Retired and Inspired: FCC’s ILR offers courses that pique interest

By Gary Bennett

People takes notes and listen during a class at the Institute for Learning in Retirement.

Think back to your high school or college days. Do you fondly remember opening textbooks, considering issues and exploring the world through history and literature? I sure do. Back then, our brains were like sponges, soaking up every bit of information made available.

As we grow older, the pace of learning changes. Research shows that by the time we reach adulthood, many of us notice certain mental tasks, like quickly processing new information or tackling a complex problem, become more challenging. Scientists have identified physical changes in our brains that help explain this shift as we age.

But there’s good news: While the speed of learning might slow as we age, the ability to learn never stops. Research also shows that we can continue to expand our minds and acquire new skills as long as we’re willing to put in the effort.

COURSES FOR EVERYONE

Luckily for us, seniors in Frederick can rely upon the Institute for Learning in Retirement for a professionally organized and reliable destination for mature intellectual discovery.

Kelli Ackiewicz, the ILR program manager and a civil engineer by trade, came on board in 2016. She jumped at the chance to lead this program after assisting with women-to-women mentoring at FCC. She jokes that she helped “engineer some issues they had going on at the college” and then brought her prowess to ILR.

Linda Funsch instructs a class at the Institute for Learning in Retirement at FCC.

No one knows for sure how many Frederick County seniors have been served since 1998, but Ackiewicz did share that the Institute has served an average of 700 students annually over the past 10 years, resulting in more than 18,000 enrollments during this time. On average, students take about three courses per year.

Offered in conjunction with Frederick Community College and mostly on its campus, the Institute offers a wide range of diverse, college-style courses. Enroll and you’ll get lectures, handouts, slides and vibrant discussion, but the one thing you won’t get (thankfully) are tests and grades. Courses are designed for adults by adults. They are fun but can also be described as “no-nonsense.” More than 175 courses are offered each year.

The IRL curriculum team offer courses for just about anyone. Each course is designed to be casual, fun and with the needs of older adults in mind, though there is no age minimum requirement. Those not yet retired are more than welcome to join.

Included in the curriculum are courses in arts, crafts and music; computers and technology; food and drink; health and wellness; history, culture and current events; home and hobbies; learning a language; life planning and finances; philosophy, religion and exploration; photography; science and nature; and writing. A full list of the spring 2025 courses is at ILRFCC.org.

According to Ackiewicz, some of the more popular courses are in the history realm, current events and their “learning on location” bus trips.

There are also many unique courses you might not expect to find, like Discover Your Past Lives, Why is a Ghost a Ghost?, Crochet for Beginners, Writing Your Life Story, Maryland Whiskey 101, Successful Aging in Place, Chickenology (how to raise chickens), Beeconomics (how to make money as a beekeeper!) and Introduction to Ballroom Dancing.

A typical course is held in person, although some are virtual and others are offered on location. Most include 8 to 12 sessions, span one or two months, last for an hour or two at a time, and can occur on any day of the week. Offerings vary widely, so it is advisable to check online or ask for a printed catalog to see what best meets your personal interests and schedule.

In general, most winter/spring courses begin in late January or early February (although others may begin later in the year) and finish by late May or early June.

Richard Kaplowitz of Frederick types notes during a class at the Institute for Learning in Retirement at FCC.

Tuition and fees are reasonable. Most of the course costs are comprised of fees that can range from free for courses that last only one session to just over $100 for multi-session courses. Course costs average $59 to $69. If you try a course and find it is not for you, you may be able to transfer into another course or request a refund.

Some courses are free, made possible through the FCC Foundation. The Institute partners with Frederick County Public Libraries, Frederick County Senior Center and others to offer free courses at those locations.

Instructors are usually passionate experts with lived experience in the subject area. IRL does welcome new instructors with new course ideas (if interested, submit a course proposal form at ILRFCC.org). Ackiewicz promises that all new courses selected are given every chance to succeed, offering them at least two or three times before re-evaluating.

STUDENT PERSPECTIVES

Margie Shattuck has taken ILR courses since she moved to Frederick in 2011. She’s studied a number of subject areas and most enjoys courses on subjects she knows little about.

“It’s a great way to learn a few things and see if I would like to study it further,” she said.

She is currently an ambassador for the program, helping to get the word out about the Institute and staffing booths at expos, festivals and meetings.

Shattuck highly recommends ILR.

“It’s helped enrich my life,” she said. “I’ve learned about a lot of subjects I had a slight interest in, such as learning about past lives, technical things like Photoshop, photography on my phone and medical things. There’s a great program called Medically Curious, where a doctor comes in and talks about things like how to research medical issues online and how to avoid incorrect info on the web.”

Curious students can try a wide swath of courses, although it would behoove you to choose areas of interest. If you have a change of heart, partial refunds can be requested after a class begins, but they are not promised.

Also, be ready for a few know-it-alls who seem to know the teacher and the subject matter inside and out. Laugh it off and remember, some things never change.

The author (far right) ands some new friends at a Learning on Location class on the Appalachian Trail.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.

Get (way) out of town for Valentine’s Day

By Gary Bennett

This article appears in the February 13, 2025, issue of Frederick News-Post’s “72 Hours” entertainment insert.

Folks, you don’t need to surprise your honey with a romantic trip to Paris, Venice or Rome for Valentine’s Day. Oh no, that’s too expensive anyway. Believe me, you’ll feel right at home at one of these romantic destinations I’ve carefully curated for you right here in the good old U.S.A.

When you arrive in one of these dreamy destinations, your significant other will be overcome with emotion. In fact, they won’t look at you the same way again. Plus, some of these towns are so inexpensive to visit, they will actually pay you to come!

I must warn you, though, not all of these towns are large enough to have a romantic bed and breakfast (or running water, for that matter.) But I can assure you, they all have “Welcome to” signs that will be just right for that selfie.

Please note that all these places are real! Only the descriptions have been changed to protect the town leaders and, of course, the innocent. Plus, the real descriptions are lame.

Accident, Maryland

A charming burg in nearby Garrett County. You may want to skip this one, though, if you don’t wish to have one of those kinds of romantic mishaps.

Bangor, Maine

Our northernmost destination (pronounced Bang-er) is snow covered at Valentine’s Day and action-oriented (I mean skiing! C’mon, get your mind out of the gutter!).

Boody, Illinois

This restful, bootylicious heartland community will make you feel like sitting down and taking a load off.

Butternuts, New York

This tiny upstate enclave is named after the tasty squash that is plentiful here (what did you think?). Be advised, you may come away from here with a new nickname, if you play your cards right.

Climax, Georgia

You’ll burst with excitement when visiting this small but satisfying Southern town.

Cockeysville, Maryland

A close-by Maryland destination that specializes in goofy little pet names. Your honey pie will love it!

Conception, Missouri

Like Accident, this one is not for the faint of heart. Skip this one if you’re not feeling lucky.

Conquest, New York

A delightful upstate borough perfect for the goal-oriented, won’t-take-no-for-an-answer folks. (You know who you are.)

Diamond, California

Now we’re talking. This one is for the big spenders among us, or at least folks who appreciate syrupy pop songs from a ‘70s icon.

Flowers, Mississippi

If you’re not ready for Diamond (and who is?), this is your next best bet.

