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Getting old is the best thing that has ever happened to me. Some friends say, “It’s better than the alternative!”—but that’s not true, according to a couple of friends who’ve had near-death experiences. During the few minutes they were “dead on arrival” before being resuscitated, they say they experienced the most joyous and peaceful feeling. For them, suicide can seem like a tempting path when life becomes especially hard—because they know just how wonderful it is on “the other side.”

But I, who will soon turn 88, feel that every single day, life just keeps getting better. I’m crazy about getting old. It’s wonderfully fun! And here are just a few of the thousands of reasons why life improves with age:
You can get away with saying almost anything. As a younger person, I was often chastised for speaking without thinking. Now, when I do the same thing, people just shrug and say, “Well, she’s just an old fart…”
You finally have the leisure to enjoy life—to smell the roses. As much as we may have wanted to slow down and savor life when we were younger, there was never enough time. We were burdened with jobs, children, and caring for our aging parents.

Granted, these were burdens we took on with love. But they consumed all our time. Now, we’re able to read the books we set aside years ago. We’re traveling to foreign lands, learning new languages. We have time to try new recipes, bake new pastries, and invite friends over. Senior centers offer fascinating classes for a nominal fee. And if we planned well, all that scrimping and saving is finally paying off—we no longer cringe at splurging on theater tickets or wedding gifts.

As young people, we were plagued by questions: Who are we? How do we measure up? What talents should we pursue? What career path should we take? Who should we marry? How will each decision shape our life? How do we please our parents when their hopes conflict with our own dreams? Growing up was full of anxiety and self-doubt.

Now we can look back and say:
“Hmmm, I did a pretty darn good job raising my children.”
“Hmmm, so glad I married this person instead of that one.”
“Hmmm, although I think this new generation is going to hell in a handbasket, I KNOW that people two thousand years ago felt the same way.”

So maybe this wired generation—who’d rather text than talk—will turn out just fine.

I’m thrilled to be alive at a time when hearing aids let me understand what people are saying, without shouting “Eh? Eh?” all day long.

I’m grateful for my double bionic knee replacements that let me climb the Alhambra in Spain, and for my recent hip replacement that allows me to walk without pain.

I’m pleased we now have laws that protect older workers from discrimination—so I was able to continue teaching into my early 80s.

And I’m delighted to live in the computer age. When I forget the lyrics to a song, I just type in the first line—and there it is, right on the screen!

For me, old age is truly miraculous.

Maryland's landscape transforms into a spectacular patchwork of crimson, gold, and bronze each autumn, offering leaf-peepers some of the Mid-Atlantic's best road-tripping opportunities. From the rugged peaks of the Appalachian Mountains to the rolling farmlands of Central Maryland, here are three great scenic byways and driving tours to experience peak fall foliage.

1. The Mountain Maryland Scenic Byway
The Western Classic | Peak Season: Late September to Mid-October

For the earliest and most vivid displays of autumn color, head west to the heart of Appalachia via the Mountain Maryland Scenic Byway. This route loops through Garrett and Allegany Counties, showcasing the state's highest elevations where maple, oak, and hickory trees burst with color long before the rest of the state. Garrett County, in particular, is the first region in Maryland to reach its most vibrant state, typically peaking in mid-October.

The Drive: Following parts of U.S. 40 and U.S. 219, the byway takes you through dense forest lands and past major state parks.

Must-See Stops:

Deep Creek Lake State Park: The lake's surface perfectly mirrors the blazing colors of the surrounding mountains, offering incredible photo opportunities.

Swallow Falls State Park: Visit Muddy Creek Falls, Maryland's highest free-falling waterfall, framed by brilliant yellow and orange foliage.

Oakland & Grantsville: These charming small towns, particularly Oakland, are the host cities for the annual Autumn Glory Festival, a multi-day celebration of the fall season.


2. The Historic National Road & Green Ridge Driving Tour
The Historic Route with Panoramic Overlooks | Peak Season: Mid-October to Early November

The Historic National Road Scenic Byway is America's first federally funded highway, tracing a historic path from Baltimore to Western Maryland. While the entire route offers history and scenery, the stretch through Allegany County provides a side trip that is unmatched for fall viewing: the Green Ridge Driving Tour. Colors in this area, particularly in Allegany County, generally reach their peak from mid-October through early November.

The Drive: The National Road (US-40) section is packed with history. Once you reach Allegany County, follow signs for the Green Ridge Driving Tour—a 44-mile loop through the massive Green Ridge State Forest. This dedicated route is rugged and immersive, cutting through the ridge-and-valley province of the Appalachian Mountains.

Must-See Stops:

Point Lookout: A spectacular overlook within Green Ridge State Forest offering a sweeping, colorful view of a dramatic bend in the Potomac River.

