.

Each lab establishes its own normal ranges for blood test results. The ranges are based on various factors, such as the makeup of the local population where blood is drawn, the instruments used to look at the specimens, and the technologies used to separate various components in your blood. When you look at a printout of your lab results, you’ll find the normal ranges for each blood marker next to your personal blood test results. For example, if your routine blood work includes a test for calcium in the blood, your lab may list the normal


Aug. 22+


The Essex Branch of the Baltimore County Public Library will host a free “Up in Smoke” smoking cessation program beginning Monday, Aug. 22, from 6:30 to 7:30 p.m. The program will run weekly through Oct. 3. Free nicotine patches, gum or lozenges will be part of the options for people who want to quit smoking. To sign up online, visit www.bcpl.info, and click on “Events,” or call Greta Brand at (410) 399-2001.

Sept. 6+


Valley Presbyterian Church in Lutherville will sponsor a free, nondenominational support group for people adjusting to the loss of a loved one. The group will meet on Tuesdays from 1:30 to 3:30 p.m. from Sept. 6 to Dec. 6. Participants can join the group at any time during the course of the program. For more information and additional locations and times, call (410) 8286324 or visit www.griefshare.org.

Treating Difficulty Standing, Walking, Sitting, and Sleeping attributed to Arthritis, Spinal Stenosis, Neuropathy, Fibromyalgia, Painful Swollen Legs, Poor Circulation, and "Growing Pains" in Children. I am a patient who had severe foot pain for 2 years, with no relief in sight....by the end of the 4 days, I was 85% pain free in both feet. I thank God for Dr. Goldman and his passion for research in healing people with foot and leg pain. – Alvin, Baltimore

As a podiatrist with over 30 years experience, I have always focused on non-surgical treatment of foot and leg pain. I find that most people with foot or leg symptoms (arthritic, aching, burning, cramping or difficulty walking) , even those who have had other treatments, including surgery of the foot (or back), can be helped, usually in 1 or 2 visits.

Stuart Goldman, DPM

410-235-2345 20 Crossroads Dr, Suite 15 Owings Mills, MD 21117

New Location

— Dr. Stuart Goldman Fellow American College of Foot and Ankle Surgeons Marquis Who’s Who in Medicine and Healthcare Author, multiple articles on Foot & Leg Symptoms


range for calcium as 8.3 to 9.9 milligrams per deciliter (mg/dL). If your result is 9.1 mg/dL, right in the middle, you can feel confident that your calcium level is normal.

Interpreting the numbers What if a blood test result is at the very low or high end of normal, or even slightly outside the normal range? Is that a red flag? “Don’t jump to conclusions,” Salamon said. “Blood test results can vary a little bit, depending on the lab. And many people are consistently on one side or the other of the normal range, and for them, that’s healthy.” Take, for example, a routine measure of blood urea nitrogen (BUN), a waste product from the breakdown of protein you eat. Excess urea is removed from the blood by

the kidneys. High BUN levels can indicate that kidney function is declining. So what if your BUN level is at the very high end of the normal range? “If I see that it’s borderline high, I might ignore it,” said Salamon. “It’s common for BUN to go up if you don’t drink enough, and that can happen when someone is fasting before having blood drawn.” Minor fluctuations in test results may also result from recent infections, medication side effects, stress, gender, age or inaccurate lab procedures. Salamon emphasizes the need to look at someone’s entire picture of health to interpret a blood test. In our BUN example, a number See BLOOD WORK, page 10


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How you feel should trump lab results How are you feeling today? a sick population. Or your blood samples It’s such a simple question and yet, I bet may not have been centrifuged long your own opinion of how you enough. Maybe your samples feel matters little to your docweren’t properly refrigerated tors. It’s quite frequent that in transit. There are many you’re told not to worry about other possible reasons to your health if a lab test comes doubt lab results. back as “normal.” The assumpI did a one-man experiment tion is made that nothing’s recently, to see what happens wrong. when you use two different New research from Rice labs to measure the same University in Texas suggests thing. We tested Sam’s c4a that how you feel is a more relevels, an inflammatory bioliable indicator of future illness DEAR marker. Quest determined the than your labs. I concur. If you PHARMACIST level to be 9,725 and Labcorp By Suzy Cohen were talking to me, I would said it was 319. trust what you tell me more Can you see how messed than I do any piece of paper from a lab. up your treatment regimen will be if you That’s true for many reasons. rely solely on labs? The numbers can be For one, the reference ranges on labs are off by thousands! often bad because they were determined by Sometimes the biomarkers that doctors

test you for are just for screening, rendering them pretty useless (in my humble opinion). For example, thyroid testing and dosage changes are often based on your TSH blood test. But that test isn’t measuring your thyroid hormone! And total cholesterol lab results are useless because they don’t tell you particle size or number. Yet millions of statin prescriptions have been written based solely on this number. So when I read the Rice University research conducted by Dr. Kyle Murdock, Dr. Christopher Fagunde and the rest of their team, it made a ton of sense to me. The truth is: Physicians should stop telling you everything is fine because your labs are “normal” when you are sitting there in tears trying to explain that something feels wrong. You should not be ignored if you’re not feeling any better on medication. They


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should trust you. And you should trust your instinct more. This is not an excuse to go all hypochondriac on me, okay? I’m just saying if you feel bad, keep digging at what the root cause is. I’m also hoping you don’t go order a cheeseburger and fries to celebrate your “normal” cholesterol. According to Dr. Fagundes, a professor of psychology at Rice University, “When a patient says, ‘I don’t feel like my health is very good right now,’ it’s a meaningful thing with a biological basis, even if they don’t show symptoms.” If you’d like to learn more about this, I will email you a longer version of this article. Just sign up for my newsletter at www.suzycohen.com. How happy would you be to know that “it’s not in your head?” This information is opinion only. It is not intended to treat, cure or diagnose your condition. Consult with your doctor before using any new drug or supplement. Suzy Cohen is a registered pharmacist and the author of The 24-Hour Pharmacist and Real Solutions from Head to Toe. To contact her, visit www.SuzyCohen.com.

Blood work From page 9 just above the normal range might be a sign of a bleeding ulcer in the stomach or small intestine, rather than failing kidneys. “It depends on the person, the symptoms, and the other conditions that are present,” she said.

When to be concerned



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Instead of looking at a one-time test result in the high or low end of normal, Salamon said she looks at trends. “I get concerned if there’s a change from what’s been normal for years, for you. If your test result is always in the high normal range, I’m not concerned. But if it’s always been in the low normal range, and today it’s high normal, that’s different.” Get an annual check-up, and don’t skip the routine blood work. Even if you feel that you’re healthy, it’s still a good idea to have a continuous record of standard blood markers, so your doctor can look for trends. What happens if you have some worrisome results at the high end of normal? “I might repeat the test,” said Salamon. “If it is still a concern, we can investigate the cause.” And the great news is that staying on top of certain numbers on the edge of normal can help you keep from developing chronic disease. For example, if your blood sugar numbers are rising within the normal range, you have plenty of time to start exercising and losing weight to bring them back down. And even if they’re in the prediabetes range of 100 to 125 mg/dL, you can still make lifestyle changes to keep from progressing to full-blown diabetes. — Harvard Health Letter

Say you saw it in the Beacon | Fitness & Health



How to understand blood test results When your doctor orders routine blood tests, it may sound a little like a secret code: a CBC, a CMP and a lipid panel. Each of these is a group of related tests, called a panel, that helps doctors interpret your health. Here are the basics of each: Comprehensive metabolic panel (CMP). A CMP measures various chemicals in your blood, such as blood urea nitrogen and creatinine to test kidney function; blood glucose (sugar) to test for diabetes; ALT (alanine aminotransferase) and AST (aspartate aminotransferase) to test liver function; and calcium, which can indicate an overactive parathyroid gland or sometimes cancer that has spread to the bones. The CMP also measures other aspects of health, such as blood levels of protein, potassium, calcium, sodium and chloride. Complete blood count (CBC). The CBC measures the types of cells in your blood, such as the red blood cells, white blood cells (there are five main types) and platelets, as well as hematocrit (the percentage of blood that’s made up of red blood cells), hemoglo-

bin (a protein in red blood cells that carries oxygen), and the size and shape of blood cells. Results can indicate numerous conditions — such as different types of anemia, infection, kidney disease, dehydration and blood cancers. Lipid panel. The lipid panel measures each of several types of fat in your blood, including “good” HDL cholesterol, “bad” LDL cholesterol, total cholesterol and triglycerides. The levels of these fats help your doctor assess your risk for heart disease. People at increased heart disease risk or who have diabetes should get tested yearly. It may be less often if you have a normal risk. Aim for a total cholesterol of less than 200 milligrams per deciliter (mg/dL), HDL of more than 60 mg/dL, LDL of less than 130 mg/dL and triglycerides of less than 150 mg/dL. Your targets may be lower if you have heart disease or risk factors for it. — Harvard Health Letter © 2016. President and Fellows of Harvard College. All Rights Reserved. Distributed by Tribune Content Agency, LLC.

We specialize in short-term rehabilitation and long-term relationships. Mary came to ManorCare Health Service – Woodbridge Valley debilitated from an infection. Mary couldn’t even get out of bed!


Sept. 6


didn’tknow know She told us ‘Ididn’t what to expect. I’ve never been hospitalized.’

This free six-week series covers ABCs of the Personal Computer, Skill Builders’ Workshop, Introduction to Computers/Windows, Introduction to Microsoft Word 2010, Introduction to the Internet and Email Basics. It will take place at the Reisterstown Road Branch of the Enoch Pratt Library, 6310 Reisterstown Rd., from 12:30 to 2:30 p.m. Tuesdays, from Sept. 6 through Oct. 11. Registration is required; Call (410) 396-0948 to register.

“Everyone was so wonderful. I’m glad I came here.” - Mary

After our rehab team worked with Mary, she was up on her own two feet, managing all of her own needs and, in no time, was discharged and back to her regular routine. As an added bonus, ManorCare’s exercise regimen jump-started a weight loss which helped her to resolve her diabetes. Mary says, “Thanks to ManorCare, I feel great!”

For more information, please call the location nearest you or visit www.manorcare.com: Dulaney




Roland Park





Woodbridge Valley




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Foods that protect your skin from the sun By Brierley Wright, R.D. By now, you probably already know that you should be protecting your skin with at

least SPF 30 sunscreen to keep it healthy and younger looking. But here’s another tip: What you eat can

also help protect your skin from the sun — and even help keep it looking smoother and more youthful. Here’s what to eat to help your skin glow.


Caring places. Healing spaces. Specializing in Skilled Nursing and Subacute Rehabilitation

Eating more vitamin C-rich foods may help to ward off wrinkles and age-related dryness, suggests research in the American Journal of Clinical Nutrition. Vitamin C’s skin-smoothing effects may be due to its ability to mop up free radicals produced from ultraviolet rays, and also its role in collagen synthesis. Collagen is fibrous protein that keeps skin firm, and vitamin C is essential for collagen production. Other research suggests that vitamin C may also protect skin cells by promoting the repair of DNA that’s been damaged by UV rays. You can find vitamin C in a multitude of cosmetics, or go straight to the source for a tasty boost of vitamin C: strawberries, red bell peppers, papaya, broccoli and oranges are all excellent sources.