French Lick, Indiana

Home of NBA legend Larry Bird. Townsfolk will be glad to show you around and provide an oral history.

Fertile, Minnesota

If you’re not going to Accident or Conception, I doubt you’ll go here. But I say take a chance! What could go wrong?

Heart Butte, Montana

I can see you snickering out there, but it’s pronounced Byute. You know, like a lovely, shapely mountain.

Heartwell, Nebraska

This destination sounds nice but I’m sorry to say it’s actually full of cardiologists. I include it here for the over-70 readers.

Hell, Michigan

This is the final, frozen-over destination for those love-on-the-rocks, can’t-be-saved relationships. Heck, you can even be mayor here for a day if you pay the price.

Honeyville, Utah

Take your honey to this little hamlet in the Mormon state. Be advised: If you’re not married, a church leader might harangue you about going back home.

Hooker, Oklahoma

Maybe not the best choice for a romantic weekend, but I say give it a try. Be sure to take advantage of the welcoming committee found on most street corners. Bring cash and low expectations.

Intercourse, Pennsylvania

Finally! Slip into the most famous romantic getaway on the list. And, because it’s positioned just up the road from us in Frederick, you’ll be thrust into a great time. Trust me.

Love, Arizona

This is what’s it’s all about, right?

Lovers Leap, Cumberland

This nearby attraction beckons lovers to show how much they really care. Perfect for the nothing-to-lose folks just a step ahead of an angry, shotgun-toting father.

Pee Pee Township, Ohio

If Cockeysville is just too cutesy for you, there’s always this surprisingly tiny community in Ohio that is folded into its southern region. Blink and you could miss it.

Romance, Arkansas

Be sure to visit the world’s largest thesaurus factory in this exciting, joyful, dreamy, starry-eyed, romantic village in the Ozarks.

Roses, Pennsylvania

This burg in the Keystone State is not far from Intercourse. Everyone knows it’s hard to visit Intercourse unless you do Roses first.

Rough and Ready, California

Named after California’s proud gold-mining past (sure it was), lovers here must be open-minded and up for just about anything.

Screamer, Alabama

An obvious choice for you overachievers. But unless you’ve been here before, you’ll marvel at how noisy this town can be, especially on Saturday nights.

Sweet Lips, Tennessee

If Butternuts is not your cup of tea, I wholeheartedly recommend Sweet Lips.

Surprise, New York

There are lots of Surprises in the U.S., but the one in New York was founded by the same folks who settled Conception, Missouri. They got out of there fast.

Truth or Consequences, New Mexico

You can’t get away with anything in this well-named community, so don’t even try.

Valentine, Indiana

Finally, a town worthy of this list that has gone terribly off the tracks. Fun fact: This town was just recently renamed from Greeting Card, Indiana, to honor the handsome agent on the television show “FBI.”

Weiner, Arkansas

Last but not least, this tiny town is pronounced the way you think, and they are damn proud of it. Home to world-famous Chihuahua races and snow birds from Pee Pee Township, Ohio.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.

A new way to finance affordable housing in Frederick County

By Gary Bennett and Hugh Gordon, members, Frederick County Affordable Housing Council.

Affordable Housing Crisis newspaper headline and related economic news, with coins

This article appears in the February 2025 issue of the Emmitsburg New-Journal, page 46.

In our last affordable housing column, we talked about all they ways developers scramble to fully fund affordable housing projects. This is important because a project is not feasible unless it covers 100% of its funding gap.

That is why Frederick County and the State of Maryland try to be aggressive when helping affordable housing developers. The county and state often step in with funding options such as:

  • Waivers or deferrals of impact of fees charged to buyers that meet income requirements for affordable housing purchases from a developer.
  • Loans from Frederick County’s Housing Initiative Fund’s (HIF) Deferred Loan Program. The purpose of this fund is to provide flexible loans to support affordable housing in Frederick County.
  • Maryland’s Department of Housing and Community Development’s (DHCD) nearly $24 million in federal funding to provide gap financing to affordable housing projects statewide in the form of HUD’s HOME Investment Partnerships American Rescue Plan Program (HOME-ARP).
  • County guidance in using “rental housing works,” a fund through DHCD providing $3.5 million in gap funding.
  • The use of some county owned-land for affordable housing projects combined with a federal loan for pre-development costs thereby reducing two key costs.

Other funding possibilities in various stages of discussion and could come online in the future include:

  • Implementing a Frederick County Rental Registration and Inspection Program to mimic the one Frederick city has in place and using the proceeds for rental assistance and affordable housing projects.
  • Waiving development fees for housing projects meeting certain income requirements.
  • Increasing the portion of the County Recordation Tax revenue going into the Housing Initiative Fund, which is then used to support affordable housing projects.

IDAs and TIFs

Even more creative help may be on the way soon.

The Affordable Housing Council wholeheartedly supports a push for enabling legislation to allow Frederick County to expand the use of funds under the State of Maryland’s Industrial Development Authorities (IDAs) to include affordable housing.

IDAs were created long ago to establish an entity that captures future tax growth for an area slated for development and reinvests it. It has been used mostly for industrial parks. It was never intended for affordable housing but could be used for that purpose in the future.  Prince George’s County has this authority now.

If enacted, the County Council would create the tax capturing entity, adopt a project area plan and how the funds can be used in that area. The board of the new entity would then approve specific projects like affordable housing.

This would be an important new revenue source for affordable housing projects. It has the possibility to be the gap financing that allows new projects to happen faster.

IDAs are based on well-established tax increment financing (TIF) districts. TIFs have been used in the past as a mechanism to fund public infrastructure improvements in connection with private development projects.

In the affordable housing realm, TIFs could be used for infrastructure needs for site readiness such as water, gas, and sewerage. Items like these need to be ready and paid for before an affordable housing project kicks off. As we’ve said before, tax credits are fine but developers need money upfront.

How do TIFs provide financing?

Under the TIF process, special obligation debt would be issued by the county to provide funding for infrastructure improvements benefiting a certain district. The incremental future real property tax revenues are pledged to the repayment of the special obligation debt. There will be incremental real property taxes created because the assessed value of the TIF district properties increases as a result of the planned new infrastructure.

Because only a portion of the future incremental tax revenue is pledged to repay the debt service, the TIF structure allows the county to continue to receive the tax revenue today that existed prior to the new development and to also receive today the future tax benefit of the project to fund the project.

It is important to note that this is not a new tax on citizens. The plan takes the place of issuing bonds.

Currently in Frederick County, commercial entities are responsible for 22% of the tax base. Citizens pay the rest. We cannot bring in more commercial development unless we have more affordable housing.

The plans for future housing development in the South Frederick Corridor is a specific example where this could work well since developers know the county plans to add value by creating affordable housing there.

Frederick is not alone. Many Maryland counties have expressed interest in this type of affordable housing funding.

A bill has been drafted to allow TIF districts in Frederick County and other counties to be used for more than industrial development. It is before the legislature’s Ways and Means Committee right now.  Delegate Fair and Senator Lewis-Young are supportive now. Maryland Secretary of Housing Day and Maryland’s Affordable Housing Coalition are also supportive of this.