Town Hill Overlook: Located along the Historic National Road itself, this vantage point provides panoramic views of rolling, forested mountains stretching into the distance.

Washington Monument State Park: Located near Boonsboro, this park along the National Road offers hiking and views from the first monument dedicated to George Washington.


3. The Covered Bridges Driving Tour (Frederick County)
The Idyllic Countryside Drive | Peak Season: Late October to Early November

For a more idyllic, country-focused drive closer to Central Maryland, the Covered Bridges Driving Tour in the Catoctin Mountains north of Frederick is a quintessential autumn experience. The Frederick County region often sees its most brilliant hues in late October, offering a beautiful setting against the historic covered bridges.

The Drive: This self-guided tour guides you through scenic backroads past three of Maryland's remaining historic covered bridges: Utica Mills, Roddy Road, and Loy's Station. The route travels through the foothills of the Catoctin Mountains, which are known for their colorful canopy.

Must-See Stops:

The Covered Bridges: Stop at each of the three bridges to appreciate the classic, postcard-perfect scene of autumn foliage surrounding the historic wooden structures.

Catoctin Mountain Park: Located nearby, this area provides excellent views from higher elevations, such as the overlooks along the Appalachian Trail that weaves through the park.

Downtown Frederick: Conclude your trip in the charming city of Frederick, where you can stroll along the historic Carroll Creek Promenade, often lined with autumnal colors, and enjoy local breweries and dining.

🍂 Pro Tip: Planning Your Trip
To time your trip perfectly, remember that fall foliage typically begins in the western mountains (Mountain Maryland) in late September and progresses eastward. For the most current, location-specific peak conditions, you can check the Maryland Fall Foliage Hotline at 800-LEAVES1

Rodenhausen joined CFAAC in early 2023 as Director of Gift Planning with over 25 years of experience in the nonprofit sector. In this relatively short time, he was instrumental in helping the foundation substantially increase revenue and granting capacity through the establishment of 71 new funds and $18M in new planned gift commitments. Rodenhausen has served as a frequent spokesperson for CFAAC and partners with professional advisors, including members of the Anne Arundel Estate Planning Council (AAEPC), as they work with individual and family clients to achieve a lasting philanthropic legacy in the community through trusts, estate planning, and other deferred gifts. Rodenhausen will lead the strategic direction of CFAAC and its team of philanthropic advisors as they cultivate and steward relationships with current and prospective donors. This includes supporting the establishment of Donor Advised Funds, Endowment Funds, and Legacy Funds, and serving as an advisor on philanthropic estate planning and other planned giving vehicles to help them achieve their long-term charitable goals.

“I am so pleased that the CFAAC Board of Trustees has appointed John as the next leader of our amazing community foundation. John’s deep understanding of the needs of both our donors and the nonprofits they support will allow him to strengthen our work in the community in myriad ways. He knows this organization’s goals, strategic direction, and heartbeat,” said Spencer, current CFAAC President and CEO. “With his many years of experience in the nonprofit industry, John has dedicated himself to helping organizations expand their reach, increase their financial sustainability, and deepen their impact. His dedication to supporting the residents of Anne Arundel County, combined with the strong relationships he has built with donors and nonprofit leaders throughout the county, will be invaluable to our community and the support CFAAC is able to provide to our vital nonprofits. I have no doubt CFAAC will flourish under his leadership.”

Rodenhausen is a Chartered Advisor in Philanthropy (CAP®) through The American College of Financial Services. This designation allows him to bring his expertise to the table as he advises families with gift and legacy planning, while exploring tax-efficient strategies and advanced philanthropic tools. Rodenhausen will continue to work with clients to maximize the impact of their current and legacy charitable giving while ensuring alignment with their values.

“I am honored to accept this position and I am deeply grateful for the support of our Board and the leaders of CFAAC. Their vision has created an enduring tradition of philanthropy in our community,” said Rodenhausen. “In particular, Mary Spencer's remarkable leadership and dedication will leave an enduring impact on our Community Foundation and in our community for generations to come. I am thankful for her tireless commitment to the success of our organization. As the new President and CEO, I will build on this positive momentum and I want our message to be clear: We are better together and I look forward to working with the community to make Anne Arundel County a better place for all.”

Prior to joining CFAAC, Rodenhausen worked as the Chesapeake Bay Foundation’s (CBF) Maryland Director of Major Giving, where he managed a large and diverse portfolio of individual, corporate, and foundation prospects and donors, and served as a facilitator of CBF's major gift team strategy. Throughout the 12 years he held the position, he successfully raised millions of dollars through donations, grants, and planned gifts in support of CBF’s operating budget and three major capital campaigns. John’s work at CBF began as an environmental educator, teacher trainer, and restoration coordinator, which then led him to a career in fundraising.

