Direct Connection: October 10, 2016


So we have that need in our
sights, as a matter of fact, the be going out from the>>Ellicott City partnership going to go to
“Direct Connection” is made by
residents mpt. But to serve all again of, we
need our diverse to make sure communities
and that all is made of the
possible by various the generous support
of organizations our that are
member support tech residentss of.
Thank you Ellicott City! receive
>> support as well.>>Jeff: The upliftingLive from
and encouraging Maryland public part
of what’s television,
happened in this is “Direct Connection” Howard County and! Ellicott City has beenWith
people Jeff Salkin helping.
>> other>> peopleHi,, everybody
individuals and thank you for tuneing in helping
individuals for, and “Direct
Connection” even and coming up businesses helping
their fellow businesses get back tonight, continues for avoiding. the number>>Tom: Yes one killer
of American.
Absolutelys.>>Jeff: Talk about the.
Heart disease coming application up.
And process first million. s of Americans
have gottenHow does the phone somebody, either call the an i
individual irs or saying that a you owe
money business and you, ask owe
for assistance it?>>Tom: So our now application.
Trouble is, — it is a because we scam wanted.
The to get this top scam of the money out moment colt
the as soon as possible better, business Bureau
our first rebound applications. With us
has now closed, and Angie Barnett it’s un
President and C.E.O.likely that we’ll of be the reopening
that better business, Bureau
but again of greater Maryland, and thank you
for being the here community.>>Thank you,
foundation of Jeff Howard County .
Glad to assisted be here.
>>This is us by number create ing an one.
>>It is. It is
online form. And through which
property we keep owners thinking it is and small going
businesses and residents to die can
apply out,. That people information is have
all heard put about into it,
to a but database, indeed that is then
reviewed, no by our. And grant reviewers when people
call better business. Bureau
>>Jeff: You or post it mentioned on
our website, Facebook what they are most concerned about is the
fear, they become very fearful the phone calls can be threaten
threatening, the two and ways that, flooding it is has
interesting enough historically affected Ellicott
City,. Looking to the future, and I
know our you comptroller don’t, he speak sent
for the out whole community the,
same but warning is there anything that can because be now
done scam from artist
your standpoints have brought it local to
and saying that make it you safer owe
safer? state
taxes>>Tom: You know,. The it’s hard fear that to
really grab says
everybody because this, is flood fear ofing being
arrested event. minutes.
I know you said two hours earlier but they say it actually was closer to 90 minutes.
That is aFear really of abnormal somebody coming to your event
home. And what they.
endBut for those up of asking us for
is that, I’ll understand be able to make this
that climate right for change
is you, is going to if you make send those storms me
increase money now in frequency, we need
to make.>> sure we’re
>> doingThe thing everything that tweak I to have
notice mitigateed with the
against call thats and I have gotten type
a of bunch of them is storm that water, it
flood used to be it wasing so that somebody
includes with a re thick foreigntext
ponds accent, that so includes immediately making your antenna
are up more a little bit
perverse pervious surfaces so that when it rains .
AND WHEN SOMEBODY CALLS BACK OR ANSWERS THE PHONE WHAT HAPPENS
NEXT?>>WELL, THEY ACTUALLY ARE GOING TO TRY TO CONVINCE YOU THAT YOU
OWE MONEY, THAT THEY CAN — YOU CAN AVOID PENALTIES BY PAYING
NOW. AND, WHAT THEY WANT it goes YOU
directly TO DO into IS the
LITERALLY ground. There are many things, that GO
we TO THE need STORE, to do THIS. CANAnd BE I’m THE confident
MIDDLE that our OF leaders THE NIGHT,
AND THEY WANT YOU TO GO here in TO THE Howard County
STORE are AND going to be making BUY
USUALLY that a priority and even A more
confident that our GREEN leaders
DOT in CARD Maryland. THEY WANT YOU TO
will understand SEND the things we
need THEM to do MONEY to ELECTRONICALLY make.
THE WAY THAT WORKS IS, IF sure that
something I PUT like what happened
$ in100 ON A CARD Ellicott City AND SEND doesn’t
IT TO happen THEM
anywhere, THAT MONEY else IS GONE.
IT IS THE.>>Jeff: Lastly SAME OLD PREMISE
, Ellicott City has OF
DOING always been ELECTRON aIC TRANSFER booming placeS WITH
around the holidays WESTERN UNION, the
restaurants. IT IS THE, SAME PRINCIPLE the
stores. ONCE I.