Financing for affordable housing projects is intricate and arcane, but the more you know, the better you can help us advocate for creative financing that gets these critical projects off the ground. If we don’t, we’ll have few options for our children and parents to live in Frederick County, and economic development will suffer as a result.

Live from New York, it’s 50 years!

By Gary Bennett

Saturday Night Night Main Stage, Rockefeller Center, New York

This article appears in the Fredrick News-Post’s February 6, 2025, “72 Hours” entertainment insert.

It’s difficult to overstate the cultural significance of Saturday Night Live. It may not seem so today, but the show literally changed the way young people approached Saturday nights in the 1970s.

Saturday Night Live will celebrate its 50th anniversary in 2025 with a three-hour prime time special on NBC on Feb. 16. As of this writing, a host has not been named, but one thing is certain, the show will be chock full of hilarious clips from its 50-year reign.

Much about Saturday Night Live, especially the early years, has passed into legend. But when the show hit the airwaves in October 1975, no one knew what to expect. A young writer named Lorne Michaels talked NBC executives into taking a chance on a live, late-night, weekend comedy show. This had not been tried before.

He wanted nothing less than to redefine comedy the way the Beatles, 10 years earlier, had redefined pop music. “That required not pandering, and it also required removing neediness, the need to please,” Michaels says in the book “Live from New York” by Tom Shales and James Andrew Miller. “We were only going to please those people who are like us, and that’s what we did.”

The show aired at 11:30 on Saturday night. If you were a college student at that time, like I was, 11:30 was prime time for parties, drinking, dancing and blowing off steam. Many of us didn’t even head out until that time. Once word got around that you had to see this new show, it didn’t take long for us to adjust our loose schedules accordingly. NBC banked that we would do both — stay in to watch the show but still go out before, after or both — and we did.

The Magnificent Seven, 1975

A little known fact is that Johnny Carson is largely responsible for the airing of Saturday Night Live. Carson ruled late-night TV during the week. By 1975, he had had enough of NBC airing his reruns on Saturday night; he wanted to use the reruns himself during the week so he could take more time off. NBC had the option of returning this weekend time to the local affiliates, and thereby giving up a chunk of ad revenue, or trying to fill the time with other programming.

It was no surprise when word went out from NBC executives to develop a late-night weekend show. Had the powerful Carson never made this demand, it’s quite possible there would never have been a Saturday Night Live. After all, Carson did not retire until 1992.

The man NBC took a chance on, 30-year-old Lorne Michaels, gave them much more than I’m sure they bargained for: an adventurous, topical, satire series with a live studio audience that, had executives and advertisers known of its content in advance, might never have seen the light of day.

Michaels wanted the show to be the first one in the history of television to talk the same language being talked on college campuses, streets and everywhere else young people gathered. In this, he succeeded wildly.

The show was originally called NBC’s Saturday Night. It was the first show the television generation — baby boomers, as we are now called — could call their own. It was unlike anything else on the air, and it would be years before rivals even tried to imitate it. It was new, unusual, surprising and boy, did it make us laugh. It had the proverbial inmates running the asylum, and it showed.

The show made stars of unknowns and superstars of stars. The brash young players that comprised the Not Ready for Prime Time Players in those first few seasons are now household names. Belushi, Chase, Aykroyd, Radner, Murray, Murphy, Piscopo and more delighted in trashing TV taboos.

Many of these would-be stars wanted no part of TV but took on the gig anyway because they could look down on even the most successful prime-time show — because their show was different. It was one of a kind. It made fun of television. John Belushi made his feelings about television known at the time by famously saying, “My television has spit all over it.”

And who in the boomer generation can forget the Coneheads, Mad Samurai, Nick the Lounge Singer, Fred Garvin (Male Prostitute), the Wild and Crazy Guys, Killer Bees, Blues Brothers, Roseanne Roseannadanna, Wayne and Garth, Mr. Bill, Fernando, Hans and Franz, Lisa Loopner and Todd, The Church Lady, Pete Schweddy and the Greek deli owner selling “chee-burger, chee-burger, and Petsie.”

The very first show featured a “cold opening” that portended of things to come. Belushi appeared as a semi-literate immigrant dutifully keeling over with a heart attack because his English teacher suddenly dies of one. With that, Chevy Chase, as stage manager with clipboard in hand, looks in at the dead bodies and flashes that fake Hollywood smile and says, “Live from New York, it’s Saturday Night!” Then cue the saxophone-infused music. Those words from Chase, the music and the accompanying scenes from New York’s shady underbelly had an exciting feel to them. We were hooked.

Another instant hit from the early shows was Chase as the bumbling but cooler-than-you newscaster for Weekend Update, an absurdist view of the goings-on in Washington and around the country. The segment was so topical and up-to-date that writers tell stories of being under Chase’s desk live on air handing notes up to him.

His goofy but sincere opening line of the newscast — “Good evening. I’m Chevy Chase and you’re not” — became a national catchphrase that even President Ford used. Because of this segment and the stage manager schtick when opening the show, Chase became the first breakout star, leaving after only one season to act in movies.

He was replaced by none other than Bill Murray in season two. The show barely skipped a beat. In short order, Belushi and Dan Aykroyd became major stars, too.

Feuds, fights and romances among staff members were in the paper seemingly every week. Boozy after-parties were legendary. Sex and drugs were rampant backstage. Network executives tended to steer clear of the 17th floor, where the show was written and performed, not wishing to be enmeshed in marijuana smoke and other strange aromas that would be hard to explain. Better to not know.

By the beginning of the second season, Saturday Night Live was the talk of television, a national phenomenon.

Even the performers who joined the cast later are legendary in their own right: Eddie Murphy, Billy Crystal, Martin Short, Phil Hartman, Chris Farley, Mike Meyers, Dana Carvey, Chris Rock, Darrell Hammond, Will Ferrell, Adam Sandler, Jimmy Fallon, Tina Fey, Julia Louis-Dreyfuss, Jon Lovitz, Dennis Miller, Kevin Nealon, Tracy Morgan, Amy Poehler … the list goes on and on. Big stars like Hanks, Martin, Baldwin and Timberlake fell all over themselves wanting to host.

For better or worse, Saturday Night Live lives on as a testament to what you can accomplish if you really believe in something — and “don’t give a flying f— if it fails,” as Chase put it in 1975, when a reporter asked him how the show succeeded.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.

How Jimmy Carter did it

By Gary Bennett

After Jimmy Carter died December 29 at age 100, much was made of his remarkable post-presidency, and rightfully so. He not only lived longer and spent more time out of office than any other ex-president, he carved out an extraordinary charitable and statesmanship portfolio for himself that culminated in the Nobel Peace Prize in 2002.

In 1976 I was a young political science major at a small liberal arts college in Maryland. My professors spent countless hours discussing Jimmy Carter’s rise to the presidency and his four years inhabiting the office, which happened to coincide exactly with my college career.

I feel super qualified to give my two cents here.

I decided that Carter was an undeniably attractive candidate. He was governor of a large southern state, even so was untainted nationally by racist or segregationist policies, was relatively young and active, had a brilliant naval career, was a businessman, and perhaps most importantly, had an “everyman” quality about him.

Carter’s timing was impeccable, too.

