Grand Living Magazine

1 Grand Living Magazine www.grandlivingmag.com

Delmarva’s Premier 50+ Magazine

www.grandlivingmag.com

Grand Living

Vol.

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Complimentary

Preferred Docs

How To Be A Good Little League Coach

The REVERSE MORTGAGE

Chinese Herbalism

Summer Camp: A Gift to Your Grandchildren & Yourself


Due to the recent expansion of our Georgetown facility, we now have room for more people in our Adult Day program!

Call NOW to reserve your space!

Adult Day Program & Alzheimer’s Program

When illness or disability occurs, Easter Seals can help. Our Adult Day program provides a safe, secure and active environment for your loved

one, while allowing you to rest, work or take care of other needs.

• Transportation and meal provided• Flexible schedules

• Continue to live at home• Affordable compared to other options

• Alzheimer’s respite each Wednesday


Choose Vacation!Go ahead...take that well-deserved vacationwith the peace of mind that your loved onewill be enjoying a vacation of their own in asafe, secure environment with licensed nurseson-site 24/7.

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There are so many good choices available — but only one great one...

Choose Brandywine! Call the location nearest you to schedule atour & complimentary lunch...plus learn themany benefits our short-term respite stayshave to offer.

BRANDYWINE ASSISTED LIVINGAT FENWICK ISLAND21111 Arrington Drive | Selbyville, DE 19975

302.436.0808

BRANDYWINE ASSISTED LIVINGAT SEASIDE POINTE36101 Seaside Blvd. | Rehoboth Beach, DE 19971

302.226.8750

Brandywine Senior Livinghas Locations throughout

NJ, PA, DE, CT, NY

www.Brandycare.com1-877-4BRANDY


C

Cover:Grand Living’s Premier Issue of

“Preferred Docs.”

Grand Living Magazine is published six times a year; Jan., Mar., May, July, Sept., and Nov. It is circulated throughout Worcester, Wicomico & Sussex counties, by Grand Living Magazine, LLC. Grand Living Magazine is protected under trademark registration. “Grand Citizens”™ is also protected under trademark. No portion in whole or part maybe reproduced without written permission of the publisher. Copyright 2010 ©, Grand Living Magazine LLC. All rights reserved. Content in Grand Living Magazine is intended to provide information only, and is in no way meant to treat or diagnose. Always consult with a speciality professional (i.e. medical, financial, etc.) to address your own personal needs. The company makes every effort to ensure that all information presented is correct. However, we do not make any representations or warranties as to the accuracy of the information, and reliance on information provided is solely at your own risk.

PublisherSandy Phillips

Associate Publisher

Farin Phillips

EditorLou Ann Hill

Creative

Farin Phillips

PhotographyKyle Hughes,

Next Wave Studios

Contributing Writers Polly Elliott

Therese. H. Ganster, ACSW, MPM Marie Nottingham

James W. Respess, Esq.Mark Stoehr, MAC, LAC

For Advertising, Call: Grand Living Main Office

(410)726-7334 [email protected]

Field Management Phil Lewis

Brandon Phillips

Grand Living Magazine

Choosing a doctor is an important decision. Although most often we are referred to a specialist by our primary care physician, we still have choices. There are times when you require a second opinion and seek another professionals in the same speciality. Times when you’re just not comfortable with the doctor or service, for what ever reason. Most of us will ask friends and family for doctors names, however the service you seek maybe outside the family/friend sphere of knowledge. Where then? If you’re looking over your insurance provider list and don’t see a name that’s been mentioned, how do you choose? Your insurance company does not make recommendations, only lists physicians that participate in that particular plan. Grand Living has polled its readers asking for their suggestions.In this premier issue of Preferred Docs, we had a very wide range of response, from General Practitioners to Specialists. The Doctors recommended here have not paid to have their name mentioned, but their names are mentioned because a patient took the time to share their experience in hopes it might help others. This list is not all inclusive of our responses, but a sampling. Grand Living makes no recommenda-tions in these pages, we are simply sharing readers comments, in hopes they might offer some direction to other readers.

Sandy

Grand Living Magazine www.grandlivingmag.com 5

Contents

Preferred Docs 2012pg. 8

6 Learning Curve13 How to be a Good Little League Coach14 Cutting the Clutter at Tax Time 15 The Reverse Mortgage Now 16 When the Rubber Hits the Road, Good Communication

17 Thrashers: the Inside Story Excerpt from Inside Ocean City

18 Chinese Herbalism21 Summer Camps A Gift to Your Grandchild and Yourself

25 Hearts Desire

pg. 13

pg. 24


Learning Curve

Varicose veins are enlarged veins that are swollen and raised above the surface of the skin. They can be dark purple or blue, and look twisted and bulging. Varicose veins are commonly found on the backs of the calves or on the inside of the leg. They develop when valves in the veins that allow blood to flow toward the heart stop working properly. As a result, blood pools in the veins and causes them to get larger. Varicose veins affect 1 out of 2 people over age 50. They are more common in women than men. Hemorrhoids are a type of varicose vein. Spider veins are like varicose veins, but they are smaller. Exercising, losing weight, elevating your legs when resting and not crossing them when sit-ting can help keep varicose veins from getting worse. Wearing loose clothing and avoiding long peri-ods of standing can also help. If varicose veins are painful or you don't like the way they look, your doctor may recommend procedures to remove them.

