the baltimore guide - december 12, 2012

W EDN ESDAY, DEC EMB E R 12 , 2012

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QUICK THINKING:A resident puts out a car fi re PAGE 2

The BNote’s slow march east

BY ERIK [email protected]

Photo by Matthew Saindon

When the BNote, Baltimore’s local cur-rency, debuted in April of 2011, only a few East Baltimore merchants were accepting the colorful, Baltimore-centric bills as legal tender.

Today, the BNote’s eastside network has grown to 15 merchants, and longtime BNote

supporters, such as Su Casa, Tenpachi, and aMuse Toys, have been joined by The Creative Alliance and Latte’da, to name a few.

Local currencies have been around since at least the Great Depression, when they experienced a surge in popularity.

According to local merchants who accept

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Here today, where tomorrow?

Arts patrons received two different emails about a Creative Alliance exhibition featur-ing works from members and staff of the John Booth Senior Center.

The first version: “This showcase of [the seniors’] talent recalls the many happy times they enjoyed in creative fellowship before the center closed its doors after 45 years of continuous operation in October 2012.”

The second, revised version: “The exhibit showcases the talent and fellowship of the center’s free visual art classes offered to over 100 mature adults ranging from ages 55 to 93 years old.”

The first, past-tense release was appar-

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The Highlandtown Train Garden is open to the public on Saturdays and Sundays through Dec. 23, from 11 a.m. to 5 p.m. Santa is also available at the Santa House, corner of Eastern Ave. and Conkling St., Saturdays and Sundays from 12 p.m. to 5 p.m.

Any familiar faces?

A DISH BEST SERVED RAW:Our reporteer reviews Thames Street Oyster House. PAGE 3

BY DANIELLE [email protected]

✦ Canton & CitywideParking Decision Time: Parking Deci-sion Time: The City Council takes up Bills 12-0102 and 12-0125 in a work session, vote to follow. One of the bills is about the future of Residential Permit Parking Area 43 in Canton; the other is a general rewrite of the city’s permit parking statutes. City Hall, 4th fl oor, 1:10 p.m., Wednesday, Dec. 12.

✦ Fell’s PointCommunity Christmas Concert: The Julie Community Center is having a com-munity Christmas concert at St. Patrick’s Church on the corner of Broadway and Bank St. on Thursday, Dec. 13, at 7 p.m. Donations support the work of the center.

✦ Patterson ParkGrand Opening of Patterson Dog Park: The new dog park opens to the public Saturday, Dec. 15, at 11 a.m., at Linwood Ave. near the tennis courts. Info: [email protected]. See our complete Community

Calendar on pages 6 & 7.

Booth seniors make art while confronting uncertainty

Zoning overhaul enters adoption

phaseBY ERIK [email protected]

By this coming spring, the city will likely have completely different zoning laws.

Through several public hearings to be held by the Baltimore City Planning Commission, residents have several oppor-tunities to comment on the city’s plans to completely overhaul the zoning code.

The first of these hearings was on CONTINUED ON PAGE 8

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2 THE BALTIMORE GUIDE WEDNESDAY, DECEMBER 12, 2012

Baltimore Red Line Final Environmental Impact Statement Available for 45-Day Public Review Period

The Federal Transit Administration (FTA) and the Maryland Transit Ad-ministration (MTA) have prepared the Baltimore Red Line Final Envi-ronmental Impact Statement (FEIS) and Draft Section 4(f ) Evaluation for public availability and review. The FEIS summarizes the transpor-tation and environmental impacts related to the implementation of a new east-west light rail transit line in Baltimore City and Baltimore County.

The FEIS will be available on December 14th. The public can provide comments during a 45-day review period, ending January 28, 2013. The document will be available at area libraries, the MTA Transit De-velopment and Delivery office and other select community locations. The FEIS will also be available online at www.baltimoreredline.com. The public can provide comments on the findings of the FEIS, Draft Section 4(f ) Evaluation and Section 106 Effects Assessment. The pro-cedures for providing comments, as well as a complete listing of doc-ument availability locations are available on the website.

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Small fi res reported in Upper Fell’s; resident uses household extinguisher

A resident of the 100 block of S. Ann St. says that he put out a fire to a vehicle’s gas cap area on Tuesday evening, and the police are investigating an arson.

Michael Prout, 35, who lives on the 100 block of S. Ann St., said that after the vehicle fire on his block, he also put out two small fires on the 200 block of S. Ann St. Those fires, he said, were burning in trash recep-tacles that residents had put out for the Wednesday morning trash pick-up.

On Tuesday, Dec. 4, at around 7:30 p.m., Prout said that his roommate—who wished to remain anonymous—stepped out onto the stoop of their rowhome for a cigarette.

“He pretty much immediately popped back in the door and said, ‘We have a fire over here,’” said Prout.

Prout said that he first called 911, and then grabbed his househould extinguisher and ran across the street toward the fire. Fearing an explosion, as the flames were on and near the vehicle’s gas cap, Prout put himself behind the Toyota 4-Runner that was angle-parked next to the Honda Civic that was on fire.

“When I saw the flames coming out, my

first thought was, ‘This thing could blow up,’” said Prout. “I kind of put the 4-Runner between me and the car until I saw that the flames on the gas cap were out.”

Prout said that he then looked to his left and noticed another small fire on S. Ann St., this one across the street on the east side and down near the corner of Gough St.

“It was big enough that I could see it from a block and a half away,” he said.

Prout ran down to put out that fire, which was burning in trash materials that were put out for the Wednesday morning pick-up. As he was running to the second fire, he said that he spotted a resident also running out-side with a pot of water toward it.

“I said, ‘I got it,’” said Prout. “He said, ‘thanks,’ and then someone else said, ‘There’s another fire over here.’”

So Prout took his extinguisher to the third fire.

The Fire and Police Departments then arrived, Prout said.

Detective Vernon Davis of the Baltimore Police Department confirmed an “attempted vehicle fire” on S. Ann St., but he said that the department did not have any information about the trash fires. He also said that the fire occurred on Dec. 5, while Prout said

that he put out a fire to a vehicle on Dec. 4. Fire Chief Kevin Cartwright said that if 911 was called, then the Fire Department responded. He added that the Fire Department never makes a determination of the cause of a fire until it has been com-pletely investigated. As of press time, Cartwright, the department’s public infor-

mation officer, said that he was waiting to hear back from fire investigators.

Detective Davis said that the Police Department’s Arson Unit is interviewing witnesses in the ongoing investigation into the vehicle fire. There are no suspects at this time, he said.

BY ERIK [email protected]

Ugly sweaters sought in CantonThe loosely knit group of friends that

managed to send several truckloads of relief items to Hurricane Sandy-stricken New Jersey (“From Baltimore, with love,” Nov. 14 edition of the Guide) is at it again.

This time, they are teaming up with Stay Classy Canton and inviting participants to don their ugliest Christmas sweater and have drinks in O’Donnell Square.

The Ugly Sweater Bar Crawl is this Saturday, Dec. 15, from 12-5 p.m. Registration—$10 or $5 and an unwrapped toy—starts at 11:30 at Looney’s. Participants will receive a stamp for drink specials at Looney’s, Plug Ugly’s, JD’s, Americana, and NcDevins. All proceeds go to Hurricane Sandy relief efforts.

Search Facebook for the “Ugly Sweater Bar Crawl around Canton” page for more info.

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Thames Street Oyster House: A rock-solid raw bar twists the traditional BY DANIELLE [email protected]

The Thames Street Oyster House is the kind of seafood restaurant Baltimore needs. Imagine if Oyster Bar in Grand Central Terminal had a younger, hipper sister who lived in a funky neighborhood. Well, she would be the Thames Street Oyster House.

