1. travel
2. tourist facilities
3. hotel

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The Capital
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B
THURSDAY
April 16, 2015
CAPITALGAZETTE.COM
Time to
eliminate
debt
I
f you have problems with debt, you
are not alone. There are millions of
honest, hardworking Americans
that are having trouble paying their
debts. Last month, we discussed getting
your financial documents in order. Now
that you have organized your financial
records, it is time to take charge of your
finances.
Ignoring debt and bills will not make
the problems go away. Avoidance only
adds to the stress as the debts remain and
late fees and finance
charges add to it. The
only way to conquer
the debt is head on.
First, you need to
know what debt you
have. Now that you
know where your
bills and financial
statements are, you
Personal
can write it all down.
Finance
Then you must figVanessa Bright ure out how much
you earn each
month.
The next step is to establish a budget
and begin attacking the debts one at a
time. You will need to prioritize your
expenses. Address the most vital needs
first, like housing, utilities and food.
These are monthly recurring expenses.
Once you have budgeted for these, you
can examine other expenses and debts –
such as credit cards, medical bills, unpaid
taxes, student loans, etc.
It is important that you contact your
creditors to work out payment arrangements that you can manage.
Take a look at money that you have in
savings and investment accounts (other
than retirement accounts) that can be
used to pay down debts, while leaving an
emergency fund. If you don’t have any
money saved, consider ways to reduce
your expenses.
When looking for ways to cut back,
you need to determine your wants
See FINANCE, page B2
New service to
speed some
travelers’ security
checks at BWI
LINTHICUM (AP) — A new service
promises to speed some travelers’ trips
through security at BWI Thurgood
Marshall Airport.
A New York-based company called
CLEAR plans to open kiosks at the
airport next week that will be integrated
into the Transportation Security Administration’s existing Pre-Check system. At
the kiosks, travelers can have their
identities verified with iris or fingerprint
scans and then skip long security lines to
proceed to TSA screening.
“The average time is 5 minutes or
under. That’s really what we guarantee is
that speed and predictability,” said Charmaine Taylor, CLEAR’s senior vice
president of operations.
A traveler’s fingerprint or iris is
matched to his or her driver’s license or
passport and verifies the match when
the traveler enrolls using technology
similar to what TSA uses, Taylor said.
The information is then encrypted.
“Today, we don’t do background
checks, we don’t assess the risk or
anything like that. All we are doing is
verifying who you say you are,” Taylor
said.
The company said the U.S. Department of Homeland Security has certified
it as a “Qualified Anti-Terrorism Technology.” It has already been used 2
million times by travelers in airports
across the country.
The airport is the first in the Baltimore-Washington metropolitan area
and the 11th nationwide to be added to
the company’s network. The service
provides travelers with “another security
option and enhancement” at the airport,
said BWI spokesman Jonathan Dean.
The service costs $15 a month per
passenger and a spouse or partner can be
added for $50 a year. Those under 18
years old are free.
Baroak Cookhouse
& Taproom part
of $10M in recent
upgrades to lodging
BY MATTHEW COLE, STAFF
Jonathan Tisch, Loews Corp. co-chairman of the board and chairman of Loews Hotels, visits Baroak at Loews Annapolis. Open for about
a month, the restaurant is part of a series of food and beverage upgrades occurring across Loews properties.
Q&A
with Loews Hotels
executive Jonathan Tisch
By Shanteé Woodards
[email protected]
T
he Baroak restaurant is open
at Loews Annapolis, making
it one of several new eateries
at the hotel chain’s properties.
The Annapolis venture reflects the
nearly $10 million that were spent on
upgrading this site over the last two years. It
got a new lobby — like all of the Loews
hotels — upgraded meeting space, new
guest rooms and the restaurant, which
serves Belgian and American food. (The
name is pronounced “Bar-oak.”)
Washington, D.C., chef Teddy Folkman,
who competed on the Food Network, runs
Baroak. Loews Hotels has opened several
other restaurants featuring celebrity chefs
in recent years. Jose Garces, past winner of
“The Next Iron Chef,” operates the Rural
Society at Loews in Chicago and Washington, D.C., while chef Josh Capon, host of
Spike TV’s “Frankenfood,” has Lure Fishbar
in Miami.
The Capital talked to Loews Corp.
Co-chairman Jonathan Tisch — also chairman of its Loews Hotels subsidiary — about
the new restaurant and the hotel’s investment in Annapolis. Tisch has written
three books and hosts Bloomberg Television’s “Beyond the Boardroom with Jonathan Tisch.”
How did the Baroak concept come
about?