Tomatoes and carrots Consuming more lycopene — the carotenoid that makes tomatoes red, carrots orange and gives pink grapefruit and watermelon a pink-red hue — may keep your skin smooth and protect it from sunburn. In a study published in the European Journal of Pharmaceutics and Biopharmaceutics, researchers found that of the 20 individuals studied, those who had higher skin concentrations of lycopene had smoother skin. And in another study, participants who were exposed to UV light had almost 50 percent less skin reddening after they ate 2 1/2 tablespoons of tomato paste or drank about 1 2/3 cups of carrot juice daily, in addition to their regular diet, for 10 to 12 weeks. Lycopene isn’t the only carotenoid that shields your skin from UV damage. Others, including lutein — found in corn, kale, spinach, summer squash and egg yolks — and beta carotene — found in pumpkin, sweet potato, spinach and carrots — also appear to have a protective effect.


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Coffee Good news for coffee lovers! In one study of more than 93,000 women, published in the European Journal of Cancer Prevention, those who drank even a single daily cup of caffeinated coffee reduced their risk of developing non-melanoma skin cancer by about 10 percent. And the more they drank — up to about 6 cups or so per day — the lower their risk. Decaf didn’t seem to offer the same protection. These findings add to a body of research that suggests caffeine, in both coffee and tea, is the protective ingredient. The effects of caffeine on skin are modest, so it’s not a reason to start drinking coffee. It’s just one more reason to enjoy it if it’s already part of your routine.

The omega-3 fatty acids DHA and EPA (docosahexaenoic and eicosapentaenoic acids) found in fatty fish (tuna, sardines, trout and salmon) may shield cell walls from free-radical damage caused by UV rays, according to a study in the American Journal of Clinical Nutrition. Those same fish may help keep your skin looking youthful, too, as EPA has been shown to preserve collagen. Aim to eat two servings of fatty fish each week: Not only are the omega-3s good for your skin, they’re good for your heart as well. EatingWell is a magazine and website devoted to healthy eating as a way of life. Online at www.eatingwell.com. © 2016 Eating Well, Inc. Distributed by Tribune Content Agency, LLC.



Say you saw it in the Beacon | Fitness & Health

How nutritious are lettuce and tortillas? Q: I’ve heard that lettuce varieties are less than ten calories a cup, and can have different nutritional value, and that help keep you full without many calories. some aren’t worth eating. Is By mixing up your lettuce that true? choices, you’ll keep your salA: Yes. And no. There are ads interesting and pack in a many types of lettuce, and it’s variety of vitamins and other hard to go wrong with any of cancer protective compounds. them. All are loaded with water, Q: Which is healthier, a and they have some fiber, tortilla or a slice of bread? which reduces the risk of colA: They are somewhat simiorectal cancer. lar, but how much depends The popular iceberg lettuce upon the tortilla and the makes a crunchy salad, and bread. Like bread, tortillas are includes some vitamin K, fo- NUTRITION made from a grain — either late, and beta-carotene, which WISE wheat or corn — so some nutriBy Karen Collins, converts to vitamin A. ents are similar. But calories difBut other types of lettuce MS, RD, CDM fer depending on the tortilla’s provide even more vitamins and phytonutrients. A cup of Boston or Bibb lettuce provides more than six times as much beta-carotene as iceberg, and dark green or red leaf lettuce contains even more — about the same amount that’s in half a small carrot. These lettuces are also high in lutein, another carotenoid that links to eye health. One cup of romaine gives you over 80 percent of the recommended amount of vitamin A and more than half of vitamin K. Romaine also contains the B vitamin folate that helps maintain healthy DNA and may play a role in protecting against cancer. You may also have seen the mixture of field greens called mesclun. Some mixes include mainly mild-flavored greens, such as baby oak leaf and romaine, while other blends contain more peppery flavored greens, such as arugula and mustard. In general, nutrients in these greens are similar to that of romaine or leaf lettuce: high in beta-carotene and folate. Whatever type of lettuce you choose as your salad base or in your sandwiches, all

size, thickness and fat content. A one-ounce slice of bread typically contains 75 to 100 calories. Corn tortillas, the traditional choice for tacos and enchiladas, generally have 60 to 65 calories in each sixinch circle. Flour tortillas are slightly higher in calories because they contain added fat to make them softer and easier to roll. Small six-inch flour tortillas usually aren’t much more than 90 calories. However, many flour tortillas used for dishes like fajitas, large burritos and chimichangas are quite a bit larger, and may be thicker, too. A 12-inch flour tortilla may contain nearly 300 calories with more carbohydrates than three slices of bread. Beyond calories, nutritional value depends on whether the tortillas are made with whole grains and healthy fats. Instead of flour tortillas made from enriched flour (a refined grain), look for whole grain options (corn or whole wheat). Just as with bread, whole-grain tortillas provide more fiber and a more complete package of nutrients and health-protecting plant com-

pounds. Also, when buying flour tortillas, look for those made with vegetable oils. The American Institute for Cancer Research offers a Nutrition Hotline, 1-800-8438114, from 9 a.m. to 5 p.m. Monday through Friday. A registered dietitian will return your

call, usually within three business days. Courtesy of the American Institute for Cancer Research. Questions for this column may be sent to “Nutrition Wise,” 1759 R St. NW, Washington, DC 20009. Collins cannot respond to questions personally.

Write a letter to the editor. See page 2.


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A shortcake that isn’t short on flavor By Melissa D’Arabian Strawberry shortcake has always been a favorite dessert of mine — it reminds me of the carefree days of summer at my grandparent’s house, where we’d buy strawberries by the pound and eat them in just about everything. Since we eat shortcake all summer, I’ve created a recipe that includes a little extra fiber and protein by subbing out half the white flour with whole wheat flour (whole wheat pastry flour is particularly great for

baked goods if you happen to have some). The flaky texture comes from just a little bit of butter, while low-fat plain Greek yogurt subs in for the traditional heavy cream and buttermilk. The berries are made perfectly tangy and sweet with some balsamic vinegar and brown sugar, an homage to my grandma who used apple cider vinegar in just about everything, including her berries for shortcake. The final touches of mint and orange zest add nuanced flavor, so the berries


shine through without a ton of extra sugar. And instead of whipped cream, I mix up a luscious vanilla cream from part-skim ricotta and Greek yogurt. We’ll be eating this recipe straight through to fall.

Cinnamon biscuit & berry shortcakes Start to finish: 45 minutes Yield: 6 servings For the berries: 2 tablespoons white balsamic vinegar (or apple cider vinegar) 1 tablespoon brown sugar 2 cups raspberries, blueberries, and sliced strawberries 1 teaspoon grated orange zest 2 teaspoons chopped fresh mint For the shortcake biscuits: 1 1/4 cup flour — half whole wheat, half all-purpose 2 1/2 teaspoons baking powder 1/4 teaspoon baking soda 2 tablespoons sugar, plus more for sprinkling 1/4 teaspoon salt 1/2 teaspoon cinnamon 3 Tablespoons cold butter, cut into small cubes 1/2 cup low-fat plain Greek yogurt 1 egg, lightly beaten, divided in half For the creamy filling: 1/3 cup part-skim ricotta cheese 3 tablespoons low-fat plain Greek yogurt 1/8 teaspoon vanilla extract

1 tablespoon brown sugar Preheat the oven to 400. In a medium bowl, toss together the balsamic vinegar, brown sugar, orange zest and mint. Place in refrigerator while you make the biscuits. Place the flour, baking powder, baking soda, sugar, salt and cinnamon in a small food processor. Pulse once or twice to mix the dry ingredients. Add the butter, and pulse 7 or 8 times until mixture looks like wet sand. Add half the egg into the yogurt and stir to combine, and then pour on top of the flour. Process until the dough comes together in a large clump, about 30 seconds. Empty the dough onto the counter and form into a 6-inch disk. Slice the dough into 6 wedges and place on a baking sheet lined with parchment. Brush lightly with a little remaining beaten egg and sprinkle with a little sugar on top. Bake until golden brown and fluffy, about 13-15 minutes. Remove from the oven and allow to cool. Meanwhile, make the cream: in a small bowl, mix together the ricotta cheese, yogurt, vanilla and brown sugar until smooth. Chill until ready to serve. To serve, split the biscuits in half, spoon some ricotta cream on the bottom half, top with macerated berries and the top biscuit half. Enjoy. Nutrition information per serving: 255 calories; 80 calories from fat; 9 g. fat (5 g. saturated; 0 g. trans fats); 58 mg. cholesterol; 422 mg. sodium; 36 g. carbohydrate; 4 g. fiber; 13 g. sugar; 9 g. protein. — AP

See useful links and resources at www.TheBeaconNewspapers.com

Summer Gardening for a Healthier You Join us to learn how YOU can garden your way to the creation of new taste sensations!

Six Week Series June 30, July 15, July 28, August 12, August 26 and September 16

Topics • Organic Mosquito Repellent Gardening • Grow Your Own Organic Veggies • Make Your Own Organic Oils

• Create Effective & Safe Bug Spray by 10:00 am – Noon at Keswick Blending Herbs & Oils 700 W 40th St, Baltimore, MD 21211 • Transplanting for Your Thanksgiving Harvest Featuring MD’s Green Ambassador,

Cathy Allen

• Celebrating the Fruits (& Veggies) of the Garden

For more information and to register visit choosekeswick.org/events or contact:

communityhealth@keswick-multicare.org | 410.662.4363

Say you saw it in the Beacon | Fitness & Health


Health Studies Page



Help contribute to breast cancer research Clinical trials are one of the major factors responsible for the gains made in breast cancer survival over the past 30 years. Thanks to such research studies, improvements have also been made in quality of life for people living with cancer, as researchers have been able to identify more targeted treatments that can help limit many cancer therapy side effects. The Sidney Kimmel Comprehensive Cancer Center at Johns Hopkins Medicine has established the Breast Cancer Program Longitudinal Repository to collect tissue samples that can help further research into the disease. The program began in 2009 and will continue through 2030, with an estimated enrollment of 1,000 volunteer participants. The Hopkins repository seeks samples from three groups: • Participants who have a known diagnosis of breast cancer and are receiving a breast cancer evaluation and/or treatment, • Participants who have benign breast

disease and are receiving a diagnostic procedure and/or evaluation, and • Participants who have no known diagnosis of breast disease or abnormality, but are undergoing routine screening or diagnostic breast imaging procedures and/or other clinical evaluation.

