Car Insurance – What a Caveman Needs to Know

"It's so easy even a caveman can do it", the announcer procllaims, alluding to how easy it is to save money with their car insurance company. While the advertisement has been hugely successful, even leading to a television series, the reality is either a caveman, talking lizards, scantily clad models or anything else will make your car insurance any cheaper. Your insurance premium is primarily based on such things as your driving record, age, gender, location, the vehicle that you're insuring, and not on what insurance company you are with. If you really want to see how easy it is to save money with any insurance company, try getting cheap auto insurance with a less than perfect driving record including such indiscretions as speeding, accidents, or the dreaded DUI you'll quickly find that 'easy 'is a relative term; sometimes easier than Chinese Arithmetic, but not as easy as the ubiquitous commercials would lead you to believe.

Even a caveman will find it hard to get cheap car insurance in some places. The place that I call home; referred to by many as the People's Republic of Maryland, has a 'point' system in place where you get nailed twice for the same violation. Commit a driving violation here, and you will receive a gift that keeps on giving because not only will you pay when you go to court, but you will also be rewarded with higher insurance premiums when the auto insurance company finds that you've listed some points. If you are a really high achiever and score enough points, you can even get your license revoked or suspended. The 'point' is, your driving record is the major determinant as to how much you pay. If you want to keep your car insurance low..er, avoid tickets, and if you live in Maryland, take the bus.

When it comes to car insurance, it is definitely better to be a cave woman than a caveman. It's an established fact that all things being equal, you will pay more for auto insurance if you happened to born with the XY chromosome.The reason behind this is that since men have the testosterone thing going on, they are more likely to drive fast and reckless and there are a higher risk than the fairer sex. Having many years of experience behind the wheel, I would have to add that it's not so much where or not you are a caveman or woman that matters, but when or not you are a 'young' cave person. I could not begin to tell you how many times I have seen young Cro-Magnon women driving up on another cars bumper at 70 miles an hour. While this gender discrimination may seem a little Neanderthal to many of us, nobody said that life was fair; even for a caveman.

It also matters where you cave is located. When I was living out in Washington State, I paid less than half for car insurance than what I pay here in Maryland. In Baltimore, you can even pay higher rates just by living in the wrong zip code. I have a brother who lives just two miles from where I remain yet his auto insurance is much cheaper because he lives in a different zip code. You can be the safest driver on the roads but if you happen to live in the wrong area, you might just get penalized for it. Like real estate, when it comes to car insurance, location matters.

Lastly, the type of vehicle that you're insuring also plays a large part in how much you pay for auto insurance. For instance, certain vehicles are more popular with car thieves than others. According to the 'National Insurance Crime Bureau (NICB), the Honda Civic and Accord were among the most reported stolen vehicles in 2006'. 'The report also stated that thieves tend to target the most popular vehicles because they offer the best market for stolen vehicle parts and illegal export to other countries'. Insurance companies are aware of this as well, and most will charge a premium for the privilege of owning one of these thief happy cars.

While it may be true that you can save some money by insuring your auto with an insurance company that has a caveman as a spokesperson, the truth is that what you pay for insurance is based on numerous factors such as driving history, age, sex and location. Slick advertising side, that should be so obvious that even a cave man can see it.

An Urgent Fact Concerning ADHD and the Thyroid

I can not stress enough how a superior comprehensive testing to find out the cause of inattention, hyperactivity and moodiness can be. ADHD has been misdiagnosed and over-diagnosed for such a long time now that prescription medications are accepted as normal for a large percentage of children. Giving (as young as) three-year olds amphetamine and antidepressant based medicines for ADHD is repulsive, if in fact they do not need them.

How awful to have your child given ADHD medications, like amphetamines, when in actuality they could have hyperthyroidism. ADHD and the thyroid (a disease or imbalance) can both have symptoms that are similar. One of the earliest symptoms of a thyroid problem is hyperactivity and nervousness, forgetfulness and inattention. In the International Society of Psychoneuroendocrinology (ISPNE) a report was published by the University of Maryland School of Medicine researchers Peter Hauser, professor of psychiatry, and Dr. Bruce Weintraub, professor of medicine at the University of Maryland, School of Medicine, finding a positive connection between elevated levels of certain thyroid hormones and the connection to ADHD like symptoms of hyperactivity and impulsivity.

