JULY 2020
CityLifestyle.com/WestBloomfield
Make Waves This Summer!
FOUR WAYS TO PREPARE FOR LISTING YOUR HOME
WARRIOR WAY MARTIAL ARTS IS BETTERING LIVES
A LOCAL SUMMER MUST-HAVE: FARMHOUSE COFFEE & ICE CREAM
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West Bloomfield Lifestyle | July 2020
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3
LIFESTYLE LETTER
JULY 2020 PUBLISHER
Maria Ragone | maria.ragone@lifestylepubs.com, Russ Ragone | russ.ragone@lifestylepubs.com EDITORIAL COORDINATOR
“Summer summer summertime…” ADMIT IT: YOU TOTALLY JUST SANG THAT SONG IN YOUR HEAD, RIGHT? Author Kellie Elmore once said, “I love how summer just wraps its arms around you
Danielle Alexander | danielle.alexander@lifestylepubs.com AD DESIGNER
Whitney Lockhart LAYOUT DESIGNER
Dani Moore
like a warm blanket.” And boy, after the spring we’ve had, haven’t we all needed this
CONTRIBUTING PHOTOGRAPHERS
embrace? (I’m not at all a hugger, and even I’ve missed physical contact with my
Nicole Waugh and Joseph Lease
friends and family!). This month is West Bloomfield Lifestyle Magazine’s “Summer” issue, and no matter your needs and goals this season, our hope is that you continue to support local. Luckily, West Bloomfield and surrounding cities are filled with amazing businesses that continue to offer our community so much. With Michigan opening up and life returning to a more familiar state, we need to be there for those who have always been there for us. Planning to sell your home soon? Read real estate expert Brittany Linville’s tips to prepare for listing. Perhaps you’re looking for a new activity for your child to try out? Warrior Way Martial Arts in Walled Lake not only provides children with physical fitness and discipline but also self-confidence. Seeking to build wealth while raising a family? Joseph Dallo of Dallo Financial shares steps parents can take to help
CORPORATE TEAM CHIEF EXECUTIVE OFFICER Steven Schowengerdt CHIEF SALES OFFICER Matthew Perry CHIEF FINANCIAL OFFICER DeLand Shore
make this happen. Or, maybe you’re in the mood for a fresh cup of coffee or an ice
ART DIRECTOR Sara Minor
cream cone...or, if you’re like me, both? The family-owned Farmhouse Coffee and Ice
OPERATIONS DIRECTOR Janeane Thompson
Cream truly has something for every palate. Many are not– understandably– feeling comfortable traveling quite yet. With this in mind, the staff at the West Bloomfield Township Public Library kindly put together a
AD MANAGER Chad Jensen REGIONAL SALES DIRECTOR Eric Williams WEB APPLICATIONS Michael O’Connell
list of books that take place in unique and diverse settings, so you can feel like you at least got a little “escape” this summer. Whether I’m boating on one of our surrounding-area lakes, walking down one of our many nature trails or picnicking at one of the West Bloomfield Parks, I can’t help but feel grateful for living in such an amazing city, surrounded by such a supportive community of people. I hope you have the best summer yet! Sincerely,
ARIZONA | CALIFORNIA | COLORADO | CONNECTICUT | FLORIDA | GEORGIA IDAHO | ILLINOIS | KANSAS | MARYLAND | MASSACHUSETTS | MICHIGAN MINNESOTA | MISSOURI | MONTANA | NEVADA | NEW JERSEY | NEW YORK NORTH CAROLINA | OHIO | OKLAHOMA | OREGON | PENNSYLVANIA SOUTH CAROLINA | TENNESSEE | TEXAS | VIRGINIA | WASHINGTON
Danielle Alexander, Editorial Coordinator
CityLifestyle.com/WestBloomfield
Proverbs 3:5-6
ON THE COVER Andrea Shelton wake
West Bloomfield Lifestyle™ is published monthly by Lifestyle Publications LLC. It is distributed
surfing on a local lake.
Articles and advertisements do not necessarily reflect Lifestyle Publications’ opinions. No
PHOTOGRAPHY BY JOSEPH LEASE 4
514 W 26TH ST., KANSAS CITY, MO
West Bloomfield Lifestyle | July 2020
via the US Postal Service to some of the West Bloomfield areas’ most affluent neighborhoods. portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial contributors. Information in West Bloomfield Lifestyle™ is gathered from sources considered to be reliable, but the accuracy of all information cannot be guaranteed.