Who can volunteer? Any man or woman being seen at Johns Hopkins for breast cancer treatment — or

Important to future research


Volunteers in each group agree to provide blood, tissue, urine and other samples, which are collected for future use so that investigators may learn more about cancer by studying cells in blood and tissue collected from people with breast cancer as well as from volunteers without breast cancer. The goal is to make these samples available to help researchers learn how cancer develops and how it may best be treated. “While much can be learned from the anecdotal clinical experience of individual practitioners and from retrospective chart review, this informal system is not conducive to high-quality clinical studies that

Sept. 12


Sept. 13

could help change clinical practice,” said Dr. Antonio Wolff, a physician with the Hopkins Breast Cancer Program.


Though the Holocaust ended more than 70 years ago, many survivors are still deeply affected by the trauma they endured. In an effort to raise community awareness and sensitivity about their unique needs, Jewish Community Services invites Holocaust survivors, their family members, caregivers and professionals to a special community-wide program. “Shadows of the Past: How the Trauma of the Holocaust Impacts Survivors Today” will take place Tuesday, Sept. 13, from 6:30 to 8:30 p.m. at the Edward A. Myerberg Center, 3101 Fallstaff Rd. The program is free and open to the public. For more information, contact JCS at (410) 466-9200 or visit www.jcsbaltimore.org.

for any screening or diagnostic breast procedures, such as mammograms or biopsies — may participate. Individuals without a history of breast cancer may also contribute samples. For more information or to volunteer, contact HopkinsBreastTrials@jhmi.edu.


The Glenn L. Martin Maryland Aviation Museum’s free Aviation Speaker Series features historian Roger Miller with the story of the World War II raids on the Ploesti oil fields — German oil refinery facilities located 30 miles north of Bucharest, Romania. The program takes place on Monday, Sept. 12 at 7 p.m. in the Lockheed Martin auditorium at 2323 Eastern Blvd. in Middle River. Although this event is free, a photo ID is required for entry into the facility. For additional information, call (410) 682-6122.


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Two ways to obtain investigational drugs Dear Mayo Clinic: Do I need to be in a clinical trial to get access to an investigational drug? If so, how do I find clinical trials that I may be able to participate in? Answer: Investigational drugs are those allowed by the Food and Drug Administration (FDA) to be tested in clinical

trials. Often, the drugs are somewhere in the process of being studied for safety, effectiveness and intended use. By far, the most common way that people receive access to investigational drugs is by taking part in a clinical trial. Your doctor may know about some clinical trials related to your specific circum-

stances. In addition, you or your doctor can search clinical trial databases at the National Institutes of Health (www.clinicaltrials.gov) or at the National Cancer Institute (www.cancer.gov/clinicaltrials/search). Less commonly, people may qualify for access to an investigational drug outside of a clinical trial in what’s known as expanded access, or “compassionate use.” Expanded access is designed to allow people with serious diseases or conditions and life-threatening problems — and usually no further treatment options — access to promising investigational drugs that aren’t unreasonably risky. The drugs are not yet approved by the FDA and aren’t proven to be safe and effective. However, to gain expanded access there are a number of hurdles to clear. The drug manufacturer has to be willing and able to provide the drug. There may be numerous

reasons why a drug company wouldn’t do this. If the drug is available, your doctor will need to submit an application to the FDA for review and approval. The protocol to use the investigational drug will be reviewed by a review board to protect research participants. Your doctor may not agree to do this if the drug is unlikely to provide benefit, or if the drug can’t be properly administered or managed. If you do obtain access to an investigational drug, an additional factor is cost. A drug company may or may not charge for the drug, but a healthcare provider is likely to charge for administering and monitoring of the drug. Insurance companies often don’t cover costs of an investigational drug. Adapted from Mayo Clinic Health Letter — Christine Formea, Pharm.D., R.Ph.


Sept. 28




Family gatherings and holiday celebrations can be painful for people who have experienced the death of a loved one. Jewish Community Services and the Edward A. Myerberg Center present a free workshop open to all that offers strategies and support during this difficult time. “The Empty Place at the Table: Coping with Loss During the High Holidays” will be presented on Wednesday, Sept. 28 at 1 p.m. at the Edward A. Myerberg Center, 3100 Fallstaff Rd. For information and to pre-register (requested) call (410) 4669200 or visit www.jcsbaltimore.org/griefsupport.

The State Health Insurance Program (SHIP) is seeking volunteers to be trained to conduct online searches for Medicare Part D prescription plans, educate beneficiaries on the plans, and determine if they are eligible for financial assistance with their plans. Three three-hour training classes will be held in early October at the Bykota Senior Center, 611 Central Ave., Towson. For more details or to volunteer, call (410) 887-2059.


Say you saw it in the Beacon | Fitness & Health


Grown sons are just that: not your boys Dear Solutions: Dear Rita: My two grown sons, in their 20s, Imagine! Those two sons think they’re came to visit when their fagrown men! They don’t know ther was having surger y. that they’re still your little They don’t get to see each boys. other very often and spent Let go, Mom. It’s hard, I a lot of time together having know, but accept the fact that long private talks. each will only tell you what When I asked each one they want you to know. Stay about the other, they each busy with your own life, and looked at me like I’m some when they ask you for details kind of fool. I want to know about it, you can decide what about their lives, but they to tell them. hardly talk about them- SOLUTIONS So, ask them no questions selves to me. I thought if I By Helen Oxenberg, and they’ll tell you no lies, and asked one about the other, MSW, ACSW you can still love each other. I could find out how things Dear Solutions: really are for them. My son-in-law, who recently inheritIs it just because they’re males that ed a lot of money, refuses to write a they won’t talk, or am I doing some- will. My daughter and I both worry bething wrong? cause, should he die, there will be — Rita children who need to be supported.


Sept. 17


Sept. 22


Party the night away at the Glenn L. Martin Maryland Aviation Museum’s Hangar Dance and Dinner at Martin State Airport on Saturday, Sept. 17, at 6:30 p.m. This event serves as the museum’s annual fundraiser, with this year’s theme saluting the veterans of the Vietnam War. Emcee Ken Jackson, host of WYPR’s “In the Mood” big band radio program, and the 20 piece big band Ain’t Misbehavin’ return for a second year of entertaining attendees. The bull and oyster roast dinner is by Atlantic Caterers, with the dinner hour music provided by DJ Hugo Keesing. Attendees are invited to dress in their 1960’s/70’s fashions and/or United States military outfits, and enter the best period attire of the evening contest. Tickets are $55 for museum members; $65 for non-members. For more information, visit www.wingsovermaryland.org or call (410) 682-6122.

A librarian walks you through the current world of social media, including Snapchat, Instagram, Twitter, Facebook and more at the Rosedale branch library on Thursday, Sept. 22 from 10 to 11 a.m. The library is located at 6105 Kenwood Ave. Registration is required. Call (410) 887-0512.

But when we mention this, he just waves us away and says it’ll be okay because then she would have all the money anyway. My daughter then says, “what if we both die together and there’s no will?”, at which point he just walks away. Do you have any suggestions about how to handle this? Dear Worried: Well, we all know that where there’s a will there’s a way, but in this case if there’s no will, you have to find another way. First, though, give some thought to why he’s so resistant. It’s probably his fear of death, and writing a will may seem, superstitiously, to bring that event closer.

Suggest that your daughter speak to an estate lawyer about ways to set up trust funds for the children. However, for the sake of the marriage, I would advise your daughter to first speak to her husband about doing this. If he still resists, she should move ahead with this herself, for the sake of the children, if possible. Also, it might be a good idea for her to try to get her husband to explore his fears with a therapist. © Helen Oxenberg, 2016. Questions to be considered for this column may be sent to: The Beacon, P.O. Box 2227, Silver Spring, MD 20915. You may also email the author at helox72@comcast.net . To inquire about reprint rights, call (609) 655-3684.



More at TheBeaconNewspapers.com

Money Law &

ELEVATE YOUR JOB SEARCH Introduce yourself to potential employers with a concise “elevator speech” that sums up your experience and accomplishments CUT FUNERAL COSTS Comparison shop, consider cremation, and simplify burial to avoid funerals that break the bank

How to make your retirement money last By Doug Kinsey Probably the biggest single concern of retirees is running out of money. It doesn’t seem to matter how much money they have; the thought of not generating any outside income — living for many years off of an existing pool of assets and Social Security — strikes fear in the hearts of many mortals. That’s where a financial adviser can help. It’s one of our primary jobs. We spend many hours studying and learning about how best to accomplish this goal. I personally find the topic very interesting since many tools and techniques have been developed over the years to better understand this issue. Some of these tools are nothing but sales pitches in disguise. Others are so complicated that many planners don’t even understand them fully (for example, “Monte Carlo simulations”). Effective retirement planning is not a “set-it-and-forget-it” discipline, either. A financial plan for someone who is in the distribution phase of their lives is one that calls for continuous monitoring and adjustment, as well as attention to the markets, economy and political environment. Still, all good plans rely on a few key variables:

1. Getting the spending part right. In a nutshell, how much will you be shelling out each year, both for normal and recurring items and for extraordinary or one-time expenses? Perhaps your plan calls for an annual expense of $15,000 for travel, as you like to

visit your children a few times every year and also take one or two personal trips. Then, maybe every three to five years, you plan on a larger expenditure of $25,000 to spend three weeks in Europe. Annual car expenses, including funds for an unexpected emergency, also must be factored in. You may have a normal expenditure of $5,000 in fuel and maintenance costs, and a periodic expense of $30,000 every 10 years to replace a car, for example. When calculating the lifespan of your portfolio, we look at the net or after-tax withdrawals from your accounts after other sources of income, such as Social Security and pensions, are used.

2. Understanding the total value of your liquid assets. Liquid just means you can quickly cash in an asset, such as cash, certificates of deposit, money market accounts, stocks, bonds, mutual funds, etc.

3. Correctly estimating the expected growth rate of your investments. This is after taxes, inflation and investment management expenses. Two of these three variables are within your control — taxes and investment management costs. Tax management can take on a large role in retirement, as asset sales can be timed, and gains and losses can be netted against one another, distributions can be timed from taxable versus non-taxable accounts, etc. Investment management fees should be evaluated and minimized where possible.






Baltimore County Department of Aging provides an online resource guide for women at www.baltimorecountymd.gov/agencies/women/resources.html. The guide lists services for women, families and service providers in areas such as health, education, employment, as well as crisis hotline phone numbers. For more information, call (410) 887-3448.

One in eight Maryland residents live in households that can’t always afford enough food. The United States Department of Agriculture funds a toll-free hotline to make it easier for them to access food from both private and governmental resources. The hotline can be reached at 1-866-3HUNGRY or 1-877-8-HAMBRE (for Spanish) from Monday through Friday (8 a.m. to 8 p.m. EST).

Table 1.