On a recent visit for lunch, the raw bar (which also includes clams and other sea-food) featured sixteen oyster choices—all sold individually and described on a sepa-rate menu which changes almost daily by origin, size, brininess, saltiness, and finish.

They are accompanied by a choice of four mignonettes from traditional black pepper shallot to orange-ginger lemon, or horserad-ish, and Old Bay cocktail sauce.

I sampled some Rocky Shore oysters ($2.50 each) from Prince Edward Island: they were salty up front with a sweet finish, just as the raw bar menu described them.

If you’re not a fan of the raw bivalves, there are plenty of other options. The bulk of Thames Street’s lunch menu is devoted to cooked regional seafood with a strong New

England influence—clam cakes, clam roll, a grilled Portuguese chouriço sandwich, sev-eral seafood salads—and oysters prepared a variety of ways.

For lunch, the soups are a stand-out. Their Rhode Island quahog chowder ($6/$7, avail-able only on weekends), made with clams bigger than the palm of your hand, is creamy but not dairy-heavy. The broth is the star of the show, with the potato, bacon, and tender clams taking the backseat.

What’s the difference between a quahog and other clams? Taste-wise, they are saltier. One of the servers said that “eating a quahog is like getting punched in the mouth by Poseidon—but in a good way,” and that is an apt description.

Thames Street also serves a Maryland crab with short rib ($6/$7) soup with shred-ded beef, a pleasant alternative to the too-often-one-dimensional Maryland crab soup, and especially nice on a cold day.

Thames Street’s Cast Iron Crab Cake ($15)—made with East Coast if not Chesapeake Bay crab, I was informed—is pan-fried and served on a roll with remou-lade and two exquisite roasted plum toma-toes and a side dish. It’s not your textbook Baltimore crab cake, but who’s complain-ing.

With its large dining room upstairs, out-door seating with a fountain out back, and tables right on the sidewalk, Thames Street is a large place and as good a choice for

cocktails as a business lunch or a family din-ner. Dinner is served Sunday through Thursday from 5 p.m. to 9:30 p.m., and 5 p.m. to 10:30 p.m. Friday and Saturday.

The bar has a well-priced cocktail menu and prices go even lower during “Local Happy Hour” on weekdays. At the bar only, local and regional microbrews such as Dogfish Head, Heavy Seas, and Flying Dog are $4, and local wines and the Oyster House Hot Toddy are $5.

Bloody Mary drinkers, take note: Thames Street infuses its own horseradish vodka—as you can deduce by the gallon-size jar of booze and steeping horseradish root behind the bar.

The horseradish Bloody Mary, which I did not see on the bar menu but was told is a local favorite, was ordered by a regular with great delight—just as I was paying my check.

Thames Street Oyster House, 1728 Thames St., 443-449-7726,

www.thamesstreetoysterhouse.com

Candas Granados works the bar at the Thames Street Oyster House.

Photo by Danielle Sweeney

One of the servers said that “eating a

quahog is like being punched in the mouth by Poseidon--but in a

good way.

One of the servers said that “eating a One of the servers said that “eating a

quahog is like being


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Yellowed Pages: A bungled robbery, drunks on tape, and the most boring people in the world

The Yellowed Pages recalls news from the past, in this case 25 years ago.

An account of a bizarre robbery at the Fell’s Point 7-Eleven made the front page n the Dec. 3, 1987, edition of the Baltimore Guide.

“Two men were arrested last week in con-nection with the robbery of a Fell’s Point convenience store when two police officers found them posing as counter help in the store,” reads the story.

Apparently the two men had entered the 7-Eleven and demanded that the 21-year-old female clerk empty the register. Trying to force the drawer, the suspects broke it, mak-ing it impossible to open normally. Enraged, one of the men pretended he had a gun under his jacket and forced the woman into the supply closet.

While the two men continued to work on the register, a customer, Ken Simms, entered the store to buy cigarettes. Not knowing what else to do, the bungling burglars posed as clerks. While the two were looking for Simms’ brand, two police officers happened to enter the store, and the woman burst her way out of the supply closet and identified

the false clerks as robbers. The two men were arrested.

The Dec. 10, 1987, Baltimore Guide fea-tures a story about a Broadway liquor store that received a suspended license after a local man videotaped the shenanigans hap-pening outside:

“A S. Broadway business man, fed up with drunks staggering around in front of his furniture store, videotaped the action taking place in front of the liquor store across the street,” reads the article.

According to the story, Earl Keister set up the camera in the second floor window above his store, capturing film of “obviously drunken men staggering into the liquor store and staggering out with fresh supplies.” The license of Cut Rate Liquors, located in the 300 block of S. Broadway, was suspended.

Then, as now, hard evidence was key: “Usually, when neighbors have complaints against liquor-serving establishments their hearings before the liquor board are based on ‘your word against min’ evidence. The clear violations recorded in Mr. Keister’s videotape left little if any doubt what had transpired at Baltimore Cut Rate Liquors.”

The Dec. 17, 1987, Baltimore Guide had this nugget of breaking national news:

“Jim and Tammy Bakker shared top honors with Britain’s Royal Family as the world’s most boring people.”

According to the story, the designation came from the Boring Institute in New Jersey, founded by Alan Caruba. Other dull people of 1987 were Max Headroom, Sean Penn and Madonna, Vanna White, Oliver North, Bruce Willis, Donna Rice, Oral Roberts, and John McEnroe.

Career Day at Patterson Park Public Charter SchoolThe Baltimore Guide would like to thank Patterson Park Public Charter School for inviting editor Erik Zygmont to the school’s Career Day to talk about the newspaper business. Ms. Jenna Shaw’s 7th grade language arts class was one of three classrooms visited.

Photo by Erik ZygmontEditorial: Do a bit of paperwork; save a lot

of moneyAt virtually every city meeting involving one or more

City Council members, the Homestead Tax Credit comes up. We put an article about it in the Nov. 7 edition of the Baltimore Guide, and now we are mentioning it again.

While many city homeowners have received the credit for years, some may not have known they were receiving it. In the past it was applied to properties automatically—now, you have to apply for it by Dec. 31, 2012, or lose it.

The Homestead Tax Credit limits annual increases to your property’s taxable assessed value to four percent. Keeping your property’s assessed value down will keep your taxes down, or at least lower than the astronomical possibilities.

According to Councilwoman Mary Pat Clarke, the aver-age homeowner can save approximately $1,000 per year in property taxes with the Homestead Tax Credit.

But to receive it, the application must be filed. To request an application, email [email protected], or call 410-767-2165. To see if you have already applied, you can visit www.dat.state.md.us, click “Real Property Data Search,” enter your address, and click “Search.”

If you don’t submit an application by Dec. 31, who knows how high your taxes could increase?

Photo by Erik Zygmont

OUR OPINION and Yoursand Yours


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Seniors' Art at Creative Alliance

Frances Baltrunas, 87, painted this dolphin in watercolor, an art she took up at 77.“It’s a challenge,” she says. “If you make a mistake, you have to work around it. I always try to salvage my mistakes.”

Charlotte Janowiak made this fi sh mosaic. Janowiak does artwork at the John Booth Se-nior Center. The seniors’ art is on display at the Creative Alli-ance through Dec. 23. See story, page 1.

Photos by Erik Zygmont


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6 THE BALTIMORE GUIDE WEDNESDAY, DECEMBER 12, 2012 WEDNESDAY, DECEMBER 12, 2012

COMMUNITY CALENDAR

Please send all calendar items to [email protected]. Events are due at noon on the Friday before publication.

