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ATLANTA GEORGIA | VOL. 2

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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FEATURES 3

Luxury Living

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Senior Living

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Destination Vacations

CO NTE NT S

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22 Local Event Guide 31

Saving For Retirement

35 Investing For The Future 36 Travel In Style 38

Recommended Service Directory

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OPEN FLOOR PLANS

A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.

An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the home’s individual, luxurious features, like a grand entryway or a beautifully designed staircase.

OUTDOOR KITCHENS If opulence and luxury are key, then a standard, fully-stocked kitchen is simply no longer enough. One may consider adding a cozy outdoor living area complete with outdoor kitchen, featuring built-in gas grills and refrigerated food and drink storage. Some other top amenities include expansive outdoor pools with water features such as waterfalls, hot tubs, changing cabanas, and saunas.

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WINE CELLARS Exquisite wine storage is another amenity that most affluent homes contain. Private wine cellars built using materials such as glass and wood and are often thought to be works of art themselves. When considering one of these beauties, many factors come into play. One will want to consider the placement, temperature, humidity control, and of course bottle size accommodations.

LOCATION IS EVERYTHING When it comes to luxury home ownership, nothing beats a great location. Everyone desires their own slice of blissful paradise. One of the most important aspects to consider are privacy features such as bushes, hedges, trees or walls. The right landscape design features provide a concealed oasis, where one can relax and wind down. Picture yourself in a secluded ranch or gated beachfront enclave!

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GAME ROOMS Game rooms or entertainment rooms are an old idea, but still on top of the list of luxury living ideas. Some would argue a luxury home is not complete without an in-home theatre or game room. The boundaries continue to be expanded with extra amenities such as indoor basketball courts, lavish sports bar set-ups, exquisite billiard areas, additional televisions and beverage storage.

IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of “Smart Homes,� and along with it, smart devices. When it comes to technology, most

luxury builders cater to this tech-trend and offer amenities to help with just about all facets of home management. Some things you can do at the touch of a button or smartphone are control indoor climate, window and door security, and lighting. Additionally, an integrated smart home provides the owner with remote access cameras and security systems.

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DRESSING ROOMS A dressing room is simply an extension of the master bedroom. This feature is commonly a top priority for the wealthy, as it functions as a place to both store and display lavish items such as purses, shoes, hats, and jewelry. There is an increasing demand among the jet-set crowd for larger and more lavish closet designs. Typical setups include cedar shelving, storage chests, ample lighting, and mirrors for cosmetics or modeling outfits.

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RETIRE WITHOUT CHANGING YOUR LIFESTYLE

Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:

Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 10

Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance. (. . .continued on page 12)



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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents. Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 12

allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!



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TRENDING LOCATIONS FOR A GREAT VACATION

EXCITING TRAVEL

Destinations If you are looking for some exciting and awe inspiring travel destinations, consider the following destinations.

1. Sweden, a Scandinavian nation in Europe, offers some wonderful natural experiences and places to visit. Enjoy hiking in vast boreal forests and witness an all-white wild moose. Most principal cities, including Stockholm, are all coastal and offer breathtaking views of the towns and waterfront areas. There are historic medieval towns, an abundance of bridges, royal palaces, and museums to visit. Another sight you will not want to miss are the Northern Lights in Lapland. 2. Tenerife, Spain is the largest of the Canary Islands, which is dominated by Spain’s tallest peak, and dormant volcano, Mt. Teide. Enjoy parades, music, dancing, and a variety of colorful costumes at the Carnaval de Santa Cruz. The island hosts many beaches, some featuring black sand, resort areas to enjoy your stay, high-end restaurants, night clubs, golf courses, and water based sports.

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3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the world’s only stadium built in its entirety of marble. This site is home to the first modern

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Olympics in 1896, where it held a whopping 80,000 people. Aside from the numerous archeologic areas, Greece also has wonderful beaches, hotels, bars, restaurants, tours, ferries, and charters. 4. France, known for its exquisite cuisine, is also home to famous fashion houses, many classical art museums including the Louvre, and monuments such as the Eiffel Tower, the Seine, Notre-Dame cathedral, Arc de Triomphe, and the Palace of Versailles. There are also magnificent parks, great music, ancient cave drawings, and renowned wine tasting sites.