“We made a conscious decision when we
wanted to upgrade our food and beverage
offerings to see who was in the D.C. and
Annapolis area who we could partner with
to do something exciting. The initial
response has really been gratifying. The
restaurant is busy; people are very much
enjoying the variety of beers that we have
and the food.”
Baroak looks like a stand-alone restaurant. How will that impact the Loews
brand here?
“We certainly want people to feel that
this is the community’s restaurant, that we
are in a great location on West Street and, oh
by the way, the building above Baroak just
so happens to be the Loews Annapolis
Hotel. If people view us as an independent
operation, we are certainly OK with that.
Once again, when we think about who has
been here over the last three weeks, it really
has garnered a tremendous support from
our neighbors, and we’re thrilled with that.”
What trends are you seeing in the
hotel and restaurant industry?
“About six weeks ago, we opened a
400-room hotel in downtown Chicago,
Loews Chicago Hotel, where we opened
our second restaurant with chef Garces
with another Rural Society. The Loews
Miami Beach Hotel, we brought a concept
from New York City, which is called Lure
Fish Bar and that’s with another very
famous chef (Capon).
“So we see the trend of locals and
travelers having a much broader and more
sophisticated desire to eat good food,
whether it’s in their hometown or they’re
on the road. We want to be responsive to the
needs of (our guests).”
Why have a restaurant in Annapolis?
See TISCH, page B2
BUSINESS BRIEFS
Tourism bureau launches
Annapolis-themed website
The Annapolis & Anne Arundel County
Conference and Visitors Bureau has
launched a new website that will connect
visitors to local attractions.
The new Naptownlocals.com aims to
provide information on events, local traditions and insider favorites, AAACCVB CEO
Connie Del Signore said. It will join the
bureau’s other Annapolis-themed websites,
such as VisitAnnapolis.org, WeddingsInAnnapolis.com, MeetInAnnapolis.com and for
other areas of Anne Arundel County,
TheHotelsAtBWI.com. The Naptown site
launched Monday.
“Today’s travelers regularly seek the
advice of trusted third parties on Trip
Advisor and blog sites, and they’re quick to
share their experiences via social media,”
Del Signore said in a statement. “Naptownlocals.com helps them get the conversation going in a format they know and
are comfortable with.”
Fort Meade Community
Job Fair set for May 20
The Fort Meade Community Job Fair
next month will host over 65 employers
looking to hire.
The job fair on May 20 will be open to the
general public for the over 1,000 open
positions which include both those that
require a top secret or secret security
clearance and those that do not.
Some agencies in attendance include the
National Security Agency, Transportation
Security Administration, Social Security
Administration, Lockheed Martin, United
States Department of Agriculture, Maryland Department of Transportation, Johns
Hopkins Health System, Maryland Live
Casino and Anne Arundel County Police
Department.
Those without Department of Defense
ID cards must enter the main gate off
Maryland Route 175. Job seekers must bring
a driver’s license, vehicle registration and
proof of vehicle insurance to enter the
installation.
The fair will be held at Club Meade at
6600 Mapes Road from 9 a.m. to 2 p.m. and
is sponsored by the State of Maryland,
Department of Labor, Licensing and Regulation, Anne Arundel One Stop Career
Center and the Fort Meade Family, Morale,
Welfare and Recreation, Navy Fleet and
Family Support Center-Fort Meade, Army
Community Service-Fort Meade, Soldier for
Life Transition Assistance program–Fort
Meade and the Anne Arundel Workforce
Development Corporation.
There is no fee or pre-registration to
attend the event. For more information
contact Jerome Duncan at [email protected].
Court rules GM
is shielded from
death claims by
bankruptcy
DETROIT (AP) — A federal
bankruptcy judge ruled Wednesday that General Motors is
shielded from death and injury
claims potentially totaling billions of dollars tied to defective
ignition switches in certain GM
small cars.
In 2009, a bankruptcy court
allowed GM to emerge from
bankruptcy protection free from
the liabilities of the old company.
Plaintiffs argued that GM misled
the court because it knew about
but failed to disclose the problem
with the ignition switches. The
switches are now linked to at
least 84 deaths.
Judge Robert Gerber denied
that argument, but did rule that
under narrow circumstances,
some plaintiffs who sued over a
loss to the value of their cars due
to faulty ignition switches can file
claims against the company for
actions after it left bankruptcy
protection in 2009.
The ruling is a victory for GM.
One plaintiffs’ attorney said the
decision shields GM from $7
billion to $10 billion in potential
liabilities from lawsuits.