Wednesday, December 12Graceland Park Association Meet-ing: The Graceland Park Community As-sociation will hold its monthly meeting on Dec. 12 at Graceland United Method-ist Church, 6714 Youngstown Ave. The guest speakers will include a representa-tive from the Ecologic Group, Inc., who will give a presentation about the pro-posed Coke Point Dredged Material Con-tainment Facility. Info: 410-228-4046.Patterson Park Working Group: The group, designated by the Mayor and City Councilman Jim Kraft, will be meeting on a monthly basis; the next meeting is Dec. 12, from 7-9 p.m., at the Virginia Baker Rec Center.Parking Decision Time: The City Coun-cil takes up Bills 12-0102 and 12-0125 in a work session, vote to follow. One of the bills is about the future of Residential Per-mit Parking Area 43 in Canton; the other is a general rewrite of the city’s permit park-ing statutes. City Hall, 4th fl oor, 1:10 p.m., Wed., Dec. 12.

Fair Housing Discussion: Antero Pieti-la’s 2010 book Not in My Neighborhood: How Bigotry Shaped a Great American City, tells the story of how discrimination molded housing patterns in the Baltimore area. Join Pietila; moderator Carol Payne, director of the Baltimore fi eld offi ce of the U.S. Department of Housing and Urban Development; Baltimore Neighborhoods, Inc. executive director Robert Strupp, and Baltimore Housing’s Amy Wilkinson to discuss the roots of residential segregation in the Baltimore metropolitan area and ef-forts to overcome present-day barriers to fair housing choice. Central Library, 400 Cathedral St., Wed., Dec. 12, 6:30 p.mInfo: Dan Pontious, [email protected] or 410-732-0500 x1055. Yoga at Virginia Baker: Bilingual com-munity yoga is held on Wednesdays from 7-8 p.m. at the Virginia Baker Rec Center. A $5 donation per class is requested. Pre-reg-istration is required. Info: 410-396-9156.

Thursday, December 13Transform Baltimore Hearings: The Planning Commission will hold its second public hearing on Baltimore City’s newly proposed zoning code (TransForm Balti-

more), City Council Bill 12-0152/Compre-hensive Rezoning. This hearing will be held on Dec. 13 on the campus of the Baltimore City Community College (BCCC), at 2901 Liberty Heights Ave. The doors will open at 5 p.m. and staff will be available to answer questions from the public, from 5 -5:55 p.m. At 6 p.m. staff will give a 20- to 30-minute presentation; afterwards, the commission will take public testimony. Info: www.rewritebaltimore.org, or 410-396-5173.Community Christmas Concert: The Julie Community Center is having a com-munity Christmas concert at St. Patrick’s Church on the corner of Broadway and Bank St. on Dec. 13 at 7 p.m. Donations support the work of the center.

Friday, December 14A Christmas Carol, The Musical: South Baltimore’s favorite holiday show continues its tradition by offering free admis-sion to all performances. Performances are December 7-16, Fridays at 7:30 p.m., Sat-urdays at 7 p.m., and Sundays at 3 p.m. The theater is located in Federal Hill adjacent to Riverside Park at 1530 Battery Ave. Free parking with permit obtainable at the door. Donations gratefully accepted. Reser-vations are strongly recommended. Call 410-

837-0971 or email [email protected]. Visit www.MusicalArtistsTheatre.com for information, directions and a video preview.Moonlight Madness and Tree Light-ing: Tree is lit, with caroling, hot chocolate and cookies, at 7 p.m., on Friday, Dec. 14, at the South Baltimore Rec Center. Santa will visit. Locally-owned Federal Hill shops and galleries are staying open late with spe-cials, discounts, and refreshments, 8 p.m. to midnight. Get your Moonlight Madness

Event of the Week

Grand Opening of Patterson Dog Park: The new dog park opens to the public Dec. 15 at 11 a.m., at Linwood Ave. near the tennis courts. Info: [email protected].

WEDNESDAY, DECEMBER 12, 2012 THE BALTIMORE GUIDE 7WEDNESDAY, DECEMBER 12, 2012 THE BALTIMORE GUIDE 7

COMMUNITY CALENDAR

Passport stamped at fi ve local businesses, turn it in by midnight to Federal Hill Main Street, 42 E. Cross St., and be entered to win a goodie bag of Federal Hill items. Free gift wrapping, refreshments, and a chance to vote in the Fest-of-All Signature Drink Contest, also at Federal Hill Main St. For more info, call 410-727-4500, or visit www.historicfederalhill.org.

Saturday, December 15Christmas Concert and Car-ole Sing: United Evangelical Church, 3200 Dillon St., Sun., Dec. 16, 1 p.m. Also, join the congregation for a potluck lunch at the Friendship Hall at 12 p.m., prior to the concert. Info: 410-276-0393.Skating with Santa: Skate with Santa on Sat., Dec. 15, 3-5 p.m., at the Ice Rink in Patterson Park on Dec. 15. Admission is $4, and skate rental is $2. Info: 410-396-9392. The Family Skating Center’s hours for public skating are Tuesdays and Thursdays from 11 a.m.-2 p.m.; Fridays from 7-9 p.m., and Saturdays from 3-5 p.m. and 7-9 p.m.Highlandtown Train Garden and San-ta House: The Highlandtown Community Train Garden and Santa House are open to the public on Saturdays and Sundays from 11 a.m. to 5 p.m. during the Christmas season.

Sunday, December 16Christmas Concert: The United Evan-gelical Church, at 3200 Dillon St., hosts a concert and caroling on Dec. 16, at 1:00 p.m. A potluck luncheon will be held in the Friendship Hall at 12 p.m. before the con-cert. Info: 410-276-0393Highlandtown Train Garden and San-ta House: The Highlandtown Community Train Garden and Santa House are open to the public on Saturdays and Sundays from 11 a.m. to 5 p.m. during the Christmas season.

Save the DateJan. 9 Fell’s Prospect Community Asso-ciation Meeting: The association meets at 7:30 p.m. at Cristo Rey High School, 420 S. Chester St.Jan. 10 Hampstead Hill Association Meet-ing: The meetings begin at 6 p.m. in the li-brary (now located on the fi rst fl oor) of the Hampstead Hill Academy, located at Lin-wood and Eastern avenues. A representa-tive from the City’s Offi ce of Recycling will speak at the meeting.

Community NotebookMuralists Wanted: The S. Durham St. Billie Holiday Project is seeking muralists to design and paint on one of the fi ve walls of buildings on the 200 block of S. Durham St. Billie Holiday grew up here; murals should

tie into her life, music, and lyrics. The Billie Holiday Project is a community arts project dedicated to building connections on the street and improving the appearance of the block. “We are really hoping to transform this block and highlight the historical con-nection with Billie Holiday,” says project leader Steve Schwei. Proposals are due Jan. 10, 5 p.m. Complete requirements can be obtained through Schwei at 262-784-4022, or [email protected]! Camera! Action!: The Baltimore Film Offi ce at the Baltimore Offi ce of Pro-motion & The Arts is now accepting entries for the eighth annual Baltimore Screenwrit-ers Competition. Winners receive cash priz-es, all-access passes to the 2013 Maryland Film Festival, and passes to local movie the-aters. Eligible screenplays are given valuable coverage and critique. The deadline for sub-mission is January 30, 2013. An application form is online at www.baltimorefi lm.com.Chesapeake Bay Trust Awards: The Chesapeake Bay Trust is now accepting applications for its 2013 awards program. These awards honor students, teachers, in-dividuals, communities, and organizations for their work to promote education, im-prove local communities, and help restore the Chesapeake Bay. All nominations and applications are due December 20. For questions about the awards program, please contact Molly Alton Mullins at [email protected] or at 410-974-2941, ext. 107.Eastpoint Soup Kitchen: St. Peter Lu-theran Church, at 7834 Eastern Ave. offers a free soup kitchen on the last Saturday of every month, from 11 a.m. – 12:30 p.m. It is open to everyone who needs food or warm clothing.Soup Kitchen at Our Lady of Pom-pei: A soup kitchen is offered every Sat-urday from 11 a.m. to 1 p.m. at Our Lady of Pompei cafeteria, 201 S. Conkling St. For more information or to volunteer, please call Steve Potorti at 443-831-0362.St. Leo Helps the Homeless: St. Leo the Great in Little Italy is collecting toi-letries for the homeless. Items such as soap, shaving cream, deodorant, tooth-paste, and toothbrushes. Drop off items at the parish offi ce, 227 S. Exeter St.Bagged Leaf Collection: Leaf collec-tion continues through Jan. 14. Up to 20 bags of leaves will be collected from ev-ery address every Monday. Residents must call 311 before Sunday at 10 p.m. for the next day collection to schedule a pickup. Solid Waste will also continue to collect bagged leaves on citizens’ regularly sched-uled trash collection day—up to fi ve bags of leaves from each address every week. Leaves must be in clear or labeled bags and placed at regular refuse collection lo-