In 1976 the country was still reeling from Vietnam, Watergate and Richard Nixon’s resignation. Oil shortages were rampant. The economy was in free-fall. Trust of government was at an all-time low. Republicans oversaw this mess, and Washington democrats had no answers either.

Jerry Ford was in the White House, but he had never been elected to that post. He hadn’t even been elected vice-president. Many saw Ford as a best-case temporary caretaker and worst-case presidential imposter.

To me, Ford seemed like a nice enough guy. He appeared to be a loving husband and father, was purported to be a Christian, was moderate in temperament and his politics and had lots of government experience after a long career in Congress. Not too bad; I could have voted for him.

But then he did the unthinkable: he pardoned Richard Nixon. Most of the country did not want that.

I do believe Ford truly wanted to “end our long national nightmare” as he said, get the country moving again and give some peace to Nixon. This act of political courage was probably the right thing to do, but as most pundits now agree, almost certainly cost Ford the election in 1976.

That was not clear at the time, however.

Polls insisted the election was going to be tight, and they were right. During the primary season of 1976, Ford came out swinging, doing all he could to hold onto his job. He somehow fended off an aggressive challenge by Ronald Reagan and went on to accept his party’s nomination for president that summer.

Into this swirling, unsettled political mess came an unknown governor and peanut farmer from Georgia named Jimmy Carter. He started off 1976 as one of many democrats vying for the nomination. Think of the dozen or so republicans who competed for the republican nomination in 2016 before Trump emerged. That’s how it was for the democrats in 1976. As Trump did in 2016, Carter survived primary season, picking off his competitors little by little until there was no alternative.

Along with good timing, there may have never been a luckier politician than Carter. 

There was no de facto leader of the democratic party in 1976 who would be the natural heir apparent to the White House like Ronald Reagan was for the republicans in 1980. George McGovern was not a good option; he was swamped by Nixon in 1972. Hubert Humphrey lost narrowly to Nixon in 1968 and was the choice of the party apparatus, but he chose not to run. Teddy Kennedy was scandal-ridden and not an option.

Carter was unknown, but he was the only large state governor, other than ultra-liberal Jerry Bown of California, to run in a year when the electorate was looking for an outsider. Governors were attractive. The other choices were all long-time Washington insiders: Mo Udall, Birch Baye, Lloyd Bentsen, Frank Church, Fred Harris, Henry “Scoop” Jackson and Sargent Shriver. They were sometimes chided as the “seven dwarfs.”

None of these politicians came off as trustworthy. Carter did. He wisely embraced his “outsider” image to perfection and hammered away at it in commercials and debates, telling us he would never lie to us. He eventually emerged as the easy democratic winner. 

Not so for the republicans. Reagan took his candidacy all the way to the convention floor and nearly upended Ford. This bitter rift damaged the republican party and, along with the Nixon baggage, was too much to overcome.

Even with all these advantages, Carter eked out only a narrow win over Ford, 297 to 240 electoral votes. The popular vote was 51% to 49% in Carter’s favor.

That part of history is well known. What is not so well known is how Carter rose to the governorship of Georgia, thereby positioning himself for this improbable presidential run.

The answer is he leveraged a superior intellect and ambition with good old-fashioned hard work. Carter, much like Harry Truman, used county-wide community service activities, numerous business contacts statewide, and his national naval contacts to become a well-known activist and rising star in his state. As a born-again Christian and church leader he was also well known and respected among Southern Baptists who dominated Georgia politics.

His resume was almost pitch-perfect for the times.

He received a B.S. degree from the United States Naval Academy in 1946. He served in the Navy from 1947 to 1953 as a submariner, serving in both the Atlantic and Pacific, rising to the rank of lieutenant. He completed graduate work in reactor technology and nuclear physics. He served as senior officer of the crew on the nuclear submarine Seawolf.  

When his father died in 1953, he resigned his naval commission and moved back to Georgia, taking over the Carter farm. He quickly became a leader in the community, serving on county boards that supervised education, the hospital authority, and the library. In 1962 he won election to the Georgia Senate. He lost his first gubernatorial campaign in 1966, but won the next one, becoming Georgia’s 76th governor on January 12, 1971. 

Carter famously declared in his inaugural address as governor that “the time for racial discrimination is over.” This was a shocking pronouncement for a southern governor at the time and came after months of wisely downplaying his feelings about discrimination during the election.

He was ineligible for a second term in 1975 so began planning his run for president. His moderate democratic policies, ability to get southern votes, and ability to champion social justice positioned him well in 1976.

And, as they say, the rest is history.

Journey out to the Outer Banks

By Gary Bennett

The Wright Brothers National Memorial in Kill Devil Hills, NC.

This article appears in the January 9, 2025, issue of Frederick News-Post’s entertainment insert “72 Hours.”

My wife and I have been up and down the East Coast from Maine to Florida many times. We’ve enjoyed the Atlantic Ocean in Bar Harbor and Kennebunkport, both Ocean Cities (New Jersey and Maryland), Cape May, Virginia Beach, Myrtle Beach, Jacksonville, Miami Beach and Key West.

But, somehow along the way, we missed the Outer Banks of North Carolina.

We finally made it this past fall, and I’m so glad we did.

The Outer Banks (or OBX as signs and license plates proclaim everywhere) is well-known around Frederick. Many families tell stories of renting a house on this narrow sliver of land that spans about 200 miles of coastline, inviting the entire extended family to join them. I can only imagine what fun this must be.

The Outer Banks is an interesting name. It is a barrier island (or more correctly, a series of barrier islands) sitting in the Atlantic Ocean a few miles from the North Carolina mainland. On a map, it resembles a wayward violin string or a dog’s crooked hind leg. “Barrier” means that the islands will eventually surrender to the ocean, but hopefully not for millions of years.

The islands are separated from the mainland by sounds, which we don’t have here in Maryland. With exotic names like Albemarle, Currituck and Pamlico, these large bodies of water are bigger than a bay or river but not as big as a sea. This gives the islands a secluded feel. Also, there are only a few access points, which increases the feeling of seclusion. You can reach the Outer Banks by highway, of course, but other areas to the south can only be accessed by ferry or small plane.

Sunrise over the shores of Outer Banks, NC.

We arrived at Outer Banks via North Carolina Route 158, which winds its way down the coast from the Hampton Roads area of Virginia. We crossed over the Albemarle Sound and landed near the small village of Southern Shores. From there, it was just a short, pleasant ride to our hotel in Kill Devil Hills.

From Frederick, our drive totaled about 5 and a half hours, covering 320 miles. Overall, it was pleasant. It helps to leave on a Saturday morning if you can, thereby minimizing the traffic around D.C. and Richmond. Once you hang a right at Hampton Roads and head south, traffic thins out nicely.

The Outer Banks begin at Corolla, far to the north, and stretches down to Ocracoke to the south. We didn’t have time on this trip, but one can traverse the entire length of the Outer Banks on picturesque NC Highway 12 (or Beach Road, as the locals call it) and never be more than 3 miles from the ocean. At its narrowest, this spit of land is only 150 yards wide from ocean to sound.

The best-known OBX towns are mostly clustered near the center of the island and have perplexing names. Perhaps the most well-known is Nags Head. No one is certain, but one popular theory is the town got its name from pirates tying lanterns to the necks of horses, or “nags,” to trick ships loaded with booty to run aground.