DR. JOSEPH
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INSIDE THE ISSUE JULY 2020
FEATURES 12 Martial Arts for Kids Warrior Way Martial Arts betters lives through self-confidence, discipline and physical fitness.
16 Planning to Sell Your Home? Brittany Linville of Metropolitan Real Estate provides four ways to prepare for listing your home.
22 Farmhouse Coffee Farmhouse Coffee and Ice Cream makes everyone feel welcome and satisfied.
26 Wealth Building Strategies Joseph Dallo provides steps parents
22 12
can take in seeking to build wealth while family raising.
26
16
DEPARTMENTS 4
Lifestyle Letter
8
Good Times
10
Around Town
12
Healthy Lifestyle
16
Open House
22 Locally Owned 26 Financial Buzz 28 Page Turners 32 Culinary Creations
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7
GOOD TIMES
West Bloomfield and surrounding-area residents make most of Memorial Weekend Even though the stay-at-home order was extended to June, West Bloomfield and surrounding-area residents followed social-distancing rules but still kept it a priority to safely enjoy their Memorial Day weekend. From scooter to kayak rides and tailgates to camping, the community made the most of their time with family.
A Trilogy Senior Living Community. ASSISTED LIVING SERVICES | MEMORY CARE P O S T- A C U T E H E A LT H C A R E S E R V I C E S INDEPENDENT LIVING VILLAS
Amid rolling hills and lush farmlands in the picturesque Detroit suburb of Commerce Township, MI, sits Westlake Health Campus, a senior living community dedicated to exceeding your expectations. Within the walls of our beautiful, one-story building, we provide Assisted Living, Skilled Nursing, Short-Term Care, Memory Care and more. It’s our aim to make every senior we serve feel at home, which is why we pair every service we offer with delicious food and activities that nourish the mind, body, and spirit. The same is true in our Independent Living villas. Just a stone’s throw away from our campus, here community seniors can find the independence they crave, coupled with the support they need to get the most out of life.
8
West Bloomfield Lifestyle | July 2020
10735 Bogie Lake Road Commerce Charter Township
248-363-9400
TreeRunner Adventure Park welcomes guests to the forest West Bloomfield's TreeRunner Adventure Park opened for the season in May. Climbers were required to wear face coverings and maintained social distancing; however, it was a beautiful weekend to hike and explore the great outdoors in an aerial adventure, seeing the forest from new heights with tantalizing trails, ziplines and obstacles for beginners through experts. For more information, visit treerunnerwestbloomfield.com
248-301-1570
07/31/2020
CityLifestyle.com/WestBloomfield
9
AROUND TOWN
WEST BLOOMFIELD RESIDENT CREATES HAND-PAINTED, PERSONALIZED ITEMS FOR ALL AGES For the last 12 years, Amy Sternberg of West Bloomfield has been creating unique, hand-painted and personalized items for all ages, including step stools, clipboards, piggy banks, jewelry boxes, ornaments and more. She welcomes new ideas and works with her customers to figure out a way to bring them joy. For more
FREE In-Home Estimates Full Remodeling Ser vices Available Shelby Township • West Bloomfield
information about Amy and her work, visit artworksbyamy.com; she’s also on Facebook and Instagram, as well.
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LET US DESIGN YOUR DREAM KITCHEN
THREE LOCAL STUDENTS START BAGEL DELIVERY SERVICE Ethan Marcus (left), Mason Marcus (middle) and Jonathon Cloutier (right) came up with the idea of a bagel delivery service when a nearby bagel factory closed. They are not only excited to provide a service to the community by
delivering
fresh
bagels/cream
cheese on Sunday mornings, but 10% of weekly proceeds have been donated to Beaumont Hospital in support of COVID-19. They deliver to Birmingham, Beverly Hills, Bingham Farms, Franklin, 10
West Bloomfield Lifestyle | July 2020
Bloomfield Township, Bloomfield Hills, West Bloomfield, Farmington Hills and Royal Oak. For more information, visit bagelboysdeliveryservice.com.