cations, not in the public right-of-way.Local Preschool Openings: Unit-ed Evangelical’s PACT program (Par-ents and Children Together) has open-ings for preschoolers to learn through art, projects, and play. Info/classroom visits: Concetta Clark, 410-995-0118.Canton Baptist Food Drive: Canton Baptist, 3302 Toone St., is trying to keep the shelves of its food pantry full. To donate, call 410-563-1177 or stop by the church.Dundalk Food Pantry: The Dundalk Church of the Nazarene, 1626 Lynch Rd., has a food pantry to help families in

the community. Those in need or those wishing to donate food can call 410-288-5136, or Michael Fiorenza 410-633-3696.Adult Learning: Learning Is For Tomor-row (LIFT), 900 S. East Ave., has small-group classes in reading, writing, math, and life skills for adults (ages 16 and over). Morning, evening, and afternoon classes are held in the lower level of the former St. Brig-id’s School. Classes for adults with learning diffi culties, learning disabilities, and learn-ing challenges. Info: 410-522-1705 or email [email protected].

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Thursday, Nov. 29, at the War Memorial Building.

The Planning Commission, chaired by Wilbur Cunningham, a mayoral appointee, is made up of five other members appointed by Mayor Stephanie Rawlings-Blake, a rep-resentative from the Mayor’s Office, Councilwoman Rochelle Spector, and a representative from the Department of Public Works.

Cunningham said that the Planning Department has been working on the new code for four years. The city’s zoning code was last overhauled 41 years ago, in 1971.

One change, according to Feinberg, is a general shift away from the “auto-oriented development” of the 1970s to encouraging “walkable, livable neighborhoods that pro-mote transit use.”

Non-conforming liquor storesMajor changes include an end to the

grandfathering of liquor stores in residential zones. If the proposed zoning code is passed, non-conforming liquor stores will have two years to stop selling liquor, wine, and beer.

“The businesses can stay there; they can sell other things,” said Laurie Feinberg, the city’s Division Chief for Comprehensive Planning, at the Nov. 29 hearing.

During the zoning rewrite, the Health Department pushed for that measure. In a prepared statement on Nov. 29, the depart-ment’s director, Dr. Oxiris Barbot, argued that “places where you can buy cheap liquor across a plexiglass window” are detrimental to public health and well-being.

“The presence of package goods stores in cities is a predictor of violent crimes,” she said.

Her statement drew a mixed reaction from the audience. There was some imme-diate applause, but several liquor store own-ers later spoke against the measure.

Under the new zoning, taverns would also have to conform to the official definition of a “tavern,” meaning that 50 percent of the establishment’s area and sales income must come from on-premises consumption.

Minor varianceFor businesses and homeowners who

wish to do something not expressly allowed by zoning, the new zoning bill has provi-sions for both major and minor variances.

The minor variance provision is new—a sign detailing the variance is posted on the property, and if there are no objections, the process may continue without a public hear-ing.

Feinberg said that “if a homeowner wants to make an addition that goes one foot into the required yard,” for example, then pursu-ing a minor variance is much cheaper than pursuing a major variance.

GroupingThe zoning bill takes a “generic use

approach,” Feinberg said. An industrial mixed use allows industrial buildings to also be used for “live-work artisans—that sort of thing.” In the past, an industrial building could only be used for industrial purposes.

Transit-oriented development would be a special zone near public transit station, with decreased automobile usage.

“This is a recognition that we want to increase the use of transit throughout the city,” Feinberg said.

Public hearingsThe next public hearing on the proposed

new zoning code is Dec. 13, 6 p.m., at the Baltimore City Community College Liberty Campus, 3100 Towanda Ave., at the West Pavilion Auditorium in the West Pavilion. On Jan. 5, there is a hearing at 11 a.m. at Poly/Western High School, and on Jan. 24, the public may comment and seek informa-tion at the Southeast Regional Library, 5 p.m.

A separate hearing is planned for the liquor store issue, time and place to be deter-mined.

The Planning Commission is scheduled to make a final recommendation on the proposed zoning overhaul on March 7. It will be heard in City Council on April 3 at 5 p.m., City Hall.

Zoning: Non-conforming liquor stores would lose grandfathered status

Baltimore’s zoning laws have not been seen a significant overhaul since 1971.


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RobberyS. Eaton St., 500 block, Dec. 3, 10:59 p.m. A man reported that while he was walking, three male suspects approached. One hit him in the face, knocking off his glasses. The other two suspects joined in when the victim started defending himself. The vic-tim fell, and the suspects took his property.N. Broadway, 100 block, Dec. 4, 11:57 p.m. A woman said that she was going home from work when a suspect wearing a mask came behind her, put a gun to her head, and said, “Kick that [expletive] out.” He removed the cell phone from her hand and fled.N. Highland Ave., 100 block, Dec. 5, 4:50 a.m. A man stated that while he was on the block, two suspects approached. One, with dreadlocks, told him “Don’t be stupid” and took his money. The same suspects alleg-edly robbed another victim at the same place and time.S. Castle St., 200 block, Dec. 5, 10:45 a.m. A woman said that as she got out of her car, a man grabbed and pulled her out and to the ground, reached in her car, took her purse, and fled. She was not injured.Foster Ave., 2400 block, Dec. 6, 8:15 a.m. A man said that while walking, three men

wearing ski masks approached. One pointed a black handgun at him and said, “Give me your money.” The victim emptied his pock-ets; the suspects removed his backpack and fled.S. Regester St., 200 block, Dec. 6, 9:15 p.m. A man told police that two men wear-ing hoodies approached him from behind, and one removed his wallet. They fled.E. Baltimore St., 800 block, Dec. 7, 6:15 p.m. A teenager said that while he was walk-ing, the male suspect approached and asked if he wanted to buy “weed.” The suspect then asked to use his phone. After making a few calls, the suspect told the victim “this is took,” meaning that he was taking the phone. Angered, the victim balled his hand into a fist, but the suspect stated, “Don’t try it; I’ll whip it out on you.” Believing the suspect may have had a weapon, the victim let him walk away with his phone.S. Kresson St., 900 block, Dec. 8, 1:50 a.m. Officers responded to an alarm call, but arrived to find a secured gate. An employee of the business eventually met the officers, and led them to the security office, where the security guard was face down on the floor with his hands and feet duct taped. The