Kill Devil Hills got its name, so the story goes, from rum, which had washed ashore from wrecked ships and was so strong, it could “kill” the devil.

Kitty Hawk’s name is not quite as interesting. It most likely derives from the Algonquin word “Chickahawk,” which means “a place to hunt geese.” The name first appeared on English maps in the 1700s. Kitty Hawk, of course, will be forever linked to the daring Wright Brothers and their ingenious flying contraption.

The Outer Banks is known for pristine but sometimes wild beaches, majestic sand dunes, wild horses and its many lighthouses. The central OBX beaches of Kitty Hawk, Kill Devil Hills and Nags Head each have their own distinctive personality but share pebbly, off-white sand, skinny shorelines, large oceanfront homes (including Millionaire’s Row), easy access, grassy barriers and numerous fishing piers.

Currituck Beach Lighthouse in Outer Banks, NC.

If it’s a boardwalk you’re looking for, we recommend the peaceful, winding one along Currituck Sound in the tiny village of Duck. The Duck Boardwalk encourages a leisurely pace and can be accessed from the town park and other locations throughout the village. It extends for over a mile and offers beautiful views, a variety of wildlife and some retail establishments and restaurants.

The stars of the show at OBX are, without a doubt, the rolling, majestic and seemingly never-ending sand dunes. Jockey’s Ridge State Park in Nags Head has the tallest active sand-dune system in the Eastern U.S., stretching up to 110 feet tall. The chain of dunes is protected by thick maritime forests and grasses. When we visited, families with young children were happily exploring the dunes on nearby trails.

Other must-sees when visiting OBX include the Cape Hatteras Lighthouse and National Seashore, Currituck Beach Lighthouse and Maritime Museum, Jennette’s Pier (home to an excellent science and educational center) and the Wright Brothers National Memorial.

The Wright Brothers National Memorial, inexplicably in Kill Devil Hills and not Kitty Hawk, includes a full-scale reproduction of the original plane that is not much bigger or sturdier than a hang glider, numerous exhibits, educational talks by docents, the 1902-‘03 camp buildings where the brothers performed their experiments, the carefully maintained 3,000-foot airstrip, a mesmerizing sculpture of the brothers and other helpers preparing for takeoff, the “First Flight” boulder marking the takeoff point of the three experimental flights and the dominating, 60-foot memorial to their achievements at the top of a huge sand dune.

One of the last remaining Ben Franklin stores is in OBX.

For food, Miller’s Seafood and Steakhouse in Kill Devil Hills serves breakfast, lunch and dinner, specializing in fresh seafood and aged steaks. For dinner, I tried the North Carolina sea scallops, which were seared and grilled to perfection, and my wife, Ellen, had the sesame-seared bourbon tuna. Both were excellent. The Miller family also owns the “American Pie” shop right next door that offers delicious homemade pies and ice cream.

For lunch, try Cosmo’s Pizza, the local, New York-style pizza shop. It sits unassumingly in a strip mall near Corolla, but the tasty food and friendly atmosphere make it worth the trip. Their red brick, wood-burning oven gives the place a warm, homey feel and provides a crispy, slightly burnt pizza crust that is so hard to find in Frederick.

We considered trying some North Carolina-style barbecue, but after learning the Eastern-style Carolina type is made using the “whole hog,” we demurred. Using the whole hog means the entire pig is barbecued, chopped up and mixed together. It is served with a vinegar-based sauce, also not one of my favorites. The locals claim that pork served this way is the most tender with a deliciously distinct flavor. I guess I’ll never know.

For shopping, I recommend four local favorites: The Cotton Gin, Farmer’s Daughter, Gray’s and Kitty Hawk Kites.

The Cotton Gin provides high-end shopping and seems to have something for everyone. True to its name, 100% cotton clothing dominates the offerings. This local landmark has been around nearly 100 years and is the go-to place for gifts and souvenirs.

Farmers Daughter (there is no apostrophe to be found) is the quintessential beach shop with 16 OBX locations. The Kill Devil Hills location we visited specializes in what they call “fish hippie apparel.” You’ll need to check that out to see for yourself.

Gray’s Outer Banks Lifestyle Clothing Company (its long, official name) in Kitty Hawk specializes in coastal, casual resort wear. As soon as you step inside, you’re greeted by local history and friendly faces.

To really get into that beach vibe and double down on the “first in flight” mojo, visit Kitty Hawk Kites in Duck. It is celebrating 50 years in business. The colorful kites and hang gliders appear ready to jump into the air at any moment.

Two locals favorites we couldn’t resist are Brew Thru, a drive through convenience store offering everything you need, including beer and wine, and one of the last remaining Ben Franklin stores left standing in the U.S.

Outer Banks, NC, is kn0wn for its huge sand dunes.

The former offers more than 100 brands of beers and wines you simply point to and pay for. That, my friends, is America at its best! The latter is a proud member of the five-and-dime retail empire that once numbered over 2,500 stores, mostly in smaller locales nationwide, but now are fewer than 250. According to the manager, the Nags Head Ben Franklin has stood the test of time by adapting to the needs of its customers. It has become an immaculately neat beach gift shop, but its proud history is front and center thanks to the gigantic, unmistakable, red Ben Franklin sign and the ocean-themed mural that adorns the facade of the building.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.

Gap Financing: A Barrier to Affordable Housing

By Gary Bennett and Hugh Gordon, Members, Frederick County Affordable Housing Council

This article appears in the January 2025 issues of the Woodsboro-Walkersville News Journal and the Emmitsburg News Journal.

It is true that most developers are not hurting for money. No news there. But it is equally undeniable they provide great community value, particularly when working to provide affordable housing.

Unfortunately, there’s a huge barrier affordable housing developers must overcome: the ability to fully fund development and pre-development costs without the promise of market-rate revenues. As one developer put it: “Providing housing at rents low- and moderate-income folks can afford and still cover our costs is like trying to solve a Rubik’s cube.”

Think of it this way: To build any development, a developer must pay for land, materials and labor, not to mention taxes and myriad permitting and other government fees. During the last two decades these costs have skyrocketed while renter and homeowner salaries have stagnated. Therefore, rents that low- and moderate-income households can afford are often too low to cover the full costs of building, owning and managing an affordable property. Add to this the seemingly never-ending delays in the governmental approval process, and you have a recipe for possibly abandoning a project.

When development and pre-development costs can’t be met by traditional methods such as taxable and tax-exempt bonds, local bank loan funds, General Partner (GP) capital, or Federal Home Loan Banks (FHLBs), developers must turn to other methods to fill the gap.

Hence the need for what is known in the affordable housing world as “gap financing.”

Gap financing, also known as bridge or interim financing, is a short-term loan that can help affordable housing developers fill the gap between the cost of a project and the funds available. To fill the gap, developers usually need help in the form of subsidies. Those subsidies most often come from local, state or federal governments, but can also come from other sources.

The sources include tax credits in various forms, mortgages with below-market interest rates, tax-exempt bonds, federal grants or loans from programs like the HOME Investment Partnerships Program, local grants, land donations, contributions from charitable foundations and deferred developer fees.