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FARMINGTON CO-WORK AND VISI PRODUCTIONS HELP 2020 GRADUATES MAKE MEMORIES Farmington
Co-Work
and
its
next-door neighbor Visi Productions reached out to the community for graduation cap donations. Using the 108 donated graduation caps, a display was made in front of the building for the public to use on their own time. Additionally, Visi Productions photographed graduates, complimentary, in June. "With all students of the 2020 graduating class not having the opportunity to walk, we wanted to give
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WEST BLOOMFIELD LIFESTYLE MAGAZINE HAS NEW WEBSITE CityLifestyle.com is the new digital home for West Bloomfield Lifestyle Magazine. We’re bringing you an enhanced experience with articles from current and past issues at your fingertips— along with a whole lot more. Read additional digital-only content and connect with your favorite restaurants, businesses and events to bring a new meaning to local living. Whether you’re looking to dine, read, shop or play in your community, we’re bringing you everything you need, all in one place.
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11
HEALTHY LIFESTYLE WARRIOR WAY MARTIAL ARTS BETTERS LIVES THROUGH SELF-CONFIDENCE, DISCIPLINE AND PHYSICAL FITNESS. ARTICLE DANIELLE ALEXANDER PHOTOGRAPHY COURTESY OF STUART LEE
12
West Bloomfield Lifestyle | July 2020
MARTIAL ARTS FOR KIDS CO-FOUNDED BY HARVY BERMAN, SCOTT LEWIS AND
teaching children how to respond in a calm and controlled way
BILL THOMPSON, WARRIOR WAY MARTIAL ARTS ALLIANCE
that will stop, rather than escalate, violence.
OPENED ITS DOORS IN WALLED LAKE IN OCTOBER OF 1997
“At the younger ages, we actually teach martial arts as a game,”
WITH THE GOAL OF HELPING PEOPLE BETTER THEIR LIVES
Fracassi-McDaniel explained. “It’s never really considered or
THROUGH SELF-CONFIDENCE, DISCIPLINE AND PHYSI-
talked about as a fight until later.”
CAL FITNESS THAT TRAINING IN THE MARTIAL ARTS CAN
In addition to equipping children with skills to help them deal
BRING. In addition to the distinction of having the longest-run-
with bullies, the other objective of Warrior Way’s youth program is
ning Brazilian Jiu-Jitsu program and finest Muay Thai training in
to instill children with character traits that will yield success in all
the state, Warrior Way also has a large youth program of over 200
areas of life. There are eight chapters in Warrior Way’s character
students that is taught by a variety of instructors, some of whom
development program: tolerance, perseverance, courage, respon-
have a background in education.
sibility, health, respect, strength and honor.
Martial arts is a routine that improves focus and self-discipline,
“We introduce the traits on an organized and structured sched-
developing the mind as well as the body. Students at Warrior Way
ule,” Fracassi-McDaniel said. “All of the instructors have personal
learn to control themselves to respect others, which naturally leads
stories that we can connect to them, so no matter which instructor
to a respect for self, improving self-esteem and self-confidence. This
students have, they’re hearing the same message and know how to
benefit often carries over into school, helping to not only improve
make the trait a part of their everyday lives.”
behavior but also academic performance.
There are three main age groups within the youth program:
“The reason most people come to us is because their kid lacks
+ Warrior Way Little Warriors: These classes are open to any child
confidence or is getting bullied, and we can teach them real-world
age four, five and six years old. Students will work on a combination
self-defense,” Warrior Way instructor Brandon Fracassi-McDaniel
of Brazilian Jiu-Jitsu, Muay Thai Kickboxing and American Freestyle
explained. “Kids have to be able to defend themselves just like
Karate, as well as learn the eight components of Warrior Way’s char-
they have to be able to swim. These are life skills that every kid
acter development program.
needs to know and are really non-negotiables. Kids should do
+ Warrior Way Kids: This program is open to any child who has
martial arts their entire life.”
achieved the rank of yellow belt in the Little Warriors class or is
Rather than promoting violence like many so often assume,
seven or older. Students will work on a combination of Brazilian
martial arts opens the door to building a solid foundation of
Jiu-Jitsu, Muay Thai Kickboxing and American Freestyle Karate,
self-confidence and a healthy sense of self-worth. In fact, the
as well as learn the eight components of Warrior Way’s character
core philosophy of Warrior Way’s youth programs is non-violence,
development program.