The Longevity of an M = $1,000,000 Portfolio (in years) Real Annual Withdrawal and Spending Rate Investment Growth Rate w = $60,000 w = $55,000 w = $50,000 w = $45,000 g = 0.5% 17.4 19.1 21.1 23.6 g = 1.0% 18.2 20.1 22.3 25.1 g = 1.5% 19.2 21.2 23.8 27.0 g = 2.0% 20.3 22.6 25.5 29.4 g = 2.5% 21.6 24.2 27.7 32.4 g = 3.0% 23.1 26.3 30.5 36.6

w = $40,000 26.7 28.8 31.3 34.7 39.2 46.2

Source: Moshe Milevsky, Financial Analyst Journal, March/April 2016

This includes fees at the mutual fund level and at the adviser level. As an example, consider a balanced portfolio of 60 percent stocks and 40 percent fixed income and cash. The blended return on this portfolio will probably be in the 7 percent range. Inflation today stands at around 1.1 percent (but with healthcare costs being a large factor for retirees, we’re going to use 3 percent). A typical investor will pay somewhere in the range of 1.5 percent for investment management, so our net growth rate is around 2.5 percent. Taxes may bring that down closer to 2 percent. I am giving you this detail to impress upon you the impact of the various factors on your portfolio, and to emphasize that it truly can be the small things that make a difference.

How long will it last? Ok, so now what? We know the portfolio value, the spending plan, and the expected growth rate. How do we find out how long the portfolio will last? Moshe Milevsky, associate professor of finance at York University in Toronto, developed the following simple formula (simple if you have a financial calculator or use a spreadsheet program):

Source: Moshe Milevsky, Financial Analyst Journal, March/April 2016

What this says is that the EL, or expected longevity of your portfolio is equal to 1 divided by the expected growth rate times the natural logarithm of the formula in paren-

thesis. “w” is your withdrawal amount in dollars, “M” your initial portfolio value and “g” is your expected growth rate. It looks complicated, but it isn’t. I built a simple spreadsheet in Excel using this formula, and I’d be happy to send it to you if you would like a copy. To get an idea of what the output looks like for a $1,000,000 portfolio, see Milevsky’s Table 1. You can quickly see the relationship between net growth rate and withdrawal rate. To go back to my earlier example, let’s say you have a $1,000,000 portfolio and expect a 7 percent growth rate, which after inflation, fees, taxes, etc. gives you a net 2.5 percent rate of return. You could take as much as $60,000 a year out if you are a 65-year-old male and be reasonably certain that it will last for your lifetime (estimated mortality for a 65-year-old male is about 18 years, and 20 years for a female of the same age). If you are younger, you would want to withdraw less each year. There are more factors that should be considered, of course, such as the age of your beneficiaries (spouse, children, etc.), life insurance owned, etc., and that’s why a complete financial plan is invaluable to make sure no stone is unturned when making such important decisions. The bottom line is that this simple tool can at least get you started thinking, and maybe give you a little guidance in conversations with your financial adviser. And remember, sometimes small adjustments can have a big impact. Doug Kinsey is a partner in Artifex Financial Group, a fee-only financial planning and investment management firm based in Dayton, Ohio. All contents © 2016 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Say you saw it in the Beacon | Law & Money



How to convince a store to give you a deal By Kyle James The time and effort required to be an “extreme coupon” user is something that many of us would rather pass on. Instead, learn the right questions to ask store employees in order to score the best deal possible. Sometimes they’ll pass along an exclusive coupon, sometimes they’ll drop clues on the best day of the week to shop, and some might even mark down products for you. By knowing the right questions to ask, you can easily maximize your savings on your next shopping trip. Here’s what you need to know. 1. Ask about markdown days Most retailers, both small and large, have specific days of the week when they do their internal store markdowns. Whether it’s adding new items to the clearance section, or reducing the price on already reduced clearance products, if you know the “markdown” day, you can shop when the selection is the greatest and still save some money. I have found that most employees are very open to share this information if you have a friendly chat with them. For example, a Macy’s employee told me to shop on a Tuesday as they have all their markdowns done by then. Also, if you’re a Kohl’s shopper, I was told to shop on the 2nd and 4th Saturday every month. If instead you end up shopping on the day before a store does their markdowns, you’ll find the clearance section picked over and will probably find little of value. 2. Ask about floor models and imperfect items When I worked at Home Depot, floor employees were given the authority to markdown imperfect items, scratch and dents, and floor models in order to clear them out of the store quickly. This included marking down items whose damaged

packaging did not affect the quality of the actual product. I can remember having regular customers who would ask me specifically if we had any such items that they could get a deal on. I’d then happily point them to the products I could mark down for them, and they often got stuff for 25 to 30 percent off the original retail price. Start asking employees at stores like Home Depot, Lowe’s, Best Buy and Walmart about deals on floor items and imperfect stuff. If you can’t find any specific items to ask for a discount on, just ask an employee, “Do you have any screaming deals on floor models or scratch and dents?” Then just follow them to the deals. 3. Ask for a coupon Many retailers arm their employees with special coupons and discounts to freely hand out to customers in an effort to build store loyalty and goodwill. So if you’re shopping in-store, and you can’t find a coupon via your smartphone, start a polite conversation with an employee and ask if they might have a coupon to use. You have absolutely nothing to lose and significant savings to gain. JCPenney, Macy’s, Old Navy, Bed Bath & Beyond, and Cost Plus are a few of the stores where this has been known to work effectively. 4. Expired coupon? Use it anyway Have you ever been on a shopping trip and pulled a coupon out of your purse or wallet only to realize it expired last week? For a frugal shopper, it can be a sickening feeling. Next time this happens, try to use the expired coupon anyway, as often the cashier will say, “Oh sorry, this one is expired. But I have one here by the register that you can use.” Stores where I have used this strategy

LOOKING FOR A LOW-COST, LEGAL ALTERNATIVE TO BANKRUPTCY? Are you a Senior, Veteran or Disabled Person Living on Social Security, Disability, Pensions or Veteran’s Benefits? Federal law protects your income from creditor garnishment. Debt Counsel for Seniors, Veterans and the Disabled (DCSD) can protect you from creditor harassment. If you can’t pay your credit card or medical bills or your student loans or payday loans, you can stop paying them without filing for bankruptcy. We are celebrating 15 years of helping seniors with their debt without filing for bankruptcy and protecting them from letters and calls from collection agents. You too can live worry-free, as thousands of our clients do.

Call Debt Counsel for Seniors and the Disabled For a Free Consultation at 1-800-992-3275 EXT. 1304 Founded in 1998 Jerome S. Lamet Founder & Supervising Attorney • Former Bankruptcy Trustee www.debtcounsel.net info@lawyers-united.com

successfully include Bed Bath & Beyond, Michaels, Jo-Ann Fabric, Dick’s Sporting Goods, and Harbor Freight Tools. 5. Find out which items you can negotiate It’s no secret that retailers have certain products that offer a larger profit margin than others. A Best Buy employee recently told me that they can negotiate a lower

price on products with a higher profit margin. He went on to say that high-end TVs often have more wiggle room in price than those in the $250-$500 range. Use this information to your advantage, and try to politely negotiate a lower price on higher-end electronics. If you’re worried See GET A DEAL, page 20


Aug. 29


The Maryland Small Business Development Center will discuss how to write a business plan and other aspects of starting a business at the Randallstown branch of the library on Monday, Aug. 29 from 6 to 7:30 p.m. The library is located at 8604 Liberty Rd., Randallstown. Call (410) 7065466 to register.





A variety of volunteer opportunities are available with Catholic Charities. To learn more, contact Patricia Newman at (410) 5475553 or volunteer@cc-md.org.

When you sign up for the Create the Good network at AARP, you will receive an email with links to find volunteer opportunities, filtered by your own zip code. Visit www.volunteers.aarp.org.


Law & Money | More at TheBeaconNewspapers.com


Seven ways to slash the cost of a funeral By Bob Niedt In addition to the emotional toll, dying can take a heavy financial toll on the living. The median cost of a funeral runs about $8,500, according to the latest figures from the National Funeral Directors Association, including embalming, viewing, a hearse, a metal casket, a vault and some other related services. And there are two important points to keep in mind about the $8,500 figure. First, it doesn’t take into account some common cemetery expenses — such as a burial site, marker, paid obituary and flowers.

Second, it’s the median, or middle, price; some funerals can cost upward of $25,000. The price tag, 29.3 percent higher than it was a decade ago, could come as a shock to grieving heirs, and take a bite out of your estate. Prepaying for your own funeral is one way to spare your survivors the hassle and expense, but generally speaking, Kiplinger recommends thinking twice about prepayment because there are better ways to set aside cash for a funeral. A smarter approach might be to focus



HELP AT NORTHWEST HOSPITAL CENTER Northwest Hospital Center has a variety of volunteer opportunities

available, from greeting and escorting patients, to filing and copying charts, to assisting at community health screenings, to name just a few. Call (410) 521-5911 for more information.

on reducing funeral costs. Here are seven ways to save: 1. Compare prices. Licensed funeral homes are required by law to give you a General Price List, or GPL, which breaks out funeral expenses. Ask for a copy if one isn’t offered, and get quotes from different homes. “It’s apples to apples and oranges to oranges,” said Stephen Kemp, a licensed funeral director with Haley Funeral Directors in Southfield, Mich. “Families can compare and contrast.” Funeral homes are also required to provide pricing information by phone. 2. Stick to a budget. According to the Funeral Consumers Alliance, families in the throes of grief suddenly planning a funeral can “rush into making a decision, often resulting in unnecessary costs leading to even more stress down the road.” The nonprofit group, which advocates for affordable funeral planning, advises families to develop a budget and hold firm. Kemp said good funeral directors will either work within the budget or recommend a funeral home that can.

3. Think outside the box. The median price of a metal casket sold by a funeral home is around $2,400. High-end caskets can run into five figures. But you aren’t required to buy a casket from a funeral home, and the funeral home must accept a casket purchased elsewhere — including online. Caskets at Costco start at $950, and the warehouse club ships to most states. Other online sellers include Overstock.com and BestPriceCaskets.com. A funeral home also can’t charge you a handling fee for receiving a casket purchased elsewhere. 4. Consider cremation. Cremation rates in the U.S. are approaching 50 percent, according to the Cremation Association of North America, and by 2019 the majority of Americans are projected to opt for cremation over burial. One big benefit of the shift is cost. The median price of a funeral with a viewing and cremation is about $6,000, the National Funeral Directors Association found, versus $8,500

Get a deal

tailers have an idea of when prices will probably get better. So ask them when they recommend you should buy to maximize your savings. They’ll often tell you to come back on a specific day or weekend when everything will be on sale, or when there will be a great coupon available. In either case, just by asking, you can easily get some insider knowledge that’ll save you some money. This article is from Wise Bread, an award-winning personal finance and credit card comparison website. All contents copyright 2016 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Service.