So if your child appears to have symptoms common to ADHD, but a doctor says, "No they do not have the disorder", you need to check into a resistance to thyroid hormone which blood tests can detect. They will be prescribed the correct medication that will correct the condition.

If your child does in fact have ADHD and not a thyroid problem there are other alternatives between prescription drugs. Many parents are trying alternatives such as unprocessed foods, no artificial ingredients and supplements specifically designed for ADHD which have been shown to work as well as Ritalin in some cases.

NCAA College Football Week 11 Point Spread Picks

WE went 17-9 against the spread with our week 10 college football picks, which included 5-3 against the spread with our best bets / strong plays. Our total seasonal record is now an incredible 172-127-3 against the spread.

Now on to week 11 and our free picks which we wanted to provide to you as an informative way for you to see what goes into a professional handicapper's line of thinking when making selections. Enjoy and good luck with everything.

Boston College (-5.5) VS. MARYLAND: Boston College is in a bad spot here as they will probably let after seeing their national championship aspirations fall by the wayside. They now have to go out on the road to take on a Maryland team that has played tough all year long and who could catch BC sleeping. THE PICK: Maryland (+5.5)

WEST VIRGINIA (-17) VS. Louisville: There is no love lost between these two teams and West Virginia will be all out to avenge last season's loss to Louisville. Thursday night home teams giving more than 2 points are also on a great roll laately as they have now gone 39-16-2 ATS. Also West Virginia is always a good bet when facing a team that defeated them last time out as they are now 9-1 ATS in revenge games. THE PICK: West Virginia (-17)

Arizona State (-7) VS. UCLA: Arizona State is in a letdown spot here after seeing their undefeated season go up in smoke against Oregon. The Bruins have been a dissapointment this year but they have a strong defense that will keep this one close. THE PICK: UCLA (+7)

The following games are our BEST BETS and STRONG PLAYS for the week.

BEST BETS

AIR FORCE (-3) VS. Notre Dame

VIRGINIA TECH (-6) VS. Florida State

SOUTHERN MISSISSIPPI (-15.5) VS. Memphis

Florida (-6.5) VS. SOUTH CAROLINA

TULSA (pick) VS. Houston

RUTGERS (-19) VS. Army

STRONG OPINIONS

TENNESSEE (pick) VS. Arkansas

Alabama (-4.5) VS. MISSISSIPPI STATE

So all in all we have eight BEST BETS / STRONG OPINIONS for the week for our subscribers. Good luck.

Haunted Baltimore – Prowling For Phantasms in Fell’s Point and Beyond

A man moves into a house on Lancaster Street, Baltimore. One day, he decides to take down the previous owner’s kitchen curtains. He takes out a wobbly stool and steps up to remove them. Suddenly, he looses his balance and begins to fall. Then, a hand presses against his back, steadying him and he doesn’t fall. No one else was in the room besides himself.

Later, he recounts the story to the woman who sold him the house. She replies, “That must be mom. She once fell from that stool and broke her arm. She must have wanted to prevent the same thing from happening to you.”

This is just one of many stories you’ll hear while taking the Fell’s Point Ghost Tour. Fell’s Point is riddled with ghostly happenings. Not only is it one of the oldest neighborhoods of Baltimore, Md., it also has experienced a lot of death. In both 1794 and 1797, many people died of yellow fever. So many, that the bodies piled up like cordwood in what is now Fell’s Point Square, which may also be the site of their mass burial.

Establishments highlighted on the tour have had ghostly headless chickens running around the basement, an African American spirit who likes to move an ash can from the fireplace to the front door, and an apparition that walks down the street only to disappear in front of his grave.

“One of my favorite stories,” says Amy Lynwander, co-founder of Fell’s Point Ghost Tours, “is at Duda’s where we talk about Doc, a retired seaman” who used to live there. He had a favorite polka that he played on the jukebox often. After he died, the polka was retired from the jukebox. However, some months after Doc died, “the polka spontaneously played for a group of regulars sitting at the bar.” When they checked the jukebox, the polka was not among the selections available. “They thought it was Doc saying goodbye.”

Maryland has a lot of ghostly activity, says Beverly Litsinger, co-founder of the Maryland Ghost and Spirit Association, an organization that researches and investigates ghostly paranormal phenomena throughout Maryland, “most likely because it has a lot of history.”

