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Baltimore Guide - November 28, 2012
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W EDN ESDAY, N OVEMB ER 28 , 2012
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WHAT'S HAPPENING
CONTINUED ON PAGE 2
FAMILY-FRIENDLY:Friends share the story of Patterson Park’s evolution. PAGE 4
Artistic project upgrades Upper Fell’sBY ERIK [email protected]
Photo by Jan Mooney
The residential streets of East Baltimore are filled with photo-worthy sights—murals, stained glass, painted screens, artfully craft-ed wrought-iron railings, and mosaics. How did they get there?
The newest addition, a mosaic at the entrance to the Upper Fell’s Point Community Garden, was a group effort shared by com-munity members, local school children, the city itself, and local mosaic artist Cinder Hypki.
“I love to work in mosaic with commu-nity groups because it’s an artistic medium where everybody gets to be an artist,” said
Hypki. “At least 50 people were in my studio on summer nights working on this.”
A total of about 60 people spent about 600 total hours on the project, according to the Upper Fell’s Point Improvement Association.
The mosaic reads “Upper Fell’s Point Garden” and features renderings of vegeta-bles, fruits, and other gardening- and Baltimore-related scenes and items. Students from Wolfe Street Academy drew designs, and Hypki converted the drawings to a tiled mosaic medallions to adorn the text.
Hypki used “colorfast” tile, which means that each tile’s color is consistent for the
SERVING EAST BALT IMORE S INCE 1927
5 2 6 S . C O N K L I N G S T R E E T | 4 1 0 - 7 3 2 - 6 6 0 0 | I N F O @ B A L T I M O R E G U I D E . C O M | W W W . B A L T I M O R E G U I D E . C O M
A tree grows in McElderry
Baltimore’s urban tree canopy has been in steep decline for decades, and now is the time to rebuild it, says Jill Jonnes of the Baltimore Tree Trust, a nonprofit dedicated to planting trees in communities that need them most.
Baltimore should be covered with about a 40 percent tree canopy, according to American Forests, a conservation organiza-tion. A larger tree canopy helps remove carbon dioxide, pollutants, ozone, and par-ticulates, and means more natural habitat for birds.
“Right now, the city is closer to 25 per-cent,” says Jonnes, a founder of the Tree Trust.
Taking a swig out of crime
Most would say that crime doesn’t pay, but on Monday night it did for Max’s Taphouse—in the upper room, around 100 residents attended a special meeting on crime in the greater Fell’s Point area, called by 1st District Councilman Jim Kraft.
Southeast District Major William Davis, in attendance with Southeast Lieutenant Melissa Hyatt and Detective Jenkins, noted that there have been 10 robberies in the area—which includes Fell’s Point, Upper
BY ERIK [email protected]
CONTINUED ON PAGE 10CONTINUED ON PAGE 5
Volunteers carefully place the Upper Fell’s Point Community Garden mosaic onto the concrete. They are, from left: John Raby, Kurt Schiller, Morgan Hansen, Marla Hallacy, Eva Lesko, John L. Raby, and Cinder Hypki, the mosaic artist.
Steady... steady...
PIZZA PIZZA:Verde in Canton offers authentic pizzas, as eaten in Naples. PAGE 3
BY DANIELLE [email protected]
✦ Patterson ParkNo Pain No Spain 5k and Fun Run: Over Spring Break of 2013, middle school students from the Patterson Park Public Charter School will be traveling to Spain in order to experience a new culture and meet students from their buddy classroom in Toledo, Spain. The Dec. 1 race, starting at 9 a.m. at the Virginia Baker Rec Center, is a fundraiser for the trip. Info: www.pp-pcs.org.
✦ HighlandtownHolidays in Highlandtown: The festivi-ties begin at 6 p.m. on Friday, Nov. 30, with the lighting of the holiday tree near the Southeast Anchor Library. A certain Jolly Old Elf will appear, and the High-landtown Merchants’ Association Santa House will be open for wish lists and pictures. Then everyone will stroll across Conkling for the grand opening of the Highlandtown Train Garden, at Engine Company 41, 520 S. Conkling St.
See our complete Community Calendar on pages 6 and 7.
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2 The BalTimore Guide Wednesday, noVemBer 28, 2012
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The term “tree canopy,” or “urban forest,” refers to the part of city that is shaded by trees.
The Tree Trust decided to focus its efforts on a community in dire need of trees—East Baltimore’s McElderry Park was chosen as a pilot project.
McElderry Park is bordered by Patterson Park Ave. to the west, Linwood Ave. to the east, Fayette St. to the south, and Monument St. to the north. The community comprises 88 city blocks, the majority with a dearth of trees.
“McElderry Park is a ‘code red’ neighbor-hood, which means it is lower income and has lower public health indices and high rates of asthma,” notes Jonnes.
In terms of a tree canopy, McElderry Park’s coverage come in at about 13 per-cent—half of other neighborhoods.
“If you know McElderry Park, you know that entire blocks of McElderry Park have not a single tree or even a single tree pit,”Jonnes says.
Jacquelyn Fisher, a McElderry Park resi-dent for eight years, was one of the first people in her neighborhood to advocate for
the tree planting.“I wanted to make the block look more
like home, look more like a residential com-munity,” Fisher says. “I enjoy gardening, and trees provide a sense of peace.”
The Tree Trust has been working with the City, Banner Neighborhoods, the McElderry Park Community Association, Amazing Grace Lutheran Church, and other groups since 2011 to get the trees planted.
To start the project, the Tree Trust hired local youth to conduct a tree inventory of the neighborhood last year, using iTree soft-ware.
The software helped the organization map McElderry Park and inventory its tree stock by age, size, condition, and type.
Using that data, the Tree Trust planted trees in a four-block area in the spring. “That was phase 1,” says Jonnes.
Before the trees are planted, the Tree Trust makes sure neighbors agree to take care of them.
“This summer, a group of local youth with an adult supervisor mulched those trees,” says Jonnes.
The trees are now thriving. Even though it takes a while for the trees
to grow —three to five years before you see a shade impact—residents say the neighbor-hood looks and feels different from the moment the trees are in the ground.
“The Tree Trust is making the neighbor-
hood looks so nice,” says Fisher. “It was amazing. I’m already thinking about trees for next year.”
Perhaps surprisingly, McElderry Park hasn’t always been tree barren, Jonnes points out.
“Longtime McElderry Park residents say that years ago, it had more trees—a lot more trees. Some parts of the neighborhood do have large, healthy mature trees. It’s odd. What happened to the rest... I’m not sure.
Maybe a tree disease,” she speculates.Charles Murphy, operations manager at
Tree Baltimore, the City’s tree-planting divi-sion, who frequently collaborates with the Tree Trust, says he has no idea.
“That’s a good question,” says Murphy, addig that he will put the question to local tree experts.
In November, the Tree Trust did its final planting of 2012 on the 2800 block of Jefferson St., transforming a one-tree block into a nine-tree block in the course of a morning.
Brigitta Latkowsky, who lives on Jefferson St., was delighted.
“I love nature and horticulture. I came from a neighborhood with tree-lined streets. I would often stop and take in the fragrance of the magnolias,” says Latkowsky. “We need trees here. Most of the homes in the neighborhood have concrete yards. I have seedlings of my own that I have to grow in pots.”
The Trust will resume its plantings in McElderry Park next spring.
Over the next five years, the group plans to plant between 600 and 800 trees in McElderry Park and conduct research on how well-being is affected by the increased tree canopy.
“Season after season, we’ll be planting up the blocks,” says Jonnes. “People feel like it’s changing the neighborhoods, and chang-ing their lives.”
Brigitta Latkowsky is elated to see trees coming to her neighborhood.
Photo by Peggy Fox
CONTINUED FROM PAGE 1
McElderry Park residents welcome trees
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WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 3
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Verde Pizza Napoletana: Baltimore charmed by pizza of Naples
We’ve got sausage, pirogues and crabs, and now Baltimore is becoming a city with a viable pizza scene.
Sure, we’ve always had the classics, like Matthew’s deep dish, and in the last few years pizza pioneers such as Joe Squared, Iggies, Johnny Rad’s in Canton, and most recently Hersh’s in South Baltimore, have slowly morphed Baltimore into a first-class pizza town.
But with Verde Pizza Napoletana opening in Canton at 641 S. Montford Ave., the stan-dards are raised even higher. A good thing for Baltimore.
Verde specializes in Neapolitan pizza. What is Neapolitan? As the co-owner Ed Bosco describes it, Neapolitan is the pizza of Naples.
You can find blogs devoted to the finer points of what makes a Neapolitan—the oven, temperature, fuel, ingredients—but in layman’s terms, a Neapolitan is a thin-crust (made with flour, water, yeast, sea salt) pizza, where the dough, sauce, and toppings are of equal importance, culinarily speak-ing.
The Bosco family, who are Italians and now Marylanders by way of Chicago, have infused Verde with a charming mid-century cooler, and rustic family heirlooms such as a
box cheese grater mounted on the wall.Bosco, who co-owns Verde with his wife
Marianne Kresevich, spent years looking for the right location in Baltimore, a city he loves to call his “Goldilocks city.”