Varicose Veins

A hormone called DHEA appears to help ease women's menopausal symptoms and also improve their sex life, a small, new study says. This is the first evidence that low doses of DHEA (dehydro-epiandrosterone), a hormone secreted by the adrenal glands, can help sexual function as well as menopausal symptoms, according to the researchers at the University of Pisa in Italy. The study included 48 postmenopausal women who'd expe-rienced troubling symptoms for a year. They were divided into four groups: 12 took vitamin D and calcium to prevent osteo-porosis; 12 took a low dose of DHEA; 12 were given standard hormone replacement therapy (HRT) of estrogen plus progester-one; and 12 took tibolone, a synthetic steroid. The women's menopausal symptoms and levels of sexual interest and activity were monitored for a year. At the end of that time, all the women receiving the hormone replacements showed improvements in menopausal symptoms, but there was no significant improvement among those taking vitamin D and calcium. The study also found that women taking DHEA had a statistically significant increase in sexual interest and activity, with similar results for women in the HRT group. Sexual activity was also higher among the women taking tiboline, but the increase was not statistically significant. The findings, published in the December issue of the journal Climacteric, indicate the need for larger clinical trials to confirm the benefits of DHEA in women after menopause. "This is the first time that a controlled trial has shown that low doses of the hormone DHEA may be able to help women deal better with menopausal symptoms, as well as helping their sex life. The work shows that DHEA has potential, especially for those women who may have problems in taking more conven-tional HRT. But this is a small study, a proof of concept. What we need to do now is to look at a larger study, to confirm that these initial results are valid," study leader Professor Andrea Genazzani said in an International Menopause Society news release. "This is an interesting result, although we must bear in mind that this is a pilot study with a small sample. Nevertheless, it does indicate that DHEA has potential as a therapy to help women deal with the physical discomfort of the menopause, as well as helping them sexually," journal co-editor Dr. Anna Fen-ton said in the release. "We can't yet say that this study means that DHEA is a viable alternative to HRT, but what we can say is that we should be looking to do larger studies to confirm these initial results," she added.SOURCE: International Menopause Society

A Hormone Called DHEA According to the U.S. Department of

Energy, Air leakage, or infiltration, occurs when outside air enters a house, uncontrollably through cracks and openings. Properly sealing such cracks and openings in your home can signifi-cantly reduce heating and cooling costs, improve building durability, and create a healthier indoor environment. During cold or windy weather, too much air may enter the house. When it’s warmer and less windy, not enough air may enter. Air infiltration can also contribute to problems with moisture control. Moldy and dusty air can enter a leaky house through such areas as attics or foundations. This air in the house could cause health problems. The recommended strategy in both new and old homes is to reduce air leakage as much as possible and to provide controlled ventilation as needed.

Leaky Door


Learning Curve

A recent study that included 31 obese people who underwent treatment for gum disease, half of the patients (average body-mass index, or BMI, of 39) had gastric bypass weight loss surgery and also had fat cells removed from their abdomen. The other patients (average BMI of 35) did not have gastric bypass surgery or fat removed from their abdomen. All the participants underwent nonsurgical periodontal (gum) treatments of scaling and root planing. Each received instructions for oral hygiene at home. According to Case Western Reserve University School of Dental Medicine, both groups showed overall improvement in gum health, but those in the surgery group showed greater improvement on measures for periodontal attachment, bleeding, probing depths and plaque levels. The study was published in the Journal of Periodontology.The improved response to periodontal treatment may be due to reductions in insulin resistance and inflammation associated with weight loss.

A New Study Indicates Losing Weight Appears to Help Fight Gum Disease.

What Do You Know About Parkinson’s Disease? April is National Parkinson’s Awareness Month. You might be surprised to know that this disease affects one out of ten people over the age of 80, and one of 100 over age 60. In fact, it is the second most prevalent neurodegenerative disease among adults after Alzheimer’s. The disease affects over one million Americans and more than 7,000 residents on the southern half of the Delmarva Peninsula. The cause is unknown, but some combination of genetic predisposition and environmental factors are likely. Parkinson’s disease (PD) is a chronic and progressive disease that has been steadily killing brain cells for years before the symptoms become noticeable. The affected cells produce dopamine, which our central nervous system uses to transmit movement instructions throughout the body. As we lose dopamine the messages slow down, and so does the body. The key symptoms become obvious – tremor, rigidity, slowness of movement, balance and other gait issues, like shuffling, reduced arm swing, and freezing. These are called “motor symptoms.” However, there are plenty of “non-motor symptoms” too. Cognitive speed slows; problem solving, planning, recall of learned information and multi-tasking become more difficult. Issues ar-rise affecting sleep, the bladder and digestive systems, unexplained pain, anxiety, hallucinations, and even dementia can occur. There is no cure. Treatment primarily involves using medication to manage symptoms. Deep Brain Stimulation, a surgically implant-ed pacemaker that sends electrical signals to parts of the brain, can control some symptoms. Research continues to seek new medica-tions and new methods of delivering medications. Gene therapy and stem cell applications are being explored to slow, stop or even reverse the progression of the disease. Exercise is therapeutic. There is help! The Lower Shore Parkinson’s Support Group meets monthly in Salisbury. For information call 410-749-8511 or email [email protected]. To find other support groups nearby go to http://www.delmarvaparkinsonsalliance.org. To benefit support group efforts, Parkinson’s research, and have a good time, visit http://www.partyforparkinsons.com/ and join us April 28th.

According to Michael H. Perskin, MD, assistant professior of medicine and an internist at the New York University Langone Medical Center, “The average number of prescription medications taken by people over 65 is five or six. As you get older, it increases and so does the potential for drug interaction.” You may think that over-the-counter (OTC) medications are always safe, but if you are taking them with prescrip-tion medications it’s a good idea to consult with your medical professional or pharmacist first. Take precautions to protect yourself from potential drug interation by using only one pharmacy. Talk with your pharmacist about any vitamins or herbs you might be considering as well. He or she can likely tap into your pharmacy record and look for potential complications. Carry a updated list of your current medications with you, when visiting with the doctor. Again, be sure to include vitamins and herbs. If you choose to take an OTC, carefully read the labels and follow the directions accordingly.