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LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

SEPTEMBER

SEPT 1 - 30 | JAPANFEST This year’s event will take place online from June 1 - September 30, 2020. With vendors featuring Japanese food, Japanese goods, and more, together with performers and workshops, it is an online event celebrating the rich, multi-layered culture of Japan. For more info visit: Japanfest.org SEPT 17 - 27 | FILM FESTIVAL The Atlanta Film Festival is one of the largest and longest-running film festivals in the country. It showcases a variety of genres, among them documentaries, narratives, foreign films, experimental film, animation and local production. Come join us for this 7 day film spectacular! For more info visit: atlantafilmfestival.com

OCTOBER

OCT 1 - 3 | BLACK THEATRE FEST The Atlanta Black Theatre Festival is a world class self-producing platform for playwrights and artists from all over the world to showcase 22

their work in Atlanta! The program will include live performances, shopping, reader’s theatre series, creative conference, and nightly celebrations! All who enjoy theatre and the arts are welcome to join in the celebration! For more info visit: atlantabtf.org OCT 9 | JAZZ ON THE LAWN Callanwolde Fine Arts Center is excited to bring back our outdoor concert series Jazz on the Lawn. Jazz on the Lawn is a great way to spend time with friends, unwind, and listen to an evening of live music. Guests are invited to bring a blanket and a picnic and enjoy these concerts surrounded by the natural beauty of the Callanwolde Estate! For more info visit: https://bit.ly/3iCnbNV

NOVEMBER

NOV 7 - 8 | ARTS & CRAFTS FEST The award-winning festival will be held in Atlanta’s beautiful Chastain Park featuring two days of art and activities sure to delight the entire family. Visitors will attend this event (. . .continued on page 24)


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LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 22) with up to 200 displays of fine art and crafts, folk and “outsider art.” In addition to the abundance of unique art, local gourmet food, beverages and a small stage for acoustic musical performances. Best of all, it’s entirely free! For more info visit: chastainparkartsfestival.com NOV 14 | ACWORTH BEER & WINE FESTIVAL The annual Historic Downtown Acworth Beer & Wine Festival will take place on Saturday on Senator Russell Avenue. Come out and join us and enjoy over 100 craft beers, wine, live music, great food, and TONS of fun! For more info visit: acworthbeerwinefest.com

DECEMBER

DEC 5 | CHRISTMAS PARADE With floats, giant helium-filled balloons and marching bands, the Children’s Christmas Parade is the largest holiday parade in the Southeast. Spectators will be lined up along the streets eagerly awaiting the arrival of Santa and the official beginning of the holiday For more info visit: https://bit.ly/2FwC9qa 24

Dec 5 - 30 | THE NUTCRACKER Scored by the iconic music of Tchaikovsky, this show is a wondrous adventure that has thrilled audiences the world over for over one hundred years. The story follows young Marya as she’s led through magical lands by her Nutcracker doll, which has sprung magically to life. For more info visit: https://bit.ly/2GZYv40 DEC 31 | NEW BEER’S EVE All inclusive party with appetizer buffet, well liquor, house wine and over 40 beer choices. Come celebrate the new year with a beer! For more info visit: https://bit.ly/33DeHQk

JANUARY

JAN 20 - 24 | CATHEDRAL ANTIQUES SHOW This event offers attendees first choice of fine period furniture, art, jewelry and accessories and a viewing of the beautiful Flower Festival. Enjoy wine and delicious food and stroll the Cathedral, known for its fabulous architecture and adorned (. . .continued on page 25)


LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 24) in a floral display. For more info visit: cathedralantiques.org JAN 23 | CITY WINERY FESTVIAL Over 50 wines to sample as well as mimosas, a small beer & cider selection, and live music. No better way to spend a day than with a few glasses of wine. Come join us! For more info visit: https://bit.ly/3c2drKB

FEBRUARY

FEB 7 - 9 | CALLANWOLDE ARTIST MARKET A unique winter indoor art festival at Callanwolde Fine Arts Center in the heart of Atlanta. The Market

features over 70 artists working in a variety of media. Artists will have display spaces throughout the 1920 Callanwolde mansion. For more info visit: https://bit.ly/3iAN9l7 Feb 13 | MARDI GRAS STREETCAR ADVENTURE Spend an afternoon of adventure and exploration in Downtown Atlanta & the Old Fourth Ward using the Atlanta Streetcar. Your adventure includes exclusive New Orleans themed food & drink specials, complementary drinks & shots, live New Orleans street band, post event party, beads & more! For more info visit: https://bit.ly/33qbuDD