Rodenhausen is an active member of Annapolis Fundraising Professionals, Maryland Philanthropy Network and a graduate of Leadership Maryland. He has served as a board member for Maryland Coastal Conservation Association, Unity Gardens in Annapolis, and the Green School of Baltimore. Rodenhausen received his BA in Communications from the Pennsylvania State University. He is a USCG-licensed captain of 35 years and has been an active member in the Anne Arundel County community since 1993.

The Upsides (What Makes Solar Attractive in Anne Arundel County)

1. Strong Financial Incentives
- There’s a federal tax credit (ITC) that covers about 30% of the cost of solar systems. EnergySage+1
- At the state/local level, Anne Arundel County offers a property tax credit up to $2,500 for residential solar and geothermal systems. Find Energy+3wattbuild.com+3celestialsolarinnovations.com+3
- Solar equipment and installation are exempt from Maryland’s sales tax, reducing upfront cost. wattbuild.com+1
- Maryland also runs the new Solar Access Program (MSAP), offering grants of up to about $7,500 for income‐eligible homeowners. Solar United Neighbors+2Maryland Energy Administration+2

2. Good Cost Payback Opportunity
- In Anne Arundel County, the average cost for a 5 kW system is around $13,639 before incentives. With federal, state, and county incentives, that cost comes down substantially. EnergySage
- Some estimates say payback periods are 5–8 years depending on roof exposure, how much electricity you use, and how many incentives you can apply. Find Energy+1

3. Environmental & Community Benefits
- Solar reduces greenhouse gas emissions and helps lessen dependence on fossil fuels. For example, a county project in Millersville is producing clean electricity and offsetting a significant portion of usage. Anne Arundel County Government
- Projects on under‐used lands (e.g. closed landfills) are being pursued in Anne Arundel, turning what might be idle property into a clean energy asset. Anne Arundel County Government

4. Favorable Regulations / Credits without Property Tax Penalties
- Maryland law makes sure that installing solar panels won’t increase your property taxes based on the added value of the panels. wattbuild.com+2Solar United Neighbors+2
- The permitting process in Anne Arundel is clearly defined: you’ll need a residential solar (building) permit; there are plan submittals, etc. Anne Arundel County Government

The Downsides / Challenges (What to Watch Out For)

1. Upfront Cost Still Significant
- Even with incentives, the initial cost (equipment, installation, permitting) is high. Not everyone will have a quick return if their usage is low or roof orientation / shading is suboptimal. EnergySage
- Also, if your roof needs repair or replacement, it’s better to do that before or at same time as solar installation, otherwise you may need to remove/ reinstall panels, adding cost. (This is commonly noted in local feedback.) Reddit

2. Dependence on Roof Orientation, Shade, and Local Weather
- Solar output depends heavily on how much sun your roof gets. Trees, surrounding buildings, or shade can reduce production and lengthen payback.
- Maryland has a decent level of sun overall, but winter months and shorter days reduce output. As with many places, “solar arbitrage” is less in winter.

3. Variable Incentives & Changing Policies
- Incentives change over time. Some rebate programs have ended or are winding down. For example, Maryland’s Clean Energy Rebate Program had deadlines. EnergySage+1
- The federal tax credit (ITC) may not last forever at its current level; changes could reduce the benefit.

4. Regulation, Permits, and Installation Complexity
- Permitting requirements in Anne Arundel require detailed plans. If your system is large or unusual (carports, ground‐mounted, etc.), complexity increases. Anne Arundel County Government
- Electrical interconnection, building code, and possible homeowners association (HOA) restrictions could cause delays or add cost.

5. Maintenance & Durability
- While solar panels are quite durable and warranties are improving, over 20‐25 years there will be some maintenance: cleaning, possibly replacing inverters, dealing with roof repairs under panels, etc.
- Also, performance degrades slowly over time, so you’ll get slightly less output in later years.

Bottom Line

For many homeowners in Anne Arundel County, solar panels can be a very smart investment. The combination of state & local incentives, favorable tax treatment, and county efforts toward clean energy make the economic case much stronger than in places without those supports. If your house has good sun exposure, a roof in good condition, and you use enough electricity, the payback can be reasonable.
However, it’s not guaranteed to be cost‐effective for everyone. For people with shaded roofs, or who only use a small amount of electricity, you’ll want to run the numbers carefully. Also, since incentives and prices change, doing the calculations very recently is important.

Almost as popular as the New Year Festival is the Moon Festival. It has been celebrated for over 3000 years by the Chinese and other Asians every year on the 15th day of the 8th month in the lunar calendars That’s equivalent to late September or early October in our Gregorian Calendar. It is celebrated by some as a harvest offering, or a time for family reunion, for others it is a form of moon worship.