OTC Medications


GPreferred Docs 2012

Grand Living received a wide variety of responses to our reader poll. Although we are not able to include all of the doctors that made the poll, we would like to share some of the diverse comments we received on the following pages. From this poll, we can clearly see Delmarva has a wealth of outstanding physicians to serve the shore, and they cover a large degree of specialities.Gone are the days of traveling for specialized care. Today, the shore’s medical facilities offer such cutting edge technology and care. Read on to find this years group of note worthy docs according to the GLM readers.

Internal MedicineVel Natesan, M.D.1415 S. Divison St. Salisbury, MD 410-749-4400 “Dr. Natesan sees and treats me as a person — a real person. He remembers who I am from meeting to meeting. We are a team, partners. He uses his skill and knowledge to help me cope with a long term medical problem. His appointments are on time and he is available when I have an unexpected problem. I would highly recommend this doctor!”

Wound CareThomas Lubeski, D.O.10231 Old Ocean City Blvd. Berlin, MD 410-629-6863 “... He has led his wound team to achieve Center of Excellence every year since its inception four years ago. He has an awe-some rapport with his patients, and has an outstanding relation-ship with his devoted staff.” “As my collaborating physician at Atlantic General Hospital Wound Care Center, for the past three years, he leads by example using evidenced base guidelines to heal even the most challenging wounds. His patients respect him and often refer others for his care. He is straight forward and honest with his patients.”

Pain ManagementThomas Rosenthal, M.D. 322 W Carroll St. Salisbury, MD410-860-8446 “No one better to help you with chronic pain.” “I’ve been seeing him for years. He’s always willing to listen and the staff are just wonderful.” “...great guy, knows his stuff!”

Edwin Bellis, M.D. 32071 Beaver Run DrSalisbury, MD 410-546-6322 “I never thought I would ever get help with my chronic pain. Dr. Bellis helped restore the quality to my life. He’s simply amazing!”

Cardiology

Steven Hearne, M.D.106 Milford St. Suite 605 Salisbury, MD

“I was a little uneasy about seeing a cardiologist the first time, but as soon as I met Dr. Hearne my fears were alleviated! He is so very knowledgeable, answered all my questions and offered direction for a positive outcome.” “Just the guy to see. I had heard he was good, but you don’t know how good until you meet him.”

SurgeonsJohn Bartkovich, M.D.145 East Carroll St. Salisbury, MD “What a refreshing doctor! Aways positive and upbeat. Full of energy. Very knowledgeable, offering a wealth of information. When I leave, I feel informed about my situation and feel he will help me achieve the best possible outcome.” “Truly shows his patients that he cares. He’s concerned for your well being until you are complety recovered from your surgery.”

“Patients are his #1 priority.”

Fernando Garzia M.D.,F.A.C.S.400 Savannah Rd Lewes, DE 302-644-4282 “...I’ve also had a somewhat difficult situation to diagnose, but he had answers and solutions. I wanted to share with the other readers of Grand Living in hopes he might help them as he has me.”

Habib Bolourchi, M.D.18958 Coastal Hwy. Rehoboth Beach, DE 302-645-7672 “I’m here to write this review because of Dr. Bolourchi. He won’t hesitate to tell you if you’re not doing what you’re suppose to, to live a long and healthy life. He is courtous, personable and explains everything clearly. I would hightly recommend!”

UrologyThomas Benz, M.D.9096 Riverside Dr Seaford, DE 302-628-4222 “ I value every word he says...I’ve been a patient for several years and I will always recommend him to everyone!”

Mark Edney, M.D.1342 S. Divison St. Salisbury, MD 410-546-2133 “...very well educated on his speciality. Takes his time with his patients to understand their questions and fears. We are very lucky to have him in Salisbury.”

OpthamologyAlex Azar, M.D. Winter Place Park Salisbury, MD 410-546-2500 “So very knowledgeable and eager to help you achieve the best possible results.” “Simply amazing!” “I can’t imagine a more knowledgeable eye doctor!”

Jason Tu, M.D. Winter Place Park Salisbury, MD 410-546-2500

“I have to admit that I have always had a huge fear of the eye doctor. But I just love Dr. Tu. He is patient and gentle and un-derstands my fear. Now going for an annual eye exam is much less stressful. I’ll never change eye doctors again!”

David Walker, M.D. 6507 Deer Pointe Dr. Salisbury, MD 410-543-9332

“Takes the time to get to know you” “Kind and caring....excellent when dealing with Breast Cancer.”



The comments provided are for informational purposes only. The thoughts expressed here are not necessarily those of Grand Living Magazine or its staff. Please make your own accessments with regards to the selction of your medical providors.

Oncologist

Aasim Sehnai, M.D.Tunnell Cancer Center 424 Savannah Rd 302-645-3770 “Dr. Sehani offered a positive experience in a difficult situation. His warm bedside manner always made me feel at ease and optimistic about my future. His staff is just wonderful and always just a phone call away.”

Vincenzo De Masi, M.D.200 E. Vine St. Salisbury, MD 410-543-1943 “...caring, empathetic and a great listener. A great partner in the biggest decisions of your life, when it comes to how to best turn the odds in your favor against Cancer.”

Rheumatology

GynecologyRichard Kirby, M.D.10231 Old Ocean City Blvd Berlin, MD 410-629-6870 “I’ve been a long time patient of Dr. Kirby. He’s caring, compassionate and a stickler for details. And isn’t it all in the details? He looks at the whole picture before prescrib-ing anything. He’s always brimming with knowledge on the latest study and knows how to apply the findings logi-cally. I highly recommend!”