guard told police that two men had forced their way in and displayed guns. They took his work phone. The report ends here.E. Fayette St., 2900 block, Dec. 8, 3:41 a.m. Police arrived to see a man and woman fighting. The man fled and escaped police. The woman told police that he had taken her purse. During the struggle, she said, she had pulled a small knife and possibly cut the man. She was uninjured and recovered her property.Gough St., 3500 block, Dec. 8, 12:35 p.m. A man told police that while walking, a suspect approached and asked for a ciga-rette. The victim responded “no,” and the suspect pulled out a boxcutter knife. At that point, two other suspects approached the victim, and a fight began. The victim sus-tained cuts to his face. During the struggle, his wallet fell out of his pocket. The first suspect picked it up, and the three teenage male suspects fled. BurglaryMarne Ave., 6600 block, Dec. 2, 9 a.m. A man reported that someone shattered the glass to his side door and opened it. Once inside, the suspect took a black DVD player, $100, and a bottle of Bacardi.N. Kenwood Ave., 200 block, Dec. 2, 9:10 a.m. A neighbor reported seeing two men open the house’s front window. The responding officer crawled in through the front window and secured the property. As a TV stand made entry very difficult, the responding officer did not believe that the suspects actually entered the property. The

owner was in another state at the time.Eastern Ave., 2500 block, Dec. 3, 8 a.m. A suspect forced entry through a rear window and took an XBox.N. Streeper St., 100 block, Dec. 3, 11:30 a.m. A suspect broke a rear window to gain access and took a couple televisions.N. Linwood Ave., unit block, Dec. 3, 5:30 p.m. A woman reported returning home to find her alley window pushed up and rear door unlocked. Two TVs and some costume jewelry were taken; the suspect or suspects left some property in the alley, and she recovered it.N. Belnord Ave., 200 block, Dec. 4, 7:30 a.m. A man said that he came home to find the rear door kicked in. A TV, video game system, and games were taken.Jefferson St., 2600 block, Dec. 4, 8 a.m. A woman reported that she came home to find her rear door unlocked and various electronics stolen from upstairs bedrooms. It is believed that she had left her rear door unlocked. O’Donnell St., 6600 block, Dec. 4, 3:30 p.m. The victim returned home to find her front door damaged around the lock and her television set missing.E. Fayette St., 2500 block, Dec. 5, 11:30 a.m. Officers responded to a domestic dispute. The suspect observed the officers and fled. He tried to kick in a door to a vacant prop-erty to escape. The noise alerted the police, who captured him.

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Wednesday, deCeMBeR 12, 2012 The BalTiMoRe Guide 11

THE BALTIMORE GUIDE’S 2012THE BALTIMORE GUIDE’S 2012

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Hmm, let me see. Ravens are ahead late in the game, and then blow the lead. I wonder if I just recycle the article I wrote last week my editor will notice….

After blowing a late lead to the Pittsburgh Steelers, the Ravens apparently learned nothing as they did the same against the Washington Redskins last weekend, eventu-ally losing in overtime, 31-28.

Maybe the Ravens need Orioles’ closer Jim Johnson to help close out games, because they sure are having issues in that depart-ment.

Another odd similarity to the Steelers debacle was that Baltimore yet again failed to shut down a backup quarterback at the end of the game.

Incidentally, the Ravens fired offensive coordinator Cam Cameron on Monday, and while I’m not blaming him for the loss to Washington, I have been at odds with some of his decisions over the years.

This game, however, fell on the defense. Already playing without leader Ray Lewis, Baltimore had to deal with Terrell Suggs being out as well, and it showed on the last drive of regulation.

With the Ravens up 28-20 with under five minutes remaining in the game and Washington needing to travel 86 yards for a score and also needing a two point conver-

sion, Robert Griffin III marched the ‘Skins down the field like a seasoned veteran. RG3 completed four of seven passes for 49 yards and also rushed for 17 more before getting knocked out of the game and giving way to fellow rookie QB Kirk Cousins.

Cousins completed both of his passes, one a 15-yard pass to Leonard Hankerson, and then an 11-yard touchdown pass to Pierre Garcon, with 29 seconds left in the game. Needing the two point conversion to tie, Cousins took a QB draw into the endzone to tie the game.

Baltimore would get the ball first in over-time, but a three-and-out gave the ball back to Washington. After a stellar punt return set the Redskins up at Baltimore’s 24 yard line, Washington kicker Kai Forbath kicked a game-winning, 34-yard field goal to hand the Ravens their second straight defeat.

For the game, Joe Flacco played decently well, completing 16 of 21 passes for 182 yards and three touchdowns with only one interception. Receiver Anquan Boldin caught three passes for 78 yards and two scores. Ray Rice had himself a nice game, rushing for 121 yards and a score, this time getting the ball in the fourth quarter.

Luckily for Baltimore, Pittsburgh was upset by the San Diego Chargers, meaning Baltimore’s two-game lead in the AFC North was still intact.

The schedule does not get any easier for the Ravens though, which makes this loss hurt even more. The Ravens host Peyton Manning and the Denver Broncos next Sunday and then host the New York Giants the week after.

None of those games are easy, meaning the Ravens will need to find a way to close games out on both sides of the ball. With a new offensive coordinator and with Lewis and Suggs returning soon, hopefully, I think we should be moving in the right direction.

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Booth Center: Do seniors have a say?

ently written before or during the uncer-tainty tied to the public’s rejection of a Recreation and Parks Department proposal to add 90-plus parking spaces to Patterson Park—a plan that also included, per the Health Department, the closure of the John Booth center and the relocation of its ser-vices to the park’s Casino building.

Though its members are in a state of limbo, unsure of where they will end up, the John Booth Center remains open and active. Last Friday night at the Creative Alliance, seniors sipped wine and nibbled on cheese and crackers while they displayed their art-work to the public.

Charlotte Jankowiak, who has several mosaics and painted screens on display at the Creative Alliance exhibit, said that she has been taking advantage of the John Booth Center’s free art classes for about three years.

“It’s a lot of fun,” Jankowiak said. “It’s nice to see the finished product, to realize that you can make something.”

She is most proud of a boldy-colored mosaic featuring a fish with a marble eye.

“It takes awhile to do it, but it’s so worth-

while,” she said. Jankowiak volunteered that while she and

her husband Richard make their art at the John Booth Center now, “I don’t know where we’ll be making it in the future. It’s up in the air now.”

Richard Jankowiak taught himself to make stained glass art when the couple wanted a special transom window for their new home.

“When I went out to price [a stained glass transom], it was really high, so I said that I would make it,” he said.

It took him “about five years” to finish that first project, but now he’s teaching other seniors the craft at John Booth.

Joann Scanlon, who has lived in Highlandtown near St. Elizabeth’s Parish for 40 years, specializes in jewelry. She had her own business, but now makes jewelry on a request basis and for her own satisfaction.

“All our seniors do some kind of really nice work or another,” she said. “We might be old, but we’re not dead.”

Scanlon said that she felt that the seniors’ situation—an outdated facility with no alter-native location identified—had been lost in the shuffle during the outcry against paving in Patterson Park. She said that the seniors themselves weren’t requesting 90 parking spaces.

“We just want to be happy too,” she said quietly.

“Of course, they’re talking about closing the Booth Center,” said Frances Baltrunas, 87, while displaying her watercolor paint-ings. “I’m going to be very disappointed if they do—my family’s scattered, and it’s really a home base for me.

Sandra Abbott, daughter of Richard and Charlotte Jankowiak and a member of the Highlandtown Arts District steering com-mittee, had plenty to say about the situation.

“I think that was a mistake to not let them be part of the discussion,” said Abbott, refer-ring to Councilman Jim Kraft’s and Mayor Stephanie Rawlings-Blake’s creation of the Patterson Park Working Group, which has representatives from all the neighborhoods

surrounding the park, plus park-related orga-nizations such as the Audubon Society and the Friends of Patterson Park, but not a rep-resentative from the John Booth Senior Center.

Arnold Eppel, director of the Health Department’s Office on Aging is part of the group, as is Elouise Mayne, Division Chief of the Health Department.

Abbott acknowledged that the Patterson Park Planning Committee, the sister group of the Working Group, is open to anyone concerned with Patterson Park, including seniors.