The Fell’s Point Ghost Tour lasts about an hour and a half and features about a dozen locations around the neighborhood. For a real ghost-hunting adventure in the Baltimore area, be sure to visit these places, as well:

• Fort McHenry, which was, in part, the inspiration for Francis Scott Key’s Star Spangled Banner, is said to be haunted not only by soldiers who died defending the fledgling US, but also people who were detained in its dungeons at other points in the fort’s history.

• The USS Constellation is said to be haunted by a young Naval officer or seaman who died in service to his country. One story also tells of a priest who was given a tour of the ship by an older man, only to find out later that no such man worked there as a guide.

• The Westminster Church and Catacombs, which is home to Edgar Allan Poe’s grave, as well as other well-known historic figures, has a long list of spooky stories. Visitors have reported hearing hushed voices, feeling invisible hands touch them, and felt icy spots with no explanation.

According to Lynwander, October is the most popular time of the year to take her tour. However, she says, “September is a good time, too. It’s the calm before the storm. It’s dark when you do the tour and the weather is usually very nice.” For more information, visit their website http://www.fellspointghost.com.

The Art of Power Washing Decks

Since the Environmental Protection Agency (EPA) started banning the use of pressure treated wood due to chromated copper arsenate (CCA), most people have decided to seal their wood decks as the EPA proposes to prevent the arsenic from leaching into the soil. Most homeowners use local companies to pressure wash their decks and siding to save valuable time and the expense of rental equipment and some prefer to do the job themselves on a hot summer day. If you decide to hire a contractor to perform the work for you, there are a lot of important questions you need to ask before you should allow them to work on your home. First, make sure the company your hiring has the experience and the right equipment to perform the job properly, using more than 1,000 PSI or less than 4gpm can cause damage to wood. In Maryland, your also required to have a Maryland Home Improvement License (MHIC) for sealing decks or any repairs and it must be listed in all advertising and vehicles.

Make sure that any contractor you hire has a copy of this license and a long history of performing work in the area also; check them out with The Better Business Bureau. Another way to protect yourself is to use a company with certificates and affiliations in their industry like The Power Washers of North America.

The PWNA is the recognized leader in developing and communicating the highest standards in ethical business practices, environmental awareness, and safety through continuing education and active representation of the membership. PWNA educated and trained contractors raise the level of professionalism and value to their customers, and run a National Clean Across American project from July 24th-31st for various charities. For information about this project see their website at http://www.pwna.org

Unfortunately, many homeowners have tried using an unlicensed or inexperienced contractor offering a lower price, in some cases this may end up with the job uncompleted or worse, done improperly causing thousands of dollars in damage.

It will cost more time and money to find the right contractor for you but it could cost far more, to hire a company without the proper experience or to do the job yourself. For example, most people do not know that using household bleach to remove the mold and mildew from your deck will actually damage the woods lignin fibers. Or that too too much pressure can also damage the woods surface and cause it to splinter or fur. To many companies have decided they could tackle it without the proper training and with most machines putting out an average of 3,000 PSI it can be dangerous to the operator and your property. Properly learning the techniques and training for cleaning wood takes time, training and a long-term investment, each deck or house is different and they all require special attention. First you have to find out if there is an existing sealer or stain on the deck and how to remove it properly. Very similar to painting, deck sealers and preservatives will not properly adhere to a wood surface that has an existing sealer on it.

First this product must be removed from the deck using a stripping agent and you must take steps to ensure that the stripping agent will not harm the plants or siding on the home. Most deck stripping agents have a sodium hydroxide base that will remove the existing sealer or stain and then it can be washed off with a pressure washer using a maximum of 1,000 PSI. When using a pressure washer you must clean with the grain of the wood the entire length of the board. By varying your distance from the wood or not going with the grain you may cause marks and discoloration in the surface. If done carefully, this will leave you with a clean surface for the next step.