Almost all affordable housing projects begin with tax credits awarded by the state. The most common of these is the Low-Income Housing Tax Credit (or LIHTC, pronounced LIE-TECH.) It finances about 90% of all affordable housing developments nationwide. This U.S. Department of Housing and Urban Development (HUD) program was enabled by Congress in the 1990s, was an undisputed bipartisan success and is operated by each state’s housing agency including Maryland’s Department of Housing and Community Development (DHCH).

Tax credits are greatly needed to make the books work, but the problem is that LIHTC is ultra-competitive and extremely limited. In Maryland, DHCD establishes its affordable housing priorities and then developers compete for the tax credits based on how well their project satisfies those priorities. Developers receiving an award use the tax credits to raise capital from investors. Only a handful of Frederick projects have won these tax credits in recent years.

Because a project is not feasible unless it covers 100% of its funding gap, every source of funding matters. A relatively modest local contribution can be the critical investment that makes a project work and allows the community to benefit from a large amount of federal subsidy that would otherwise flow to a different community.

That is why Frederick County and the State of Maryland try to be aggressive when helping affordable housing developers. The county and state often step in with funding options such as:

  • Waivers or deferrals of impact of fees charged to buyers that meet income requirements for affordable housing purchases from a developer.
  • Loans from Frederick County’s Housing Initiative Fund’s (HIF) Deferred Loan Program. The purpose of this fund is to provide flexible loans to support affordable housing in Frederick County.
  • Maryland’s Department of Housing and Community Development’s (DHCD) nearly $24 million in federal funding to provide gap financing to affordable housing projects statewide in the form of HUD’s HOME Investment Partnerships American Rescue Plan Program (HOME-ARP).
  • County guidance in using “rental housing works,” a fund through DHCD providing $3.5 million in gap funding.
  • The use of some county owned-land for affordable housing projects combined with a federal loan for pre-development costs thereby reducing two key costs.

Other funding possibilities in various stages of discussion and could come online in the future include:

  • Implementing a Frederick County Rental Registration and Inspection Program to mimic the one Frederick city has in place and using the proceeds for rental assistance and affordable housing projects.
  • Waiving development fees for housing projects meeting certain income requirements.
  • Increasing the portion of the County Recordation Tax revenue going into the Housing Initiative Fund, which is then used to support affordable housing projects.
  • Standardizing the eligibility criteria and process for approval for Frederick County’s tax abatement policy known as Payment in Lieu of Taxes (PILOT) for all LIHTC projects.

Even more creative help may be on the way soon.

The Affordable Housing Council recently learned about a push for enabling legislation to allow Frederick County to expand the use of funds under the State of Maryland’s Industrial Development Authorities (IDA) to include affordable housing.

IDA was created long ago to establish an entity that captures future tax growth for an area slated for development and reinvests it. It has been used mostly for industrial parks. It was never intended for affordable housing but could be used for that purpose in the future.  Prince George’s County has this authority now.

If enacted, the County Council would create the capturing entity, adopt a project area plan and how the funds can be used in that area. The board of the new entity would then approve specific projects like affordable housing.

Financing for affordable housing projects is intricate and arcane, but the more you know, the better you can help us advocate for creative financing that gets these critical projects off the ground.

Driving in Frederick: It can be a jungle out there

By Gary Bennett

This article appears in the January 2024 edition of Frederick News-Post’s “Prime Time” magazine.

I see lots of bad driving out there. I’m sure you do, too. It must be human nature (or maybe pride) that fools us into believing that we are great drivers while everyone else is terrible.

If only this were true.

As senior drivers whose cognitive powers and reflexes are still in working order and who have a wealth of driving experience to rely upon, we have an opportunity, perhaps a duty, to set the tone on the road and drive by example. After all, we are among the safest drivers out there.

I provide below some tips for the road and some trouble spots in Frederick to avoid. Most, but not all, are in synch with the Maryland Driving Manual. I also take into consideration the realities of driving around a bustling, growing city.

But first, my credentials.

I am a driver in my 60s who has driven all around Frederick for 35 years now. Not only that, but for the past five years, I have driven around Frederick two or three days a week for six hours at a clip. That is a lot of concentrated driving. It’s is a big part of my part-time job I do in retirement. As such, I think I’m qualified to say this: Boy, have I seen it all!

I’ve been a licensed driver for about 50 years now. I’m not perfect. I had an accident years ago that totaled my car but no one else’s. It was caused by my own impatience in poor driving conditions. I’ve also had a few tickets along the way. But I think I’ve learned from my mistakes.

The three biggest culprits I see to safely traveling on Frederick roads are aggressive driving, distracted driving and, believe it or not, timid or unsure driving. This last one may seem counterintuitive, but many of you know exactly what I mean.

The first one is self-explanatory. We see aggressive driving all the time. It includes speeding, unsafe lane changes, purposely not using turn signals, tailgating, ignoring traffic signals, not yielding the right-of-way and, of course, horn blasting and hand gesturing. This causes terror for the rest of us and leads to most accidents.

The good news is that the rest of us can manage these drivers to some extent.

Do this: Give them plenty of space. Don’t compete and never engage with them. Keep in mind that aggressive driving will save them no time in the long run (and karma will get them eventually). Just pray they hurt no one along the way.

For your own part, leave yourself plenty of time before setting out for any destination so you have no reason to compete with an aggressive driver. Keep your mind on your own driving business so you don’t commit a driving error to enrage them more. If you can safely do so, report them.

Distracted driving has been well documented with the introduction of cell phones. One-third of all fatal accidents are caused by distracted driving. But distracted driving can also include eating, applying makeup, dealing with children and changing radio stations. Try to avoid all of these. Stay focused on the task at hand — arriving safely at your destination.

When encountering a distracted driver, give them plenty of space if you can, and remove yourself from their presence if you must. It does no good to honk or exhibit any aggressive driving tactics yourself to “teach them a lesson.”

Although not mentioned at all in the Maryland Driving Manual, timid/unsure driving may be the biggest culprit to getting around Frederick in a safe, timely manner. It includes driving too slowly overall, not merging into traffic quickly enough, making unsure, last-second turns and lane-changes, waiting too long at traffic lights, and stopping suddenly for no apparent reason.

Timid drivers endanger themselves and others because they are not “going with the flow.” This is a must in a busy city. Timid driving can also enrage those with aggressive driving tendencies.

If driving has become a frightening endeavor for you, it is best to ask for help or find other means of travel. If you are a new driver and are doing your best, make sure you have the “New Driver” sticker on your car so we can give you the benefit of the doubt.

Timid drivers need to realize they are as dangerous as aggressive drivers. My advice to them is be aware of the flow of traffic. Know when you are an impediment and take steps to minimize your effect. Practice driving to your destinations during off hours to where you must go so you can confidently go with the flow when it really counts.

A special discussion on turn signals is required.

The lack of turn signal usage — whether it is aggressively done on purpose, absentmindedly forgotten, its importance never learned, or if people simply don’t care — is a major contributor to unsafe driving conditions.

We must understand and accept that turn signals are a safety device that benefits all of us. They let other drivers know what our intentions are. We should all be maniacal about their use, even when seemingly not necessary. After all, who among us has never had a car quickly pull back into the right travel lane from a left-turn only lane they didn’t mean to be in? I’ll venture not many of us. Turn signal usage lets everyone know that you have given some thought to your intentions. Disappointingly, the Maryland Driving Manual hardly mentions turn signal usage. It deserves its own chapter.