CONTINUED >
CityLifestyle.com/WestBloomfield
13
HE ALTH Y LIFEST Y LE (CONTINUED)
+ Warrior Way Youth: If students select the Muay Thai Kickboxing focus, which is only intended for students who have achieved a rank of red belt or higher in Warrior Way Kids or are 11 or older, the class will focus primarily on technique and basics taught in Warrior Way’s Muay Thai curriculum; if students select Gracie Brazilian Jiu-Jitsu, which is also for those who have achieved a red belt or higher in Warrior Way Kids or are 11 or older, the class will focus primarily on the techniques and basics taught in Warrior Way’s Brazilian Jiu-Jitsu curriculum. “Unlike other programs where you have to pay to test into the next level, this is an all-inclusive belt program,” Fracassi-McDaniel said. “If they’re ready, they move on.” Another difference between Warrior Way and other martial arts programs is that although they do have a lot of teenagers who help instruct the classes, there is always a full-time instructor (several of which are Black Belts) also there, watching and giving feedback versus leaving the teen to instruct the younger ones alone. “A huge part of our program is mentorship,” Fracassi-McDaniel said. “We help them become mentors as we are right there to teach them how to talk to kids and how to talk to people in general. We actually get emails from former students years later, letting us know what they’ve learned from us.” 14
West Bloomfield Lifestyle | July 2020
Warrior Way accepts new students year-round, and since its program has been developed with new students in mind, students can join a youth class any time throughout the year. Fracassi-McDaniel said he encourages students to continue their training over the summer, so, just like school, there is no summer learning loss or gap of knowledge. Almost every school and instructor in the state can trace their training in Brazilian Jiu-Jitsu back to Warrior Way as Berman, with over 20 years of experience, has worked hard to help grow the sport in Michigan. Also, in 2003, Warrior Way added the skills of World Champion Muay Thai Kickboxer Matee Jedeepitak to its already-impressive staff of instructors. As a professional fighter, Jedeepitak held two of the most prestigious titles in his homeland of Thailand: the Lumpinee and World Muay Thai Council championships. As an instructor at Warrior Way, he uses his life-long experience to help students, including the youth, perfect the traditional style of Muay Thai Kickboxing. Based on reality, Warrior Way provides people of all ages and physical abilities with a realistic form of self-defense that anyone can learn. As a way of honoring those who protect the community, Warrior Way also works closely with the local law enforcement to help keep those in uniform safe while on duty. For more information, call (248)-960-4884 or visit warriorway.com.
CityLifestyle.com/WestBloomfield
15
OPEN HOUSE
PLANNING TO SELL YO U R HOME? BRITTANY LINVILLE OF METROPOLITAN REAL ESTATE GROUP PROVIDES FOUR WAYS TO PREPARE FOR LISTING YOUR HOME.
ARTICLE BRITTANY LINVILLE | PHOTOGRAPHY AMANDA PAIGE PHOTOGRAPHY (AMANDAPAIGEPHOTOGRAPHYMI.COM)
16
West Bloomfield Lifestyle | July 2020
THIS SUMMER, WHILE FACE MASKS AND SOCIAL DISTANCING HAVE TURNED OUR WORLD UPSIDE DOWN, THE REAL ESTATE INDUSTRY APPEARS TO BE STRONGER THAN EVER. Mortgage rates are at historical lows, allowing first-time and seasoned buyers to hit the ground running in search of their perfect home. And when we say buyers, we mean LOTS of them. With the statewide Stay-At-Home order putting a delay on the spring market and in-person showings (which were allowed again May 7), buyers are feeling the pressure to send in their offers quickly for the limited inventory of homes available for sale. Sellers are benefiting from this supply and demand ratio while prices seem to be holding steady– or going to bidding wars in some cases. The good ones are going fast, which is why sellers should make their best efforts to have their home stand out above the rest. Buyers are looking for HGTV-inspired homes or the finished product...not the fixer-upper. Today’s buyers have bigger issues to worry about. They want to feel comfortable and safe in a home without thinking about a laundry list of projects to be done at the house before they even get settled. I have worked with buyers and sellers all over metro Detroit, and one thing they all want is a smooth transaction. That’s what I’m here for! I have a background in Communications and PR, so I do my best to take the guesswork out of the home buying and selling process. I am always there for my clients, helping them make informed decisions. I want my clients to refer me to friends and family and call me back years later when they are ready to sell because they had a great and memorable experience. Real estate negotiation expert Brittany Linville can be reached at (734)-765-2612 or brittanylinville@MetroRG.com.
