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SAN DIEGO CALIFORNIA | VOL. 2

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 2

Senior Living

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Luxury Living

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Destination Vacations

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Local Event Guide

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23 Saving For Retirement

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26 Travel In Style 28

Recommended Service Directory

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SAN DIEGO | CALIFORNIA | VOL . 2

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. 2

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 4)



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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 4

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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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 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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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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SAN DIEGO | CALIFORNIA | VOL . 2

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 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. Paris, 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

SAN DIEGO 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.

JULY

JULY 11-12 | SMOOTH JAZZ FEST The San Diego Smooth Jazz Festival unites music lovers from around the world at the picturesque site of Embarcadero Marina Park North in the San Diego Marina. This annual event combines the soothing sounds of smooth jazz, a variety of delicious cuisine, and an amazing atmosphere that creates an unparalleled experience. For more info visit: https://bit.ly/2D7pvxb

AUGUST AUG 29 | STREET FOOD & CRAFTS ON THE BAY Enjoy the sights and sounds of beautiful San Diego Bay while browsing crafts and having delicious coffee & street food at Ruocco Park Market. The delicious variety of food on offer includes Spanish paella, Mexian, Kettle Corn, Vegan food, BBQ, dessert dumplings, freshly made hot churros, dessert bao, and much more! For more info visit: sandiegofoodmarkets.com

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AUG 29 | LATIN MUSIC FESTIVAL Come join us for this fundraiser benefiting The House of Music. This year’s festival will be honoring the music of the queen of salsa, Celia Cruz. We will have cocktails and craft beers available as well as various cultural foods from our local San Diego restaurants and food trucks. For more info visit: thehouseofmusic.org

SEPTEMBER

SEPT 11 - 12 | SPIRITS FESTIVAL It’s a Cocktail Extravaganza with twelve years of exhilarating entertainment! It’s beginning to look a lot like cocktails at the 12th San Diego Spirits Festival. We promise to open your eyes to new and unique cocktails, introduce you to great liquor purveyors and talented mixologists. For more info visit: sandiegospiritsfestival.com SEPT 20 | FIESTA MARGARITA & BEER RUN Do you love a margarita? beer? what about a run? This would be perfect for you! This run will take (. . .continued on page 18)


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LOCAL EVENTS GUIDE

SAN DIEGO 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 16) through various parks at our Beautiful bayfront in Chula Vista and is a flat fast route. The event will take place within our Fiesta Festival, Vendors, Food, Tacos, Beer, Tequila Shots, Kids Activities and more! For more info visit: https://bit.ly/39RR7Sy SEPT 17 - 27 | LATINO FILM FEST The San Diego Latino Film Festival is an 11 day celebration of Latino Cinema, Arts & Culture. The festival will present over 160 films from Latin America, the United States, and Spain as well as Opening Night and Closing Night Parties, the 5th Annual Sabor Latino – Food, Beer & Wine Festival, Q&A sessions with visiting filmmakers, free student screenings, and more. Audiences will have the rare opportunity to meet filmmakers and actors from all over the world. Stay tuned! For more info visit: sdlatinofilm.com

OCTOBER

OCT 10 | MULTICULTURAL FAIR & PARADE The Linda Vista Multi-Cultural Fair 18

& Parade is proud to celebrate San Diego’s rich diversity and share important resources with our neighbors - especially within the Linda Vista community. We’re bringing these resources and celebrations to your digital screens! For more info visit: lindavistafair.org OCT 25 | CHEESE EXPO Bringing together a curated list of San Diego’s top breweries, coffee roasters, distillers, kombucha and cider makers. This one day expo features unique one-off collaborations, educational presentations, demonstrations, and explorations with cheesemakers from across America and some of the best, local Liquid talents. For more info visit: https://bit.ly/2XoYjAL

NOVEMBER

NOV 7| TACOTOPIA Join us at Golden Hill Park for Reader Tacotopia: Tacos vs Burgers! At the end of the day, attendees will decide who will take home the Best Taco Award and the Best Burger


LOCAL EVENTS GUIDE

SAN DIEGO 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.