James Spellman Jr., M.D.18947 John J Williams Hwy Rehoboth Beach, DE 302-644-0964 “Saved my mother’s life. Need I say more?”

Jose Pando, M.D. 1305 Savannah Rd Lewes, DE 302-644-2633 “A true gem of a doctor. He gives you his undivided attention.” “I’ve been seeing Dr. Pando for a few years now. He’s up to date on all the latest meds to help you feel better as soon as possible. Great staff too!” “Dr. Pando is about more than just meds. If he can im-prove your situation with stretching and exercises that’s his first route taken. Sure beats the doc who just writes a script and calls....next!”

Norman Koval, M.D. 1305 Savannah Rd Lewes, DE 302-644-2633

“He has an awesome ability to tune into his patients and their need for care, and a great bedside manner. He was able to slow the speed of destruction in my arthritic joints. Highly recommended!”

General PractitionersVictor Gong, M.D. 75th Street Medical Center, Ocean City 410-524-0075 “He even called me at home to see how I was doing. I didn’t know doctors did that anymore! He made me feel so at ease and his staff was just great!”


Grand Calendar Mid March - Mid May 2012

March 22

Clear Space Theatre “My Fair Lady”Rehoboth Beach Theatre of ArtsThurs. 11:00 a.m. - 1:00 p.m.For other dates and times visitwww.clearspacetheatre.org

March 17St. Patricks’s Day Parade61st South to 45th StreetOcean City, MDSaturday 12:00 p.m.For info call 410-289-6156

April 6-7

Easter Kids FairRoland E. Powell Convention CenterFriday 10 a.m. - 5 p.m.Saturday 10 a.m. - 5 p.m.For info call 410-213-8090

April 22Komen Maryland Ocean City Race for the CureInlet Parking Lot, Ocean CityMore information atwww.komenmd.org

April 7

Berlin 17th Annual SpringCelebrationFREEMain Street, Berlin10 a.m. - 4 p.m.For info call 410-641-4775

April 10Alzheimer’s Support GroupFREE2nd Tuesday every month at1:30-2:30 pm302-436-0808RSVP the Friday before the meeting you wish to attend.

April 18

15th Annual Breast Cancer UpdateSheraton Dover Hotel8:00 a.m. - 2:00 p.m.www.debreastcancer.org

April 12

Parkinson Support GroupFREE2nd Thursday every month at 1:30 pmThe Woodlands Ocean Pines 410-208-9001

May 3-6

Springfest 2012Inlet Parking Lot, Ocean CityThur. -Sat. 10:00 am -10:00 pmFor info call 800-626-2326

April 27-2942nd Annual Ward World Carving CompetitionRoland E. Powell Convention CenterFriday 10 a.m. - 5 p.m.Saturday 9 a.m. - 5 p.m.Sunday 10 a.m. - 4 p.m.For info call 410-742-4988

April 18Parkinson Support GroupFREE3rd Wednesday every month at 2:30 pmCommunity Foundation ofthe Eastern Shore410-749-8511

May 12ZoobilationThe Salisbury ZooSaturday 5:00-10:00 p.m.For info call 443-880-8627

April 12Lewes Tulip Festival

Thursday - Sunday All Day www.leweschamber.com

April 6

Great Delaware Kite Festival

Special Appearance by the Easter Bunny! 10:00 a.m. -3:00 p.m. Cape Henlopen State Park

April 6 - Great Delaware Kite Festival

May 12 Zoobilation

April 12 -15 Lewes Tulip Festival

April 7

DU Model Search1 p.m. - 3 p.m.Paws & Claws WOC Pre Register at www.DelmarvaUnleashed.com



YHow To Be A Good Little League Coach

You've probably seen it at the local ball field. A well-meaning, but overzealous parent-coach screaming at a team full of little kids as if the World Series was on the line. On the other field, another team is wandering around looking for directions from their coach who is trying to figure out who's up next. What does it take to be a good Little League coach? The number one virtue Little League coaches need to develop is patience. Children do not have the attention span or the discipline of adults and need to be constantly reminded about technique and sportsmanship. Coaches need patience to work with a large group of children who may be at different levels of expertise. Many major league ball players have stories of making it to the majors because of a coach who never gave up on them. Organizational skills are also helpful to a Little League coach. Balancing playing time can be a sensitive task and good record keeping can help avoid many a dispute. If you're coaching a team that travels you have to be able to organize travel arrangements and have systems to keep track of all your players while you're on the road. Tact is essential when dealing with parents. Children are

remarkably open to coaching and are not typically sensitive to constructive criticism about their skills. Parents, however, frequently stress about their child's amount of playing time, and the amount of individual coaching time their children receive. It takes finesse and sensitivity to deal with these problems. Parents may also become overly concerned about the competition and may need to be tactfully reminded about the importance of good sportsmanship. If your child is on the team you're coaching, fairness may become an issue. It's important for coaches to be fair to all their players and to judge players on their skills rather than their personalities. At higher levels, it's important to continue to praise and offer second string players at least some playing time, to maintain their interest and help them continue to develop their skills, even if they do not have a great career in sports ahead of them. Finally, every Little League coach must have a deep and abiding love for children of all ages. Coaches are some of the most formative people in a child's life and can imbue children with values they will carry throughout their lives. GLM

by Jonathon Hardcastle


Filling Your perscriptions

should be as easy as ordering take-out.

410-749-5253Across from PRMC,

on the corner of Eastern Shore Dr. & Carroll St.

fast, friendly service.