B2
THE CAPITAL Thursday, April 16, 2015
FINANCE
www.capitalgazette.com
BUILDING PERMITS
From page B1
Annapolis
versus needs. Some wants you may consider
reducing include meals out, daily lattes,
smoking, cable and clothes shopping. You
can also contact your current service
providers and seek discounts, shop around
for better interest rates or reduce services.
Additionally, look for ways that you can
increase your income such as through a side
business, work bonus, part-time work or a
promotion. Set up a simple filing system
that will ensure you pay bills on time. Use
Google Calendar, Outlook or your smartphone to set up reminders of due dates.
Additionally, you can schedule money to be
drafted monthly from your checking account for bills. However, if you set up
automatic drafts, you must ensure that the
funds are in the account.
Gaining control of your finances takes
discipline and information. Educate yourself and then commit to doing what is
necessary to get you where you want to be
— financially secure.
2917 South Court, Jeffrey N. Davila,
replace waterfront access steps, $6,000
1212 Thomas Point Court, Kathryn
Schmitt, remodel kitchen, $30,000
1327 Washington Drive, Carolyn A.
Dunkley, add RGA doors to existing RGA,
$20,000
1308 Pennington Lane, Shayne M. Taylor, construct deck and steps, $7,142
633 Wayward Drive, Dean R. Huffman,
construct deck, $19,000
2752 Gingerview Lane, Susan M. Christie, frame up shower stall, $1,200
1327 Douglas Avenue, Olivia Bane,
install wood burning stove, $5,174
624 Wayward Drive, Gary B. Miller,
replace basement drywall and repair
holes, $4,500
1185 Bayview Vista, Matthew H. Lookfong, install 51 solar panels, $27,183
100 Hillsmere Court, Britton R. Ward,
install 28 solar panels, $22,500
218 Old Mill Bottom Road, Jeffery T.
King, install 40 solar panels, $56,900
116 Spruce Lane, Jeremy P. Todd,
insterior waterproofing, $4,505
1 Saunders Point Lane, Marian D.
Kaufman, install fence, $6,200
1240 Augusta Avenue, Daniel P. Santin,
install sprinkler system, $5,800
610 Pinewood Drive, Garrison B. Millman Jr., install shed, $10,000
32 Wainwright Avenue, Patrick J. Traynor, install sprinkler system, $6,500
614 Samantha Court, Julie M. Germin,
finish basement, $30,000
151E. Bay View Drive, Lon A. Rosenberg,
install revetment, $3,000
973 Bramleigh Lane, Steven Gregory,
install inground concrete pool, $30,000
209 Long Hill Court, Jodi L. Usher,
install inground concrete pool, $25,000
831 Mission Valley Lane, George R.
Chatlos, install 45 solar panels, $56,250
849 Mission Valley Lane, Dolores R.
Fash, install 17 solar panels, $21,250
1178 Idlewild Drive, William A. Gambee
Jr., install 24 solar panels, $12,792
TISCH
From page B1
The other places you named are in large
metropolitan locations.
“People in Annapolis know good food.
You also have a large number of visitors on
an annual basis who also want to eat well.
They want to dine well and they want an
enjoyable experience. We like to make our
dining a little more casual because we think
that’s what people want.
“Not only have we upgraded our restaurants, but at every one of the hotels we have
changed our lobbies. We’ve made them so
they’re communal in nature, that there are
lots of places where you can plug in our
device because people don’t want to be in
their rooms. Yes, we all work while we’re on
the road, and yes, we’ve got out laptop, our
hand-held, but they want to see and be
seen.”
Overall, why has this location been
important to the Loews brand?
“We’re proud that our name is on this
hotel. … We are not only upgrading the
property in terms of capital (the staff ), we
upgraded the kind of service that we at
Loews Hotels are proud of.
“It’s important to understand that hotels
are very much part of the community. (The
hotel) hires a lot of men and women, and
we’re proud of being one of the largest
employers in town. With the opening of the
new restaurant, we’ve added 40 new
co-workers, many of whom live in the
community. These are good jobs; these are
jobs that allow people to take care of their
families.”
Target settles data
breach lawsuit with
MasterCard for $19M
NEW YORK (AP) — Target and MasterCard say they’ve agreed to settle lawsuits
over the discounter’s pre-Christmas 2013
massive data breach.
Target said late Wednesday it has set
aside up to $19 million for banks and credit
unions issuing MasterCards that were
caught in the data breach that compromised 40 million credit and debit card
accounts between Nov. 27 and Dec. 15, 2013.
MasterCard Inc. said the money will be
available to banks and credit unions for
operating costs and fraud-related losses on
cards believed to have been affected. The
settlement will go into effect if at least 90
percent of eligible issuers accept the offer
by May 20.