“But the meetings are at 7 p.m.,” she said. “The seniors don’t want to move their cars, and they’re afraid of being knocked over and mugged.”

Abbott said that the seniors are an indis-pensable part of the community.

“One of the cool things about this neigh-borhood is it does have some of the quote un-quote oldtimers,” she said. “We’re losing their stories and their perspective. It’s our loss not to see them as viable contributors...They need to be brought to the table and they need to be invited in a way they can participate.”

The artwork from the John Booth seniors remains on display at the Creative Alliance through Dec. 23.

See page 5 for more photos.

Joann Scanlon, sporting jewelry she made herself.

Wednesday, deCeMBeR 12, 2012 The BalTiMoRe Guide 13

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BNotes, customers’ interest in the hyper-local currency is high; however, their actual use of BNotes is low, but improving.

Slowly.Local currencies similar to the BNote—

there are more than a dozen similar alterna-tives to the greenback around the U.S.—are intended to be used within a particular area, exclusively at local businesses who choose to accept them as payment.

“Local currency…helps build local wealth and support local businesses,” says Julie Gouldener, the program coordinator for the Baltimore Green Currency Association, the organization that created the BNote.

The BGCA says corporate chains, like J. Crew or 7-Eleven or Starbucks siphon off local business, while a local currency—that can only be used at area businesses—help counter that effect.

To put it another way, you can’t use a BNote at Walmart, Hon.

You can purchase BNotes at local BNote cambios (money exchanges). Ten bucks gets you 11 BNotes.

The 170 Baltimore merchants and service providers who currently accept BNotes can trade them in for cash, give them back as change to customers, or use them to pay sup-pliers who are part of the BNote network.

“The idea is to keep them circulating,” says Gouldener.

Tom and Claudia Towles, who own aMuse on Thames St.,

say they never cash out the BNotes they receive as payments.

“We love spreading the BNotes we receive around. My wife Claudia and I like to spend ours at Woodberry Kitchen and Capitol Mac... We also give them to our employees and encourage them to find new places [to spend them],” says Tom Towles.

According to proponents, local currencies not only keep money in the community, they can also help build local supply chains.

Says Gouldener: “For example, many of the restaurants in our network use Zeke’s Coffee—a BNote merchant—as a coffee supplier.”

Reggie Stiteler, manager of Latte’ Da, a coffee shop on Aliceanna St., that accepts BNotes, says he believes that Latte’ Da can

took in when it first began accepting the alt-currency six months ago, he says.

What’s more, Stiteler says, about one out of every ten or so customers inquires about the BNote—and some ask for them as change.

Still, Stiteler feels the BNote has a way to go before people take it seriously as a cur-rency.

“Being a locally owned café, the idea of keeping [money] in the neighborhood appeals to us. But [at this point] the BNote is more of a conversation piece than a moving currency.”

“Will that change?,” Stiteler asks. “Given the interest I’ve seen, it seems like a lot of people are interested in an alternative [to U.S. currency].”

Trish White, who owns Tenpachi, a hair salon on Eastern Ave., is one of them.

White has been accepting BNotes for a year and a half, but reports that customers pay with them only once every 60 days or so.

White, herself, however, is a fan of Baltimore’s local currency.

“I use the BNotes with other merchants— Zeke’s Coffee and Michele’s Granola at the

farmers’ market and Latte’ Da cafe in Fell’s Point. It’s like getting an automatic 10-per-cent discount on places that accept them because of the exchange rate,” says White.

Nick Johnson, owner of Su Casa, seems more ambivalent.

Johnson has been accepting BNotes since they debuted, but says he can’t remember the last time someone used one in his store.

“When we first started accepting them, someone came in and spent 250BN. We thought it would keep up at that level, but it has tapered off,” says Johnson.

He adds that if Su Casa received more BNotes, he’d consider giving them to his employees as a sort of bonus.

“For that to happen, we’d need more bars and restaurants around here to accept them,” he says.

Page Branson, manager of Capitol Mac, the Eastside cambio, echoes Johnson’s senti-ments.

“We give out far more than we get,” she says, noting that about half of those she sells are viewed as novelties.

And it’s easy to understand why.The attractive bills are printed on curren-

cy-quality paper and depict Charm City

icons. A raven, (from the Poe poem) and Edgar Allan Poe appear on opposite sides of the 5BN, while Frederick Douglass and the common oriole appear on the 1BN.

“People collect them. They make a great souvenir of Baltimore,” says Johnson.

Branson agrees. She says the only thing people don’t like about the BNotes is that they come in only ones and fives. “That’s a lot of paper to carry around,” she says

According to Gouldener, the BGCA hopes to introduce 10- and 20-BN bills, and a digital pay system, within the next year or two.

She adds that the BGCA has other big plans for Charm City.

Aside from the digital system, they are exploring partnership possibilities with local government, nonprofits, small banks, and credit unions.

Might you pay your water bill (or parking tickets!) with BNotes one day?

Possibly, says Gouldener.“We have been planning to try to work

with local government since the very begin-ning.”

The BGCA’s web site lists 15 Eastside merchants who accept the BNote, includ-ing 2910 on the Square, The Corduroy Button, Alpha Hair Studio, and Baltimore Cakery, as well as PopCouture, who sells at the Fell’s Point Farmers’ Market. For a com-plete list, visit www.baltimoregreencurrency.org

BNotes: Can you use them for parking tickets?

pay a certain percent-age of its Zeke’s bill with BNotes.

Ryan Schmidt, pro-duction manager for Zeke’s, confirmed that of the coffee producer’s 200-or-so wholesale accounts, a handful buy their coffee with BNotes. Schmidt said that Zeke’s will accept BNotes for one pay-ment per month from any given account.

Stiteler says that interest in the BNote is increasing.

Latte’ Da receives about five BNotes a week—but that’s double the amount the café

Reggie Stiteler, manager of Latte Da, says that custom-ers are using BNotes more frequently.


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ALL VEHICLES Wanted. As is cond or high mi OK. Cash on the spot-same day service. Call Anytime 443-240-8151WILL PAY TOP DOLLAR! WANTED RV or TRAVEL Trailer! Cars, Trucks, SUV’s. Any condition. Cash Buyer, No hassle. Will pay more than anybody else! Call JR at 443-414-4145

PAID VINTAGE papers Left at St. James Christmas Shoppe. Please contact Jo 410-472-4154

THE BALTIMORE GUIDE will not knowingly accept ads that contain false or misleading information. However, since The Baltimore Guide cannot be held responsible for mis-representations contained in advertising we strongly rec-ommend that consumers fully investigate claims prior to purchase or contract. Some ads may require investment or request money to be sent.

Don’s Services, LLC.