GIVEWhat THEM kind of THAT MONEY shape do you, IT
IS GONE think we’ll be.
IT IS in NOT TRACEABLE there FOR in a THE couple of MOST
PART. SO
months?, THAT IS>>Tom: Well, WHAT we’ve got
THEY ARE a TRY DOING IS great
new GET MONEY OUT director OF of YOU tourism here in.
A Howard County SECOND SPIN, and
ON THIS IS, as he indicated THEY
MAY, WANT the best YOU thing TO that
anyone VERIFY can do YOUR to SOCIAL SECURITY help Ellicott
City NUMBER is to get. THEY MAY back down ASK here YOU
to shop.
TOAs a matter of fact, PROVIDE PERSONAL whiley IDENTIFYING we
were INFORMATION INFORMATION, getting WHEN ready
THEY DO to THAT tape, this THEY ARE
we heard GETTING ENOUGH INTEL ON TO DO
IDENTITY — COMMIT IDENTITY THEFT.
AND THAT CAN BE AS FRIGHTENING A>>HOW COME NOBODY CAN MAKE THIS STOP?
>>WELL, IT IS –>>NOT THE BETTER BUSINESS
BUREAU, NOT EVEN THE I WANT RS APPARENTLY.
>>NO ONE CAN, AND LET ME JUST DO A QUICK REMINDER:
IRS WILL NEVER CALL YOU. THE STATE WILL NOT CALL YOU.
of shops were open.
I’d say midnight madnessTHEY ARE NOT GOING TO TELL VIA A
PHONE MESSAGE THERE IS NO SOLUTION.
THAT’S ONE OF THE HARDEST THINGS THINGS, YOU CAN BLOCK NUMBERS,
BUT, OUR GOOD SCAMMERS THAT ARE MAKING THESE CALLS, THEY HAVE — THEY WILL SPOOF DIFFERENT PHONE
NUMBERS, AND YOU CAN BLOCK ONE AND ANOTHER ONE WILL POP UP.
WE’RE ALL DOING AND IT I DO IT MYSELF.
YOU MENTIONED YOU ARE DEALING WITH IT AS WELL. we saw a number of>> people
that areIf already coming you have
caller I want d, it could say down to it is
coming from Washington.
>>I don’t know if they can make revenue because they
heard shops service no, were open it is always. theI’did address say always
midnight madness will come up is a
great target for, people to and location
circumstantial geo on their graphic location
location. calendar
to come down, and that’s early in December.
But we’re going to have a good amount of our shops open then.
There’s a good amount of shops open right now and they need
your support more than ever. So do your Christmas shopping
early and often, and come on down here to Ellicott City.
>>Jeff: Good place toned it. That’s Tom Coale with the
Ellicott City partnership. Thank you very much.
>>Tom: Thank you.>>Jeff: Now, if you suffer from allergies or other respiratory
problems, there’s a business in elk ridge that promises to have
you breathing better. Yolanda Vazquez has more in this week’s “Behind the Biz”.”
>>Yolanda: A centuries old treatment is finally making its
way to Maryland. This recipe for holistic health
certainly worth its salt for one Joining me now to talk a little
bit more about the salt sanctuary of Maryland is Ellen
Flaherty who is the owner. Ellen, how are you doing today?
>>Ellie: I’m doing great, thank How are you?>>Yolanda: I’m doing wonderful.
We had a chance to go inside that salt cave, which if you’ve
never seen anything like that, it is pretty magnificent.
So before we talk about that, let’s talk a little more about
salt therapy and how you came to personally.
>>Ellen: So my background is in I’ve worked in health care for
30 years. And as a health care
practitioner, I was always looking for a complementary
therapy pi that could help people restore their health
naturally with a minimal of side So we had a number of diagnoses
in our family that were respiratory related.
There was possessions diagnose
diagnoses there was C
CF, COPD, allergies, as fa asthma, sign usites, and so I
started to look at things that may help this condition the salt room and salt therapy came up
over andover again, so I starred see is there any clinical data
to support this, and there is, and then I specially went to try it out myself with my husband
with different conditions. Experientially to see how
it worked, and it worked beautifully
>>Yolanda: But you took it one step further.