Award! The unlimited tastings, fullsized pours and margaritas available at the bar, live music, Lucha Libre wrestling, lawn games, and San Diego sun will make this our biggest and best event ever. For more info visit: Readertacotopia.com NOV 8 | WING FEST Celebrating the Chicken Wing! Enjoy the best wings from TOP WINGS VENDORS in San Diego all in one place. Wing eating contest, 3 hour craft beer and spirits sampling with VIP entry, DJ’s, live performance by San Diego’s local band The Visitors, vendors. Enjoy games, sauces and rubs sampling, and giveaways all on the broadway pier! For more info visit: https://bit.ly/33nhKxO NOV 8 - 15 | WINE & FOOD FEST Welcome to the San Diego Bay Wine + Food Festival, where sailboats and sandy beaches serve as the backdrop to one of the country’s most talked about weeks in food. Featuring dozens of events,

hundreds of domestic and international wineries, the celebration of craft beer and spirits, local culinary legends and nationally recognized celebrities, and a Grand Tasting Finale. For more info visit: sandiegowineclassic.com

DECEMBER

DEC 13 | HOLIDAY PET PARADE Your furry, feathered, or scaled friend gets the chance to strut its stuff at the 12th annual Gaslamp Holiday Pet Parade. The festivities start under the iconic Gaslamp Quarter Archway and feature prizes for the best pet, human, and group costumes in nine categories, as well as a pet expo.There’s also free live music, and registered guests get a complimentary goodie bag filled with unique keepsakes. For more info visit: https://bit.ly/30p0QwP DEC 26 | BALLOON PARADE The scenic, bayside streets of downtown San Diego will come alive with the Port of San Diego Holiday Bowl Parade. As always, this exciting

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LOCAL EVENTS GUIDE

SAN DIEGO 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.

family event brings together worldclass marching bands, magnificent floats, entertaining drill teams, and a procession of enormous balloons – more than any other parade! For more info visit: holidaybowl.com DEC 26 - 30 | FOOD TRUCK FEST The Holiday Food Truck Festival returns for five festive days between Christmas and New Year’s Eve, so ditch the leftovers and head to Balboa Park to sample a wide assortment of gourmet dishes along with music and dance performances. For more info visit: https://bit.ly/3gw2gLG

JANUARY

JAN 9 | BREW FEST The annual San Diego Brew Festival returns to Liberty Station for a funfilled day with unlimited tastings from more than 70 craft and international breweries, live music, and some of San Diego’s most popular food trucks. For more info visit: sandiegobeerfest.com

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JAN 24 - 26 | LUNAR NEW YEAR TET FESTIVAL Celebrate the Year of the Rat at the 15th annual Lunar New Year Tet Festival held at Mira Mesa Community Park. The free, family-friendly event features a cultural village, a beer garden, carnival rides, food, and children’s games and activities. For more info visit: sdtet.com

FEBRUARY

FEB 8 | BREWBIES OCEANSIDE Head to North County for the 11th annual Brewbies festival, a beer tasting event supporting breast cancer awareness. Held at Bagby Beer Company in Oceanside, this event raises money for Keep A Breast Foundation (KABF). To support its Check Yourself! For more info visit: brewbies.org FEB 11 - 21 | THEATRE WEEK San Diego Theatre Week - more than 30 San Diego organizations will come together for a celebration of performing arts including music, comedy, theatre, dance, and musical theatre. Participating venues include the San Diego


LOCAL EVENTS GUIDE

SAN DIEGO 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.