This year the Moon Festival is on Monday October 6th. In preparation for this festival, my young friend Ev Dahl came to help me make moon cakes. The soft outer dough is made of eggs,sugar, melted butter and flour with baking powder. We stuff the flattened dough with bits of dates, apricot, cocoanut flakes, raisins, and walnuts. Place the closed cake into a press and VOILA, out comes a moon cake with a design ready to be coated and baked!

In the evening of the festival, we will look at the full moon, think of our family members near and far, write a poem and then drink a little wine as we eat the moon cake!

ANNAPOLIS, MD (October 29, 2025) — The City of Annapolis had its highest-ever credit rating reaffirmed by the nation’s top credit rating agencies ahead of the sale of $38.6 million in Series 2025 General Obligation (GO) Public Improvement Bonds. Both S&P Global Ratings and Fitch Ratings assigned the City an ‘AA+’ rating with a stable outlook, while Moody’s Investors Service reaffirmed its ‘Aa1’ rating, reflecting continued confidence in the City’s financial management and economic strength.

“These ratings reflect the financial discipline and responsible management practices that guide our budgetary decision-making,” said Mayor Gavin Buckley. “Annapolis continues to invest in its future by strengthening infrastructure, improving resiliency, and maintaining financial stability for residents and businesses.”

According to S&P Global Ratings, the ‘AA+’ rating reflects Annapolis’ “strong, well-embedded management framework and policies that have contributed to robust financial performance and increasing reserves.” The agency noted that the City’s conservative budgeting, diversified tax base, and positive economic trends, anchored by the U.S. Naval Academy, state government, and maritime tourism, continue to support fiscal stability.

Fitch Ratings also assigned an ‘AA+’ rating with a stable outlook, citing Annapolis’ “large, growing economy with a significant public sector presence, above-average resident wealth, and strong financial position.” Moody’s reaffirmed the City’s ‘Aa1’ rating, highlighting similar credit strengths and describing Annapolis’ finances as “strong and stable through 2026.”

The 2025 bond proceeds will fund capital improvement projects across the City, including infrastructure upgrades and resiliency investments. Of particular note is the City’s maintenance of manageable debt, with net direct debt representing approximately 8 percent of annual revenues, which is well within the City’s debt capacity limit and supported by strong reserves and self-supporting portions of its debt.

Acting City Manager Victoria Buckland said, “maintaining these high ratings helps the City secure lower borrowing costs, meaning more of every taxpayer dollar goes directly toward community improvements and services.”

Annapolis’ financial outlook remains stable, with the City’s reserve policies, long-term planning, and capital investment strategies continuing to serve as a model for fiscal stewardship among Maryland municipalities.

ANNAPOLIS — A recent economic study offers compelling evidence that escalating housing costs are playing a meaningful role in declining birth-rates — and that trend could be playing out locally in Anne Arundel County.

According to county data, the median value of owner-occupied homes sits around $460,600, significantly above state averages. Census Reporter+1 At the same time, nearly half of the county’s renting households pay more than 30 % of their income on housing, with rental costs rising on average 5.7 % per year between 2019 and 2022. Anne Arundel County Government

A new model developed by economists — based on nationwide Census Bureau data but with implications for places like Anne Arundel — links housing unit size, location decisions, and fertility choices. The study finds that as housing cost burdens rise, especially for units large enough to accommodate children, families are more likely to have fewer kids. In particular:

• Larger-family households are found to be more sensitive to housing costs than smaller families.

• Rising costs since the 1990s are attributed to about 11 % fewer children nationwide and account for roughly 51 % of the fertility rate decline between the 2000s and 2010s.

• Availability of larger housing units matters: boosting supply of family-sized homes (rather than small units) is estimated to generate 2.3 times more births than an equivalent cost reduction targeted at smaller homes.

Translating this to Anne Arundel County: with median housing values markedly high and affordability pressures acute for younger and growing families, the study’s findings suggest the county may be seeing fertility impacted by housing cost barriers. For example, although the county’s fertility rate (measured by the percentage of women aged 15-50 who gave birth in a given year) is approximately 5.5 % — slightly above the Maryland average of 5.3 %. Census Reporter+1

County officials are already flagging housing cost as a key issue. A recent housing trust fund initiative described that 57 % of respondents in a county survey cited rising housing costs as a top concern. Anne Arundel County Government

Local policy implications: the model suggests that increasing the supply of family-sized housing units — perhaps by zoning reform, incentives for larger-unit development, or support for multi-bedroom affordable units — may be a strategic lever to support demographic sustainability in Anne Arundel. Rather than focusing exclusively on child tax credits or parental benefits, addressing the space and cost families face may help reverse deeper structural fertility pressures.

As Anne Arundel County grapples with both affordable housing and workforce retention, the study makes clear that housing policy isn’t just a real-estate concern — it may directly influence the size of future local families and the demographic vitality of the region.