Toll Free 877-465-3937 Local 302-645-8073

Just Charming

Document How Long To Keep It1. Tax returns Forever2. Pay stubs Until you receive your W-2 in January3. Receipts for home improvements Until six years after you sell the home (tax purposes)4. Receipts for big-ticket purchases As long as you own the item (for warranty and insurance claims)5. Year-end investment statements Until six years after you sell, for proof of gains/losses (tax purposes)6. Tax back-up (receipts, W-2s, etc.) Six years (the IRS has up to this amount of time to audit a return)

It’s that time of year again, and before you know it, the middle of April will arrive and you’ll be scrambling to put together your 2011 tax returns. Since April 15th lands on a Sunday this year, Tax Day is of-ficially moved to Monday, April 16th. Just think, between 2012 being a Leap Year, and April 15th falling on a Sunday, you have two extra days to complete the inevitable! While organizing your tax information, keep track of your documents and how long you should hold onto them:

Keep a three-ring binder up-to-date with all home purchases (i.e. washer, dryer, T.V.’s, refrigerator, etc.), along with their receipts and any warranty information. Note the date of purchase and warranty expiration. When the item has been replaced, toss the old information and replace it with the new, including receipts, warranty info, etc.

Cutting the Clutter at Tax Time

by Lou Ann Hill


What is a Reverse Mortgage? A Reverse Mortgage is a special kind of home loan that allows you to convert a portion of your home equity into cash to use during retirement. It is sometimes called a “Home Equity Conversion Mortgage.” This was designed by Congress and given to HUD to administer. They are offered by private mortgage companies under the supervision of HUD. You can qualify if you are or if the husband or wife is 62 or older, own your home and have equity in the home.

How it works: The mortgage originates about the same as a regular mortgage, except you don’t have to have a credit check. There are no payments to be made, so your credit is not a factor. You apply for the mortgage with a lender, and then you have to go through counseling with an independent counsel-ing group, usually a non-profit organization. The propose is to make sure you understand the process and know what your rights and responsibilities are. The counselor will ask you about your debts and obligations to make sure that the mortgage will satisfy your needs and not make your situa-tion worse that it currently is. The counselor will report back to the lender. The lender will then have an appraiser come out and appraise the house to determine the amount of equity that you have. (You will need to pay the cost of the appraisal, up front. You will be reimbursed, if the mortgage is approved. The appraisal is the only out of pocket expense that you will incur.) If you have a mortgage, they will pay off the balance and give you the balance of the equity that is avail-able. That is determined by the market value of the house and your life expectancy to make that calculation. The mortgage company will reserve part of the equity to cover the interest that will ac-crue during your life expectancy. The younger you are the greater will be the reserve. After the amount of equity available is deter-mined, they will give you a choice on how you will receive that. You can take it in a lump sum or spread it over time. Some will even allow you to keep the available equity in reserve and draw as needed or when you want to use it. After the loan is secured, you still own the home. You continue to pay all utilities and taxes. If these expenses are not covered, you could be in default and face foreclosure. As you get older and the value of your home goes up you can refinance when and if you have more equity in the home. You or your heirs can also pay the balance of the mortgage and own the equity in the home. If you or your heirs can’t or do not wish to pay off the mortgage, you can just walk away and the mort-

gage company will sell the home. They will then apply the proceeds to the mortgage. If they receive more than the mortgage, you or your heirs will receive the difference. This is not very likely unless we have another bubble in the market like the one in 2004 and 2005. If the sale brings less than the mortgage, the lender looks to HUD that has insured the loan. In other words the lender is not at risk, as long as they follow the rules. CAUTION: This is a major financial decision! It is a good idea to review this with an Elder Care Attorney and be sure this works with your overall Estate Plan. It may not be the best timing, especially if you are trying to qualify for a Veterans Pension or for Medicaid. A reverse mortgage may disqualify you from one or both of these. GLM

James Respess is a practicing Attorney in Salisbury, Maryland and Limits his practice to Elder Care, Veterans Benefits and Estate and Business Planning. He can be reached at 443-736-7523 of [email protected]

The REVERSE MORTGAGE

by James W. Respess, Esq. RFC*


L Last weekend, my husband Paul took our beloved Subaru Baja into the dealership for its 3000 mile oil change and check up. Our Baja is the perfect beach vehicle. In the past, because of its all-wheel drive, was a much needed car when living in Pitts-burgh, when bad winters occurred. This vehicle has 146,000 miles on it and we’re hoping for several thousand more! When Paul called to schedule, he was honest and had told the mechanic that the last two oil changes were done locally, for convenience, but that the “check engine” light was on and he felt the car needed a better look at its needs. When Paul came home, I asked how our reliable vehicle made out. “Well, next time I go in for the oil change, we need a new catalytic convert-er.” I of course wanted to know what a catalytic converter does and if we should actually wait. I never did get a clear answer as to what a catalytic converter is, but Paul did reassure me that the Baja was safe to drive and the repair would cost $$. We both agreed that regardless of the cost, they don’t make Baja’s anymore and we wanted to keep ours in tip top shape. At this point in my story you are probably asking yourself, “now what is Therese really getting at?”I’d like to use the above analogy to share the similarities as to how we take care of our-selves, and the best way to communicate with our physicians. The way we take care of our cars may be an indication as to how we take care of ourselves. Do we put the right nutrients into our bodies, as we should our cars? Think of regular gas or high octane if it’s recommended. Do we get our blood work done or check the oil, transmission fluid and antifreeze when scheduled, to insure we are working at our best capacity? Do we exercise so that our bodies can go from zero to sixty without a problem? Do we take our medications as prescribed and share any side effects or problems with our physicians? If we see a specialist, regarding a specific problem, do we make sure that all of our physicians receive reports; test results and blood work, and are they on the same page regarding our treatment? Do we come