Not only did it work well with you, you decided to share this
with many other people. What was it like to develop the
salt sanctuary of Maryland here in elk ridge?
>>Ellen: Well, initially I was concerned might be a long
learning curve since it is a Rell relatively new idea, not in the world but in Maryland.
I thought it may be a concern. I’ve been pleasantly surprised
by how open people are, which
was part of the research I conducted before opening this
business, is I did look at the type of demographics, one, for
respiratory ailments in the area area, the air quality, and then
also looked at the openness to complementary their piece in the air and population density of
people who would come and use the salt room.
Therapies. When I did all that research, it looked like this was the perfect place to operate a salt room for the maximum number of people
that could come in from the surrounding area.
>>Yolanda: Tell me a little bit a half, about, and folks are
coming in. They’re finding you, and they
are just seeming to be having a really good — thanks seem to be working good for them to breathe east Bere and breathe better.
Tell me about the salt room .
>>Ellen: So the salt room is constructed.
There’s dead salt , there’s Dead Sea
salt on the floor, there’s salt on the walls, but the key to a
effective salt room and salt therapy is to have a hallo
generator which micronizees and vents salt the right particle
size so that it can be respired wok breathe that in and it can
reach the upper sinuses, lower sinuses all the way down into
the tiniest air sacs of your lung to do its work.
So salt is hydro p couldic week always draws moisture to itself.
It’s basically a simple process. The hard part was recreating the microclimate of a salt mine.
But the salt just draws moisture
to itself from the inflamed tissue, lightening and
liquifying mucus so it can drain from the lungs so I can breathe
easier and it lasts for six to 12 months, depending on the type of emerge or the type of issue
you’re having .
>>Yolanda: What’s the response been like?
Because when you first walk in there, it’s so relaxing.
I didn’t get a chance to go in there as of yet but people
really seem to be in a different headphones.
So what is that all about?>>Ellen: Right.
So in their headphones we play music that has an alpha wave
frequency. The alpha is the wavelength your brain is in just as you’re sift
E. drifting into sleep, in that twilight.
You’re not asleep yet but you’re In that frequency you can reduce the cascade of stress chemicals
which contribute to the in inflammatory responses, so it’s
actually part of the therapy to just help people relax, get into that alpha wave frequency,
breathe deep so that their shed cleared in every way when they
come out.>>Yolanda: Last question just
has to do with you’ve done minimal advertiseing because you are trying to get the word out.
How have people found you? Is it just word of mouth?
And what advice would you give for someone who is trying to
open up a business? Because 25 years doing what you
were doing and now you’re running your own shop.
A little different.>>Ellen: Yes, a little
different. Right?
>>Ellen: Right.>>Yolanda: A little different.
>>Ellen: Yes, a right, very different .
Yes, in a different world from previous health care marketing
that I’ve done. I would say the most effective
marketing that I have done and outreach has been through social media.
That’s been my biggest, whether it’s on individual Facebook page
page, a business Facebook page, heart magazine ran an article,
posted to it their Facebook page targeted approach friend to
friend. Word of mouth it’s spreading
very rapidly. And happily enough I now have
some physicians coming in because their patients have had
a good outcome and they would like see what this is about.
So it’s growing pretty quickly through social media and word of mouth.
>>Yolanda: Ellen Flaherty, it was a pleasure to speak with you
you. Thank you so much for your time.
>>Ellen: My pleasure. Thank you very much as well.
>>Yolanda: Thank you very much. And if you’d like to find out
more information about the salt sanctuary of Maryland, just log
onto our website MPT.org and click on “Your Money & Business”
Business.” And once you get done being in a salt cave, you have some bath
salt that you can take home with These are Himalayan is a little
that you can sprinkle in your bathtub and have a nice relaxing path.
That’ll wrap it up here from elk right back to you in the studio.>>Jeff: Yolanda, thank you.
And coming up on “Your Money & Business”,” why credit is
especially foreign important for>>Announcer: Election day is
November 8th. Maryland residents can register
to vote through October 18th. Visit elections.maryland.gov or
call 82228683.
Register today and vote on November 8th. śś>>THERE IS ONE STAGE THAT IS
THE MET AND CARNEGIE HALL. IT IS THE KENNEDY CENTER
AND A CLUB IN AUSTIN. IT IS CLOSER THAN ANY SEAT IN
THE HOUSE, NO MATTER WHERE YOU CALL HOME.