Further, reject the notion that turn signals are somehow a sign of weakness. This is twisted thinking. One young driver told me people won’t let them merge anyway, so why ask? To him it is better and easier to simply “horn in.” If this is your mindset, try to get past it. Some drivers may prevent you from merging by speeding up, but it is just as sure that some kind soul will let you in eventually. Use that signal.

GENERAL ROAD TIPS

• Drive defensively and expect the unexpected. A wise instructor once told me to always look for your escape route ahead of time in case something bad happens around you.

• Avoid left turns in heavy traffic as much as possible. Around Frederick, that is a recipe for being rear-ended. If you must turn left, use that turn signal and use it early so those behind you have a chance to get around you.

• Get up to speed quickly when merging onto highways. That is what the ramp is for. Little is more aggravating than a slow driver putting everyone behind them in a dangerous, precarious position.

• On the flip side, slow down a bit on highways to let someone merge safely. No, you don’t have to, but it is the safer thing to do.

• Space is your friend. When getting on or off a highway, adjust your speed up or down slightly to fit into the biggest space between cars you can find. That calculation is well worth the trouble but must be made well before you try to execute it.

• Consider it your civic duty to start out right away when stopped at a red light when it turns, especially if you’re first in line. If you lag for any reason, someone behind you may be forced to sit through another cycle. There’s nothing much more aggravating.

• Know what lane you want before you need to be in it. Pull into that lane as soon as you can, even miles before you need to. We all know those folks who jump to the front of the line and then nose in without a signal. It is tantamount to butting in line and would not be tolerated in any other circumstance.

• Use any driving outing as a chance to work on your patience and kindness. Most of us need to do better in those categories anyway, so why not remind yourself of that as you head out?

• Don’t drive at all if something is within walking distance. This should be a no-brainer. It’s good for you and the environment. Plus, why not eliminate one more chance for a driving mistake from you or others?

• You may disagree, but I’ve watched this play out and considered it carefully: The zipper method is always best when an unexpected merge is happening because of a lane closure, even if it is visible ahead. No one should be penalized in this case. Use all the space we have afforded to us for as long as we can. That way, we can all keep up a reasonable speed. The alternative results in jerks and stops.

FREDERICK-SPECIFIC TIPS

• Avoid Route 15 across Frederick as much as possible but especially during the two rush hours. We all know this stretch needs to be three lanes instead of two, but it’s what we’ll have for the foreseeable future. Better to leave 15 for tourists and those passing through.

• Avoid Market Street in the morning when the food and beer trucks are making their deliveries. You don’t need to run this gauntlet if you don’t have to. Better to take the alleys and Court or Ice streets.

• Avoid Rosemont Avenue as much as possible. Those lanes are outrageously narrow in many places (with on-road storm drains that rattle my bones).

• When driving north on East Street to cross East Patrick Street to head toward Shab Row, remember you need to be in the right lane to go straight.

• When turning left from South Jefferson Street onto South Street at the light, get as far left in your lane as possible so cars going straight can pass you on the right. Use that turn signal.

• When heading west on the Golden Mile near the Route 15 underpass, try to avoid turning right onto Baughman’s Lane. The jockeying for position there with cars coming down the ramp from 15 and heading west on the Golden Mile is not for the faint of heart.

• Similarly, never try to merge onto 340 West from that tiny Himes Avenue exit ramp. You’ll almost always need to come to a dangerous complete stop to allow heavy through traffic to pass.

• When traveling toward downtown on South Jefferson Street at 7-11, you need to be in the right lane to go straight. Many of you stay in that left turn-only lane and merge right at the last second. That is not a zipper method situation.

• Be wary of the two lanes on Seventh Street heading east over Bentz Street. The right lane must turn right. The left lane can go straight or turn left. This is not well marked. Get in the correct lane long before you come to Bentz.

• When merging onto Ballenger Creek Pike from the Jefferson Street ramp, keep going in the right lane; don’t stop. Cars approaching this intersection from your left must stay in the left lane. I’ll admit this is counterintuitive and can be scary, but it is what’s intended. This one is not signed at all (and should be).

• Avoid the intersections of I-70 and I-270 as much as possible. Cars are going at interstate speeds in all directions and usually jockeying for position without using turn signals. Better to get on one of these interstates at a different Frederick intersection.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.

NIMBYism is Self-Defeating

By Gary Bennett and Hugh Gordon
Members, Affordable Housing Council of Frederick County

This article appears in the December 2024 issues of the Woodsboro-Walkersville (MD) News Journal, page 5.

NIMBY means “Not In My Back Yard.” It can apply to almost any human endeavor one does not want near them. But, for the purposes of our discussion today, it applies to housing. You are a NIMBY if you push back against any kind of housing initiative in your local area no matter how much sense it might make.

There is no shortage of NIMBYism in Frederick County. For example: 

No-growth candidates recently carried the day in Walkersville town elections. Here are some of their comments: “I don’t want to see any more townhouses built.” I don’t want to see any more houses built.” “We don’t need more houses.” And the most pithy: “I’d like to see people come in, spend their money, and leave.” Inexplicably, all this was in addition to comments that the city needs more funding to tackle existing projects, the very thing additional tax revenue from more homes would bring. The irony is hard to ignore.

There’s more: Mount Airy stopped a mixed-use development plan in its tracks due to traffic concerns. Brunswick’s city council sent back to its city staff a proposed zoning ordinance change that would have allowed old buildings to be used for housing. Thurmont residents voted in referendum to disallow annexation of 17 acres of county land to stop a high-density development. We could go on and on.

But reasonable people must ask themselves this: Is it worth it to prevent so many people from having a home of their own so I can have things just the way I want them?

Tired old expressions are used repeatedly: “This new development will change the character of my neighborhood.” “Our town will lose its identity.” “Our way of life is being threatened.”

We are not fooled. What this really means is “I like the way things are now and I’m not going to let anyone else come in and change that.”  This is not only selfish but short-sighted.

Why should just the generation that benefitted from the wealth of this country – those like me who built their incomes with access to high-opportunity jobs and reasonable, in-balance housing costs – be able to live in the best neighborhoods, in the best municipalities and prevent others from doing the same? 

We’re shooting ourselves in the foot when we push back on all growth. Research has shown that increasing access to affordable housing is the most cost-effective way to reduce childhood poverty and increase economic mobility in America. Children living in stable, affordable homes are much more likely to thrive in school and have greater opportunities to learn inside and outside the classroom and increase their earning potential.

The hard truth is we don’t have enough housing in the county to satisfy demand. That is irrefutable. Experts and politicians from both sides say the same thing. 

Ask the 20- and 30-somethings around Frederick County about their housing prospects. You’ll get an earful. Many are starting families and would like to find a starter home, but can’t. We have let them down. Sure, it has always been tough on young families trying to buy that first home, but the housing situation is worse now than it has ever been.

Young people have few options. Millennials are now the largest generation in American history, outpacing the baby-boomers. They are aging into their prime home-buying years with no homes to buy. In a recent survey, fully 55% of adults under age 30 say the lack of affordable housing is a major problem.