CONTINUED >
CityLifestyle.com/WestBloomfield
17
OPEN HOUSE (CONTINUED)
FOUR WAYS TO PREPARE FOR LISTING YOUR HOME 1. HIRE A PHOTOGRAPHER. Pictures are worth a thousand words, so let’s make it a positive dialogue! Cell phone photos are nothing compared to the wide angle shots and correct lighting that a photographer brings to a shoot. Plus, aerial photos and 3D Tours are critical in this new market when buyers may want to limit their time doing in-home showings for health reasons. 2. CREATE CURB APPEAL. Draw people to the door by making them fall in love at the street. Cut the lawn, pull weeds, trim hedges and freshen up with low-maintenance flowers and perennial shrubs. Power wash brick and siding to give your home an even look. Summer is prime time to show off your home’s true beauty! 3. DO A PRE-LISTING INSPECTION. Tackle little problems before buyers notice and get scared off. If larger issues are discovered, you can get quotes from local contractors and adjust the price to reflect the necessary repairs. 4. MAKE YOUR HOME AVAILABLE. You can’t sell it if people can’t get in (or at least virtually tour it)! Buyers may have a very different schedule than you. Make your best effort to approve every showing and give buyers privacy during their scheduled time.
18
West Bloomfield Lifestyle | July 2020
CityLifestyle.com/WestBloomfield
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West Bloomfield Lifestyle | July 2020
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LOCALLY OWNED
Farmhouse
ARTICLE DANIELLE ALEXANDER PHOTOGRAPHY NICOLE WAUGH
Coffee WITH MY DAUGHTER LACTOSE INTOLERANT AND HUSBAND ON A GLUTEN-FREE DIET, FINDING PLACES TO
FARMHOUSE COFFEE AND ICE CREAM MAKES EVERYONE FEEL WELCOME AND SATISFIED.
22
West Bloomfield Lifestyle | July 2020
DINE WITH MENU ITEMS WE CAN ALL INDULGE IN IS NOT AN EASY FEAT– LET ALONE ONE WITH ICE CREAM AND BOARD GAMES! We discovered Farmhouse Coffee and Ice Cream when they relocated from Franklin to Farmington Hills last year and have been regulars ever since.
CONTINUED >
CityLifestyle.com/WestBloomfield
23
LOCALLY OWNED (CONTINUED)
“We’ve always wanted it to be a place where everyone feels welcome and can find something they enjoy,” owner Deanna Yow said about her family-owned coffee shop that is located at 29936 W. 12 Mile Road in Farmington Hills.
Not only is coffee in her blood, but it’s always been
When you approach the register and take a look at
something she’s been interested in, spending years
the menu, it’s clear the Yow family has made the con-
in the coffee industry, as well in coffee shops. So, it
scious decision to source locally as much as they can:
came as no surprise to her that her daughters fol-
+ 20 flavors of premium hand-scooped ice cream
lowed suit. In fact, her daughter, Amanda, is the one
sourced from Michigan’s favorite local dairies, includ-
who encouraged the family to take over Farmhouse.
ing Guernsey Farms and Ashby’s Sterling Ice Cream,
“All of us really love what a coffee shop means
as well as no-sugar-added and vegan options, all of
for a community: the atmosphere, coming together
which can be served on a gluten-free cone
and meeting over a cup of coffee,” Yow said. “And
+ Breakfast and lunch items that are made fresh from
that’s what Grandma was all about. She wouldn’t
various Michigan sources and are available all day
go across town to the big grocery where she didn’t
+ Freshly-delivered pastries such as bagels, muffins,
know anybody but, instead, supported the local
cookies, gluten-free macaroons and more from vari-
businesses and people. We want our shop to be the
ous local specialty bakeries
happiest place on earth.”