From page 19 about looking cheap, try the “bundling” technique. This is when you bundle a TV with a Blu-ray player and ask for a 15 percent discount if you buy both on the spot. This will also often work at big-box home improvement stores. Think things like a lawn mower purchased with a weed eater, or chain saw with a carrying case and new chain. 6. Ask about upcoming sales When I worked retail, I always had some insider knowledge on upcoming sales events or exclusive coupons and rebates. Most floor employees at big-box re-

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See FUNERAL COST, page 22


Say you saw it in the Beacon | Law & Money


Sum yourself up in an ‘elevator speech’ Question: Now that I’m looking for a erage person today loses focus in about job, I hear a lot of people talking about eight seconds!) Therefore, an elevator their “elevator speech.” speech these days needs to What do they mean by be stepped up. “Hello, my that? name is” just won’t do it. Answer: The concept of an As a job seeker, it’s essenelevator speech has been tial to use an elevator speech around for a long time. It’s a whenever you want to introsuccinct (approximately 30 duce yourself to a new consecond) business description tact. You need to craft a of what you do and why somestrong elevator speech — one one should hire you. It’s that makes a lasting first imcalled an “elevator speech” pression and positions you in because it describes the need CAREER COACH the listener’s mind. to be able to sell yourself to By Judy Smith Here’s a short course on another individual in the time preparing a good elevator it takes to ride with them on an elevator speech. from the ground floor to the top floor. 1. The introduction. Start with your However, that was then. Elevators are name and what you do (i.e., your expertise much faster, and attention spans are much and its value). For example, “I write comshorter, now. (Statistics show that the av- puter programs that make Internet search-


Oct. 1

DOUGLASS HIGH CLASS REUNION Frederick Douglass High School Class of 1966 will hold a 50-year

reunion on Saturday, Oct. 1. Proceeds will benefit Historic Frederick Douglass High School’s scholarship fund. For more information, call (410) 788-8262 or (443) 604-5116.




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For a loan term of 36 months. No collateral required.

Visit PenFed.org/GreatRates or call 866-367-0231. No military service required. To receive any advertised product, you must become a member of PenFed Credit Union. * Rates and offers effective August 3, 2016, and are subject to change. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Loan amount determines term. All loans subject to minimum monthly payment of $50. Loan example: $15,000 at 9.99% APR for 36 monthly payments of approximately $483.94 each. PenFed does not permit internal refinances of an existing PenFed personal loan. © 2016 PenFed Credit Union. All rights reserved.

es more targeted.” Remember, you have to keep the person you’re meeting with focused. You need to make him/her interested in hearing more about you within the first eight to 10 seconds. (You can cover a lot of ground in those few seconds.) 2. Professional accomplishment. For example, “My team and I designed a new process that ultimately increased revenue by 35 percent.” 3. An “emotional hook.” Keep a smile on your face, offer a sincere statement of passion for your profession, or show your conviction for a cause (nonprofits, helping the elderly, etc.). For instance: “I’m very pleased I can help so many seniors age in

place.” 4. What you want to do next (what you’re looking for). For instance: “Now I’m eager to apply my skills in the field of X, in an agency that focuses on improving Y,” etc. 5. A big finish. A sentence or two that tells about an action you took that brought something to a successful conclusion. People like success stories. The story doesn’t need to be something that happened on the job, but it should illustrate a skill of yours that you’re eager for the listener to know more about. Tell them about a problem you solved, colleagues you sucSee ELEVATOR SPEECH, page 22


Law & Money | More at TheBeaconNewspapers.com

Funeral cost From page 20 for a comparable funeral with burial. Cremation expenses can be reduced even further by turning down the cremation casket (median funeral home price: $1,000). Funeral homes are required to offer inexpensive alternatives to cremation caskets, such as simple containers made of unfinished wood or fiberboard. Supplying your own urn (median funeral home price: $280) will trim the bill, too. 5. Skip the embalming. Preserving

Elevator speech From page 21 cessfully mentored, a program you created, or a commendation you were given.

Rules for a good elevator speech • Your complete speech should be as close to 30 seconds as possible. If you


the body through embalming isn’t a routine requirement for every death. However, many funeral homes will require embalming if there will be a public viewing. If a service is held within 24 to 48 hours with no public viewing, said Kemp, embalming may not be necessary. Even if the service can’t be held so quickly, refrigeration is an acceptable alternative to embalming in most states. The National Funeral Directors Association puts the median cost of embalming at $695. 6. Keep the service simple. The median charge for the use of funeral home fa-

cilities and staff for a viewing and ceremony adds up to $915, according to the National Funeral Directors Association. If you insist on a funeral home service but can’t afford the full production, Kemp said funeral directors will usually work with you to cut corners. Remember, you aren’t required to purchase a funeral home’s complete package. Instead, choose only the goods and services that fit your budget and needs. 7. Donate your body to science. Science Care is one company that acts as a go-between for whole-body donors and

labs doing medical research. For donors accepted by Science Care, costs are covered for cremation, transportation and filing of the death certificate. Cremated remains are returned to the family at no cost within three to five weeks. Another company that accepts wholebody donations is LifeLegacy. Certain factors including infectious diseases (hepatitis, HIV/AIDS and so on) can result in a donation being rejected. All contents © 2016 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

don’t deliver your message quickly, people will stop listening to you. • Your speech should use language that’s easy for the average person to understand. Don’t use technical words or jargon. • Your speech should be well-rehearsed — but sound like it’s not rehearsed at all! To help you get started, make a list of all the services you provide. Then, think of

the benefits that a potential employer or client could derive from your services. You could use successful outcomes to illustrate benefits. Here’s my sample speech: “Hi, I’m Judy Smith. I help people find satisfying new jobs and coach clients on how to become more successful at their work. For example, I helped a client

change jobs with a 40 percent salary increase. I helped a client develop the skills to deal with a difficult boss, and I helped a manager design training that measurably improved staff performance. I love giving clients the knowledge they need to move their lives forward!”

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Edit and practice • Start writing. Prepare a rough draft of your speech. Edit it. Put it down for a while and come back to it later. See if it still rings true. If not, edit it some more. When you finally arrive at the elevator speech that best suits you, you’ll know it. • Record yourself; listen to it. Do you sound confident? Is your speech engaging? Does it seem rehearsed? • Run it by as many friends and family as you can. Ask for their feedback. • Memorize the final speech. • Practice your speech until it feels like it’s rolling off your tongue — until you “feel the vibe.” Now you’re ready to take your compelling speech on the road. Watch as it consistently ramps up your listeners’ attention! Judy Smith is a registered career coach. Send your job search questions to Smith at smithjudit@gmail.com, or visit her website at www.judysmith.solutions.


Sept. 29


The road to Pebble Beach starts in White Hall, Md. at the NKF Golf Classic, hosted by the National Kidney Foundation of Maryland (NKF-MD), Thursday, Sept. 29, at Greystone Golf Course. Comprising 30 tournaments at top venues across the nation, this signature fundraiser is touted as the premier amateur golf event for charity, with winners qualifying for the national finals at the famed Pebble Beach Resorts. Practice and registration begin at 11:30 a.m., followed by a shotgun start at 1 p.m. Designed for new golfers and seasoned players alike. For online registration, visit www.NKFGolfClassic.org. To register offline or receive more information about the event and sponsorship opportunities, contact Jenny Trostel at (410) 4948545 or jtrostel@kidneymd.org.


Say you saw it in the Beacon



Leisure &

A highlight of nature walks on the expansive grounds of the Homestead resort is Cascades Gorge, with its many waterfalls.

Enjoy lap of luxury at nearby resorts Luxury accommodations, dining


Naturally, many attractions show up at all three. Begin with accommodations fit for — and historically enjoyed by — presidents, kings and luminaries from other walks of life, such as the Astors, DuPonts and Rockefellers. When feeding royalty, a president or member of high society, the goal is to satisfy palates that are accustomed to the finest in cuisine. Here, too, the challenge is met and exceeded. Formality is the order of the day at the Omni Homestead’s elegant Main Dining Room, decorated with original John Audubon prints, and offering multi-course dinners of “refined continental cuisine” accompanied by dance music. There is also the more contemporary and relaxed Jefferson’s Restaurant, with a sports bar and view of the outdoor spa area, and a number of other venues. Guests at the Greenbrier have a choice of 19 places to dine or grab a bite. Nemacolin offers food options ranging from an old-fashioned ice cream and snack bar to the luxurious Lautrec — one of only 25 restaurants in the world to have simultaneous Forbes Five Star and AAA Five Diamond rankings. The list of other common offerings shared by these esteemed destination resorts continues well beyond food and lodgings. For example, what mega-resort could hold its head high if it doesn’t provide outstanding opportunities for golf on courses laid out by some of the most celebrated designers in the world, including Jack Nicklaus, Arnold Palmer and Pete Dye? Those who prefer to hit a tennis ball will find courts aplenty at the resorts, and guests seeking a soothing treatment in a state-of-the-art spa, or a more energetic experience at a fullservice fitness center, will not be disappointed. The Greenbrier — a venerable resort known for its mineral waters as well as hosting professional golf The list of shared leisure purand tennis tournaments — opened its doors to suits continues. Hiking, biking and 700 displaced residents after West Virginia floodshooting? Check! Indoor and outing in June, building on its history as a 2,000-bed door swimming pools? Of course. hospital during World War II. It has now reopened Archery and fishing? Natch. for resort guests.


By Victor Block We have the good fortune of being within an easy drive of three of the most outstanding resorts in the United States. And each has links to early American history that add a special feel to a visit. The Omni Homestead resort, founded in 1766 and still using pools where our nation’s Founding Fathers frolicked, is nestled in the rolling hills around Hot Springs, Va. The Greenbrier (motto: “America’s resort since 1778”), resides among dense forests that blanket West Virginia’s Allegheny Mountains, and is the home of the formerly top-secret underground bunker meant as a relocation facility for Congress in the event of nuclear war. And Nemacolin Woodlands Resort, which is a modern creation itself, lies in Pennsylvania’s Laurel Highlands, not far from where chief Nemacolin of the Native American Delaware Nation laid out a much-needed route through Britain’s Maryland and Pennsylvania colonies. Each of these venerable vacation venues offers the extensive array of facilities and choice of activities that guests expect from world-class resorts. At the same time, they keep one foot firmly planted in our nation’s storied past.

Visitors to the Homestead can step back to earlier times by enjoying a carriage ride or partake of the present with a video arcade, among dozens of other activities for those of all ages. The resort, which is celebrating its 250th anniversary, occupies 2,300 acres of the Virginia countryside, abutting George Washington National Forest.

But even that lengthy list is just for starters. There also are unique activities and attributes that help each resort stand out not only from each other, but also in comparison with many other top-notch vacation properties around the country.

At home at the Homestead If visitors to the Homestead’s original 18room lodge in Colonial days could return this year to help the resort celebrate its 250th anniversary, they would come upon a very different scene. The complex now sprawls across some 2,300 acres, and a ski center occupies the location of the original lodge. Other winter activities there include snowboarding, snow tubing and ice skating. In warm weather, there are opportunities for biking, hiking, fishing, swimming, canoeing and horseback riding, to name a few. The Homestead also maintains a particularly beautiful patch of George Washington National Forest, through which guided nature hikes are offered. An expansive fitness center and spa with 28 treatment rooms, and an adults-only “spa garden,” appeal to those seeking to enhance themselves both inside and out. And for those traveling with children or grandchildren, a menu of spa treatments and activities for 5- to 17-year-olds comes in handy.