PBS, THE GREAT AMERICAN STAGE THAT FITS IN EVERY LIVING ROOM.
SUPPORTING YOUR PBS STATION BRINGS THE ARTS HOME.>>Jeff: And joining us now is
Ellen reneux, the new president and CEO of guidewell financial
solutions. Helene, thank you for being with us.>>Helene: Thank you, Jeff, for
having us.>>Jeff: You were the new
president as of January this year of an organization that
goes back 50 years.>>Helene: That’s correct.
I came in into function about nine
months ago at this point replacing my predecessor who was there for about 20 years, but
the organization itself guide guidewell financial solutions
historically more known as consumer credit counseling
services northern $ Maryland Delaware with Hass been in the
Baltimore community
since 1966. Historically we were known to
mostly cater to the the needs of but the organization has evolved in response to the changing
needs of the market, the changing needs of consumers, and we offer a wide range of
financial counseling and education services these days.
>>Jeff: Most of those services provide within the Maryland
region but some beyond.>>Helene: That’s correct, yes.
So about 80 percent of our clients are still from Maryland
and Delaware. Mostly Baltimore city, Baltimore county and some of the adjacent
counties. But about three years ago we
kind of became nationally licenseed so we can actually
serve clients nationwide at this>>Jeff: Now, I’m no expert on
accents but I don’t hear a Baltimore accent.
Tell me about your background and how you wound up here.
>>Helene: Yes. So actually I’m originally from
France. I grew up in France and went to
school in France and England and ago.
And I had a chance to have a nice career.
I started working at Fannie Mae, some time there in housing and
community development, got some exposure to the non-profit world
world, and then I got opportunities to move to a
national non-profit in DCers and ground at the community level.
>>Jeff: So how did you see the role of guidewell and similar
organizations around the country country?
>>Helene: I think it’s a critical role.
I think we have a service, not necessarily the most compelling
or the most exciteing service but
are certainly a service that just about anyone needs, you
know, money management, budget budgeting and skills that are
not widely taught at home or at school, for that matter.
So I think at some point everybody is going to need some
help managing their finances regardless of what their goals,
objectives or personal situations might be.
>>Jeff: I think it’s compelling there are few things that people care about more than that.
>>Helene: Yeah, but it’s one of likes to think they have a
better handle than they really do or that they understand
better than they may, and it’s certainly not a typo that people like to discuss openly.
>>Jeff: So like everyone thinks Everybody thinks they’re above
average at dealing with money. Where do people get into trouble
trouble? What do you see?
>>Helene: Well, I think it starts with self-perception.
I think you’re right. As people — about 60% of the
population does not have a budget.
They don’t know where their money is going, and that number
has been validated over the years by national surveys,
actually, you know, people don’t money to start with.
A lot of people southwesterly not ready for an emergency .
I think as a big problem right now which opens the door to
getting some product ,
payday product loans to try to heap
remedy those persons but really prepareing for emergencies is
probably the second crisis that I see.
>>Jeff: Now, when you think broadly about credit, is there
good credit and bad credit, good>>Helene: Actually there is
probably good debt and bad debt, your credit report, your credit
score is still the single most important financial asset that
you’re going to have in your life.
Credit is important not just for purchases, but it’s important in today’s economy to get a job,
it’s important to be able to get Your own apartment.
So it has a lot of — there’s a lot of reasons why people should really be concerned about it,
and we encourage people to check There’s a lot of free services
to help you do that.>>Jeff: Is enough effort or
time being spent educating young topics, about credit, what are
mortgages, how a bank account works, and the all-important
credit score?>>Helene: Well, I think there’s a lot of good efforts.
There’s a lot of great curriculum, a lot of great
programs. But I think, like any aspect of
education, it takes a village, and I think it takes educators,
it takes teachers, it takes parents to be involved.
We are obviously trying to play an important role, but the big
biggest challenge is to get that attention, and that’s always a
challenge.>>Jeff: There are scams out
there, and the credit repair business. How does a consumer know that
they’re dealing with a reputable>>Helene: Well, it’s always
good atop to do some research. That’s why the Internet is very
helpful. In our sector looking for a non-
non-profit a 501C3 organization that’s been in the community for a while, that HHS has some kind
of accreditation or donorsment by federal agencies, for example
example, guidewell financial solutions sa proved by the
federal government 501C3.
501(c)(3).

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