“Not too big, not too small, just right,” Bosco says.
“My dad fell in love with this place when he saw it,” says Evan Bosco, Ed’s son, a piz-zaiolo, or pizza maker, who co-manages the store with his dad.
Verde shows the effort the Boscos have put into rehabbing a great space with reclaimed wood and an antique bar with a trough.
Verde’s main draw, however, is its food. The pizzas, the focal point of the menu, are listed under two categories—rosso, with tomato sauce, and bianche, without.
I tried one from each category. First up, was the margherita ($8), a subtle pizza that lets the flavors—high-quality tomato sauce, fior di latte (made from cow’s milk) moz-zarella, pecorino romano, basil, and olive oil—shine through. If you have leftover cor-nice (the pizza’s crusty rim), you should dip it in the chili-infused olive oil that is offered with every pizza.
In the bianche category, I ordered the
pistacchio e salsiccia ($16), with fior di latte, fresh pistachio pesto, sausage—made in-house from ground pork, red wine, and salt—pecorino romano, basil, and olive oil. If you’ve never had a nut pesto, or a nut pesto on a pizza, now is the time to try it. The pistachio and pork complement each other perfectly, making for a savory, unctuous, but somehow light pie.
Regrettably, I didn’t have time to try the sorrentina ($12) —with imported smoked buffalo mozzarella, sliced lemons, and
basil—but it’s on my long list of must-trys for next time, as are Verde’s salads, and the burrata (fresh cheese made with mozzarella and cream) and mozzarella they will soon be making in-house. And there are the des-serts.
Yes, the pizzas are light enough that you might consider ordering dessert, such as the fresh ricotta, almond and honey dessert pizza ($10).
If you visit Verde, count on ordering one pizza per adult, more or less. Those who want to watch the pizzaiolo retrieve the bub-bling, blistering pies with the pizza paddle should ask for a table in the back.
Verde offers wines by the bottle and by the glass, as well as a selection of craft beers, many from Italy.
There is currently no happy hour, but drafts run between $4 and $7 a pint. Peroni and The Raven are two-for-one during Ravens games with the purchase of a pizza.
Verde is open Tuesday through Sunday for dinner and also serves lunch on the weekends. Bosco says he hopes to open for lunch a few more days during the week and eventually offer brunch.
Ed Bosca, co-owner of Verde Pizza Napoletana, says that perfect ingredi-ents in perfect harmony is the key to the perfect pizza. We would tend to agree. Photo by Danielle Sweeney
BY DANIELLE [email protected]
Editor’s note: In this series, Baltimore Guide reporter Danielle Sweeney reviews local restaurants.
Verde Pizza Napoletana: Baltimore charmed by pizza of Naples Verde Pizza Napoletana: Baltimore charmed by pizza of Naples ALTIMOREBITES ALTIMORE ALTIMORE
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4 The BalTimore Guide Wednesday, noVemBer 28, 2012
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The Friends of Patterson Park, created per the park’s Master Plan in 1998, is currently looking for new members. Two long-time members, Jenn Aiosa and Jennifer Arndt Robinson, are changing roles. After six years on the Friends of Patterson Park Board, and years as a Friend prior to that, Jenn Aiosa is leaving the board. Jennifer Arndt Robinson, who has been president of the board for the last two years, is stepping down to serve on the Patterson Park Working Group.
The Friends are having a happy hour tonight, Wednesday, 5:30-7:30 p.m., at Sharky’s Bar and Grill, 2819 Eastern Ave. Those who come and become a new mem-ber of the Friends or bring a new member get a free drink and “treasure.”
The Guide caught up with Arndt Robinson and Aiosa to discuss how Patterson Park has changed over the years.
How has the park changed over the course of your involvement?
Arndt Robinson: I’ve been in Baltimore since ‘98, and in the Patterson Park neigh-borhood since ‘01. Originally, I lived on Ellwood Ave. I purposely bought a house a few blocks away from the park because the park wasn’t an asset back then. It took a few years to get the park to a become a place that wasn’t “to be avoided.”
It’s so different now; the park is a reason for people to move here. When I got mar-ried, my husband and I stayed here because of the park.
Aiosa: It’s a little bit chicken or egg—what happened first, more people in the park or the improvement in the park? There were many people who saw Patterson Park as a “diamond in the rough.”
I had my dogs; I would only bring them to the park on Saturday morning, when people were using it. I think there was a reputation, too, that kept people away. As people ven-tured in, people saw that there was this extended community of people that wanted to see the park get better. Once the Friends of Patterson Park formed, we started imple-menting a capital improvement program. The Pagoda and the marble fountain were two very successful projects.
What are important targets for the future of Patterson Park and the Friends of Patterson Park?
Arndt Robinson: We’re focused on keeping our programming free, to reach as
many people as possible. We’re also inter-ested in increasing our individual members [in the Friends of Patterson Park]. We’d love to continue engaging residents.
Aiosa: We need to keep reaching out to corporate and other donors. It’s important to keep stuff going. A majority of these improvement efforts are paid for by the Friends of Patterson Park, not by the city. When there are 2,000 people enjoying a concert, that does have to be paid for. We want folks to understand that they can be involved and contribute to what’s happening in the park.
What is your personal favorite park activity?
Arndt Robinson: The summer concert series. We’ve seen it evolve over the years; now it’s strollers and dogs as far as the eye can see.
Aiosa: Personally, I love the tree team. It’s just fun. One Saturday morning a month, and it’s actually pretty social. It’s young-to-middle-aged folks who want to get outside and do something a little physical.
(Aiosa met her husband on the tree team six years ago.)
Patterson Park Friends Jennifer Arndt Robinson, left, and Jenn Aiosa enjoy a crisp fall day in the park, with Arndt Robinson’s daughter, Rose.
Patterson Park: Getting by with a little help from the Friends
Glad tidings
Organization seeking new members
Christmas events start in earnest in East Baltimore this weekend. Ace photographer Tom Scilipoti submitted this shot from last year’s Parade of Lighted Boats in Inner Harbor. This year’s parade starts at 6 p.m. on Satur-day, Dec. 1, in Fell’s Point. Check pages 6 and 7 for more holiday events.
Photo by Tom Scilipoti
Both St. Casimirs Savings Bank and Bay-Vanguard Federal Savings Bank partnered with the Maryland Bankers Association and the American Red Cross to assist in the response and recovery efforts of those affected by the devastation of Hurricane Sandy.
Both banks created funds for the American Red Cross Hurricane Sandy Disaster Relief, patterned after a relief effort undertaken by the Maryland banks after the September 11 attacks.
Bay-Vanguard and St. Casimirs are col-lecting donations for the Red Cross from Nov. 21 through Dec. 31. One hundred per-cent of donations will be donated to the American Red Cross.
To donate through St. Casimirs, contact representative Lisa Lau at 410-276-0895. To donate through Bay-Vanguard, visit www.bayvanguard.com for branch hours and locations.
Local banks team up for Hurricane
Sandy relief
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Wednesday, nOVeMBeR 28, 2012 The BalTiMORe Guide 5
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inside and outside of the tile—if a blue tile is chipped, the chipped part will still be blue, not white.
“This is the same tile that’s in the bath-rooms at BWI,” said Hypki.
The mosaic installation included a full replacement of the sidewalk in front of the community garden. Around the mosaic is Gravel-Lok paving, a surface that allows water to seep through. To demonstrate, Hypki poured water directly onto the sur-face; it immediately disappeared. The Gravel-Lok surface is made up of pea stone held together with a bonding agent, which was poured onto the stone by volunteers with watering cans.
There are currently two maple trees grow-ing in the immediate vicinity of the mosaic. Plans are in motion to plant a third. Hypki noted that the absorbent surface should ensure that the trees thrive.
“City trees have such a hard life,” she said.
Wolfe Street Academy students who par-ticipated in the project include Shabre Bailey,
Brandon Guzman, Melissa Lopez, Alejandro Martinez, Andrea Moreno, Nayley Paz, Eric Vazquez, Lettis Kelly Zavala, and their teacher, Melissa Jencks.
“Community art, like community gar-dens, is one of those things that bring people together so well,” commented Hypki. “We get together, talk about community prob-lems, and do some socializing.”
A photo gallery chronicling the mosaic’s construction and installation can be seen in the photo gallery section at www.upperfell-spoint.org.