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These products have been shown to increase levels ofsodium bicarbonate in the blood which can lead to:

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SALES ASSOCIATE Seeking energetic, pleasant, depend-able person. Fine home fur-nishings store. Leesha Lee Ltd. 6245 Falls Rd. 21209 410-337-7916SAW OPERATOR Steel service center is currently seeking a dependable, experienced saw operator. Must have experi-ence operating industrial band saws and possess knowledge of steel products such as beams and angles. Candidate must have a HS diploma or GED, good mathematical skills and be detail oriented. We offer a competitive pay rate (depending on experi-ence) and good benefi ts to the right candidate. Please apply directly at 1301 Wicomico St. or FAX resume to 410-539-2023. Drug free workplace. NO PHONE CALLS

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A-SAFE & DRY Garages in Canton/Highlandtown 410-391-9387 or 443-717-4018GARAGE LARGE 16X18 $130/mo, Highlandtown 5 1/2 St. 443-562-7589

3514 NOBLE ST $895/mo re-mod ths 2bd, 1 ba, w/bsmt 443-250-7943GREEKTOWN 3BR & 2 BATH House for rent on 600 blk Old-ham St avail immed fi nished basement. Call 410-365-7394HIGHLANDTOWN 29 N. East Ave, lg 3 bd,1 Ba $860 mo & util, 410-750-1422HIGHLANDTOWN 2/3 Bd, 1 ba, TH, eat in kit. private yard w/deck, W/D hookup, New Windows,Sec 8 welcome $1000/mo 410-682-6694HIGHLANDTOWN 3 Br, 1 1/2 ba. new heat & CAC, W/D hookup, detectors, private back yard, sec 8 welcome,$1200.00/mo. call Tom, 410-682-6694

HIGHLANDTOWN 2 Br. & den. 1 Ba, lg. kit., $805 mo. & util. 410-750-1422HOUSE FOR RENT-LITTLE ITALY 3 br, $1600.00 mo. 570-709-1205

EQUAL HOUSING All Real Es-tate advertised herein is sub-ject to the Federal Fair Hous-ing Act which makes it illegal to indicate preference, limita-tion or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination. We will not knowingly accept any advertising for Real Estate which is in violation of the law. All persons are hereby imformed that all dwellings advertised are available on an equal opportunity basis. If you believe that you may have been discriminated against in connection with the sale, rental or fi nancing of housing, call The United States Depart-ment of Housing and Urban Development (HUD) at 1-800-669-9777.

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NEW CANTON REHABunder construction!

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12100 SUGAR MILL CIR, BALTIMORE BC7885326 Lovely 3 bedroom end of group in Middle River.2.5 baths with finished lower

level.Patio & deck for all your entertaining needs,

BALTIMORE BA7885097Cute 2 BR/1 BA Townhouse. Fence front and rear yard. Current tenant on a month to month. Investment opportunity. Convenient to I-95 and transportation. Shows well, but appliances will convey as-is.

BALTIMORE BC7894538 This is a lovely 1 bedroom 2nd floor apartment

WEST INVERNESS BC7910696 Well maintained 3 BR/1.5 BA EOG. WINDOWS, ROOF, HVAC updated. Updated kit w/tile back splash. Finished LL has

a half BA. Covered front porch & large fenced yard w/off street parking & carport. Seller will contribute $4000.00 towards closing.

BALTIMORE BC7918444 This is a huge farm just waiting for your finishing touches. Can be used as a farm or build a lovely home. Property is

on body of water called Muddy Gut.

BALTIMORE BA7922297 Shows well.

GLEN BURNIE AA7928043Superb 3 BR/2.5 BA Colonial in the water oriented community. Crown & Chair Molding, Hrdwds, Masterw/

Vaulted Ceiling, master BA & walk in closet! Fully finished LL w/bonus rm. Landscaped fenced rear yard w/covered deck, huge patio, shed & playset.

BEL AIR HR7928379Spacious 3 BR, 2 1/2 BA Plus Loft THS. Lower Level Is Finished. Eat-In Kitchen, Separate Dining Area And

Living Room With Wood-Burning Fireplace And French Door To Deck Backing To Woods.

BALTIMORE BC7930756 Adorable, Well Maintained bungalow. Generous room sizes with HIGH ceilings! Covered front porch and

beautiful yard. LLl family room/rec room w/large built in bar or possible 3rd BR.

WESTMINSTER CR7934312 Built in 1988,3BR,split level,off-street parking,fenced front yard,huge 3 car garage

with electric, 4 person hot tub,200 amp service,wood burning FP,double pane windows,newer hot water heater.

BALTIMORE BA7937565Beautiful 3BR, 2 full BA THS. Fully rehabbed w/new cherry kit and stainless steel appls Two car garage with automatic opener refinished hardwood floors first and second level Faces Herring Run park 1 block from tot lot love the neighbors.

BALTIMORE BA7951010 Lovely 3 bedroom 1full 2 1/2 bath home with finished lower level. End of group home with beautifully landscaped yard. This home is a must see.

BALTIMORE BC7927688This is a lovely 3bedroom town home with large rooms terrace kitchen. Lower level bath has rough in for shower. Lovely patio for all of your entertaining needs.

BALTIMORE BC7950235 4 Level Split featuring 3 BR/ 2.5 BA, cathedral ceilings and is freshly painted. Updated kit w/newer appLs & counter tops.

Lrg back yrd, screened cabana(w/electric & fan), shed, privacy fence, 18 x 36 Inground pool, complete w/diving board, HVAC Approx. 2 yrs, roof approx. 5 yrs. Off street parking for 2 cars.

Top In SalesAngela Balog443-889-3127

Sales agent of the month NovemberJOHN KOLACZ443-827-5734

Listing agent of the month NovemberSHERI HIPSLEY

443 -756-5041

EDGEMERE BC7950573 Three bedroom bungalow on corner lot with water view in Millers Island. Off street parking, large

eat in kitchen, enclosed front porch

BALTIMORE BC7947840 Completely Remodeled To Include Newer Windows, Ceramic Tile, Newer Boiler,Water Heater,Updated Electrical Panel 200amps.

Remodeled Bathrooms. Seller Just Replaced Carpet Thruout House! Parking In Back. Freshly Painted

RENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATE

Source: www.hud.gov. For more information or an appointment with a HUD-certified counselor, contact the Southeast Community Development

Corporation at 410-342-3234 www.southeastcdc.org.

REAL ESTATE Q&A

HOW CAN HUD and the FHA HELP ME BECOME a HOMEOWNER

WHAT IS THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT?

Also known as HUD, the U.S. Depart-ment of Housing and Urban Development was established in 1965 to develop national policies and programs to address housing needs in the U.S. One of HUD's primary missions is to create a suitable living envi-ronment for all Americans by developing and improving the country's communities and enforcing fair housing laws.

HOW DOES HUD HELP HOMEBUYERS AND HOMEOWNERS?

HUD helps people by administering a va-riety of programs that develop and support

affordable housing. Specifi cally, HUD plays a large role in homeownership by making loans available for lower- and moderate-income families through its FHA mortgage insurance program and its HUD Homes pro-gram. HUD owns homes in many commu-nities throughout the U.S. and offers them for sale at attractive prices and economical terms. HUD also seeks to protect consumers through education, Fair Housing Laws, and housing rehabilitation initiatives.

WHAT IS THE FHA?Now an agency within HUD, the Federal

Housing Administration was established in 1934 to advance opportunities for Ameri-cans to own homes. By providing private lenders with mortgage insurance, the FHA gives them the security they need to lend to fi rst-time buyers who might not be able to qualify for conventional loans. The FHA has helped more than 26 million Americans buy a home.

HOW CAN THE FHA ASSIST ME IN BUYING A HOME?

The FHA works to make homeowner-ship a possibility for more Americans. With the FHA, you don't need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than con-ventional loans. In fact, an FHA down pay-ment could be as little as a few months rent. And your monthly payments may not be much more than rent.

Million Dollar View!!!!!!6102 DANVILLE AVE - Model

ONLY 2 LEFT!

Call Frank 443-463-4476

Realtors Welcome

New Duplex Garage Homes

with rooftop decks and sun rooms.

Grant money available for qualified applicants.

MHBR No. 1444 CONTINUED ON PAGE 19


DIVERSIFIED REALTYFEATURED PROPERTIES

Diversified Realty donates a portion of their net profit to the Wounded Veterans Administration. Support Our Troops!YOUR #1 COMMUNITY REALTOR - 410-675-SOLD

4106 Marx Ave. - Well maintained 4 bed-room, 2 bath Cape Cod in Gardenville with deck and carport.

600 Macon St - Fabulous 2 bed, 2 bath EOG top of the line renovation in the heart of Greektown! Call Nancy 410-905-1417

6820 Bank St. - REDUCED! Awesome 2 bed, 1.5 bath w/finished basement. Great price, great location!

208 S. Conkling St. - Lovely 2 bed (one is a walkthough) 1 bath TH with stainless steel appli-ances, central air, berber carpet.Move in condition - priced to sell!