prepared for doctor’s visits with a log of weight or blood sugars, if those were requested, as well as a list of our most recent medi-cations? Do we have any questions or concerns written down so that we can discuss them at our next appointment? If asked about a new medication or treatment, do we ask what the reasoning is and the potential outcome or side effects? Who will provide the treatment? Why we need it? Where we will need to go to get it, and if it will be done inpatient or outpatient? (You should answer yes to all of these!) A study done in 2008, continues to be cited to date, sharing information that the Eastern Shore’s healthcare is at risk by 2015. As our physicians continue to retire, and the Grand Citizen population continues to increase, finding physicians to relocate has been problematic. The use of physician extenders, (e.g. Nurse Practitioners or Physicians’ Assistants) have been utilized to provide care for patients while working closely with physi-cians. Communication between the physician’s healthcare team and you, the patient, becomes key to overall health management. If you have difficulty getting out of your home and have skilled nursing or therapy needs, a nurse or therapist from a home care agency often becomes the “eyes and ears” for the physician. The Home Care Agency cannot provide service without a physician’s order and any significant change or results from blood work, tests, medication issues, etc. are reported to the physician to make changes via an order to help close the loop. Just as we hope our Baja can keep on motoring and not have to spend too much time in the garage, we want to maximize our in-dependence and health without hospitalizations. How we partner with our healthcare providers really depends upon us. The give and take of speaking, listening and questioning, will keep us on the road to happy travels! GLM

When the Rubber Hits the Road:

Good Communication is Needed!Therese. H. Ganster, ACSW, MPM

Therese H. Ganster, ACSW, MPM is a resident of the lower shore and Branch Manager of Peninsula Home Care in Salisbury, MD.


I In 1929, a Georgian known as Mr. J. T. Thrasher introduced a unique concept into the business community of Ocean City, Maryland. This creative Southerner proposed a food stand concession which would specialize in only one product: the noble French fry. Meeting with skepticism, Mr. Thrasher, an extremely religious man, forged ahead with this fledgling enterprise. His idea? Simply to produce the best tasting French fry ever eaten- past, present, or future. He did. The process Thrasher originated was based upon quality ingredients, hard work, and above all attention to the perfection of each cup of fries. What a discovery! Of the product itself, Thrasher found that only the highest quality potato would suffice. This meant that potatoes had to be brought from dif-ferent regions, if not states, for different times of the season. Only the best would do for this hard-nosed professional.

Thrasher’s: The InsIde sTory

For labor, Mr. Thrasher relied upon a group of hard working girls from a Chris-tian affiliated school in Georgia. The op-eration was run by these dedicated young women for many years. Mr. Thrasher would house the girls in a dormitory above the present Bank of Ocean City. Thrasher’s had been located in the breezeway of the Ocean City Amusement Pier. When forced by his failing health concerns to sell the dearly local business, Thrasher shopped for a buyer who would adhere to these high standards of quality and expertise. This buyer was the legend-ary Ocean City businessman, Franklin “Chip” Hastings, a self-made entrepreneur who had a nose for a profitable deal. Hast-ings moved Thrasher’s to the boardwalk location where it is presently located. Yet through the process of automation and mechanization, the original process and recipe were never altered. There was no deviation from quality, no deviation from tradition. In 1974, Charles R. Jenkins purchased Thrasher’s following the death of Mr. Hastings. Again, Mr. Jenkins refused to alter the original secret recipe or the cook-ing process in the slightest way. While improving and refining certain aspects of the operation, tradition was adhered to. Thirty-four years later, Thrasher’s French

Fries is still under the same management. Quality is still the ultimate goal and only through painful and perfectionist management techniques has the fry retained its superior taste and appearance. Through five generations and eighty years, Thrash-er’s has changed hands only twice. Tradition rules and quality reigns supreme. There will be no devia-tion from the original procedure or original recipes. Only experience and exquisite attention to detail have allowed Thrasher’s to grow and flourish as few businesses have. Nowhere will more emphases on quality be found, nowhere will there be a better fry found- anywhere! IOC

From the New Inside Ocean City


T Traditional Chinese medicine (TCM) has been used for centuries as the main source of medicine for many cultures around the world. One of the most famous components of TCM is herbal medicine. Many refer to this practice as Chi-nese herbalism. A consultation with a Chinese herbalist is quite similar to seeing a western trained physician. The herbalist will feel your pulse, look at your tongue, and palpate different places on your body. But, what really differentiates a TCM herbalist from a physician is that the herbalist takes into account signs and symptoms other than your chief complaint. In TCM no single symptom makes sense without looking at the whole person. The TCM herbalist wants to know things like body humidity, perceived temperature, favorite taste, favorite time of time, sleep patterns, quality and quantity of bowel movements etc. In addi-tion, TCM diagnosis looks at the “root” and “branch”. The root is the cause and the symptom is the branch. By determining the root, the branch is treated more effectively. By looking at the