Cinder Hypki at home in her Lombard St. studio
CONTINUED FROM PAGE 1
Mosaic project unites Upper Fell’s community
Photo by Jan Mooney
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6 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
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6 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
COMMUNITY CALENDAR
Please send all calendar items to [email protected]. Events are due at noon on the Friday before publication.Wednesday, November 28Residential Permit Parking Work Session: A City Council Work Session has been scheduled for two Council bills related to residential permit parking. The two bills are: Bill 12-0125 (this bill addresses RPP Area 43, including whether it should be approved, discontinued, and/or extended.) and Bill 12-0102 (this bill rewrites the resi-dential permit parking area statute.) The Work Session will be held at 5 p.m. at City Hall in the Council Chambers on the fourth floor.Happy Hour with the Friends of Patterson Park: 5:30-7:30 p.m. at Sharky’s Bar and Grill (2819 Eastern Ave., across from the Pulaski Monument). Become a member/bring a new member to the Friends and get a free drink and the latest Friends treasure.Thursday, November 29Help the Mayor with the Budget: The Citizen Budget Workshops provide an opportunity for citizens to roll up their sleeves and help Mayor Rawlings-Blake with the tough decisions she faces in the
upcoming fiscal year. Participants will be able to prepare their own budget recommen-dations. Digital Harbor High School,1100 Covington St., 6-8 p.m.TransForm Baltimore Hearing: After three years of meetings, discussions, and draft documents, City Council Bill 12-0152 -TransForm Baltimore, has been introduced. The bill includes both the text and maps of the new zoning code. Electronic copies of the text and maps, and important back-ground information, can be found at the TransForm Baltimore website http://www.transformbaltimore.org. A Planning Commission hearing will be held at 6 p.m. at the War Memorial Building, 101 N. Gay St.Friday, November 30Central Library Book Sale: Friday, Nov. 30 - Sunday, Dec. 2, Central Library Main Hall, 400 Cathedral St. Info: www.prattlibrary.org. Wine and Beer Tasting: OTC Market, Fell’s Point, 4 p.m. This Olde Tyme Christmas event is presented by the Wharf Rat and and V-NOMayor’s Address: Mayor Stephanie Rawlings-Blake visits Fell’s Point’s Olde Tyme Christmas to congratulate the neigh-borhood on its “top 10” status at 5:30 p.m.,
Immediately following, the Parade of Lighted Boats will start in Fell’s Point.Holiday Hoopla in Historic Dundalk:Free for the whole family at Center Place, Shipping Place, and Heritage Park. A free holiday parade, Santa in the park, a cookie tour, and train garden, from 4 -7 p.m. Info: dundalkusa.org or call 410-282-0261.
Broadway Square.Christmas Market: Various vendors sell their holiday wares, Fell’s Point, Broadway Square, 3-9 p.m. The market is also open Saturday and Sunday, 9 a.m.-9 p.m. and 9 a.m.-6 p.m., respectively.Saturday, December 1Wine and Beer Tasting: OTC Market, Fell’s Point, 11 a.m.-6 p.m. This Olde Tyme Christmas event is presented by the Wharf Rat and and V-NOFell’s Point Egg Nog Contest: This year’s contest will be held from noon to 5 p.m. This free event is part of Fell’s Point Main Street’s Olde Tyme Christmas Holiday weekend. Restaurants and retailers offer a taste of their very best eggnog to visitors and residents. Visitors will again pick up their ballots at the Fell’s Point Main Street booth on Broadway Square and head out to sample special eggnog recipes.Build Your Own Gingerbread House: With the Fell’s Point Preservation Society, noon-3 p.m., Fell’s PointPunch and Judy: See Professor Horn’s Punch and Judy puppet show, aimed at chil-dren and adults alike. 5 p.m., Fell’s Point Broadway Pier.Fell’s Point Tree Lighting: The tree will be lit at 5:30 p.m. in Broadway Square.
Event of the Week
Merry Tuba Christmas: Over 200 festively-dressed tuba and euphonium players will capture the spirit of the holi-day as they blend their unique styles, rhythms, and progressions for all to enjoy. Free at the Harborplace Amphitheater, Saturday, Dec. 1, 3 p.m.
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WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 7
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WEDNESDAY, NOVEMBER 28, 2012
COMMUNITY CALENDAR
Flea Market: Emmanuel Lutheran Church at 3131 E. Baltimore St. will have a flea market from 9 a.m. to 1 p.m. The event will be held in the lower level of the church. Christmas items, baked goods, and other items will be for sale.Institute of Notre Dame Christmas Bazaar: The Institute of Notre Dame will hold its Christmas bazaar from 12-3 p.m., at 901 Aisquith St.Contact Denise Lesniewski at [email protected], December 2Merry Mart: Merry Mart is an annual juried holiday craft show that showcases high-quality handmade arts and crafts from indie crafters, including members of the Charm City Craft Mafia, the Baltimore Etsy Street Team, and fine artists and crafts people from Highlandtown and across the region. The event will be held from 11 a.m.-5 p.m. at the Creative Alliance, at 3134 Eastern Ave.BARCS Holiday and Fun Pet Costume Contest: Bring your pet in his or her best costume. Fell’s Point, Broadway Square, 2 p.m.Monday, December 3Southeastern District Community Relations Council Meeting: This meet-ing is open to all residents and business owners of the Southeastern District. The Council serves as a multi-functional liaison for the community’s residents and business owners and the Southeastern police. The meeting will be held at 5710 Eastern Ave. at 7 p.m.Tuesday, December 45th Annual O’Donnell Square Lamp Post Lighting: Bring the children and join the excitement of the 5th Annual Lamp Post Lighting Ceremony to kick off the 2012 O’Donnell Square Holiday Celebration from 6-9 p.m.Vote on your favorite best decorated Lamp
Post and Store Fronts while sipping deli-cious free hot chocolate and coffee. More cheer will be available through Champagne, Irish coffee, cider and egg nog. Santa will make his annual debut following the Lighting of the Lamps at 6:30 p.m. sharp. Proceeds to benefit the Believe In Tomorrow Children’s Foundation.Wednesday, December 5Patterson Park Planning Committee Meeting: This committee will be open to anyone who wishes to participate in devel-oping the updated Master Plan for Patterson Park. The first meeting of the planning com-mittee will be held at 7 p.m. in the Virginia Baker Rec Center. At this meeting, the role and structure of the committee will be dis-cussed and a schedule of regular meetings will be developed.Save the DateDec. 7 Little Italy Tree Lighting: The Little Italy Christmas Tree Lighting is spon-sored by the Original Little Italy Restaurant Association and will take place at 7 p.m. in the parking lot at the corner Stiles and High streets. This is a free family event. Christmas carols will be performed by the Baltimore Choral Arts Society. Santa Claus will visit with treats for the children. Complimentary hot apple cider, hot chocolate, Italian cook-ies, and roasted chestnuts (while supplies last). Info: [email protected] NotebookLights! Camera! Action!: The Baltimore Film Office at the Baltimore Office of Promotion & The Arts is now accepting entries for the eighth annual Baltimore Screenwriters Competition. Winners receive cash prizes, all-access passes to the 2013 Maryland Film Festival, and passes to local movie theaters. Eligible screenplays are given valuable coverage and critique. The deadline for submission is January 30, 2013. An application form is online at www.balti-morefilm.com.
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8 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
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CAUTION CAUTIONCAUTION CAUTION SoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastSoutheastNEIGHBORHOOD WATCH
Robber struggles with senior woman, calls in armed friends for backupRobberyE. Fairmount Ave., 2600 block, Nov. 18, 3:50 p.m. A man reported that while he was leaning into the back of his SUV, a man approached, put a gun to the back of his head, and demanded “everything.” The vic-tim told him to take everything he wanted. The suspect took a ziplock bag of loose change and fled, tucking his gun into his waistband. Eastern Ave., 2200 block, Nov. 18, 10:40
p.m. Two suspects entered a business; one pointed a gun at the proprietor, and the other walked around behind the register and took cash. They fled. S. Broadway, 200 block, Nov. 18, 11:02 p.m. A man wearing a mask entered the store and pointed a gun at the clerks. He took money from the cash drawers and fled. Citiwatch cameras didn’t capture the inci-dent. A witness was located.N. Kenwood Ave., 200 block, Nov. 19,
12:30 p.m. A man reported that while he was walking, three unknown males approached and placed a knife to his neck. One of the suspects punched him in the neck, knocking him out. They took an iPhone and $200 cash. The victim did not get a good look at the suspects, as he was jumped from behind. A search of the area turned up nothing.Mason Ct., 300 block, Nov. 19, 5:30 p.m. An older woman reported that she was approached by a man who demanded her money. She struggled with him, and he yelled for help. Two other men jumped out of a vehicle and pointed their guns at her. They went into her pockets and took $4. Citiwide cameras didn’t capture the incident. She was unharmed.N. Conkling St., 200 block, Nov. 19, 7:20 p.m. An officer was stopping a car when he was flagged down by the victim. She said that her purse had been stolen, and the sus-pect was hiding nearby. She told police that she had met the suspect and agreed to a date. Thinking she was following him home, she said she followed him into a dead-end alley. He grabbed her purse, and, after a struggle, fled with it. After the suspect was placed under arrest...(here the police report is cut off.)E. Fayette St., 3100 block, Nov. 19, 8:05 p.m. A man reported that while walking, he was approached by another man, who asked for a cigarette. The victim stated that he didn’t have any, and the suspect put him in a headlock and put a gun behind his ear. Two other suspects punched the victim in the face; the victim struggled over the gun,
which fell to the ground. The suspect pushed the victim to the ground, and he hit his head.N. Belnord Ave., 600 block, Nov. 20, 11:30 a.m. A woman was sleeping when her ex-boyfriend entered via a key he had and began a verbal argument. It turned physical; he reportedly bit her and poured bleach on her. He took her phone and fled.S. Castle St., 100 block, Nov. 20, 9:14 p.m. A woman reported that while walking, a short and chunky man asked her for change. She said no, and another man came up behind her, grabbed her neck, and spun her around. She reported that he had a small, fake-looking gun. The first man came up, shoved her to the ground, and they went through her purse, taking only her cell phone.S. Duncan St., 300 block, Nov. 20, 11:25 p.m. A woman reported that a man ran up and yelled, “Give me your purse or I’ll shoot you in the head.” He kept one hand in his pocket as if he had a gun. He bit her and took her Coach purse, plus $60 cash and her iPhone.Dillon St., 3200 block, Nov. 22, 2:30 a.m. A man reported that while he was walking, a red Ford F150 pulled up. A man got out, pointed a gun and the victim, and told him to get inside. The victim handed over his property, but the suspect continued driving around for about an hour, then picked up another male, who took the victim’s cell phone.