Now that you have used a deck stripper to remove the last sealer, the surface must be neutralized so the sealer will absorb and adhere to the wood. Wood and other surfaces can be neutralized using citric or oxalic acid to bring them to a neutral Ph level, Oxalic acid will also remove tannin or leaf stains and also those iron or rust stains from rusting furniture. Now your wood surface is ready to be sealed and there are many other options to consider. The various sealers can be confusing to some but it's important to use a product that has ultraviolet protection from the suns rays. Most sealers have some UV protection, various oils to moisturize the wood and mildew prevention to fight the growth of mildew and mold. The best UV protection can be found in sealers that contain a pigment or stain, almost all of these products form a film on the woods surface, that may wear off with foot traffic or pets, they are semi-transparent allowing the woods natural grain to show while adding a tint of color to the surface. They will also help blend the over all color of the wood if some of your lumber has a different shade than others.

You can also use products with solid colors, which do not allow the natural wood grain to show through and in most cases they usually appear to be painted when completed. Then there are conservative-based deck sealers that will penetrate into the wood. These products come in clear and different stain colors and they tend to last the longer because they penetrate into the wood. This allows the oils in the sealer to penetrate into the wood, which keep the wood from dry rotting, cracking, and also blocks the suns UV rays. These conservative sealers will hold up twice as long as the surface film forming agents and they will extend the life of the wood.

Henry Bockman

President, Henry's Housework Inc.

MHIC # 65039 Licensed, bonded and insured.

www.Henryshousework.com

301 353 9287

Properly Exercise Your Rights Before Speaking to Your Criminal Defense Attorney

The Supreme Court of the United States has determined that you and I (and everyone else in the US) have certain Constitutional rights that are interminable and can not be violated – except in very rare circumstances. Included in those rights are the right to remain silent and the right to an attorney. While we usually think of these rights as they are shown in the movies (ie cop arrests guy, cop reads guy Miranda warns, guy says "talk to my attorney"), they apply in all sorts of situations. Additionally, you have rights even before Miranda is triggered, usually by an arrest.

I'll give you three examples, involving very different facts:

1) Maryland criminal law example.

Let's say you are arrested for some serious liability, attempted murder, near Annapolis. You are arrested and the police officer gives you the proper Miranda warnings. After you exercise your right to an attorney, you are placed in a holding cell. You ask for a phone call, and the officer obliges. You call your friend, who tells you that you are all over the local news. You have been arrested for attempted murder. You tell your friend that they have no proof. You hid the murder weapon in a car and drve the car over a cliff into the water.

The cops have you. You said something. Even though this is not the typical situation that we see in the movies, you still had a right not to say anything. When they said, "anything you say," they mean anything you say. Jail phone calls are almost always monitored and recorded. You did not have to make that call, and you would have been exercising your right to remain silent.

2) Virginia criminal law example.

You are involved in an accident on I-66. An eighteen-wheeler taps you from behind, the driver blows the horn, and then speeds off. You call the police. When they arrive, you tell the officer that the truck driver cut you off and you veered into the jersey wall. You then proceeded to drive in front of the truck and slow down, in an attempt to get the driver to stop because he caused an accident. At least that was your thinking. The cop then gives you a ticket, because this kind of driving is considered reckless in some states.

Again, you did not have to say anything to the cop. Ignorance of the law (meaning you did not know that what you did is reckless driving) is not an excuse. Beside, what advantage are you gaining from saying anything to the police officer?

3) DC criminal law example.

Suppose you are driving home from happy hour near the Verizon Center and you get dropped over. The cop tells you that your taillight was out. He then proceeds to tell you that he smells a distinct odor of alcohol emanating from your breath. The magic words. He asks you if you've been drinking. Your answer to this question will dictate how this story unfolds.

The message is simple. It is not a criminal offense to exercise your rights, despite what the cops may say to trick you into believing it is. You also do not have to wait until an officer lets you know what rights you may exercise. But people fail to keep informed and properly exercise their rights on a daily basis. It makes my job very difficult, and often decreases the chances of beating a criminal charge.

Pets and Divorce: Some States Recognizing Wellbeing of Animals in Divorce Cases

Anyone who has cuddled up on the couch with their beloved dog would agree with the statement that for many people, dogs are not pieces of property that can be haphazardly divided, but rather are family members, or in the least, animals with rights that need to be considered. Now, family law courts across the country are recognizing that as well, and several states have enacted divorce law statutes stating just that.