+ “Coffee-less” drinks like teas, tea lattes, French
The Yow family gives back to the community by
sodas, steamers, lemonade, five flavors of hot choco-
sponsoring both local sports teams and other local
late and real fruit smoothies
groups. Additionally, they’ve employed over 70 people
+ And, of course, the coffee, which is made using
over the years, many of whom have never held a job
Farmhouse’s own proprietary brand beans
before and some even new to the country.
“All of us really love what a coffee shop means for a community: the atmosphere, coming together and meeting over a cup of coffee.” “I worked with our roasters for 1.5 years to develop our
“The City of Farmington Hills has been super sup-
brand of house coffee and told them we only want the
portive since we moved over here, and people from
highest quality beans from small farms,” Yow explained.
Franklin are still coming in, saying they miss us,” Yow
“We have our house blend all the time and also decaf, as
said. “We miss them, too, but we’re happy here.”
well, which is actually pretty rare. And then we also offer a rotating blend that follows the harvest.”
Farmhouse Coffee & Ice Cream is located across the street from what will soon be “The Hawk” recreation
Local artists’ work hanging on the walls is
center (formerly Harrison High School). For more infor-
eye-catching; however, the old coffee pot right above
mation about “the place for everyone to enjoy Cups,
the shop’s creamer station is definitely noteworthy.
Cones, & A Little Piece of Home” or to view the shop’s
“That was actually my grandmother’s coffee pot,
menu, visit farmhousecoffeeandicecream.com.
and the reason that and her photo is on the wall is
Please note that if the coronavirus pandemic con-
because she started me on coffee at a young age,”
tinues or you’re feeling unsafe to dine indoors, there
Yow explained.
is outdoor seating available in the rear of the building. It’s covered, protected from cars in the parking lot and large enough to maintain social distancing from other customers.
24
West Bloomfield Lifestyle | July 2020
CityLifestyle.com/WestBloomfield
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FINANCIAL BUZZ
W EAL TH BUI LD IN G STRATEG IES ARTICLE PREPARED FOR JOSEPH DALLO | PHOTOGRAPHY COURTESY OF JOSEPH DALLO
JOSEPH DALLO OF DALLO FINANCIAL PROVIDES THREE STEPS PARENTS CAN TAKE IN SEEKING TO BUILD WEALTH WHILE RAISING A FAMILY.
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West Bloomfield Lifestyle | July 2020
RAISING A FAMILY IS REWARDING — AND EXPEN-
tax-deferred, and if used for qualified educational
SIVE. Consider taking these steps to support your
purposes, withdrawals are tax-free. Your employer
family financially through a program of smart invest-
may offer tax-advantaged benefits like cafeteria plans.
ing. Building a career and raising a family requires
As your wealth grows, consider if it’s appropriate
management skills. Juggling your time, priorities and
to allocate money into investment vehicles like tax-
money now while planning for the future can be daunt-
free municipal bonds*, Treasury Inflation-Protected
ing. Saving now to send your kids to college, take care
Securities, whole life insurance, Real Estate Investment
of your parents as they age and pursuing a comfortable
Trusts (REITs) and qualified annuities, to name a few.
retirement can be challenging. For further information on this topic or other financial ad1. SAVINGS ALONE MAY NOT BE ENOUGH.
vice needs, call (248)-914-8146 or visit dallofinancial.com.
Saving part of your monthly income is the first step toward building wealth, but with current interest and inflation rates, saving may not be able to do the job on its
Securities offered through LPL Financial, Member FINRA/SIPC.
own. After putting aside enough cash for an emergency
*Interest income may be subject to the alternative min-
fund, you may want to consider investing in a diversified
imum tax. Municipal bonds are federally tax free but other
set of investments such as stocks, bonds, mutual funds,
state and local taxes may apply.
real estate and more. I can show you how to match
There is no guarantee that a diversified portfolio will
your investment portfolio to your tolerance for risk, your
enhance overall returns or outperform a non-diversified port-
age, your goals and your income to help you build your
folio. Diversification does not protect against market risks.
wealth. Start with building your retirement nest egg.