FOR THE FULL POLICE LOG, PLEASE VISIT WWW.BALTIMOREGUIDE.COM
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Wednesday, nOVeMBeR 28, 2012 The BalTiMORe Guide 9
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10 The BalTimore Guide Wednesday, noVemBer 28, 2012
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Major Davis: Photos in Baltimore Guide led to big arrest
Fell’s, Butchers Hill, and Fell’s Prospect—including five that occurred at commercial businesses.
“That’s our biggest pattern happening right now,” Davis said, adding that the five business robberies had similar circumstanc-es and suspect descriptions.
“We believe they are the same suspects,” he said.
The most recent victims were the China House on Eastern Ave. and the Broadway Mart on S. Broadway. Both were robbed on the night of Sunday, Nov. 18. The previous week, on the evening of Monday, Nov. 12, robberies occurred at Scooter’s Seafood on Bank St. and the Van Gough Cafe at Gough and Ann. There was also an incident at the Rumba nightclub on S. Broadway.
Davis said that a “robbery,” in police ter-minology, is a theft of property involving physical harm or threat of physical harm. In four of the five robberies above, a silver handgun was used to threaten the victims.
Responding to a question from the audi-
ence, Davis said that though citywide crime is down for the year, robbery type crimes in the Southeast District are up 8 percent, though the previous year was historically low in robberies, he said.
“There have been about 30 incidents in the entire district for the year,” he said.
Davis updated residents on several cases that had occurred recently.
Recent casesThe sexual assault that was reported on
the promenade in Fell’s Point at the begin-ning of the month remains unsolved.
“We have no other information than what was in the original report,” said Davis, though he added that officers were deployed on the promenade from Caroline St. to the Bay Cafe immediately after the assault, and an officer remains stationed at the wharf near the assault from 5-9 a.m. and 5-9 p.m.
In other instances, progress has been made. Davis said that a suspect who had committed several robberies had been iden-tified thanks to surveillance photos taken at
a Harford Rd. store. A warrant has been issued for his arrest.
In another case, the major acknowledged the Baltimore Guide for printing photos of a suspect shopping with a stolen credit card at Target.
“Believe it or not, the suspect’s uncle brought him in and said, ‘This is your guy,’” said Davis.
The man was arrested and charged in five robberies.
Police presenceThe meeting was called by Kraft to
answer residents’ questions on police pres-ence and response to reported robberies.
Davis said that there are 35 officers work-ing each of three shifts in the Southeast District, with an absolute minimum of 18 cops on the street during a shift, though there are often more.
Davis said that in addition to those offi-cers, there is the Flex Unit, currently deployed in Highlandtown, which sees the most robberies in the Southeast, the Drug Unit, and the Public Housing Unit. Officer Larry Fasano patrols Fell’s Point on foot, as well. Davis added that a former colleague now supervising the Maryland State Police has sent seven officers into Baltimore during the last two weekends.
Regarding response, Davis said that the first thing police do when a robbery is reported is “circle the wagons” and look for
the suspect.“Fifteen to 20 percent of the time, we
actually catch the suspect” immediately after the robbery, he said.
How to avoid/survive robberiesFor businesses, Davis recommended sur-
veillance cameras. In one instance, he said, the owner of a bar told the man robbing his establishment that he was on camera.
“Oh, never mind,” said the would-be ban-dit, making a quick exit.
Ron Furman, owner of Max’s, noted that he has 48 cameras in his establishment.
For individuals, Davis said that it’s always best to give a robbery suspect whatever he wants. But it’s also important, Davis added, to “be the best witness you can be.” That means writing down everything you can remember about the robber as soon as pos-sible, from what he says, to what his weapon looks like, to the color of the shoes that he’s wearing.
Detective Jenkins noted that it is common to find a suspect days or weeks later, wear-ing the exact clothing that was described in the original police report.
Another tip: don’t have your cell phone shut off. Police can trace the signal. Davis recommended that residents with iPhones download the “Find My Phone” app. For stolen credit cards, cancel them, but try to determine where and when they were used by the thief, Davis added.
Interacting with police officersKraft said that some residents had told
him that when they see officers congregat-ing at a place such as Royal Farms or Panera Bread, those officers “for a lack of a better phrase, they’re not very respectful to citi-zens.”
Davis responded that, though those offi-cers are most likely assigned to other dis-tricts and are in the Southeast because of the food, they are still required to either address a resident’s needs or find an officer who will address the need.
“If you do not get the service you need, I want you to go back and call 911, not 311, and say ‘I have an officer here who is not getting me the service I need. I want a super-visor here,’ and a supervisor will be sent out to respond,” said Davis.
He said that officers can be identified by badge numbers, name tags, and numbers on their cruisers.
Moving forwardKraft said that the next community crime
meeting would likely involve representatives from State’s Attorney Gregg Bernstein’s office, and possibly Bernstein himself, to explain how criminals are being prosecuted and sentenced.
Major Bill Davis, left, fields questions from residents with Councilman Jim Kraft. Photo by Phyllis Fung
CONTINUED FROM PAGE 1
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"Not responsible for typographical errors. Artwork is for design purposes only and does not necessarily represent the product advertised. We reserve the right to limit quantities."
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29 30 1 2 3 4 5FRI SAT SUN MON TUES WED THURSPrices Effective November -December 2012
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1129_1205_Santonis_4pgs:05.03_05.09_Santonis_4pg 11/20/12 2:52 PM Page 1
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grocery
"Not responsible for typographical errors. Artwork is for design purposes only and does not necessarily represent the product advertised. We reserve the right to limit quantities."
Prices Effective November 29 thru Wednesday, December 2, 2012
Santonis IGAInstant Coffee8 Oz.
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10-12 Oz. Btls.Santoni’s IGASoy, Hot or
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General Mills CerealsGolden Grahams 16 Oz., Cocoa Puffs 16.5 Oz.,Cheerios 18 Oz., Lucky Charms 16 Oz..Cinn. Tst. Crunch 16.2 Oz. or RPB Puffs 18 Oz.
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$6.49Nirvana
Spring Water24/16.9 Oz.
$3.99Poland Springs
WaterGallon or 3 Liters
10/$10Austin
Snack Crackers7.4 Oz.
10/$10Adirondack
2 Liter SodasSelected Flavors
10/$10Santonis IGAMW Popcorn
9-10.5 Oz.
10/$10
WoWSavings!
7 Oz.Santoni’s IGAFlaked Coconut
10/$10
Prego PastaSauce 45 Oz.
$2.99
Hunt’s 6 Oz.Tomato Sauce
20/$10
Luigi VitelleTomatoes28 Oz. 10/$10
Santonis IGASweet Potatoes15 Oz. 10/$10
Holiday 10For$10StockUpSALE!
Dasani Water24/16.9 Oz.
2/$9.00
Pepsi Cola20/12 Oz.
$5.99
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Seafood Savings
Frozen & Dairy
meats & seafood
"Not responsible for typographical errors. Artwork is for design purposes only and does not necessarily represent the product advertised. We reserve the right to limit quantities.”
Prices Effective November 29 thru Wednesday, December 2, 2012
Pick any 5 packages of meat, Mix or Match with our"Pick 5" label on it and pay only $19.99 - regardless
of individual package price! Our cashier will puttogether 5 packages on one charge for $19.99. It doesnot matter what the individual package total adds upto be. You must buy 5 packages to get the specialpricing and each package must have the a red
"Pick 5" label on it. Quantities less than 5 packageswill be rung up at the regular price for each item.
You can buy 5 different varieties or 5 of the same itemor mix and match - your choice!
*Varieties will change daily due to availability.
Pick 5 Today in OurMeat Department
& Save!**(Varieties will change daily due to availability)
Previously FrozenBeef Back RibsGreat for the holidays!
$2.39Lb.
Alexander & Hornung 97%FF Petite HamSlices5 Oz.
$1.49Alexander & HornungSmoked Kielbasa1 Lb. Pkg.