Alaska became the first state to adopt such a measure, doing so in 2017. Illinois followed suit in 2018, and California then joined the club in 2019. State-by-state, the laws are a bit different. For instance, in Alaska, considering the wellbeing of the animal is a requirement. In California, judges have the opportunity to consider the wellbeing of the animal but are not generally required to in all cases.

So how do you consider the wellbeing of a pet in a divorce case? You've got to think about who cares for and is best able to care for the animal. That may include matters such as living and working arrangements, the financial capability of caring for the animal, and even wherever the animal is strongly attached to just one of the two parties.

It should also be noted that most people will immediately think about dogs in divorce. However, the aforementioned laws actually deal with all animals that are household pets for the couple. So whether it's a cat or an iguana, the animal would qualify.

When states beginning passing measures such as these dealing with pets and divorce, it's not uncommon for the movement to pick up momentum across the country. Even for much more hotly debated matters, such as medical marijuana and then fully legalized recreational marijuana, and same sex marriage, once a trickle of states began to pass such measures, others began to do so more quickly.

In a few years time, it would not be a total surprise to see many more states across the country also recognizing the rights of pets in divorce. Also consider that there are animal cruelty laws in place that can result in jail time for offenders. Therefore, viewing animals as beings that have rights and need their wellbeing protected is not exactly a great leap of logic.

Of course, as we've been discussing, pets in divorce is a matter that is handled by individual states. If you're moving through a divorce case or may be doing so in the future, you only have to consider the official statutes of your own state. That's also why it always makes sense to work with a seasoned professional who is familiar with all local regulations.

Caring for the wellbeing of animals is something that's important to so many people, and seeing that through to considering their wellbeing in the matter of pets and divorce cases is a positive step forward.

I Want My 400 Pounds! – Trucking, APUs And Weight Allowances

There’s a lot of hubbub about APUs (Auxiliary Power Units- or generators) these days. Yes, the federal government is allowing up to 400 lbs for trucks with APUs- or any device used to reduce fuel use and emissions. It’s part of the idling reduction strategy- to encourage truckers and trucking companies to install APUs. But that doesn’t mean you can always get it.

The wording of the law says that any vehicle with an APU “may be allowed up to an additional 400 lbs total in gross, axle, tandem, or bridge formula weight limits”- a generator installed on the tractor would not allow for bridge law variance.

The problem is that, though the federal government is allowing the weight increase, the states don’t have to allow it. That means in one state you may be allowed to run up to 80,400 lbs. but in the next state, you may be limited to 80,000 lbs. despite the federal government’s ruling. Many states already have weight tolerances above the 400 lb weight exemption, so the ruling really doesn’t affect the enforcement procedures.

It’s great in theory, but in practice, it’s pretty much worthless.

What we’ve run into is that many officers are unaware of the Federal ruling, so, while a state legislature may have adopted the 400 lb allowance, the enforcement officers may not be aware of it. All of the following information is subject to change and, as always, the right hand may not know what the left hand is doing. Be prepared to show as much documentation as possible whenever you run into a road block!

The following is a list of states and the status of their 400 lb weight exemption status. We are contact state officials directly- none of this is second-hand information. All information is subject to change.

States that have adopted the 400 lb weight allowance (officers at the weigh stations may be unaware):

Arkansas

Arkansas will allow an extra 400 lbs on an axle to account for the APU but will not allow more than 80,000 lbs for gross weight.

California

Idaho

Maine

Maryland

Michigan

Michigan DOES allow 400 lbs for an APU. The problem you may run into is that no weigh station officers we spoke with knew about the Federal ruling and the Michigan Center for Truck Safety was under the impression that Michigan had not adopted the ruling, but could not say for sure. According to Lieutenant Dave Ford, Michigan does indeed honor the 400 lb ruling. Drivers are required to have the APU’s weight documented by the manufacturer and have proof that the documented APU has been installed on that unit (as opposed to a different APU).

North Dakota

Oregon

Oregon Senate bill 223 officially allows trucks with APU (auxiliary power units) an extra 400 lbs in their gross weight limits. Oregon complies with the federal ruling and requires written certification of the APU’s weight. Oregon motor carrier enforcement officers have been allowing the 400 pound weight exemption since February of 2006. The APU must be in working condition.

Virginia

The 400 lb weight exemption is allowed on interstate highways only. Drivers on state routes are subject to Virginia’s standard gross and axle weight enforcement.