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LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 25) Feb 20 | BEER BOURBON & BBQ FESTIVAL Enjoy all those pleasures that true Southerners live by – Beer, Bourbon, Barbeque, Boots, Bacon, Biscuits, Bluegrass and Smoked Beasts! It’s a great day of beer sippin’, bourbon tastin’, music listenin’, cigar smokin’, and barbeque eatin’. For more info visit: atlanta.beerandbourbon.com

MARCH

MARCH 13 | ST. PATRICK’S PARADE Atlanta’s St. Patrick’s Day parade dates back to 1858, making it one of the country’s oldest. Participation in the parade is not just an “Irish thing”. The parade attracts individuals and groups from around the city and the South including clowns, floats, bands, Bagpipe & Drum Corps, children, dancers, drill teams, and more! For more info visit: atlantastpats.com MARCH 30 - 31 | FIDDLER ON THE ROOF A landmark show born of the Golden Age of American musicals, Fiddler is a boisterous, heartfelt tale of 26

love and acceptance set in a Russia on the edge of revolution. It finds Tevye and the family learning to leave behind their old lives and start a new one full of hope and laughter! For more info visit: https://bit.ly/33OroYX

APRIL

APRIL 9 - 11 | DOGWOOD FEST The Atlanta Dogwood Festival is Atlanta’s annual celebration of the blooming of its native dogwood trees. The Dogwood arts festival has filled Midtown Atlanta’s Piedmont Park with live music, arts and crafts, food booths and family-friendly activities. For more info visit: dogwood.org APRIL 24 - 25 | INMAN PARK FEST Inman Park Festival highlights include a street market featuring local art, the Inman Park Tour of Homes showcasing the stunning Victorian homes of the late 1800s, a 5k run where participants are encouraged to come in costume and the famed Inman Park Festival parade of eclectic fun. For more info visit: inmanparkfestival.org (. . .continued on page 28)


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LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 26) April 30 | TITLEHERE With more than 60 bands each year Shaky Knees is a rock-lover’s dream. While enjoying live music explore food from all over. From good ol’ southern BBQ to vegetarian friendly corn dogs, the food trucks at Shaky Knees have something for even the pickiest eater. For more info visit: shakykneesfestival.com

MAY

MAY 1 - 31 | RENAISSANCE FEST The Georgia Renaissance Festival brings a 16th-century European country fair to the Atlanta area. The renaissance festival offers visitors a variety of activities from jousting tournaments to glass-blowing demonstrations to sword-swallowing shows. For more info visit: garenfest.com MAY 9 | SWEET AUBURN SPRING FEST Sweet Auburn Springfest is the largest free outdoor festival in the Southeast. The Sweet Auburn spring festival offers a great mix of live music, food and fun for the whole family. Come celebrate 28

spring with us! For more info visit: sweetauburn.com MAY 29 - 30 ATES | JAZZ FEST Don’t miss the fun and excitement at the annual Atlanta Jazz Festival. The festival showcases local and national jazz greats, a neighborhood jazz series, youth jazz band competition, a kids zone and many other family-friendly activities. For more info visit: atlantafestivals.com

JUNE

June TBA | FLYING COLORS BUTTERFLY FESTIVAL The Flying Colors Butterfly Festival delights everyone all weekend at the Chattahoochee Nature Center with a myriad of butterfly and pollinator related events focused on these beautiful winged creatures. Join us for this very important fundraising event for the Chattahoochee Nature Center! For more info visit: https://bit.ly/3kfYNCi JUNE 12 | CARIBBEAN MUSIC AND FOOD FESTIVAL As you enter the festival village (. . .continued on page 30)


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LOCAL EVENTS GUIDE

ATLANTA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 28) you will be greeted by cultural stilt dancers and sounds of the Caribbean as steel pan bands play.This event features musical performances and other art forms indigenous to the Caribbean as well as delectable Caribbean cuisines and art showcases throughout the village, a true cultural experience along with beach activities for the entire family. For more info visit: https://bit.ly/2Ry2iYk JUNE 18 - 21 | JUNETEENTH PARADE AND MUSIC FESTIVAL Annual festival celebrating African-American Emancipation, with live music, arts, performances and a parade.For more info visit: juneteenthatl.com

JULY

JULY 4 | RED, WHITE & BREW Celebrate Independence Day at Georgia Aquarium on Saturday, July 4 with unlimited beer and cider samples, a buffet dinner, live music and over 500 aquatic species! For more info visit: https://bit.ly/35Gf6Er