$3.29Cook’s Center CutHamSteaksQuick Dinner Idea
$3.69Lb.
Fresh Shoulder BladeCut LamChopsRound Bone Lamb Chops $4.69 Lb.
$4.39Lb.
Perdue ShortCut SaleSelected 9 Oz.
$3.99Jone’s BraunsweigerChub or Liver Sausage8 Oz.
$2.29HygradeMeat Franks1 Lb. Pkg. 4/$5
Farmland SelectedSandwichMeats6 Oz. Pkg. 99¢
Steak-ummSandwich Steaks9 Oz. Pkg. 2/$7
Green GiantCreate AMeal17-24 Oz. 3/$10
Santonis IGAVegetablesSelected 32 Oz. 4/$10
Aunt Jemima Fr. Toastor Pancakes12.5-14.8 Oz. 4/$10
Pillsbury FTO12 Ct. Biscuits25 Oz. 2/$6
Jose OleBurritos4-5 Oz. 10/$10
Birdseye PlainBox Vegetables9-10 Oz. 10/$10
Friendly’s SundaeIce CreamCups6 Oz. 10/$10
J&J PretzelBites9 Oz. 10/$10
Selected Varieties•Mix or MatchSignature Brand Products
Pick 5 For $19.99
TropicanaPure PremiumOrange JuiceSel. 89 Oz.
2/$10
Tree RipeOrange JuiceSel. 59 Oz.2/$6.00Turkey Hill
Teas & AdesSelected 128 Oz.
4/$10Florida NaturalOrange JuiceSelected 59 Oz.
2/$6Borden’s IWSAmerican Cheese12 Oz.
$2.99YoplaitYogurtsSelected 6 Oz.
10/$6
Santonis IGASoft CreamCheese 8 Oz.
$1.99
(1) Dozen
Chincoteague RawOysters in Shell
$5.99Dozen
Under 15 Count
RawShrimp
$9.99Lb.
32 Oz. Package
PacificWhiting Fillets
$5.992.5 Lb. Pkg.
Baltimore CrabTilapia
$8.99
USDA ChoiceCenter Cut Bone-InChuck RoastBone-In Chuck Steak $3.49 Lb.
$3.29Lb.
75/25Fresh LeanGround BeefFamily Pack
$2.49Lb.
BonelessPork ShoulderCutlets
$1.59Lb.
JohnsonvilleSausage LinksSel. 12 Oz.2/$6.00
Hot or SweetItalian Sausage LinksFamily Pack
$2.49Lb.
Fresh Bone-InLean PorkSpareribs
$2.69Lb.
FieldaleBonelessChicken Breast
$3.49 Lb.
Armour BasicLunchmakers2.6-3.3 Oz.10/$10
Nathan’s CheckersFamous Fries
28 Oz. $2.99
Tree RipeOrange Juice59 Oz.
2/$6Stouffer’s FrenchBread Pizza10.38-12.5 Oz.
4/$10HoodIce CreamSelected 48 Oz.
$2.99SwansonHungry-Man Dinners13.1-16 Oz.
2/$6
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produce
Fresh Deli & Bakery
"Not responsible for typographical errors. Artwork is for design purposes only and does not necessarily represent the product advertised. We reserve the right to limit quantities."
Prices Effective November 29 thru Wednesday, December 2, 2012
Our Hot Foods Bar,Always Fresh,Always Tasty!
Per Lb.
Chesters8 Piece
Family Pack
$8.99 McCadamMuenster Cheese $5.99Lb.
Margherita Cracker SizeGenoa or Hard Salami $3.998 Oz.
Stella SelectedCheese Wedges $4.497-8 Oz.
Our Famous Store MadeCheese Bread
Single Loaf
$2.99Ecce PanisBaguette11 Oz. Loaf
$2.49Fresh BakedBlueberry Pie
8 Inch 24 Oz.
$4.99Fresh Baked
Buttermilk Biscuits4 Pack
$2.99AssortedNut Breads
15.5 Oz.
$3.69Santonis Offers Many Services To Make Grocery Shopping Easier For You!
VISIT OUR IN-STORE BANK
Santonis Accepts:
OPEN24 HOURS
The MD Lottery.Sit & Play atOur KENO Barduring yourshopping trip!
Money Orders39¢
Pay Your Bills HereEXPRESS
BILLPayment Service
Pay YourUtility Bills
Here!
Manufacturer’sDOUBLE COUPONS
See store for details.
Senior Citizen DiscountOFFERED EVERYDAY!
$20 minimum purchase. See store for details.
Alpine LaceSwissCheese
$7.99Lb.
White or YellowLand O’ LakesAmerican Cheese
$6.99Lb.
WeaverChickenRoll
$3.79Lb.
Yukon RussetPotatoes5 Lb. Bag
2For
$5Extra LargeHot HouseTomatoes
$2.49Lb.
CelloSpinach8 Oz.
$1.99FreshGreenCabbage
49¢Lb.
Dole ColeSlaw Mix14 Oz. Bag
$1.79Jennie OStore RoastedTurkey
$7.99Lb.
WilsonTop RoundCorned Beef
$7.99Lb.
Russer’s Natural JuiceReduced SodiumHam
$4.99Lb.
4 Inch PinchedPoinsettia Plants
3/$10or 6 Inch Premium
Red Poinsettia Plants2/$12From Our
Hot Foods BarMeat Loafwith Gravy$5.79 Lb.
Labree 8” 21 Oz.Pineapple UpsideDown Cake$7.99
Ecce Panis 16 Oz.Semolina Batard
$2.99
Wenner 16 Oz.Pizza Dough10/$10
OakrunMultiFlavor DanishRing 18.8 Oz.
$4.99
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Wednesday, nOVeMBeR 28, 2012 The BalTiMORe Guide 11
Let David help you today! 21 Years of Automotive Sales ExperienceTop 50 New & Used Vehicles Sold National21 Years in Toyota National Sales SocietyOver 8,000 Total Vehicles Sold
or the Rectory office at 410.732.3960
BIRDS HOUSE: fair trade?
by Andy MindzAk
Last week the Orioles traded away infield-er Robert Andino to the Seattle Mariners for outfielder Trayvon Robinson.
The Miami native Andino started off his career with the Florida Marlins before head-ing to Baltimore. He spent four seasons with the Orioles, most of which were at second base, while Brian Roberts was on the dis-abled list. Over the course of his 360 games he played with the O’s, Andino hit .239 with 16 home runs and 80 runs batted in.
During the 2012 season, the 28-year-old Andino hit .211 with a career high seven home runs as he played in 127 games. Andino has always had a flare for the dra-
matic, and one such time was during the last game of the 2011 season as Andino hit a walkoff double against the Boston Red Sox which kept Boston from making the play-offs.
In return, Baltimore gets Trayvon Robinson, a 25-year-old switch hitting out-fielder. Robinson split time between AAA Tacoma and the Mariners last year. While in AAA, Robinson hit .265 with nine home runs and 41 runs batted in over 83 games. Robinson also stole 19 bases while in Tacoma. While on the Mariners, Robinson hit .221 with three home runs and 12 RBI in 46 games.
As it appears now, Andino has a legiti-mate shot to be the everyday starter at sec-ond for Seattle, so hopefully he can capital-ize on that opportunity.
As for Robinson in Baltimore, the outfield seems to be pretty full. Adam Jones and Nick Markakis most likely aren’t going any-where, and left field has Nolan Reimold and Nate McLouth for the time being, so Robinson will probably start his 2013 sea-son in AAA.
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12 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012 WEDNESDAY, NOVEMBER 28, 2012
HolidaysCatering HolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysCateringCatering for the
The Perfect Party MenuThe holiday season has arrived, and the
to-do lists are stacking up. You've got deco-rating to do, gifts to buy and parties to plan. Better get a move on fast. Here are some factors to consider to help you plan the per-fect party menu every time.
What? What kind of party are you hav-ing? A dinner party? A fondue party? A cocktail party? A formal dinner party for 12 will require a larger menu than a fondue or cocktail party for 15. You will need a full-course meal for the dinner party, whereas you may opt for a few hors-d’oeuvre trays for the fondue or cocktail party.
Why? Why are you having the party? To gather everyone together to celebrate the holidays? To celebrate the holidays and an anniversary, birthday or some other special event? The more elaborate the occasion, the more elaborate the menu may need to be. A combo holiday-promotion celebration, for example, might call for a cake and cham-pagne in addition to several hors-d’oeuvres.
Who? Whom are you inviting to the party? Everyone you know? A select few?
BY TRESA ERICKSONCOURTESY ADBUILDER.COM The more people you invite, the wider the
menu selection should be to cater to a num-ber of tastes. If you are inviting just a few friends, you should know their likes and dislikes and be able to cater your menu to that. Make sure you take any special dietary needs of your guests into accommodation. If someone is a vegetarian, diabetic or has food allergies, for example, you will want to account for that in the menu.