Washington

States that have not adopted the 400 lb weight exemption and:

*have weight tolerances (for scale variance)

*have low fee amounts and won’t make you offload for 400 lbs overweight

*and states whose officers are very unlikely to give you a ticket unless you provoke them- officer discretion is a factor (the officers in many of these states did not know about the 400 lb weight exemption but said the 400 lbs is too low for them to bother with):

Connecticut

Officers at the Greenwich weigh station didn’t know about the Federal ruling, but they said the chances of them writing a citation for such a small amount is unlikely. That stretch of I 95 is limited to 80,000 lbs no matter what permits a driver is carrying, so the limit is 80,000 lbs. 80,001 lbs may result in a ticket, but it’s not likely until the truck reaches 81,000 lbs, depending on officer discretion. The official word from Commercial Vehicle Enforcement Headquarters is that Connecticut has not adopted the 400 pound weight exemption.

Colorado

Delaware

Georgia

Florida

Kentucky

Depends entirely on officer discretion- you are not likely to get a ticket for 400 lbs.

Louisiana

Montana

New Mexico

New York

North Carolina

Officers at the North Carolina weigh stations that we called didn’t know about the Federal 400 lb allowance but said that they have a 500 lb tolerance that they’ll allow before they start writing tickets.

South Dakota

Officers would not disclose their tolerance allowance but say their tolerance is greater than 400 lbs, so, even though the legilature may not have adopted the Federal standard yet, their current standards allow for the increased weight.

Utah

Officers at the Henefer POE say they will allow up to 500 lbs for an APU. Officers at other POEs were unsure about the law.

West Virginia

Wyoming

Officers at the Cheyenne I 25 nb weigh station say they will allow up to 500 lbs over with no ticket.

States that do not allow 400 lbs for an APU (based on our inquiries- subject to change):

Alabama, Arizona, Indiana, New Jersey

There are several states missing from this list. We are still contacting states we have not received an answer from and will provide updated information when it becomes available! Feel free to contact us with your input and experiences.

To get the 400 lb. allowance, you’ll need to be able to provide:

* certified weight of the APU in writing (if your APU only weighs 380 lbs, you’ll only be allowed 380 lbs)

* certified proof (or be able to demonstrate) that the APU is functional (working)

You’ll also want to carry a copy of the Federal regulation with you. You can find it in the Electronic Code of Federal Regulations [http://www.gpoaccess.gov/ECFR/] in Title 23 (Highways), part 658.17 (you’ll find it in section n).

Hot Action on the Sassafras

The state of Maryland has a river called the Sassafras located in Georgetown, and connects with several other rivers, the Northeast, the Bohemia, and then to the Chesapeake bay. From Wilmington, Delaware, take I-95 south, until you see the Route 1 exit, by the Christina mall, (exit4), follow Route 1 south over the Chesapeake and Delaware Canal bridge, and exit at the bottom of the bridge before the toll gate. Follow route 13 south to Boyd's Corner, and turn right on route 301 south, follow the road 3 miles to the intersection of 301 and 71, Summit Bridge Road, and turn left at the light. Follow 301 south, toward the Bay Bridge. Follow this all the way to exit 290, Chestertown-Galena exit. Turn right on 290, and follow it about 4 miles into the town of Galena. Make a right at the light onto 213 north, by the Citgo gas station. Go about 2 miles down the road, and cross the drawbridge in Georgetown, at the Georgetown Yacht Basin marina. As soon as you cross the drawbridge, make your first left at George Street. Follow George Street past the Marina toward the Granary Restaurant. The launching ramp is open to the public and accommodates about 10-12 vehicles with trailers. It is on the left hand side of Sassafras Street, right before the restaurant. The ramp is good, but shallow at low tide.

Another launching ramp is available, but requires a Maryland launch ramp permit, and it is hard to obtain. Most anglers use the public ramp. There are several marinas with gas located on the river, with a towboat service if you should ever need it. There are no-wake restrictions in the marinas, and a six mile per hour speed limit on Saturday, Sunday, and holidays, which are clearly marked in the channel.

ESTABLISHING A PATTERN

Duffy Creek is a good place to start first. It is by the restaurant, and you should quickly work the docks and wood with spinnerbaits and buzzbaits for any active fish. If this does not produce, then go back over the same area with a black and blue jig and a 4 or 5 "Senko, and cast as close to the moored boats and docks as possible, making a quiet entry with the bait. and pitching are good techniques to know here. Work them well, but do not waste too much time here if they do not produce.