person as a whole, a pattern can be seen and diag-nosis can be made based on this pattern of signs and symptoms. It is very important to enlist the help of an herbalist before purchasing Chinese herbs as there is no “one size fits all” with TCM. Two people may have back pain, but they both may receive different Chinese herbal formulas because their constitutional makeups (temp, humidity, preferences) are different. Chinese herbs are prescribed in either capsule, powder, liquid, or bulk/unprocessed form. Several herbs may be combined and made into a formula. The materials in the formulas are sometimes from plant, mineral and even animal origin. For these reasons, always tell your herbalist about all food and drug allergies. Instead of aiming to “fix” a condition such as depression, or constipation, Chinese herbs work by rebalance body, mind and spirit. For exam-ple, in the case of someone that is extremely cold and has dry eyes and skin, the herbalist would use herbs to warm and moisten the body. Ginger happens to be an herb which warms the body whereas mint is an herb that cools the body. Generally speaking a “hot” person generally is not prescribed “hot” herbs and vice versa. This amazing rebalancing ability sepa-rates Chinese medicine from western medicine. . There is a large amount of research on Chinese herbal medicine. The herb, Qing Huo (Artemesia Annua), has been researched extensively and proven to have potent anti-malarial properties. Two Chi-nese herbs, Ginger and Turmeric have proven to inhibit the growth of cancer cells and are both natural COX-2 inhibitors which reduce inflammation in the body. For years U.S. pharmaceutical companies have looked to Chinese herbal medicine to gain ideas to new medications including, but not limited, to anti-cancer drugs. In some countries such as Taiwan, Chinese herbal prescriptions are covered by health insurance. In Chinese hospitals, herbal medicines are processed and dispensed to patients just like a phar-maceutical Rx. In fact, there are oncology centers in China which administer intravenous herbs for an added effectiveness. Herbs are powerful medicines and some of them

are no different than ordinary foods. We don’t generally think of our food as medicine but, in actuality it is just that: very potent medicine. Probably, your last meal contained ingredients which have medicinal properties. Carrots, tea, broccoli, pepper, and cinnamon are all comparable to the items in your medicine cabinet. Herbal medicines are great alternative to pharmaceuti-cals. They are safe, natural and effective. Consider scheduling an appointment with an herbalist to accomplish your health and wellness goals! GLM

Mark Stoehr earned a BS degree of University of Maryland College Park and a Masters Degree in Acupuncture from Tai Sophia Institute. He has a private practice in North Ocean City on 142nd Street and West Ocean City next to OC Organics. Mr. Stoehr is also a faculty member at Tai Sophia Institute and has been a guest lecturer at University of Maryland Medical School, Salisbury University and Howard Community College. Mark can be reached at (410) 707-1540, [email protected] and www.marksacupuncture.com.

Chinese Herbalismby Mark Stoehr, MAC, LAC


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Summer Camp: A Gift to Your Grandchild and Yourself

Carol Evans never got to go to summer camp. One of five children raised in Delaware, Evans remembers that while it was something she wanted to do, “camp was not something my family could afford. It’s one of the main reasons I sent my kids and now help to send my grandkids. It’s an experience I could not have that I really want them to have.” Evans, 66, is not alone. Grandparents are a quiet but mighty force when it comes to summer camp attendance. With her help, Evans’ granddaughter, Katerina, who lives in Annapolis, has been attending Camp Odyssey at The Salisbury School, a traditional day camp, since she was five years old. Last summer, at age 14, she became a CIT (counselor in training) and she will continue her second year as staff this summer. “Camp is important, and Camp Odyssey has been a wonderful place for Katerina and her younger sis-ter, Michaela,” said Evans. “It’s been a real growth opportunity. They get to meet kids from different backgrounds and ethnic groups and learn to work to-gether with others. Camp offers an accepting, nurtur-ing environment that provides some balance from the day-to-day.”

Robbie Tarpley Rafrfish

A 150 Year American Tradition

Summer camp in the United States dates back to 1861, when William Frederick Gunn and his wife Abigail were headmasters of the Gunnery School, a private school in Connecticut. That summer they took a group of students into the wilderness along Long Island Sound for two weeks. At this original summer camp, activities included hiking, boating, fishing, and sailing. By the 1880s summer camps had taken root in America. The first camps were for boys, as a way to “retain masculinity in the growing feminization of the American home.” Girls soon had the opportunity as well, starting in 1892, as a way to progressive attempt to prepare them “for the place women were to occupy” in the 20th Century. Day camps followed starting in the 1920s and 30s, and really came into their own during the 1950s and 60s as America moved to the suburbs. Today, according to The American Camp Associa-tion (ACA), there are more than 12,000 camps nation-wide, and more than 11 million children (and adults) attend camp each summer.


A Camp Odyssey annual tradition, “Mud Madness,” a day of sheer fun never to be forgotten!

Themed days, make each day new and exciting!At summer camp, learning takes on a whole new dimension.


Day Camp as a Supplement to “Camp Grandma & Grandpa”

Summer can be a time of hard choices for families who need child care. Literally millions of grandparents are asked to step in and help – which can be both a blessing and a challenge, according to Dr. Harlan Eagle, Camp Odyssey’s executive director. “Grandparents can be a tremendous source of wisdom, support and encouragement for grandchildren,” said Eagle, who holds a doctorate in Education. “Over the years, how-ever, as the economy has tightened, they have been asked to do much, much more.” Eagle has seen a rise in the percentage of grandparents helping to fund kids at his camp. Like Evans, some want to give their grandchildren the experiences they had or wanted to have as kids, while others see it as a way to make a grand-child’s visit special without having to become the “activities director” themselves. “In reality, it is a lot to ask a grandparent to entertain a kid 24/7. Camp offers kids a chance to be with other kids while still leaving lots of quality time with their grandparents later in the day and on the weekends.” Camp is also a little bit of a sweetener, as well. “Grandpar-ents often tell us that their grandchildren ask to come back to stay with them, partially because they make ‘summer friends’ at camp they want to see again,” said Eagle. This summer, Camp Odyssey will try to meld the two gen-erations in a new program called “Classic Camp Day.” On Wednesday, July 11, grandparents will be invited to share a day of summer camp nostalgia with their grandchildren enrolled at Odyssey. There will be a camp sing along, scav-enger hunt, games and more. For more information, visit www.campodyssey.org or call 410-742-4464, ext. 320. GLM

Robbie Tarpley Raffish is the second of a three-generation family of summer camp enthusiasts. Her dad, Norm, raised in New York City, went to “sleep-away” camp from the time he was six – and never wanted to come home. He loved the “world of kids, by kids” – especially when the camp broke up into teams for days-long Color War. He passed this love to his daughter, Robbie, who attended day and sleep-away camps and then worked as staff. In turn, she has made campers of her own kids, Faith and Jason, both of whom attended Camp Odyssey and sleep-away camps. Faith spent last summer on a six-week bus trip across America called “USY on Wheels” while Jason went to Moorpark College to study exotic animal training. This summer both plan to return to Odyssey as staff. They fully intend to send their kids to camp … a loooong time from now, according to their mother, who is sure she will help pay for it when the time comes.