When? When are you having the party? Late morning? Mid-afternoon? Early eve-ning? The time will dictate the type and amount of food you serve. A late morning party might call for a full brunch buffet, whereas a mid-afternoon tea party might call for a few pots of tea and a sheetcake.
Where? Where are you having the party? At home? Somewhere else? Home parties may require you to plan the menu, whereas a party elsewhere might limit the menu planning or eliminate it altogether. If you are having a get-together at the local bowling alley, for example, you might be able to order several pizzas for everyone to munch on and leave it at that.
How? How will the menu be prepared? Will you be doing all of the work yourself or bringing in someone to do it for you? Depending upon where the party is located, you may be able to save yourself some time and effort by having the food catered. It may cost you more, but it may permit you to have a bigger spread.
You may serve whatever you want at your holiday party. Just make sure you take the factors above into consideration and your menu suits the tone of the party. While cookies and milk might satisfy a bunch of kids at a holiday party late in the afternoon, it won’t work for a table of adults looking forward to a late night holiday dinner.
Why not have your party catered to save yourself time and effort?
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WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 13
Wedding?Catering for all Occasions
• Receptions • Anniversaries • Birthdays • Bullroasts • Retirements • Reunions
Visit our website www.delcapri.com302 German Hill Road Baltimore, MD 21222 • 410-284-7789
FREECEREMONYwith this coupon with a
Del Capri Wedding Receptionbefore 12/31/12
Includes Rehearsal, Pastor & Ceremony Room. Based on Time/Date Availability.
Featuring
Baltimore’s
BESTWINGS
We can customizeany menu for your event!
Party platters, entrees, soups, salads and desserts.
Sports Teams, Offi ce Parties
Family Gatherings
& More!
2100 FLEET STREET410-327-5477
www.baltimoresbestwings.com
CATERING
PRIVATE PARTY ROOM
PERFECT for the HOLIDAYS
UP TO 75 PEOPLE!
Call for details and to reserve your space in advance.
N
EW Y
ORK STYLE DELI and CATERER
S
443-835-3867443-835-3954 FAX3515 Eastern Avenue
Mon-Sat: 10am-7pm; Closed Sun
Holiday Party Trays for any occassion -
from office parties to dinner parties
FREE LOCAL DELIVERY
Soups • Salads • Appetizers • SidesSandwiches •Specialty Sandwiches
Treats by the Pound • Desserts
“What’s your beef?”
Buy $100 in gift cards, receive a free $20 gift card!
HolidaysCatering HolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysHolidaysCateringCatering for the
Bon Appétit!BY TRESA ERICKSONCOURTESY ADBUILDER.COM
The holidays are a time to gather with those near and dear to your heart and treat them to some tantalizing food. Whether you are planning to serve a big meal or just a few appetizers, here are some recipes you might want to try.
Eggnog Hot Chocolate12 oz. semisweet chocolate chips2-1/2 c. milk4 c. eggnog 1 t. vanillaWhipped cream8 cinnamon sticks, garnishMelt chocolate in milk over low heat.
Remove and let stand for 2 minutes. Whisk until chocolate is smooth. Add eggnog and heat until warm. Remove from heat and add vanilla. Pour into mugs and serve with whipped cream and a cinnamon stick.
Cranberry Salad
1 12-oz. pkg. frozen cranberries, chopped1 20-oz. can crushed pineapple2 c. sugar1/2 pt. heavy whipping cream1 c. walnuts, chopped2 c. mini marshmallowsCombine cranberries, pineapple and
sugar. Let stand for 1 hour for sugar to dis-solve. Strain, cover and refrigerate overnight. When ready to serve, whip cream until soft peaks form and fold into cranberry mixture with walnuts and marshmallows.
Don't feel like cooking? Have your holiday party catered!
See our advertisers for catering options...
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14 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
ANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTSANNOUNCEMENTS
ADVERTISEIN THE GUIDE410.732.6600
AUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVEAUTOMOTIVE
SERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICES
SERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICES
REAL NICE clean Quality ser-vice at reasonable prices! Bonded & insured. Free esti-mates. Call 410-388-0460
BOB’S GUTTER SERVICE! Ex-pert cleaning & repairs! Guards installed, handyman. Same day. All areas! Low Rates. 410-750-1605
1AAA ABC Attics, Bsmt, Ga-rage, Yards. 20 yrs of honest hauling. Same Day. Call Mike: 410-446-1163ABM’S HAULING Clean Houses Basements, Yards & Attics Haul free unwanted cars Match Any Price!!!! 443-250-6703
ED’S HAULING You call, We haul! Free estimates 443-831-8556
MIKE’S HAULING services ALL TYPES trash removed From your home. No job too big or small. Reas. rates, free est. Call Mike 410-294-8404
AVERSA BROTHERS inc. Driveways, sidewalks, patios, all types of concrete construc-tion. MHIC#50286. Call now: 410-933-9633/ 868-9643
COMPLETE LANDSCAPING Bushes, Hedges trimmed. Jungles cleared, etc. Joe 443-904-5162, 410-485-9568
1979 CHEVY VAN Runs Good, $800.00-Call 410-284-6625
AARON BUYS CARS/TRUCKS Any year or condition. Fair prices. 410-299-9640ALL VEHICLES Wanted. As is cond or high mi OK. Cash on the spot-same day service. Call Anytime 443-240-8151
BETTY’S GARDEN Christmas Open House Dec 1st & 2nd, 10a-4p, Come Start your sea-son with us. Our Providence Volunteer Fire Co. will be with us alsoTHE 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.
Green Thumb1 Cut FREE - Will Beat any Price!Mowing, Mulching, Patios!!!For every 6 yards of mulch receive onefor FREE. 443-895-1176Mhic#64323
Leaf & Snow Removal
Find out if special glasses can help you see better.
Call for a FREE phone consultation with Dr. Azman.
Help for people with Macular Degeneration
866-269-3916Thomas Azman, OD www.LowVisionMD.org
WET BASEMENTS STINK !!Mold, mildew and water leakage into your basement causes health and foundation damage. What can be done to fix the problem? Allstate American Waterproofing is an honest, hardworking local company. We will give you a FREE evaluation and estimate and a fair price. We have repaired thousands of basements in the area; we can provide local references. When your neighbors needed waterproofing, they called Allstate American. Why don’t you? Call now to receive a 20% discount with your FREE ESTIMATE. MHIC#36672
CALL 1 800 420 7783 NOW!
"
GUTTERS-ROOFINGSIDING-WINDOWS
DECKING-SUNROOMS35 years ExperienceFree EstimatesLicensed and Insured
Featured Nationally on NBC’s The Today Show
410-321-0330www.alliedremodelingtowson.com
#50888
Services Include:• Brick & Stone Repair• Porches • Steps• Sidewalks • Wall Repointing• Chimney/Fireplace Repair
Proprietor: Keith MalloneeOffice Phone: 410.356.6202Web Address: www.Custom-Contractor.comLocated: Owings Mills, MarylandMHIC#79665
CUSTOM CONTRACTOR UNLIMITEDFully Licensed, Insured & Bonded
Services Include:• Brick & Stone Repair• Porches • Steps• Sidewalks • Wall Repointing• Chimney/Fireplace Repair
Proprietor: Keith MalloneeOffice Phone: 410.356.6202Web Address: www.Custom-Contractor.comLocated: Owings Mills, MarylandMHIC#79665
Specializing in Concrete &Masonry Construction Since 1977
DrivewaysSidewalksPatiosStepsCustom Design
(o) 410.663.1224(c) 443.562.7589
MHIC #3802WWW.LSCMD.COM
BrickStoneStuccoChimneysBasements
410-442-4443
Free EstimatesA-1 Roof and
GutterGutter Repairs, Guards
& CleaningOne call does it ALL!!