Speaking of children, a play area offers mini-bowling, air hockey, arcade games and more, including child-favorite snacks like pizza and ice cream. The Homestead KidsClub provides supervised activities for 3- to 12-year-olds to keep them happy while giving adults more free time during the day. Then there’s the two-acre water park called Allegheny Springs, and elements designed for young golfers, including junior tees and special scorecards, as well as a miniature-golf course. There also are some welcome surprises for the adults. If you’ve ever harbored a desire to take part in the centuries-old “sport of kings,” here’s your opportunity. The Homestead, like the Greenbrier, has a falconry facility where adventurous guests may learn to interact with trained falcons, hawks and other birds of prey. Tours of the resort, and in some cases beyond, are available by Segway, hay ride and horse drawn carriage. Those seeking to test their aim (or to learn some new skills) have a choice of archery, paintball, skeet and trap shooting, and a shooting range, with lessons available. Then there are “the waters.” The story goes that Native Americans discovered natural warm mineral springs in the area See RESORTS, page 24


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night for a room with one king bed. Call the Omni Homestead at 1-800-8381766 or log onto omnihotels.com/hotels/ homestead-virginia.

From page 23 hundreds of years ago. The Jefferson Pools in which guests soak today got their name after Thomas Jefferson spent three weeks enjoying the mineral baths and relaxing atmosphere of the Homestead. Following his three daily soaks he proclaimed, in typical Jeffersonian prose, that the spring waters were “of the first merit.” Reminders of the Homestead’s colorful past are being recalled throughout 2016 with daily events, as the resort celebrates its 250th anniversary. Activities range from speakers and concerts, to parties, fireworks and historic menu items. Regularly priced rooms range from $300 to $505 a night in September, but specials can bring the price down as low as $170 a

Guests at the Greenbrier The Greenbrier came into the news in June when torrential rains caused massive flooding in West Virginia. Following the disaster, the facility opened its doors to flood victims, housing and feeding more than 700 people who had nowhere else to stay. Less than three weeks after it was forced to close to vacationers, the resort had moved ahead with repairs and reopened for business. By early August, facilities where guests participate in falconry, laser tag and horseback riding were preparing to spring back


into action. Segway tours of the property resumed, the bowling alleys reopened, and the casino was again packed with people trying their luck. Guests seeking to challenge their skills behind a steering wheel headed for the Off-Road Driving course, and plans were being finalized for the fall-to-winter bird hunting season. When Old Man Winter blows in, activities like ice skating and snowmobiling are added to the mix. Wannabe chefs may attend culinary demonstrations to learn step-by-step preparation of dishes they can make at home. Like the Homestead, the Greenbrier has a long history of attracting guests seeking a soothing soak in natural sulphur mineral waters for their health. But far beyond that, the Greenbrier Clinic has been practicing diagnostic medicine since 1948, and in 2014 was expanded to include a full-service MedSpa and Plastic Surgery Center. The facility offers a range of beauty, dermatological and other services.

Other unique claims to fame include hosting professional golf and tennis tournaments, the New Orleans Saints football training camp, and other special events. Rooms range from $238 to $438 a night in September. Log onto www.greenbrier.com or call 1-855-453-4858 for information.

Artistic Nemacolin The property that now includes the Nemacolin Woodlands Resort was purchased at auction in 1987 by Joseph A. Hardy III, the owner of a profitable lumber company, who immediately set about upgrading and expanding the 12-room inn situated there. Since then, it has evolved into a first-class full-service resort — and then some. In addition to the usual features, the property reflects the refined taste and whimsical sense of humor of Joe Hardy and, more recently, of his daughter Maggie Hardy Magerko, who has taken over its management. See RESORTS, page 25


Aug. 24

CRABS AND SLOTS Enjoy a crab feast at Fisherman’s Inn and a visit to Delaware Park

Casino with $30 free slot play on Wednesday, Aug. 24. Cost is $75. Call Essex Senior Center at (410) 687-5113.

Sept. 6

CRUISE THE CHOPTANK Enjoy a crab feast on board the Dorothy-Megan Paddlewheel Riverboat cruise on the Choptank River on Tuesday, Sept. 6. Tickets

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are $85. Call Essex Senior Center at (410) 687-5113 for reservations.



Sept. 7

25-Year Material AND Labor Warranty Included. A $7,750 Value for $3,999!

FOR ART LOVERS Tour Grounds for Sculpture in Hamilton, N.J., on Wednesday, Sept. 7. Cost of the trip is $75 and includes a box lunch. Call Seven

Oaks Senior Center at (443) 608-0613.

Sept. 12+

TOUR LAKE PLACID Visit Lake Placid, N.Y., from Monday, Sept. 12 to Thursday, Sept. 15. Cost is $589 per person, double occupancy, and includes

meals, tours, transportation, gratuities, souvenir gift, lodging, cruise and more. Call Parkville Senior Center at 410-882-6087.

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From page 24 One example is a diverse collection of fine art — consisting of about 1,000 pieces valued at $45 million — that have been gathered over three decades as Hardy purchased items that struck his fancy. As a result, the buildings and grounds resemble a gallery and sculpture garden, with something beautiful or humorous, sophisticated or sassy around every turn, down every hall, and sprinkled throughout the grounds. The treasures also include a museumworth of original Tiffany lamps and Baccarat chandeliers, an extensive seashell and fossil collection, and displays of antique automobiles and airplanes. So varied and extensive is the horde that the resort recently hired a curator who, among other things, leads art tours. Another unusual collection is a zoo’s worth of animals that call Nemacolin’s Wildlife Academy home. Close to 100 species of wildlife reside in large natural

settings on the resort grounds. The menagerie ranges from plebian types like sheep, donkeys and miniature longhorn cattle, to more exotic residents including African lion, Bengal and white tigers, and endangered Iranian red sheep. Along with viewing wildlife, guests may opt for a wild and wet off-road driving experience. After a hands-on tutorial in a specially built Jeep Rubicon, my wife and I steered the vehicle along rugged trails, over massive rocks that tilted us to neartipping angles, and through mud holes so deep that sludge oozed into the vehicle. Our instructor was not exaggerating when he said, “At times you may be going only five miles an hour, but they’ll be the most exciting five miles you’ll ever drive.” Rates at Nemacolin start at $227 a night, but for a real splurge, consider the $2,000 a night Presidential Suite, which features two bedrooms and two and one-half baths on the Club Level. For information and reservations, call 1-866344-6957 or log onto www.nemacolin.com.




Free Fall Baltimore celebrates its ninth year by bringing free cultural activities to your doorstep. With more than 250 unique events anticipated, you’ll be able to find an exciting activity on almost every day in October focused on dance, art, theatre, music, history and writing. For dates, times and locations, and more information, visit www.freefallbaltimore.org.

EXPERIENCES ARE THE MOST VALUABLE CURRENCY. Every destination has a soul worth discovering. Here at !"#$%&'#()%"*+",-#."*)/+0#1)2#3'44#5&-#"6"/1+!'&7# you need to experience a stay unlike any other.








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Nemacolin Woodlands Resort in Pennsylvania boasts some unusual attractions — including a 1,000-piece art collection, a five diamond-rated restaurant, and close to 100 species of wildlife on its grounds.



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Style Arts &

Participants enjoy a class at the Osher Lifelong Learning Institute, one of many continuing education options in the area. See story on facing page.

Vagabond Players celebrate 100 years tained its amateur status despite urgings for it to turn professional. Perhaps as a result, the Vagabond Players has outlived the Provincetown Playhouse in Massachusetts and the Neighborhood Playhouse in New York, both of which were little theaters that turned professional and shortly thereafter dissolved. The Vagabond has a “solid” subscriber base, said the Evanses, and a diverse audience ranging from young downtown hipsters to retirement community residents. The intimate auditorium seats just 98. “The audience enjoys being so close to the actors,” said Carol.

Bargain-priced tickets And because, as a nonprofit community theatre, actors and directors do not get paid, subscription prices are reasonable. The six-performance season is $84. (Single ticket prices for seniors (65+), students and military range from $10 to $22, depending on day of the week and whether a play or a musical. Musicals are more expensive because of higher royalty and musicians’ fees.) Attendance in the spring of 2015 de-

clined because of Baltimore’s riots, but ticket sales have rebounded, for which the Evanses are grateful. “It’s important to have live theater in a community, and to strive to represent that community,” said Tim, who handles “everything electronic,” from online ticket sales to social media. Vagabond’s actors and directors have various reasons for parAll My Sons, opening Sept. 9, kicks off the ticipating in productions that take Vagabond Players’ 100th season. Carol Evans, Jeff hours of effort but pay nothing. Murray, Sean Kelly and Rachel Roth star in the Jeff Murray says, “I’ve always wrenching family drama by Arthur Miller. loved to act. Now that I’m retired, Vagabond will hold a gala on Oct. 16 to celebrate its centennial. I can afford to indulge my ego.” The way Sean Kelly puts it is, “When you find what makes you sent his business partner to prison and led feel alive, the experience is all you look for.” to hundreds of pilot fatalities. Carol Evans adds, “No one would mind The remainder of the season includes: being paid, but it would not make acting Oct. 21 to Nov. 20: Avenue Q, winany more fulfilling.” ner of the Tony “Triple Crown” for Best Musical, Best Score and Best Book. The The 2016-17 season show tells the story of a recent college Last year’s season reprised many of the graduate who moves to a surprising neighVagabond’s popular shows from the past, borhood where newfound friends struggle such as Our Town and Moon Over Buffalo. to find jobs, dates, and their ever elusive This coming season begins with Arthur purpose in life. Miller’s All My Sons (“Bring the tissues,” Jan. 6, 2017 to Feb. 5, 2017: The Carol advised). All My Sons runs through Complete History of America. Who Oct. 2 and centers on the all-American really discovered America? Why did Abe dream of success, which is about to be Lincoln free the slaves? How many Deshattered when questions arise regarding mocrats does it take to screw in a lighta successful businessman’s role in a See VAGABOND PLAYERS, page 28 wartime manufacturing scandal that has PHOTO BY TESSA SOLLWAY

By Carol Sorgen Baltimore’s Vagabond Players, “America’s Oldest Little Theatre,” may be celebrating the past 100 years, but it has its sights set firmly on upcoming seasons. With renovated space, a new season beginning Sept. 9, and an upcoming gala party on Oct. 16, it’s a time to give thanks for the past but also look to the future, say longtime board members Carol and Tim Evans. “We’re very proud of what we do here,” said Carol, who manages publicity for the theater. The Vagabond Players was established in 1916 during the popular Little Theatre Movement, and quickly established itself as an important part of theater history. The first play produced by the Vagabond was The Artist, an original piece submitted by the “Sage of Baltimore” himself, H.L. Mencken. The Vagabond also encouraged and produced the writings of a young and, at the time, unknown Eugene O’Neill, as well as by Arthur Schnitzler, and introduced to Baltimore new works by August Strindberg and Maurice Maeterlinck. During the 1920s, this “little theater” re-

Cars, boats, furniture, antiques, tools, appliances Everything and anything is sold on

Radio Flea Market Heard every Sunday, 7-8:00 a.m. on 680 WCBM

Say you saw it in the Beacon | Arts & Style



Choice of continuing education classes By Carol Sorgen September traditionally means back to school, and that’s true no matter what age you are. Baltimore offers a range of continuing education classes that are sure to pique your interest. Here are just a few:

Osher Lifelong Learning Institute The mission of the Osher Lifelong Learning Institute at Towson University is to offer adults, age 50 and older, opportunities for continued learning, along with programs and activities for social and cultural enrichment in a congenial and supportive environment. Courses are offered in such areas as the fine arts, movies, humanities, social sciences, natural sciences, languages, current events and a book club. Membership fees are $50 for an individual and $75 for a couple per year. For $150 per semester, members may take an unlimited number of four- or eightweek courses each semester. The fee for one four-week course is $65. The fee for one eight-week course or two four-week courses is $130. To learn more or for an information packet, call (410) 704-3535, email osher@towson.edu, or visit http://bit.ly/osherbaltimore.