Qualified accounts such as 401(k)s and traditional
Most often, parents put their children’s future first by
IRAs are accounts funded with tax deductible contri-
building a college fund. While this is certainly important,
butions in which any earnings are tax deferred until
preparing for retirement should take precedence. Your
withdrawn, usually after retirement age. Unless cer-
children have options that you don’t. Your kids can use
tain criteria are met, IRS penalties and income taxes
a combination of savings, loans and scholarships to
may apply on any withdrawals taken prior to age 59½.
attend college. You must live on Social Security and the
RMDs (required minimum distributions) must gener-
wealth you’ve accumulated. The last thing you want is to
ally be taken by the account holder within the year
depend on your children’s financial support when they
after turning 70½ .
begin working and you stop.
Prior to investing in a 529 Plan investors should consider whether the investor’s or designated beneficiary’s
2. USE THE TAX CODE TO HELP BUILD WEALTH.
home state offers any state tax or other state benefits
If you’re covered by a qualified employer retirement
such as financial aid, scholarship funds and protection
plan, not only should you consider making the largest
from creditors that are only available for investments in
contributions you can afford, but you should also make
such state’s qualified tuition program. Withdrawals used
sure the money is invested in assets with the potential
for qualified expenses are federally tax free. Tax treat-
to provide long-term growth. If you are self-employed or
ment at the state level may vary.
not covered at work, consider an Individual Retirement
This material was prepared for Joseph Dallo and does
Account (IRA) and/or Self-Employed 401(k), preferably
not necessarily represent the views of the presenting
self-directed ones, to hold your investment portfolio. Not
party, nor their affiliates. This information has been
only are contributions tax-deductible each year (subject
derived from sources believed to be accurate. Please
to income and contribution limits), but all of your earn-
note– investing involves risk, and past performance is no
ings are tax-deferred until you start making withdrawals.
guarantee of future results. The publisher is not engaged
You can delay withdrawals until age 70, giving you many
in rendering legal, accounting or other professional ser-
years of tax-deferred growth potential.
vices. If assistance is needed, the reader is advised to engage the services of a competent professional. This
3. TAKE ADVANTAGE OF OTHER TAX BREAKS. While contributions to a 529 education savings plan are not deductible from your taxes, growth is
information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty.
CityLifestyle.com/WestBloomfield
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AMERICAN AUTHOR JHUMPA LAHIRI ONCE SAID, “THAT’S THE THING ABOUT BOOKS. They let you travel without moving your feet.” After the coronavirus outbreak this spring, many in the community are feeling more comfortable staying home this summer but longing for a temporary escape. If you’re finding yourself in this situation, the staff at the West Bloomfield Township Public Library has the perfect cure: books. According to Main Library Branch Manager Jeff Crocker and his colleagues, reading about new settings is beneficial because it offers people a break from their own setting. “New settings can be entertaining, informative, uplifting, thought-provoking and inspiring,” Crocker said in an email back in May. “Sometimes you end up in the shoes of someone else, so you are able to see things from a different perspective than your own.” Crocker and his colleagues shared three reading recommendations for each age group: adult, teen and youth. All three of the following books take place in different settings, allowing readers to temporarily “step out” of West Bloomfield and into somewhere new.
WB TOWNSHIP PUBLIC LIBRARY STAFF RECOMMENDS THREE BOOKS THAT WILL TAKE YOU ON A LITTLE ESCAPE.
travel without moving
PAGE TURNERS
West Bloomfield Lifestyle | July 2020
ARTICLE DANIELLE ALEXANDER
»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»
THE GLASS HOTEL Written by Station Eleven and former Great Michigan Reads author Emily St. John Mandel, The Glass Hotel is a great novel for adults looking for a compelling, character-driven story that takes them to locales around the world, including campgrounds for the near-homeless, underground electronica clubs, the business of
DESTINATION Vancouver Island, off Canada’s Pacific Coast
international shipping, service in luxury hotels and life in federal prison.
READY PLAYER ONE For the teens, Ready Player One by Ernest Cline is a fun read because of its unique and futuristic setting. It mostly takes place in virtual reality and contains a ton of 80s references. It is fast-paced, and the movie is exciting, too.
DESTINATION A virtual universe called the OASIS, which is accessed with a visor and haptic gloves
THE DOUGHNUT FIX Those in third grade and up will love Jesse Janowitz’s book The Doughnut Fix. It’s about a boy who must adapt to change in his day-to-day
DESTINATION
life. 11-year-old Tristan is put into a tough situation
The very small town
when he moves from the big city to a small town
of Petersville in
where he has to make do without the creature
upstate New York
comforts he’s accustomed to.