“We are hopeful that Target’s agreement
to pay up to $19 million to settle the claims
of MasterCard and its issuers will result in a
high level of issuer acceptance,” said Scott
Kennedy, president, financial and retail
services at Target in a statement..
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Arnold
1127 Silverleaf Drive, Lawrence Charles
Winder, install fence, $7,000
231 St. Antons Way, Christopher J.
Sulhoff, install 46 solar panels, $57,500
622 Bay Green Drive, Gavin Junkins,
construct addition to deck, $43,720
305 Almameda Parkway, Scott M. Cook,
install 31 solar panels, $16,523
20 Cascade Road, Melanie Collins,
replace existing fence, $5,000
889 Doris Drive, Tommaso Grimaldi,
889 Doris Drive, install privacy fence,
$2,769
Churchton
5623 Gunner Run Road, Richard C.
Runner, enlarge existing deck, $13,565
1128 Delaware Avenue, Richard M.
Frank, install 21 solar panels, $11,193
Crofton
2093 Pear Hill Court, Lynn M. Parks,
install 42 solar panels, $52,500
2433 Chelmsford Drive, Herve Bonnet,
install 28 solar panels, $35,000
2512 Lesh Court, Shaishav R. Patel,
extend overhang to create deck, $7,500
2301 Weymouth Lane, Teresa J. Dunklee, install 18 solar panels, $13,500
2405 Goldenrain Court, Christopher
Killias, install 32 solar panels, $40,000
Crownsville
405 Chestnut Trail, Michael W. Spicer,
install 48 solar panels, $54,400
1546 Severn chapel road, Lucinda W.
Dibenio, construct open deck, $11,428
1317 Eva Gude Drive, Peter D. Evans,
replace retaining walls, $10,000
925 Waterview Drive, Ellsworth G.
Dixon, install fence, $1,977
Davidsonville
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2898 Clear Pond Court, Marc E. Guest,