Renaissance Institute The Renaissance Institute at Notre

Dame of Maryland University is an active group of men and women who have reached the age of 50 and are interested in pursuing lifelong learning and intellectual growth. Courses include public affairs, literature, writing, history, philosophy, music, art, languages, t’ai chi, film, science, computers, water aerobics, dance and acting, and more. Enroll in as many Renaissance courses as you wish every fall and spring semester. Fall tuition is $215; full year tuition (fall plus spring) is $400. For more information, call Linda Kuehn at (410) 532-5351, email lkuehn@ndm.edu, or visit www.ndm.edu.

Maryland Institute College of Art (MICA) The School for Professional and Continuing Studies at this renowned art school offers a wide range of fine arts and design courses as well as professional development opportunities for creative professionals. Continuing study classes are offered in the fields of drawing, painting, clay, photography, and more, plus software tools such as Adobe Creative Suite. Classes are offered in fall, spring, and summer.

Non-credit classes are $200, while community education classes for college credit, but not for full-time admitted college students, range from $630 to $840. To learn more, call (410) 669-9200 or visit www.mica.edu.

Community College of Baltimore County (CCBC) Life enrichment classes for all ages run See EDUCATION, page 28

Kaleidoscope Lifelong Learning The goal of Kaleidoscope at Roland Park Country School is to foster a lifelong love of learning. Over 100 Kaleidoscope programs with more than 1,000 participants are held in the fall, spring and summer. Programs include book talks; local, regional and international travel; creative pursuits; technology; culinary arts; personal development; and more. Classes range from a few free sessions, to $15 for some single session classes, to more than $200 for multi-session classes and trips. For more information, call (410) 323-5500, ext. 309, or visit www.rpcs.org.

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Vagabond Players From page 26 bulb? From Washington to Watergate, from the Bering Straits to Baghdad, this is an entertaining look at 600 years of history in 6,000 seconds. Feb. 24, 2017 to March 19, 2017: Motherhood Out Loud, celebrates the experiences of motherhood that span and unite generations. April 7, 2017 to May 7, 2017: The Odd Couple, the always popular story of neurotic neat-freak Felix Unger who moves into sarcastic and sloppy Oscar

Madison’s shambles of an apartment. May 26, 2017 to June 25, 2017: See How They Run, a comical farce set in a conservative post-war English village, complete with an unconventional American actress, the local vicar, a ditsy maid, a nosy spinster, an escaped German POW, and a portly bishop. To cap off the 100th anniversary celebration, the Vagabond is hosting a gala rooftop party at the Admiral Fell Inn, on Sunday, Oct. 16, from 6 to 9 p.m. The special event will include a buffet dinner, photos and other memorabilia, musical performances, and the opportunity to re-unite


with actors, directors, designers and crew from the hundreds of productions the theater has presented to Baltimore audiences over the past century. “We wanted to do something nice — and affordable — for our supporters,” said Carol, with Tim adding, “This is not a fundraiser. It’s a celebration and a thankyou to everyone who is a part of us.” As excited as the Evanses are about the theater’s anniversary and its celebration gala — “We made it to 100!” — they’re equally excited about what lies ahead. “Our future is the important thing.”

For more information about the Vagabond Players, to buy tickets, memberships, or make a donation, call (410) 563-9135 or visit their website, www.vagabondplayers.org. The Vagabond Players is located at the foot of Fells Point at 806 S. Broadway. Gala tickets are $50 per person until Sept. 30; $65 per person thereafter. Tickets must be purchased in advance, no later than Oct. 9, and are now on sale on their website. You can also order your tickets by mail. Include a check and mail your order to: Vagabond Players, Attn: Bruce Levy, 806 S. Broadway, Baltimore, MD 21231.


Institute for IslamicChristian-Jewish Studies

From page 27 the gamut from arts to boating, fitness, outdoor activities, crafts, health and wellness, hobbies, languages and more. There is a separate division for seniors, with courses offered in areas such as the arts, computers, history/politics, and humanities and culture. Current life enrichment class fees range from $85 to $369. Some classes may have reduced fees for those age 60 and older. For more information, call (443) 840-4700 or visit www.ccbcmd.edu.

Women’s Institute of Torah The Rebbetzin Frieda K. Hirmes Women’s Institute of Torah (WIT) provides continuing education courses and programs to women of the Baltimore Jewish community. Courses and programs are designed to enhance personal knowledge and enrich one’s Jewish experience. Classes are $60 each, but are free for members. Membership is $250. For more information, call (410) 358-2545, email witbaltimore @verizon.net, or visit www.witbaltimore.org.

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The Institute for Islamic-Christian-Jewish Studies (ICJS) is a nonprofit organization that concentrates on disarming religious hatred and establishing models of interfaith understanding. It aims to build transformational learning communities that are interreligious, interdisciplinary and intergenerational, bringing together scholars, educators, clergy, seminarians and lay people from the Jewish, Christian and Muslim traditions, as well as those who are unaffiliated. To learn more, call (410) 494-7161, or visit www.icjs.org.

Odyssey Non-Credit Liberal Arts Programs For more than 20 years, Odyssey has offered a wide selection of courses, workshops and lecture series delivered by Johns Hopkins University faculty and community experts. Personal enrichment programs are offered in fields ranging from science to art, writing to photography. Fall classes range from $30 to $350, depending on the duration of the class. For more information, call (410) 516-4842, email odyssey@jhu.edu, or visit www.odyssey.jhu.edu.

Say you saw it in the Beacon | Arts & Style


Crime writer


From page 1

Lifelong Baltimore resident

market a good book,” he said. Among what’s needed is being active on social media, he added. In fact, Ellwood has gotten to the point where, “in the past few years, I have found myself giving advice to prospective writers.” While writing the children’s book proved to be the most challenging of his book-writing experiences, crime/mystery novels are Ellwood’s favorite genre. “It makes you dig deep into your knowledge of law enforcement to come up with different scenarios,” he explained. “I find it amazing what you can come up with as you progress along with the writing of a crime

Ellwood comes from a family of three sisters and two brothers (one of whom was also a police officer), raised in a Baltimore neighborhood called “The Tenth Ward” — a mostly Irish neighborhood near the Greenmount Cemetery. It is the same neighborhood in which he served as an officer for years. Now 72, Ellwood resides in Timonium with his wife, Sharon, to whom he is quick to give credit for her help and support. “My wife has played a tremendous role in all my books,” he said. “She is a retired school teacher, and her editing skills are excellent. The most important part of writing a book is editing. My books would not

have written four books.” Still keeping busy marketing his latest novel, Ellwood hasn’t yet started his next book, though the brainstorming has begun. “I do have some thoughts on another book, but it is really in the early stages of the process,” he said. Ellwood’s books are available on Amazon.com, CreateSpace.com, IUniverse.com and in bookstores. He will be at the Ukazoo bookstore in the Dulaney Valley Shopping Center on Aug. 27 at 1:30 p.m. to sell and sign his most recent book, The Dark Side of Blue.



be successful if it were not for her expertise in grammar and punctuation.” When the Timonium-based couple isn’t teaming up to bring Ellwood’s books to print, they spend time reading or playing tennis, volunteering, and spending time with their grandchildren. Not only has Ellwood found fulfillment in writing itself, but also through interactions with his readers. “It has been amazing to see the reactions from people when I sell books at fairs and festivals,” he said. “They are sometimes amazed that a police officer would















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Crossword Puzzle


Daily crosswords can be found on our website: www.TheBeaconNewspapers.com Click on Puzzles Plus Cubic Feat 1



By Stephen Sherr







12 16


23 26

28 32




Scrabble answers on p. 29.







45 50



46 52








33 38

























59 64 66




1. Tube-shaped pasta 5. Award for Word’s Greatest anything 8. Gentrification target 12. Mid-month days 13. Proverbial bonnet-dweller 15. ___graph (Edison invention) 16. Group exempt from the Do-Not-Call Registry 18. Containing ancient lettering 19. Legally independent 21. Top-10 Middle Eastern name 23. Naval specialist 24. Slow/snail separator 25. The eastern end of Buffalo 26. “Hitch your wagon ___ star” (Emerson) 28. ___ with faint praise 30. Cable company’s claim 36. “When you are ___ your neck in alligators, it’s time to drain the swamp” 37. Soldiers’ support group, first chaired by FDR 38. Federal Housing Administration Insurance, briefly 39. A star’s brightest days 44. Rivals of the NBA’s Spurs 45. Is there ___ in the house? (extra-brief shout) 46. Apple option 47. Venomous snake 49. He did not patent his first “safety elevator” 52. They are signed, sealed, and delivered 54. Provide clarity (and this puzzle’s product) 57. Straight and to the point 58. Exceptionally slim 62. Makes a stink 63. Home-seller of Daring Definition Mascara 64. Vatican currency 65. 47% of the numbers on a roulette wheel 66. Times Square time (sometimes) 67. Use a bible

1. Code on an envelope 2. What the bride cried 3. It may be divested from AT&T 4. Earth’s second largest religion 5. Flag-waver 6. Taxi alternative 7. Non-paying day care attendees 8. Avoid, en masse 9. Careful ways to think 10. Lightyears and millimeters 11. Starbucks coffee flavor 14. Finesse finish 15. Undergrad’s concentration 17. Announce one’s birthplace 20. Angel actress who replaced Fawcett 21. Rightmost letter in the Hebrew alphabet 22. Having a short fuse 25. What New York does to New Jersey 27. Snug as ___ in a rug 29. Cause offense 31. AUTOHARP center 32. Cigar debris 33. ___ dry eye in the house 34. Makes a lion more like a lamb 35. Hightailed it 40. Bring to mind 41. This ___ (Samsung slogan) 42. Left-over piece 43. Less restricted 47. The Jetsons’ pet 48. Measure of sound or light 50. Its nickname honors Chief Black Hawk 51. Pyramid builder 53. Benzyl acetate, for example 55. Invites to a dance 56. Flying saucers 59. Paint can nuance 60. Nest egg fund 61. Agree silently

Answers on page 29.


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; 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.