30 years exp.Same day service
Emergency Service
www.handsonpainters.com 410-242-1737
• 2-story Foyers/Vaulted Ceilings• Drywall/Water Damage Repair• Power Washing/Decks/Homes• Handyman/Carpentry• Wallpaper Removal
• Military Discounts• Senior Citizen Discounts
• Licensed & Insured• MHIC#70338
THE BEST QUALITY PAINTING
Interior/Exterior Starting at:Rooms - $175 • Windows - $35
Work Done by OwnersLicensed in MD for 30 years
Chris & Mike LeveroBonded & Insured
Free EstimatesFIVE STAR HOME SERVICE
410-661-4050www.fivestarmaryland.com
PAINTING SERVICE
MHIC# 10138
• Painting (Interior & Exterior)• Sheet Rock• Light Carpentry• Pressure Wash & Coat Decks
Licensed443-831-7340 (cell)
410-477-5079 (office)
D & RFREE
EstimatesReasonable Rates Senior
Discount
Painting
Rooms Painted
$150 Rooms up to 9’x10’Materials not includedMinimum 2 roomsper roomfor
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WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 15
SERVICE DIRECTORY Quality, Local Businesses dedicated to improving our community
Advertise your business in the Baltimore Guide’s
SERVICE DIRECTORYSUSIE MOORE • [email protected]
ACH
CO
NTA
CT
AUTOMOTIVE REPAIR EXTERMINATOR
Termite & Pest ControlMDA#26036
Serving Baltimore City & County
Bed Bug Control
410-558-0315www.allpest.com
410-675-4338601 S. Luzerne Ave, Baltimore, MD 21224
SERVICING THE CANTON AREA FOR OVER 20 YEARS
• MD State Inspections• MD Emissions Test Repairs• Factory Scheduled Maintenance • Foreign and Domestic Vehicles• Computer Diagnostic Specialist• Road Service & Towing Available
$5.00 off Premium 3000 Mile
Maintenance Service
with this coupon
NICHOLASFLEET STREET SHELL
Herman RossmarkROOFING INC
410-675-5440MHIC# 1448
FREE ESTIMATES
Residential & CommercialRoofing • Spouting
• Skylights • Chimneys • Siding • Painting
• Glass Block Windows• Deck Tops • Railings
ROOFING
efficient,reliable,honest
Tom AllenHome ServicesHome Services
410-344-7762www.tomallenhomeservices.com
licensed and insured mHIC#125297
General General Household Repairs
Thank You Baltimore! For voting us your
Favorite Handyman 2 years in a row
PLUMBING
FREE ESTIMATE
ALWAYSWATERPROOFINGWATERPROOFING
1-888-339-0660
Sump Pumps • Drainage Lines Sump Pumps • Drainage Lines Water Removal
Window Well Drains Structural Repairs
Downspout Lead Offs Rubber Membrane Walls
Concrete/ Crawlspace Basement Digouts
Mold Remediation
We Will Beat Any Professional Written Estimate!
WATERPROOFING
Jim BushPlumbing
• Plumbing • Heating • Bathroom & Kitchen
Remodeling • Waterproofi ng• Drain Cleaning
410-644-1399
Senior Discounts24 Hour
Emergency Service
Quality at a Fair Price 410-327-8670
L.G.Ellinghaus Md St 2446/ B.Co. 8A
Serving East BaltimoreSince 1978
Plumbing & Heating Co. Inc
Boiler Specialist• Repair/replace sewer water lines
• County sewer hookup • Water Heaters • Sump Pumps
• Toilet, sink disposal repairAll Plumbing Repairs • Large or Small
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
Visa, Mastercard,Visa, Mastercard,and Discover acceptedand Discover acceptedand Discover accepted
Senior DiscountSenior Discount
Reasonable RatesFast Service
24 Hour24 HourEmergency Service
410-285-5351Master Plumber: Carl StilwellMaster Plumber: Carl Stilwell
Lic #18002
Plumbing & Drain Cleaning Specialist
$$$$$$$$$$$$$
and Discover acceptedand Discover acceptedand Discover accepted
Stilwell Plumbing 10% OFF with this ad
Free Phone EstimatesResidential and Commercial
BED BUGS(Las Chinches)& TERMITESare back!
MHIC#10318 • BLDG CONTR#4766MDA#454
Bob McNeill Pest Control
410-327-1386
We provide Termite Control and Certification
& Do-It-Yourself Chemicals
4009 Eastern Ave.
HOUSE CLEANING HOME IMPROVEMENT
HOME IMPROVEMENT
410-522-4928 Rayleneor 410-916-2971 Dot
Moppin Mommas
Inc.Residential & Commercial
CleaningInsured & Bonded
Established since 1995
FREE EstimatEs
$20 oFF second Cleaning
P easantROOFERS
PP3727 E. Pratt St.410-285-5556
Serving Baltimore since the 1930’s!
License #405
• Roofi ng of all types • Skylights • Spouting
FREE ESTIMATESResidential & Commercial
Baltimore’s BestService Professionals
Let’s build a BRIGHTER Baltimore.
We can build a stronger local economy and create more opportunities for growth and change in our community by supporting our local Home Improvement Businesses and Services.
Investing in a brighter future is somethingwe can all believe in!
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EMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENTEMPLOYMENT
16 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
SERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICESSERVICES
3141 Elliott StreetBaltimore, Maryland 21224 410-522-0177
MHIC# 32741
Serving Canton, Fell’s Point, Federal Hill & Highlandtown for over 30 years
Free Estimates/FHA Certs/Senior Discounts/ Emergency Service
General Home ImprovementsSkylites/Gutters/Siding
EVERD ROOFING INC.
We Now Accept
*Medical, *Business, *Criminal Justice, *Hospitality. Job placement assistance. Computer available.
Financial Aid if qualified. SCHEV authorized.
Call 877-206-4290www.CenturaOnline.com
Attend COllege Online frOm HOme
Become an Aviation Maintenance Tech. FAA approved training.
Financial aid if qualified – Housing available. Job placement assistance.
CALL Aviation Institute of Maintenance800-481-8974
AIRLINE CAREERS BEGIN HERE
CONSTRUCTIONMajor Construction Job –
Scaled Wages!
Immediate openings for Baltimore city residents:
· Bricklayers · Certified Scaffold Erectors · Forklift Operators · OSHA 30 Certified Workers
ABOVE AVERAGE PAY. Must pass drug/bkgrd.
Please send resume to [email protected]
or fax: 410 659-5555.
MERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISEMERCHANDISE
ESTATE/MOVING sale Monk-ton - 17414 Wesley Chapel Rd. Sat 12/1, 8-3. High end treasures at incredible prices! Collectibles incl. furn, linens, wicker, garden items, Xmas decor, entertaining pcs, & much more! Defi nitely worth the drive - don’t miss it
ABSOLUTELY PAYING Top Cash For: Antiques, Collect-ibles, Jewelry, Trains, Old Toys, WW2 Memorabilia, Pot-tery, Glassware, Colts & Ori-oles Call Todd: 443-421-6113
LIONEL, IVES Voltamp trains bought at Greenberg’s Train Show. 12/1 & 12/2. Call Bill 410-913-9484
ANIMAL CARE TECH some week day 8am-4pm, Week-ends 8am-1pm, Jacksonville. Care for Animals. Heavy cleaning, computer offi ce exp, strong work ethic, rewarding job saving animals. Call 410-527-1466
HOUSE CLEANING Maid Bri-gade. Paid vacations/holidays, bonuses, health ins. No nights /wknds. Transp req. Mileage paid. FT/PT. 410-683-6243
SALES PT Fine home furnish-ings store. Energetic, outgo-ing, dependable. 410-337-7916. Apply in person. 6245 Falls Rd. 21209
SECRETARY Small downtown collection law fi rm. Knowl-edge of District Court helpful but not necessary. Accuracy is a must. Fax resume to 410-539-2602 or email to [email protected]
TIS THE Season** Earn $22.50 hr\avg rate A fun & exciting atmosphere is look-ing for FT hard workers NO EXP NEEDED WE TRAIN 410-616-0615
MEDICAL BILLER needed for busy Internal Medicine prac-tice in Parkville. Mon-Fri 8:30 to 5:00. Experience a must and knowledge of Medical Mastermind helpful. Competi-tive pay. Email resume to:marylandmedfi [email protected]
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To participate in this feature section, contact your ad representative before noon on Monday, December 3.
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Your Guide for the Holidays
THE HIGHLANDTOWN
BUSINESSSPOTLIGHT
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RENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATE
WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 17
KINGSVILLE LARGE 2 bay garage, newly renov, 24x13 offi ce space, open lot space on Rt1, $1200 mo, 410-592-5933
A-SAFE & DRY Garages in Canton/Highlandtown 410-391-9387 or 443-717-4018
garage 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 443-250-7943
GREEKTOWN 3BR 1ba $1050 +util + SD, CAC extremely clean 410-825-5494
GREEKTOWN 3BR & 2 BATH House for rent on 600 blk Oldham St avail immed. Call 410-365-7394
HI TOWN/LEVERTON 2 Br.& Den,1 Ba, Lr., unfi n. bsmnt. $805 mo. & util. 410-750-1422
EQUAL HOUSING All Real Es-tate advertised herein is sub-ject to the Federal Fair Housing Act which makes it illegal to indicate preference, limitation or discrimination based on race, color, religion, sex, hand-icap, familial status or national origin, or an intention to make any such preference, limitation or discrimination. We will not knowingly accept any adver-tising for Real Estate which is in violation of the law. All per-sons are hereby imformed that all dwellings advertised are available on an equal opportu-nity basis. If you believe that you may have been discrimi-nated against in connection with the sale, rental or fi nanc-ing of housing, call The United States Department of Housing and Urban Development (HUD) at 1-800-669-9777.
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18 THE BALTIMORE GUIDE WEDNESDAY, NOVEMBER 28, 2012
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
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Cell: [email protected]
NEW CANTON REHABunder construction!
2 car parking, below 300kCall for details!
Now Interviewing New & Experienced Agents.410-288-6700www.AdvanceRealtyDirect.comOFFICE
PHIL PHIL TIRABASSITIRABASSI
Owner/Broker Owner/Broker 443-690-0552443-690-0552 Full Service Discount Experts SM
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OPEN HOUSE SAT, DEC 1 12-3PM1008 7TH ST • $308,000
Top in Listings MarchKristi Booth
443-690-1185
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.