install privacy fence, $1,100
Edgewater
402 Fairmount Drive, John H. Abell III,
repair fire damage, $18,000
1209 Rogers Road, Gregory Rutkai,
install 18 solar panels, $9,594
1632 Cliff Drive, Benny Spence, install
30 solar panels, $37,500
528 Brentwood Road, Curtis E. Nokes
Jr., demo shed and install fence, $8,500
309 Lake View Avenue, Mona Garvey,
install 41 solar panels, $21,853
3853 Holly Drive, David Slaughter,
install 22 solar panels, $27,500
1600 Riverdale Drive, William H.
Mitchell, install fence, $3,500
2800 Clove Lane, Craig M. Trent, demo
inground concrete swimming pool, $8,800
3313 Leritz Lane, Daniel P. Shanahan,
finsish basement, $70,000
Gambrills
906 Forksbridge Court, Kevin S. Mish,
install 32 solar panels, $17,056
1732 Thistle Court, Scott J. Kelly,
interior waterproofing, $10,967
1006 Ice Castle Court, Margaret H.
Mills, install pool fencing, $29,980
2221 Mount Tabor Road, James J. King,
install fence, $2,000
2438 Macallister Lane, Patrick M Ripple, construct deck, $8,973
1094 Snow Hill Lane, Randolph c.
Sawtelle, install above ground pool, $2,500
Gibson Island
615 Magothy Road, Matthews S. Polk,
Jr., install inground concrete pool, $30,000
Harwood
3866 Old Birdsville Road, Joseph McMahon, install 15 solar panels, $18,750
3868 Old Birdsville Road, Joseph McMahon, install 11 solar panels, $13,750
Lothian
204 Springer Lane, Robert A. Sturgell,
install inground concrete pool, $25,000
Millersville
271Dogwood Road, William L. Kratz Jr.,
construct screened porch and deck,
$22,130
443 Mali Court, Tyler Gesling, install 40
solar panels, $21,320
1005 Wheatfield Drive, Christopher L.
Spangler, install 37 solar panels, $19,721
501 Red Birch Road, Matthew F. McHale, install privacy fence, $5,803
1036 Cecil Avenue, Roger D. West, install
73 solar panels, $91,250
271 Severn Road, John E. Elkins, construct 2nd story addition, $75,000
547 Point Field Drive, Harvey P. Brilliant, install fence, $1,900
8290 Elvaton Road, Thomas E. Mach,
install 24 solar panels, $31,200
Odenton
2252 Commissary Circle, Tonya D.
Spriggs, construct open deck, $11,000
1307 Greyswood Road, Joseph E. Lafrance, install fence, $2,600
478 Rita Drive, Tom W. Pelton, install 32
solar panels, $17,056
709 Crawfords Knoll Court, Daniel L.
Casteel II, construct deck, $5,357
install privacy fence, $5,803
3455 Brookhaven Road, Bryan Alderfer,
install pool and deck with steps, $10,267
1871 Poplar Ridge Road, Durant Walters,
replace pier pilings, $6,000
161 River Road, Eric B. Ball, replace
retaining wall, $5,000
8307 Patapsco Road, Jason H. Semanoff,
install sprinkler system, $3,000
212 Featherstone Road, Wesley P. Yeary,
install 21 solar panels, $26,250
88 Johnson Road, Robert H. Lloyd,
demo and construct new 2 story single
family dwelling, $175,000
9003 Ballybunion Court, Punita Sharma
Tripathi, install 32 solar panels, $17,056
7956 W. Riverside Drive, James W.
Shaw Jr., demo and install fence, $4,400
939 Duvall Highway, Wayne A. McNeir,
demo and install fence, $900
805 220t Street, Wilbert G. Laird III,
replace porch with landing and steps,
$1,758
1204 Hunter Road, Heriberto Rivera Jr.,
install 40 solar panels, $21,320
Riva
420 Porpoise Lane, James M. Naylor,
install 51 solar panels, $17,056
541 Poplar Drive, Seth Mininger, raise
wall and rebuild roof on second floor,
$30,000
Severn
1921 Beckman Terrace, Ridgely E. Boyer,
Jr., install sprinkler system, $2,000
1412 Winter Pine Trail, Lance A. Murray,
construct deck, $14,285
803 Lucky Road, Suzanne H. Ginn,
demo and construct deck, $10,201
1508 Coldwater Reserve Crossing, construct pergola, $5,000
8365 Washington Baltimore Annapolis
Boulevard, Dong S. Kim, construct deck
with steps, $7,142
8214 Running Spring Court, Ismay H.
Jones-Reed, install 32 solar panels,
$30,000
8202 Cottonwood Court, Timothy M.
Dernoga, install concrete inground pool
and fence, $30,000
1404 Winter Pine Trail, Iannina M.
Cimorelli, install 24 solar panels, $30,000
1503 Wampanoag Drive, David J. Kreger, construct roof over existing deck,
$12,534
Severna Park
292 Tolstoy Lane, Marcelo C. Barros,
install beams and post to existing deck,
$5,000
5 Stewart Way, Brian S. Asch, install
inground pool, $30,000
507 Evergreen Road, Kelly O. Siekman,
install new windows and doors, $2,000
413 St. Martins Choice Lane, Randolph
I. Chu, construct deck with steps, $4,632
706 Laurel Lane, Susan M. Pequigney,
frame overhang and extend kitchen,
$22,000
95 Clarence Avenue, Shane E. Perry,
construct deck with steps, $4,643
200 Kennedy Drive, Christine P. Eaton,
interior remodel, $9,800
201 Glencolter Court, John M. Livingood, construct deck with steps,
$21,000
24 Hatton Drive, Michael W. Patterson,
install 22 solar panels, $16,500
493 St. Martins Lane, Jeffery T. Collins,
consctruct deck, $23,000
Shady Side
1703 Bayview Road, Neil W. Sanders,
install 40 solar panels, $21,320
Pasadena
1545 Baywood Lane, William D. Chalk,
rebuild single family dwelling, $331,500
664 213th Street, Kenneth S. McChesney, install 8 solar panels, $20,000
7954 Riverside Drive, Vernon T. Smither, install fence, $730
256 Carroll Road, Charles Lonick,
install 14 solar panels, $7,462
7774 Central Avenue, Leroy J. Rodey Sr.,
West River
1022 Shore Drive, Rebecca F. McDonough, replace pier, 19,900
722 Dill Road, Meredith A. Holden,
replace wharf, $3,000
822 Locust Drive, Eric Kampert, install
sprinkler system, $3,000
THE LAW OFFICE OF
BERNSTEIN & FELDMAN, P.A.
is pleased to announce that
KRISTIN LECLAIR ZUROWSKI, ESQ., CPA
has joined the firm as an Associate.
Kristin will concentrate her practice
in commercial law, business real estate,
transactions and tax. Kristin began
practicing law in June 2008, following
a 19-year career as an accountant in
both public and private industry.
Kristin is trained in Collaborative Law,
is a Mediator with Maryland Council
for Dispute Resolution Certification,
as well as a Certified Public Accountant.
Kristin is a graduate of George Mason University, and earned her
J.D. from University of Baltimore School of Law.
900 Bestgate Road • Suite 200 • Annapolis, MD 21401
(410) 573-0017 • www.bflaw.com • [email protected]