Ballet, Diversionary Theatre, The Old Globe, National Comedy Theatre, and many more locations offering a variety of special promotions during the week. For more info visit: sandiegotheatreweek.com

MARCH

MARCH TBA | CHERRY BLOSSOM FESTIVAL The Japanese Friendship Garden is proud to announce that Cherry Blossom Week returns to welcome the spring season! The celebration will continue to combine both cultural education with family fun and will offer various special daily programs. For more info visit: niwa.org/cbw MARCH 13 - 14 | CIRCLE OF ART This free outdoor art show is staged in the heart of the village of Borrego Springs. Approximately 60 artists will exhibit their quality work, representing a variety of media including: fine arts, oils and watercolors, photography, sculpture, pottery/ceramics, jewelry, fabric art and more. For more info visit: https://bit.ly/3fm5ksl

APRIL

APRIL TBA | SPRING GARDEN & BUTTERFLY FESTIVAL The Spring Garden & Butterfly Festival at Cuyamaca College is a family-friendly community celebration of spring and a greener future that attracts more than 3,000 visitors annually. For more info visit: https://bit.ly/3fog21f APRIL 10 | BOBA FESTIVA The highly anticipated festival based on the beloved Asian beverage is coming to Southern California - the San Diego Boba Festival. There will be Asian snacks and food, cultural and contemporary entertainment, art, and of course - BOBA! For more info visit: Sdbobafest.com

MAY

MAY 6 - 9 | BLUES & CRAWFISH FESTIVAL Largest, authentic Louisiana-themed festival this side of the bayou. Features 4 days of live music - more than 100 performances on 7 stages, dancing, delicious Southern food - including beignets, gumbo, 21


LOCAL EVENTS GUIDE

SAN DIEGO 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.

jambalaya & 10,000 lbs of crawfish. Family Friendly & Fun. For more info visit: gatorbythebay.com

For more info visit: SanDiegoYogaFestival.com

JUNE

JULY

June 4-30 | SAN DIEGO COUNTY FAIR The San Diego County Fair offers all of the deep fried-food-on-a-stick, rides, animals, and games you’ve experienced at other state and county fairs, but is also known for worldclass exhibits in fine art, photography, woodworking, jewelry/gems & minerals, and home & hobby, and the Paul Ecke Jr. Flower & Garden Show...not to mention an unsurpassed view of the Pacific Ocean from the Ferris Wheel! For more info visit: sdfair.com JUNE 18 - 21 | YOGA FESTIVAL It is San Diego’s largest yoga festival reaching thousands of holistically-minded people! It celebrates humanity and health, offering nonstop yoga and healing classes every hour on the hour from morning to sunset! It is open to all people, of all ages and all levels of yogic understanding. 22

JULY 4 | BIG BAY BOOM The Big Bay Boom July 4th Fireworks Show is back, promising another spectacular display over San Diego Bay. Fireworks will be discharged simultaneously from barges placed strategically around the Bay. For more info visit: bigbayboom.com JULY 10 | TACO & BEER FEST The San Diego Taco & Beer Festival returns for another year of tacos, beer & a whole lot of fun! Guests will experience unlimited pours of craft beer from local and regional breweries as well as complimentary taco tastings from some of the top restaurants & food trucks in Southern California. For more info visit: https://bit.ly/3fmx3ZF


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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. 24


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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. 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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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. 26


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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. 27


RECOMMENDED SERVICE DIRECTORY

ANTIQUES Todd & Company.........................Front Inside Cover BAKED GOODS Mrs. Bickels .................................................................. 9 ESTATE PLANNING - WILLS & TRUSTS Legacy Legal ...............................................................11 FINANCIAL ADVISOR Jeff Ardantz - Raymond James .........................13 GARAGE DOOR SERVICE & SALES Door Dorks ....................................................................7 GLUTEN FREE DESSERTS Mrs. Bickels .................................................................. 9 HEALTH INSURANCE Elise Haar Insurance Services Access Health .....................17 HOME CARE Accredited Home Care ............................................5 INSURANCE Ronald Barr - Nationwide Insurance ................. 9 JEWELRY Todd & Company.........................Front Inside Cover

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MEDICARE Elise Haar Insurance Services Access Health....................17 MORTUARY Allen Brothers Mortuary, INC ..............................13 NON-PROFIT Helen Woodward Animal Center........................11 REAL ESTATE Rick Woods Coldwell Banker Residential Brokerage ...........7 REVERSE MORTGAGE Owen Coyle Reverse Mortgage West.................. Front Cover, 3 TRUST ADMINISTRATION AND PROBATE Legacy Legal ...............................................................11


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