ESSEX BC7930794Spacious Raised Rancher w/3 BR, Granite Countertops in Kit & Baths w/ New Vanities. New Kitchen Appls, New
Flooring, New Wndws, New Neutral Carpet thru LR & BR. Freshly Painted. Large Sunroom, New French Doors. 2 Fireplaces 2 Car Garage .
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.
JOPPA HR7951073 Two large bedrooms 1.5 bath townhouse in water oriented community of Rumsey Island. Community Park
(Mariner Point) with boat ramp. Enclosed back porch with fenced back yard. Freshly painted.
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 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.
GREEKTOWN BA7958213 CASH ONLY, INVESTORS DREAM. 3 bedroom, 2 full bath townhouse with marble stoop in Greek Town.
Pam Sturgill443-695-3521
BALTIMORE BC79618203 BR/2 BA 3 level split. Hrdwd Flrs, LL family w/FP. French doors that lead to the patio. Property being sold as-is but shows well. Seller will
make no repairs. Buyer is responsible for verifying ground rent. If ground rent exists, seller will not redeem. Subject to third party approval.
BALTIMORE BC79603053 BR/1 BA Colonial. Needs a little work but has great potential. Being sold as-is. Seller will make no repairs. Buyer to verify ground rent.
IF ground rent exists, seller will not redeem. Subject to third party approval. Electric is not on, bring flashlight.
Timothy Tribble410-952-3577
BALTIMORE BA7959476Previously used as a 3 unit property. GREAT potential. Property being sold as is. Seller will make no repairs. Subject to third party approval.Being sold in a group with BA7959474, BA7959476, BA7959346, BA7959322. Potential
for 12 rental units between the 4 properties.
BALTIMORE BA7959474Previously 3 units. Seller will make no repairs.Use caution when entering. Enter at your own risk. The roof has a hole in it, water damage. The
electric is not on,bring a flash light.Being sold in a group with BA7959474, BA7959476, BA7959346, BA7959322.
BALTIMORE BA7959346Previously used as a 3 unit property. Needs Work. Being sold as is. Seller will make no repairs. Subject to third party approval.Being sold in a group with BA7959474, BA7959476, BA7959346, BA7959322. A potential of 12 rental units between the 4
properties.
BALTIMORE BA7959322Previously used as a 3 unit property. Property being sold as-is.Sold as-is.Seller will make no repairs.Subject to third party approval. Being sold in a group with BA7959474, BA7959476, BA7959346. Potential for 12 rental
units between the 4 properties.
BALTIMORE BC7956926Beautiful EOG. 3 Br/1.5 Ba w/extra lrg rms. Lovely step down living room w/sparkling hardwoods. Finished LL with bar, gas FP and a half BA. AC/FURN/HW have all been
updated. Large, fenced rear yard boasts a parking pad, lg. covered patio and a recent shed.
EDGEWOOD HR7952350 Gorgeous mobile home in a tree covered park. Recently replaced wndws, SS appls, newer porch & patio and the ultimate kitchen package.
Seller has already purchased the propane tank that transfers with the house!
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
FINDING the RIGHT LOAN for YOU
ARE THERE ANY COSTS OR FEES ASSOCIATED WITH THE LOAN ORIGINATION PROCESS?
Yes. When you turn in your application, you'll be required to pay a loan application fee to cover the costs of underwriting the loan. This fee pays for the home appraisal, a copy of your credit report, and any addi-tional charges that may be necessary. The application fee is generally non-refundable.
WHAT IS RESPA?RESPA stands for Real Estate Settle-
ment Procedures Act. It requires lenders to disclose information to potential customers throughout the mortgage process, By do-ing so, it protects borrowers from abuses by lending institutions. RESPA mandates that lenders fully inform borrowers about all closing costs, lender servicing and escrow
account practices, and business relationships between closing service providers and other parties to the transaction.
For more information on RESPA, or call 1-800-569-4287 for a local counseling referral.
WHAT IS A GOOD FAITH ESTIMATE, AND HOW DOES IT HELP ME?
It's an estimate that lists all fees paid before closing, all closing costs, and any escrow costs you will encounter when pur-chasing a home. The lender must supply it within three days of your application so that you can make accurate judgments when shopping for a loan.
BESIDES RESPA, DOES THE LENDER HAVE ANY ADDITIONAL RESPONSIBILITIES?
Lenders are not allowed to discriminate in any way against potential borrowers. If you believe a lender is refusing to provide his or her services to you on the basis of race, col-or, nationality, religion, sex, familial status, or disability, contact HUD's Offi ce of Fair Housing at 1-800-669-9777 (or 1-800-927- 9275 for the hearing impaired).
WHAT RESPONSIBILITIES DO I HAVE DURING THE LENDING PROCESS?
To ensure you won't fall victim to loan fraud, be sure to follow all of these steps as you apply for a loan:
• Be sure to read and understand every-thing before you sign.
• Refuse to sign any blank documents.• Do not buy property for someone else.
CONTINUED ON PAGE 19
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WEDNESDAY, NOVEMBER 28, 2012 THE BALTIMORE GUIDE 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!
RENTALS 3411 Mt. Pleasant Ave. - $1100 available immediately 3 bedrooms, 1 bath. Call Gloria 443-631-2551Coming soon! Two new rentals in heart of Canton!Call Jamie for details 443-791-0364
CallSharon Eder for details 443-525-8398
or email me at [email protected]
Attention: Landlords!
I have qualified tenants for your
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RENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATERENTALS AND REAL ESTATE
• Do not overstate your income.• Do not overstate how long you have
been employed.• Do not overstate your assets.• Accurately report your debts.• Do not change your income tax returns
for any reason. Tell the whole truth about gifts. Do not list fake co-borrowers on your loan application.
• Be truthful about your credit problems, past and present.
• Be honest about your intention to oc-cupy the house
• Do not provide false supporting docu-ments.
CLOSING
WHAT HAPPENS AFTER I'VE APPLIED FOR MY LOAN?
It usually takes a lender between 1-6 weeks to complete the evaluation of your application. Its not unusual for the lender to ask for more information once the applica-tion has been submitted. The sooner you can provide the information, the faster your
Q&A cont'dCONTINUED FROM PAGE 19
application will be processed. Once all the information has been verifi ed the lender will call you to let you know the outcome of your application. If the loan is approved, a closing date is set up and the lender will review the closing with you. And after closing, you'll be able to move into your new home.
WHAT SHOULD I LOOK OUT FOR DURING THE FINAL WALK-THROUGH?
This will likely be the fi rst opportunity to examine the house without furniture, giving you a clear view of everything. Check the walls and ceilings carefully, as well as any work the seller agreed to do in response to the inspection. Any problems discovered previously that you fi nd uncorrected should be brought up prior to closing. It is the sell-er's responsibility to fi x them.
WHAT MAKES UP CLOSING COST?There may be closing cost customary or
unique to a certain locality, but closing cost are usually made up of the following:
• Attorney's or escrow fees (Yours and your lender's if applicable)
• Property taxes (to cover tax period to date)
• Interest (paid from date of closing to 30
days before fi rst monthly payment)• Loan Origination fee (covers lenders ad-
ministrative cost)• Recording fees• Survey fee• First premium of mortgage Insurance (if
applicable)• Title Insurance (yours and lender's)• Loan discount points• First payment to escrow account for fu-
ture real estate taxes and insurance• Paid receipt for homeowner's insurance
policy (and fi re and fl ood insurance if appli-cable)
• Any documentation preparation fees
WHAT CAN I EXPECT TO HAPPEN ON CLOSING DAY?
You'll present your paid homeowner's in-surance policy or a binder and receipt show-ing that the premium has been paid. The closing agent will then list the money you owe the seller (remainder of down payment, prepaid taxes, etc.) and then the money the seller owes you (unpaid taxes and prepaid rent, if applicable). The seller will provide proofs of any inspection, warranties, etc.
Once you're sure you understand all the documentation, you'll sign the mortgage, agreeing that if you don't make payments
the lender is entitled to sell your property and apply the sale price against the amount you owe plus expenses. You'll also sign a mortgage note, promising to repay the loan. The seller will give you the title to the house in the form of a signed deed.
You'll pay the lender's agent all closing costs and, in turn,he or she will provide you with a settlement statement of all the items for which you have paid. The deed and mortgage will then be recorded in the state Registry of Deeds, and you will be a hom-eowner.
WHAT DO I GET AT CLOSING?Settlement Statement, HUD-1 Form (item-
izes services provided and the fees charged; it is fi lled out by the closing agent and must be given to you at or before closing)
• Truth-in-Lending Statement• Mortgage Note• Mortgage or Deed of Trust• Binding Sales Contract (prepared by the
seller; your lawyer should review it)• Keys to your new home
NEXT WEEK:HOW CAN HUD and the FHA HELP ME BECOME a HOMEOWNER
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20 The BalTimore Guide Wednesday, noVemBer 28, 2012
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2-10” Subs,2FF, 2 Can Sodas $14.99 + tax
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