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For Rent/Real Estate 21 ACRES WOODED LOT FOR SALE – Close to Fort Bragg, NC. Call Paula, 410-4289937.

For Sale

PARKWOOD CEMETERY – 2 lots including a heart-shaped headstone. Value $10,000. Asking $5,000. Call 410-567-7846.

Note: Each real estate listing counts as one business text ad. Send your classified ad with check or money order, payable to the Beacon, to:

4 CEMETERY LOTS at Gardens of Faith – Rosedale. Asking ½ price for each vlot or best offer. Call 410-284-2070. MODEL KITS FOR SALE, Cars, trucks, planes, boats, military, NASCAR etc. Anywhere from 3 to 5 hundred kits. Would like to sell all at once. Call Joe, 410-522-0148. GLEN HAVEN MEMORIAL PARK – 2 plots currently worth $4,500. Selling for $1,995. 443996-1937.

ASSESSMENT ADMINISTRATORS: Seeking motivated individuals to proctor assessment sessions with 4th- and 8th-grade students in schools for the National Assessment of Educational Progress. Must be available to work January 30 –March 10, 2017. Paid training, paid time and mileage reimbursement for local driving, and weekly paychecks. This is a parttime, temporary position. To apply, visit our website at www.westat.com/CAREERS and select “Search Field Positions.” Search for your state, find the NAEP Assessment Administrator position, and select the “apply to job” button. For more information email NAEPrecruit@westat.com or call 1-888-237-8036. WESTAT. EOE.

2 SALVADOR DALI woodblock prints from Dante’s Divine Comedy. Signed and framed. Asking $900 for the pair. Can email pictures if desired. Call Steve, 410-913-1653.

BELAIR ROAD AREA – Large, quiet furnished bedroom, with private bath for rent on 2nd floor of private home, with refrigerator and microwave provi ded. Reasonable. 410-4851702. ROOM FOR RENT – Rosedale area near Golden Ring Mall. Comfortable furnished room. No smoking. Near bus lane. $115 to $130. 410252-7448.

Deadlines and Payments: Ad text and payment is due by the 5th of each month. Note: Only ads received and prepaid by the deadline will be included in the next month’s issue. Please type or print your ad carefully. Include a number where you can be reached in the event of a question. Payment is due with ad. We do not accept ads by phone or fax, nor do we accept credit cards. Private Party Text Ads: For individuals seeking to buy or sell particular items, or place a personal ad. Each ad is $10 for 25 words, 25 cents for each additional word.

Business and Employment Opportunities

For Rent/Real Estate


PARKWOOD CEMETERY, 3 PRIME LOTS. Taylor Avenue with perpetual care. Current price, $3,995 each. Asking $3,000 each or $7,500 for 3. Includes deed transfer. 410-4721660.

CLOCK, NEW ENGLAND WEIGHT DRIVER, Earrings (Carat Diamond), Towle Silver Serve 8, Lenox Dishes, Lamp Crystal Ginger Jar, Oriental rug runners (forest green). 410870-6898.

Business Text Ads: For parties engaged in an ongoing business enterprise. Each ad is $25 for 25 words, 50 cents for each additional word.

The Beacon, Baltimore Classified Dept. P.O. Box 2227, Silver Spring, MD 20915-2227 Home/Handyman Services


BALTIMORE’S BEST JUNK REMOVAL – Clean Outs: Whole House, Emergency, Attics/Basements. Furniture and Junk Removal, Yard Waste Removal, General Hauling, Construction Debris Removal. Free estimates. 10% Senior Discount. Licensed, Bonded and Insured. Call Jesse, 443-379-HAUL (4285). www.baltimoresbestjunkremoval.com.

equipment and tackle boxes, fountain pens, Christmas garden items, crocks and jugs, lamps and lanterns, pottery, military items, sports memorabilia, advertising signs, paintings and contents of attics, basements and garages. Professional, no pressure individual with over forty years of experience. Lloyd D. Baker. 410-4094965. 717-969-8114, office.

SANFORD & SON JUNK REMOVAL. Trash + Junk removal, house & estate cleanouts, garage + basement cleanouts. Demolition – Shed, deck fence + pool removal. Licensed + insured. Free estimates over the phone. Call 7 days a week, 7 am to 7 pm. 410-746-5090.

BUYING ANTIQUES, ESTATES. 20-year Beacon advertiser. Cash paid for jewelry, gold, silver, old coins, pens, art, old toys, dolls, trains, watches, old comics, sports memorabilia, military guns, knives, swords, all collections. Tom, 240-476-3441.

Personals Health NEW CLASS FORMING – BALLET FOR BALANCE. No Experience Necessary. Build strength, coordination and balance. Thursdays 10:00am-11:15am at The Moving Company, 9954 York Road, Cockeysville. For more information contact Bonnie Schulman 443-415-7117.

Home/Handyman Services BORN AGAIN REFINISHING c/o Vernon E. Madairy Sr. Because your antique and fine furniture is an investment. Photographs at www.bornagainrefinishing.com. Furniture refinishing & repairs. All pieces hand striped. Restorations. Missing pieces hand-carved. Veneer repair and replaced. Upholstery. Kitchen cabinets refinished. Hand-woven natural cane. Cane webbing. Natural rush. Fiber rush. Wood splint. Residential and commercial. Since 1973 (43 years). 410-323-0467.

SWF AGE 60 EDUCATED, seeks Christian male, ages 58-72, with good interpersonal communication skills for friendship or dating. Call 443-851-0726.

Wanted WE BUY GOLD AND SILVER JEWELRY. Costume too. Gold and silver coins, paper money, military, crocks, old bottles and jars, etc. Call Greg, 717-658-7954. WE BUY STERLING SILVER FLATWARE, tea sets, single pieces of silver, large pieces of silver plate. Attic, basement, garage. You have something to SELL, we like to BUY. Call Greg, 717-658-7954. CASH BUYER FOR OLD COSTUME JEWELRY – wrist and pocket wrist watches (any condition). Also buying watchmaker tools and parts, coins, quilts, old toys, postcards, trains, guns, pocket and hunting knives, linens, fishing

BUYING VINYL RECORDS from 1950 through 1985. Jazz, Rock-n-Roll, Soul, Rhythm & Blues, Reggae and Disco. 33 1/3 LPs, 45s or 78s, Larger collections of at least 100 items wanted. Please call John, 301-596-6201. FINE ANTIQUES, PAINTINGS AND QUALITY VINTAGE FURNISHINGS wanted by a serious capable buyer. I am very well educated [law degree] knowledgeable [over 40 years in the antique business] and have the finances and wherewithal to handle virtually any situation. If you have a special item, collection or important estate I would like to hear from you. I pay great prices for great things in all categories from oriental rugs to Tiffany objects, from rare clocks to firearms, from silver and gold to classic cars. If it is wonderful, I am interested. No phony promises or messy consignments. References gladly furnished. Please call Jake Lenihan, 301-279-8834. Thank you. COLLECTOR BUYING MILITARY ITEMS: Helmets, weapons, rifles, shot guns, knives, swords, bayonets, web gear, uniforms, etc. from all wars and countries. Large quantities are okay. Will pay top prices for my personal collection. Discreet consultations. Call Fred, 301-910-0783.

ADVERTISERS IN THIS ISSUE Clinical Research Studies

Addicted to Pain Medication Study . .16 Brain Imaging Memory Study . . . .17 Balance Study . . . . . . . . . . . . . . . . .15 Dementia Behavior Study . . . . . . . .16 Pain Medication Study . . . . . . . . . .15 Iron Supplement Study . . . . . . . . . .17 Memory Loss Drug Study . . . . . . .16

Dental Services

Diamond Dental of Owings Mills .14 Mishpacha Dental . . . . . . . . . . . . . .12 Northern Parkway Family Dental . .11


CCBC Senior Institute . . . . . . . . . . .5


Beacon 50+Expo . . . . . . . . . . . . . . .32 Jewish Community Services . . . . . .27

Financial Services

Baltimore Life Insurance . . . . . . . . .4 Bennett Senior Services . . . . . . . . .19

Debt Counsel for Seniors and the Disabled . . . . . . .19 JS Richardson Insurance . . . . . . . . .19 PENFED Credit Union . . . . . . . . . .21 Secure Benefits Alliance . . . . . . . . .20

Hearing Services

Hearing & Speech Agency . . . . . . . .9

Home Health Care

DAR Healthcare . . . . . . . . . . . . . . .13 Independent Home Care . . . . . . . . .27 One Day At A Time Personal Care .20 Options for Senior America . . . . . .26


Atrium Village . . . . . . . . . . . . . . . . .7 Briarwood Estates . . . . . . . . . . . . . .12 Buckingham’s Choice/Integrace . . . .4 Charlestown/Erickson . . . . . . . . . .13 Christ Church Harbor Apts. . . . . . .16 Fairhaven/Integrace . . . . . . . . . . . . .4 Gatherings at Quarry Place/Beazer Homes . . .22 Linden Park Apts. . . . . . . . . . . . . . .29


Oak Crest/Erickson . . . . . . . . . . . .13 Park Heights Place . . . . . . . . . . . . .28 Park View Apartments . . . . . . . . . .10 Shangri-La Assisted Living . . . . . .28 St. Mary’s Roland View Towers . . .29 Virginia Towers . . . . . . . . . . . . . . . .29

Home Safe Home . . . . . . . . . . . . . . .7 Homelife Remodeling . . . . . . . . . . .24 Sudzy Pets . . . . . . . . . . . . . . . . . . . .11

Legal Services

Skilled Nursing & Rehabilitation

Frank, Frank & Scherr Law Firm . .20 Law Office of Karen Ellsworth . . .21


Dr. Richard Rosenblatt, DPM . . . . . .8 Physical Therapy and Wellness Center . . . . . . . . . . . . . .14 SentinelCare . . . . . . . . . . . . . . . . . .15 Skin Cancer EB . . . . . . . . . . . . . . .13 Stuart Goldman, DPM . . . . . . . . . . .9 UM Health Advantage . . . . . . . . . . .8

Real Estate

The Bob Lucido Team . . . . . . . . . . .3


Greg Young, Exterminator . . . . . . .21


Radio Flea Market . . . . . . . . . . . . .26 CommuniCare Health . . . . . . . . . . .12 Keswick . . . . . . . . . . . . . . . . . . . . .14 Manor Care Health Services . . . . . .11


The Beacon . . . . . . . . . . . . . . . . . . .30

Theatres/ Entertainment

Toby’s Dinner Theatre . . . . . . . . . .27


Eyre . . . . . . . . . . . . . . . . . . . . . . . . .24 Festive Holidays . . . . . . . . . . . . . . .24 Nexus Holidays . . . . . . . . . . . . . . . .25 The Homestead . . . . . . . . . . . . . . . .25

32 More at TheBeaconNewspapers.com


Profile for The Beacon Newspapers

September 2016 | Baltimore Beacon  

September 2016 | Baltimore Beacon Edition

September 2016 | Baltimore Beacon  

September 2016 | Baltimore Beacon Edition