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JULY 17 - 18 | BUTTERNUT CREEK FESTIVAL The Butternut Creek Festival is one of the finest juried arts and crafts shows in the southeast. The festival showcases the work of 70 to 75 artists and craftsman For more info visit: butternutcreekfestival.com

AUGUST

AUG TBA | BRONZELENS FILM FESTIVAL The BronzeLens Film Festival of Atlanta, Georgia dedicated to bringing national and worldwide attention to Atlanta as a center for film and film production for people of color. For more info visit: bronzelens.com AUG TBA | BBQ BLUES AND BLUEGRASS FESTIVAL The Decatur BBQ Blues & Bluegrass festival will bring the sights, sounds, and smells of classic southern BBQ from metro Atlanta staples along with 7+ hours of original live blues and bluegrass music.This is a family friendly event that is fun for all ages! For more info visit: decaturbbqfestival.com



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10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. •

Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less.

Do a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point.

Don’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.

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Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account. •

Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 33


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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot • Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.) • Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month.

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Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html


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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things. Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load. If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially

extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs. Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market. 35


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Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 36


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To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag. Roll all items tightly! It saves space, and keeps everything from wrinkling. I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive. Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

TRAVEL WARDROBE Underwear 6 undergarments 6 pairs of socks Pajamas (your choice) Outerwear 2 tee shirts 2 button down shirts (one dressy, one casual) 2 pairs of pants (one jean, one black trouser) 1 pair of shorts 2 jackets (one leather, one raincoat) 1 cashmere sweater (pullover or cardigan) 1 bathing suit 1 basic black blazer (can be worn day or night) Accessories Scarves (colorful, lightweight) Belts (at least one black) Jewelry (a few pop pieces) 1 tie (traditional or bow tie) Shoes One heel or dress shoe One pair of flats (for day or night) One pair of sandals

Feel good, and look even better! Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down. Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years. Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe. Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years. 37


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FINANCIAL PLANNING The Piedmont Group .............................................27

CEMETERY Dignity Memorial ........................................................7

FUNERAL HOME Dignity Memorial ........................................................7

CONSTRUCTION COMPANY Parker Young Construction.................................25

GUTTER COVERS Gutter Solutions Plus ..............................................15

CPAS AFM CPA’s and Advisors ......................................29

GUTTERS Gutter Solutions Plus ..............................................15

DISASTER REPAIR SPECIALISTS Parker Young Construction.................................25

HEALTH INSURANCE & MEDICARE Jones Health and Benefits .....................................2

ELDER LAW Swain Law Firm .........................................................17

HOME BUILDER Piedmont Residential ............................................27

EMPLOYER BENEFITS Jones Health and Benefits .....................................2

HOME CARE Assisting Hands Home Care ................................15

ESTATE & PROBATE ADMINISTRATION Consilium Financial Group, CES ..................20-21

HOME HEALTH CASE MANAGEMENT Legacy Link................................................................29

ESTATE PLANNING & PROBATE Swain Law Firm .........................................................17

ICE CREAM Daddy O’Briend’s Irish Ice Cream Pub ...........27

FINANCIAL ADVISOR Jennifer Perri - Swan Financial Advisors LLC ......... Front Cover, Back Inside Cover Marc S Daner - Wells Fargo Advisors ..............31

INSURANCE The Sanford group..................................................29

38


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RECOMMENDED SERVICE DIRECTORY

INTERGENERATIONAL FINANCIAL PLANNER Green Financial Resources .................................... 9 INTERIOR DESIGN Creative Blinds & Décor LLC ...............................23 INVESTMENT ADVISOR Patton Alberton & Miller ..........................................5 The Piedmont Group .............................................27 LIFE INSURANCE Affordable Medicare Solutions...........................13 Essential Solutions ...................................Back Cover MEDICARE Affordable Medicare Solutions...........................13 Essential Solutions ...................................Back Cover NON-PROFIT American Red Cross ..............................................39 RADON MITIGATION Elite Radon Team .................... Front Inside Cover, 1 RETIREMENT PLANNING Patton Albertson & Miller........................................5

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ROOFING Bennett Roofing .................................................18-19 SENIOR SUPPORT SERVICES Legacy Link................................................................29 TAX PREPARATION Deloyd Johnson - HLM Financial Group .........17 WINDOW TREATMENTS Creative Blinds & Décor LLC ...............................23 WEALTH MANAGEMENT Patton Albertson & Miller........................................5




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