The next move is up the river about a mile to Hall Creek. Work the wood even in the very shallow areas at all angles with a white / chartreuse 3/8 ounce "Terminator" spinnerbait or a "Rat-L-Trap". Several six pound bass were done here on these lures. Check your line frequently for abrasions and nicks, as the cover will fray it easily. If these areas do not produce, move up to McGill Creek, and work the pads in there with a 1/2 ounce "Tournament Frog" in Black or Brown. First work them slowly, and if you do not get ant strikes, work them quickly through the pads pausing only once on the way back to the boat. Many times this draws some reaction strikes when they do not hit it worked slowly.

Just a short distance up the river from McGill Creek, on the left hand side of the river is Freeman Creek. This can be an excellent area. Be sure to work the pads in here with a Tournament Frog and a buzzbait. Many days, we dropped a 15 pound limit right out of here, without ever leaving. If the pads do not work, move directly across the creek, and flip the docks with a jig, small worm, or a "Senko". Do not overlook Turner's Creek near the beach, or the pads and grass by the point and in the back. These areas have all produced bass at times in excess of 5 pounds. Stripers are also used in this same area. Use your depth finder to locate the water that is from 4-6 feet deep, and move along slowly, looking for the grass beds and weed edges along the drop-offs and bluffs. Many 4-5 pounders were caught by casting a spinnerbait, small worm, and a buzzbait, while staying in about 4-6 feet of water, and casting to the pockets of thinner grass.

EQUIPMENT

Some of the things you should have are spinning rod in 6 to 6 1/2 feet, with a medium action for smaller baits, such as grubs, 4 "Senkos, and French Fry worms. Stren line with a good quality reel like a Shimano or Daiwa. You should also have a Heavy-action baitcaster with 20-30 pound test for working these pads. need to be able to muscle them out. I also like to have a good 7 foot rod, such as BPS, or a Lews, or G.Loomis Cranking stick for the buzzbait.

BEST TIMES

The best times to fish is a few days before, and up to a full moon, and the first hour and a half of the incoming tide, and the last 2 hours of the outgoing tide are best. During periods of slack water, move a little off shore and work the grass flats with a small grub, and a 4 "worm, dropped into the pockets.

WHEN ALL ELSE FAILS

The Sassafras River can be exciting most of the time, but when it turns off, it really turns off! If this happens, try running back towards the marina, and head up under the drawbridge, and work all the fallen docks with a "Senko" rigged weightless, on 8-10 pound test, try wacky-rigging it if it does not produce any takers the conventional way. Work all the real ceiling wood in here also, with a spinnerbait presented repetitively, from many different angles.

Maps of the Sassafras River are available from "Mare's Marine" in Fredericktown, Maryland, and at sporting goods stores and marinas in the area.

Have You Ever Played a Paul Reed Smith Guitar?

The Paul Reed Smith Guitar produced in Maryland is the creation of Paul Reed Smith. The year was 1985 when he started producing guitars for local bands. Today the guitar is world famous.

They are sought after because of their fine sound and because of their beautiful features. Musicians want them because of their unique sound. Collectors want them for their unique art work. The basic Paul Reed Smith is made of mahogany and maple wood. They sport a high figured top. Some have what appears to look like tiger stripes.

Some high end models are made of Brazilian rosewood with finger boards made of the same type of wood. This work of art was used by Ted Nugent, the first well known rock star to be convinced to try it out. This was the beginning of something big for the Maryland company.

When a big name like Ted Nugent agrees to use your instrument you are looking at some great publicity if he gives his approval. He did and the guitar maker has not looked back. It is interesting to say the least how the actual guitar can have such a large influence on the music and the performer.

For the average music fan who is not in touch with the musical instruments themselves he takes for granted the connection the performer has with his guitar. The music itself might not have ever appeared if not for a particular model guitar.

The person in the know however can appreciate the connection that the Paul Reed Smith guitar has had with some of the best music to be produced. If you want to try one of the best guitars in the world this is the one for you. In the meantime take a listen to some of your favorite rock music and see if you can tell the difference in the guitars you hear.