If it has been a while since you sent a kid to summer camp, some things sure have changed – but one thing that has not, according to Harlan Eagle, is that “summer camp is all about the kids – what inspires them and makes them happy.” Want to choose a camp sure to deliver? Eagle, executive director of Camp Odyssey, who has a Ph.D. in Elementary Education, offers this five-step process:

1. Start now: Coordinate your grandchildren’s childcare dates or visits with your adult children. Camps fill up quickly, so looking for a camp early in spring will keep options open. Planning early will also allow time to re-search individual camps and develop a budget.

2. Get your grandkids involved: A child who is involved from the start of the process will be much more excited when camp time comes and get more out of the experience.

TIP: Look through websites and brochures together (in person or on Skype) and discuss the kinds of activities your grandchild enjoys or would like to try.

3. Find a fit: Do the camp policies and philosophies coincide with those of your own (and your adult child’s) household? Will your grandchild be able to adapt to the rules of the camp? Ask about group size, supervision and staff training (including CPR and Lifesaving.)

TIP: Is the camp accredited by the American Camp Association or another organization? Find out who inspects the location.

4. Do your homework: What activities are included in the price of the camp? Do kids take off-site field trips and if so, how are they transported? Are there health and safety regulations imposed on the camp? Ask to speak with some references – other grand/parents of children at the camp.

5. Cost and Location: How expensive is each camp you are considering? How much money can you spend? If a camp is slightly more expensive, but closer to home and more convenient, is it more cost effective? In case of an emergency, how fast could you get to the camp site from work or from your house? Is transportation available?

TIP: Don’t be too shy to ask if scholarships are available. Eagle said that many camps offer some level of financial assistance – but demand is high, so ask about the process early on.

Eagle also recommends visiting the website www.acacamps.com. The site offers even more help and a list of American Camp Association accredited camps by location.

Choosing a Summer Camp – A Primer

D


Dude Ranches are active livestock ranches that accept paying guests, to help meet their staffing needs, in accordance with the functionality of the ranch. The phrase “Dude Ranch” surfaced after the formation of the Dude Ranchers' Association, in the year 1920, although the service and concept dates back to the end of 1800s. The purpose of people flocking to a Dude Ranches, for vacation, is basically to enjoy these ranches and their various ranching activities, in a serene and untouched rural ambience. The concept of Dude Ranching picked up in United States with the gradual but steady romanticization of west. Tapping the opportunity, the ranches started earning revenue by charging for guest stays. The concept gained momentum in time and soon the west was dotted with Dude Ranches. Piggybacking on the success of the U.S., Australia also has many Dude Ranches. Similar in concept, they are famous for their indigenous style of ranching. Dude Ranches are available in numerous types, offering a variety of activities and at a variety of price points. For instance a working Dude Ranch offers you a gist of the Western lifestyle, not only with its romantic and simple atmosphere, but also by getting in touch with the day-to-day workings of the ranch. You are encouraged to take part in those activities, such as grounds maintenance and handling or feeding of live-stock. The stay is to provide an authentic taste of the ranching lifestyle. Dude Ranches that focus on horse back riding are identified as such, and provide expert tips and tutelage on the skill of horseback riding for guests of all abilities.

There are other types of Dude Ranches. The resort ranch, as the name suggests, provides an environmental experience, similar to a resort concentrating on the comfort of guests. In addition, there are also ranches for hunting, offering guests a chance to have their skills honed, while hunting both native and imported game. Resort Dude Ranches are for those seeking total relaxation, while those wanting some action and excitement can look for ranches that provide the various work activities. There are ranches that accept guests throughout the year as well as those that are seasonal. Summer is the generally accepted peak season. due to the working season, and ability to complete ranch task during good weather. Plan ahead for your vacation. With the trend in travel to Dude Ranches on the rise, spots will fill quickly. Also, the seasonal ranches may actually work year round, but only accept guests during a particu-lar time of year. Happy trails! GLM

Dude Ranchesby Christine Chou

www.grandlivingmag.com Grand Living Magazine 25

We all have a list of things to do in our lifetime. The list often begins in our childhood. Things like college, marriage, children, and home building, take center stage. There are many other things that make your

“list of a lifetime.” Consider adding some of the suggestions below, because you’re only as old as you think you are! Send your “Heart’s Desire” for an upcoming issue, to [email protected] or call us at 410-726-7334.

heart’s desire from “Grand Living” readers

“Visit New Zealand.” V. Bennett- Age 48- Ocean Pines, MD

“To get my private pilot license.” S. Habeger - Age 66- Ocean Pines, MD

“Travel to all 50 states.” R. Fields - Age 55- Frankford, DE

“Climb a Volcano.” M. Francis - Age 59- Snow Hill, MD

Congratulations to Mr. Habeger, who was able to make his Heart’s Desire come true. He received his private pilot license last April.

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