Add to the housing shortage the fact that we’re all living longer and hoping to age in place. This causes the turnover of existing homes to slow as well. Many seniors would like to downsize to a smaller home, thereby opening up larger homes to young families, but there is nowhere to downsize to.

The new housing director for Frederick County, Vincent Rogers, sees the problem clearly. “What happens when your adult children want to stay in the area and be close to their families? What happens when you have an elderly parent who can’t afford to stay in the home they are in now? I think it is critical for us to help people understand why increased housing is so important for our entire community.”

There’s nothing to be afraid of. In Frederick County and City (and even in the municipalities), new developments must pass a gauntlet of requirements before they are approved. Either the county or town can support a new development according to its capacity levels or the development must pay its own way. This includes water and sewer, schools, roads, parkland, forest conservation, and parking.

In the Ballenger Creek area of Frederick County (where Gary lives), we have lived it. The Orchard Park at Ballenger Run development in 2019 placed 210 affordable units into the market. He delivers medicine and meals to many of these good folks. Sure, traffic has increased and that took some getting used to, but additional lanes were added to Ballenger Creek Pike and that helped alleviate the problem.

School capacity increased temporarily, too. But the new development also paid for a new elementary school, a beautiful new 4-mile bike and walking path, and additional traffic lanes on Ballenger Creek Pike.

Was all this ideal?  Of course not, but you must balance some inconveniences with the clear need for more people to have a home in Frederick County. 

So, our plea to you is this: If we want to have a strong, vibrant community that does not stagnate because of the lack of affordable housing, and if we want children, young adults, and seniors to have a chance to live where they love, we must think twice before pushing back every single time a new development appears at our doorstep.

The Fonzie Phenomenon

By Gary Bennett

This article appears in the October 31, 2024 edition of the Frederick News-Post’s “72 Hours” entertainment insert.

In 1974, America was going through very tough times. Watergate hearings droned on every day, the Vietnam War was ending haphazardly, and oil shortages had us all waiting in long gas lines and on edge.

So, it came as no surprise when a wave a nostalgia hit America. Many of us pined for gentler, easier times. The 1950s seemed to fit the bill nicely. The economy was good then and grandfatherly Dwight Eisenhower was in the White House. The hit movie “American Graffiti” (1973) and smash musical “Grease” (1971) both examined an innocent brand of everyday teen life to rave reviews.

Not to be outdone, in the fall of ’74, network television brought us a modest situation comedy called “Happy Days,” starring child actor Ron Howard of “Andy Griffith Show” fame. For the first time, Richie, Ralph, Potsy and Fonzie entered our living rooms. Little did we know, they would stay for more than a decade.

One can only imagine the chance the network took on building a show around a former child actor (Howard), a bunch of other unknown 20-something actors and a couple of mature, little known character actors, all portraying a modest 1950s, family-and-friends-are-everything lifestyle.

But, somehow, it worked.

Whatever the network executives saw in the show’s premise and the young actors was proved right. The show took an idealized look at life in the ’50s. The father owned a hardware store. Mom stayed at home and kept house. The teen characters fretted over girls and problems at school. There was a tough guy with a heart of gold. All of this was set in the comfortable backdrop of Milwaukee, Wisconsin.

The show was like “American Graffiti,” also starring Howard, by focusing on the teen lives of the main characters. Best friends Richie Cunningham (Howard), Potsy Webber (Anson Williams) and Ralph Malph (Don Most) hit all the right notes as teens trying to do their best but with a talent for getting in trouble.

The show didn’t do well at first. But soon it caught fire when it began featuring a minor, leather-clad character called Fonzie — or The Fonz. It’s difficult to overstate the influence of The Fonz on 1970s culture.

Henry Winkler as Arthur (Fonzie) Fonzarelli

Arthur Fonzarelli was played to “tough-guy-with-a-heart” perfection by a young, handsome, Yale-trained actor named Henry Winkler. The Fonz was a biker, a high school dropout and a bit older than the teens who idolized him, but he had a kind of magical coolness and street smarts that drew people to him. He would often enter the show with two or three young ladies on his arm.

Fonzie became one of the most memorable and merchandised characters of the 1970s. His image was on everything from lunch boxes and T-shirts to posters and soda cans. Henry Winkler became a major star and later parlayed his stardom into a lucrative movie career. His trademark leather jacket is now on display at the Smithsonian.

His catch phrases, which I can’t do justice to in print, were not scripted but created by Winkler. They included “sit on it” — an insult of epic proportions, “heyyyyyy!,” “whoa” and “correctamundo!” It wasn’t long before these phrases were on the lips of ‘70s teens and pre-teens everywhere.

It also didn’t hurt that Fonzie had superpowers. He could start any balky machine, including the local juke box, with a well-place rap of his fist, and he could instantly summon girls to his side with a snap of his fingers. He was the guy every man (and boy) wanted to be and every woman wanted to be with.

He had a kind of cool not seen on the small screen to this day. The only young character that came remotely close was James Dean in the movie “Rebel Without a Cause.” Everyone knew The Fonz was tough and could fight, but he never had to. His reputation always preceded him.

In 1999, TV Guide ranked Fonzie as No. 4 on its “50 Greatest TV Characters of All Time” list. Even so, the Emmy for best lead actor in a comedy eluded Winkler. He was nominated three times but never won. Decades later in 2015, he finally received his first Emmy for his performance on HBO’s “Barry.” Today, a bronze statue of The Fonz stands on the Milwaukee Riverwalk.

I believe one critical theme, eschewing convention, that creator Garry Marshall came up with that allowed the show to thrive was that The Fonz, who had absolutely no reason to do so, genuinely befriended the slightly nerdy teens. No one was quite sure why, but we all suspected it was because he could, and no one would say a word. Or, it may have been that he had a soft spot for those who are awkward and not as cool as him. It was probably a little of both.

Another theme that played well was the genuine love and respect the teens showed for the grownups. In turn, the grownups were supportive and gentle with the teens. The mutual love was easily apparent. The Cunningham parents were played pitch-perfectly by veteran actors Tom Bosley and Marion Ross. (Ross is still alive at 96.) The heart they brought to their much smaller parts was remarkable. Fonzi even had a soft spot for the motherly “Mrs. C.” She was the only one who could call him Arthur and get away with it.

“Happy Days” was one of the most successful shows of the 1970s. In its 11 seasons through 1984, it became the third longest-running sitcom in ABC’s history, with 255 episodes. In the 1976 and 1977 seasons, it was the No. 1 television show in America. The show spawned successful spinoffs “Laverne and Shirley” and “Mork and Mindy.” Both were culturally relevant in their own right.

The show played in syndication almost right away. One of my fondest memories from college in the mid- to late-‘70s, is playing cards between classes at the student union with pals of my own with “Happy Days” playing in the background.

At this year’s Emmy Awards, the now-famous duo of Howard and Winkler stole the show with their “Happy Days” reunion back at Arnold’s Malt Shop. Winkler even smacked the juke box to get it going like he did so many times in the ‘70s.

Gary Bennett is a longtime Frederick resident who spends his time hiking, biking, volunteering and providing childcare for grandchildren. He is married and retired from his career as a nonprofit marketing executive.