CityLifestyle.com/WestBloomfield
29
YOU R TR USTE D R E AL E STATE PR O FE SSI O N ALS ON YOUR SIDE, AT YOUR SIDE, EVERY STEP OF THE WAY.
Due to COVID-19, we are offering many virtual home buying and selling services. We also specialize in Probate, Seniors, and Divorce real estate sales. Call us to learn more.
248.985.7084
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(248) 747-4466 » epoxyfloorscoating.com » epoxyfloorscoating@gmail.com
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West Bloomfield Lifestyle | July 2020
Life insurance from a real-life person. Tim Peacock, Agent 123 E Walled Lake Drive Walled Lake, MI 48390 Bus: 248-438-6535 tim.peacock.yxlv@statefarm.com
Get life insurance that comes with someone local (me). I’m here to help you protect your family’s financial future. LET’S TALK TODAY.
State Farm Life Insurance Company (Not licensed in MA, NY or WI) State Farm Life and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL 1708148
now offering meal deals
F O R Y O U A N D Y O U R F A M I LY Available for Delivery on Door Dash, Grub Hub and Uber Eats.
DINE-IN NOW OPEN Order In-Store, Call Ahead or Download the Freshii Orders App. Also Available at the Downtown Royal Oak Location.
6925 Orchard Lake Road
248.406.6099 | f reshii.com CityLifestyle.com/WestBloomfield
31
CULINARY CREATIONS
beat the summer heat ARTICLE NICOLETTE MARTIN
COOL OFF THIS SEASON WITH CHILLING ICE POPS + NO-BAKE SWEET TREATS
AS THE WEATHER STARTS HEATING UP, WE’RE ALL ABOUT COOLING DOWN. And what’s more refreshing than ice pops filled with your favorite fresh fruit? Don’t get in a rut—here are some options that you can enjoy all summer long. Don’t be afraid to try your own! Simply freeze your favorite fruit juice and chunks of fruit in popsicle molds and enjoy. Here are some of our favorites.
frozen fruit pops 32
West Bloomfield Lifestyle | July 2020
P E AC H Y K E E N . + Combine simply peach juice
no-bake icebox cake
and sliced peaches TEA TIME: Change it up by using sweet tea and peach juice as your base and some ginger ale for a little fizz or add some lemonade for a tart twist!
S T R AW - B R R -Y. + Puree strawberries with your favorite fruit juice LIME IT UP: Combine pureed strawberries with homemade limeade (water, limes + simple syrup) for a frozen twist on a summer classic.
H 2 0 M E LO N . + Combine watermelon, cucumber and lime HYDRATION STATION: Did you know watermelon and cucumber are two of the most hydrating fruits + veggies? Load it up!
INGREDIENTS + 3 cups heavy cream, cold
+ Cookie crumbles, pre-made
+ 1/2 cup powdered sugar
cake, chocolate candies, crushed
+ 1 tsp. vanilla extract
graham crackers and anything else
+ Chocolate ice cream
you want to layer your cake with
1. In a large bowl, beat heavy cream, sugar and vanilla with a hand mixer until stiff peaks form in the mixture. 2. Start with a thin layer of whipped cream on the bottom of a springform pan (determine the size by how large or small you want your icebox cake to be). Then top with an even layer of chocolate (or your favorite kind of ice cream). 3. For the next layer, top with an even layer of cookie crumbles, cake crumbles, chocolate candies, crushed graham crackers or anything else you want to layer your cake with. 4. Continue with layers of whipped cream, ice cream and toppings until you have reached the top of your pan. 5. Refrigerate at least 4 hours, top with more cookie crumbles or chocolate sauce, slice and enjoy!
CityLifestyle.com/WestBloomfield 33
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Does your child need help with...
College Application Essays? ACT Reading? ACT English? SAT Reading? SAT Writing and Language?
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West Bloomfield Lifestyle | July 2020
Contact Danielle Alexander today! danielle.alexander@edify-llc.com
(248)-860-4183
CityLifestyle.com/WestBloomfield 35
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