6304 Golden Ring Rd - Wonderful 4 bedroom, 1.5 bath Cape Cod in great loca-tion! Central air, w/d, alarm system, glass enclosed front porch, fin. basement w/family room and bar, tons of storage, 4 car

diveway, huge fenced backyard!

RENTALSComing soon! Two new rentals in heart of Canton!Call Jamie for details 443-791-0364

Nancy Rachuba410-905-1417

DIVERSIFIED REALTY 410-675-SOLD

Have a Merry Christmas and

a Safe & Happy New Year!

Call Jamie Eder 443-791-0364

Happy Holidays

RENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATE

HOW IS THE FHA FUNDED?Lender claims paid by the FHA mortgage

insurance program are drawn from the Mu-tual Mortgage Insurance fund. This fund is made up of premiums paid by FHA-insured loan borrowers. No tax dollars are used to fund the program.

WHO CAN QUALIFY FOR FHA LOANS

Anyone who meets the credit require-ments, can afford the mortgage payments and cash investment, and who plans to use the mortgaged property as a primary resi-dence may apply for an FHA-insured loan.

WHAT IS THE FHA LOAN LIMIT?FHA loan limits vary throughout the

country, from $115,200 in low-cost areas to $208,800 in highcost areas. The loan maxi-mums for multi-unit homes are higher than those for single units and also vary by area.

Because these maximums are linked to the conforming loan limit and average area home prices, FHA loan limits are periodi-cally subject to change. Ask your lender for

details and confi rmation of current limits.

WHAT ARE THE STEPS INVOLVED IN THE FHA LOAN PROCESS?

With the exception of a few additional forms, the FHA loan application process is similar to that of a conventional loan (see Question 47). With new automation mea-sures, FHA loans may be originated more quickly than before. And, if you don't prefer a face-to-face meeting, you can apply for an FHA loan via mail, telephone, the Internet, or video conference.

HOW MUCH INCOME DO I NEED TO HAVE TO QUALIFY FOR AN FHA LOAN?

There is no minimum income require-ment. But you must prove steady income for at least three years, and demonstrate that you've consistently paid your bills on time.

WHAT QUALIFIES AS AN INCOME SOURCE FOR THE FHA?

Seasonal pay, child support, retirement pension payments, unemployment com-pensation, VA benefi ts, military pay, Social Security income, alimony, and rent paid by family all qualify as income sources.

Part-time pay, overtime, and bonus pay also count as long as they are steady. Spe-cial savings planssuch as those set up by a church or community association - qualify, too. Income type is not as important as in-come steadiness with the FHA.

CAN I CARRY DEBT AND STILL QUALIFY FOR FHA LOANS?

Yes. Short-term debt doesn't count as long as it can be paid off within 10 months. And some regular expenses, like child care costs, are not considered debt. Talk to your lender or real estate agent about meeting the FHA debt-to-income ratio.

WHAT IS THE DEBT-TO-INCOME RATIO FOR FHA LOANS?

The FHA allows you to use 29% of your income towards housing costs and 41% to-wards housing expenses and other long-term debt. With a conventional loan, this qualify-ing ratio allows only 28% toward housing and 36% towards housing and other debt.

CAN I EXCEED THIS RATIO?You may qualify to exceed if you have: • A large down payment• A demonstrated ability to pay more to-

ward your housing expenses• Substantial cash reserves• Net worth enough to repay the mortgage

regardless of income evidence of acceptable credit history or limited credit use less-than-maximum mortgage termsfunds provided by an organization a decrease in monthly housing expenses.

HOW LARGE A DOWN PAYMENT DO I NEED WITH AN FHA LOAN?

You must have a down payment of at least 3% of the purchase price of the home. Most affordable loan programs offered by private lenders require between a 3%-5% down payment, with a minimum of 3% coming directly from the borrower's own funds.

WHAT CAN I USE TO PAY THE DOWN PAYMENT AND CLOSING COSTS OF AN FHA LOAN?

Besides your own funds, you may use cash gifts or money from a private savings club. If you can do certain repairs and im-provements yourself, your labor may be used as part of a down 8 payment (called -sweat equity"). If you are doing a lease purchase, paying extra rent to the seller may also be considered the same as accumulating cash.

Q&A cont'dCONTINUED FROM PAGE 19


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Roast Prime Rib of Beef (24 oz.).......................$14.95Broiled 8 oz. Filet Mignon w/crab imperial.......$18.951-1/2 Lb. Whole Steamed Maine Lobster.........$16.95

2 Broiled Jumbo Lump Crab Cakes...................$18.951-1/2 Lb Whole Maine LobsterStuffed with Crab Imperial OR1 Center Cut Pork Chop &2 Stuffed Shrimp............................................$20.95

40 oz. Steaks! your choice of: • Prime Rib • T-Bone • Porterhouse

$18.95

Seafood Night – Any fish on the menu stuffed w/crab imperial.............................$21.9532 oz. Broiled Colossal Crab Cake (Made with Jumbo Lump Crab Meat)...........$30.95

Plus Six Other Specials!

Serving 6 different specials every Friday & Saturday night.Not affiliated with any other restaurant. Reservations recommended. Parking on our lot. Major Credit Cards Accepted!

(Eastern & Dundalk Avenues) visit our website for our full menu: michaelscrabcakes.com

Baltimore’s Best

Michael’sGift Certificates

Make a Great Gift for Any Occasion

We ship our ready to eat crab cakes any

where in the U.S

•

Info: www.historicfederalhill.org • [email protected]

Shops and galleries offer discounts, specials, and treats. “Larksong”strolling carolers in Victorian dress add to the festivities.

Get something unique for everyone on your list.

The festivities kick off at 7 pm with a Tree Lighting and a visit from Santa, courtesy of Federal Hill Neighborhood Association and SoBo

Kids, and caroling at South Baltimore Recreation Center (corner of Cross and Light).

Stop by Federal Hill Main Street for FREE gift wrapping, light refreshments, and your special “passport” for the evening.

Get your passport stamped at 5 participating businesses and be entered into a drawing to win prizes.

418 S. Conkling St. • 410-327-4550MINIMUM DELIVERY $7.00

ATM

PACKAGE GOODS 7 DAYSBEER, WINE, LIQUOR

‘Become a Fan’ Filippo’s Pizzeria

418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling St418 S. Conkling StSERVING BALTIMORE FOR OVER 30 YEARS

18” Pizza$8.99

Dine in or Pickup

18" Pizza1 Topping$13.99+ tax

2-16" Pizzas

1 Topping ea

$19.99+ tax

2-10” Subs,2FF, 2 Can Sodas $14.99 + tax

Limited Time Only. Choice of Any Sub at $5.49

1-10” Sub,1FF, 1 Can Soda$7.99 + tax

Limited Time Only. Choice of Any Sub at $5.49

20" Pizza1 Topping$15.99+ tax

18” Pizza12 Wings & 2 Liter Soda$19.99 + tax

FEATURING JUMBO BUFFALO WINGSWITH YOUR CHOICE OF GREAT SAUCES

$5.99 $9.75 $17.99 $29.99

$59.99

Tomato & Cheese $8.99 $12.99 $13.99 $15.99Toppings $1.59 $1.79 $1.99 $2.10Toppings Include: Pepperoni, Green peppers, Black Olives, Mushrooms, Onions, Pineapple, Meat sauce, Green Olives, Spinach, Feta Cheese, Jalapenos, Bacon,

Ham, Anchovies, Broccoli, Italian Sausage, Extra Cheese.

)

the baltimore guide - december 12, 2012

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