The 55 Guide - Chicago

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CHICAGO ILLINOIS | VOL. 1

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 4

Senior Living

8

Investing For The Future

10

Luxury Living

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Destination Vacations

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22 Local Event Guide

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32 Saving For Retirement 36 Travel In Style 38

Recommended Service Directory

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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. 4

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 6)


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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 6

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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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 8

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.


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LUXURY

LIVING IDEAS

Upgrading your home is only limited by your imagination and budget. Is it a luxury bath, fabulous kitchen, incredible master suite or home theatre that you desire?

KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for countertops and islands. Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen. Also popular are pizza ovens, appliance garages, warming drawers and under- counter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.

BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub. Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature. Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance. 10

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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.

LUXURY

LIVING IDEAS

MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions. 12


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TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations. 1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach. 4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture.

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History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.



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LOCAL EVENTS GUIDE

CHICAGO JANUARY

JAN 23-26 Chicagoland Outdoor Expo Come experience a 5,000 gallon fish tank loaded with monster bass, Learn how your lures act in the water through pro demonstrations, experience our fishing simulator, or view and price that boat you’ve been dreaming of. Join any of our educational programs, test out new reels and rods in our casting pond, come and have a great experience with your entire family. chicagoland.sportshows.com JAN 24-26 Peter and the Starcatcher A fresh take on the century-old tale of how the legendary Peter Pan comes to be. Tony-winning PETER AND THE STARCATCHER upends the century-old story of how a miserable orphan comes to be The Boy Who Would Not Grow Up (a.k.a. Peter Pan). http://bit.ly/chi-jan24 JAN 25 | Winter Brew 2020 Each winter the Lincoln Square Ravenswood Chamber of Commerce takes the Chicago Street Festival scene indoors for the annual Winter Brew! The big event takes place with local breweries/cideries from around Chicago who set up shop on the 5th floor ballroom and 6th floor skyline lounge of the DANK Haus 22

German American Cultural Center. http://bit.ly/chi-jan25

FEBRUARY

JAN 24-FEB 9 Chicago Restaurant Week Chicago Restaurant Week is a 17-day celebration of the city’s award-winning culinary scene. The 13th annual event brings together hundreds of the city’s top restaurants, representing a near-endless array of cuisines and making it the largest restaurant week in the nation. http://bit.ly/chi-feb9 FEB 4-9 | Irish Riverdance Riverdance, as you’ve never seen it before! A powerful and stirring reinvention of this beloved favorite, celebrated the world over for its Grammy award-winning score and the thrilling energy and passion of its Irish and international dance. For more info visit: http://bit.ly/chi-feb4 FEB 8 | Lunar New Year Celebrate the Lunar New Year with art-making activities, games, performances, an artist demonstration, and gallery talks in English, and also available in Mandarin. At 5:00 head to Millennium Park for a special lantern procession, and continue the celebration at Maggie Daley Park. http://bit.ly/chi-feb8

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LOCAL EVENTS GUIDE

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MARCH

MAR 14-15 | Antique Glass Show There will be over 25 dealers from around the country. The glass and pottery that will be for sale is all American made. We will have early American pattern glass, elegant or handmade glassware, depression glassware, kitchen glassware, Pyrex, Fire King, and Fenton. There will be something for everyone. Our show dealers will also have available for sale, items to help set the table, such as linens, silverware, etc.. http://bit.ly/chi-mar14 MAR 15 | Drum Tao 2020 More than 8 million spectators across the world have experience TAO’s modern, high-energy performances. Combining highly physical, large-scale Japanese drumming with contemporary costumes, precise choreography, and innovative visuals, the performers create an unforgettable production. For more info visit: http://bit.ly/chi-mar15 MAR 21-22 Chocolate and Wine Expo This expo promises over 40 vendors displaying products for you to sample and purchase, wine and spirits tasting, and chef demonstrations. For more information please visit: http://bit.ly/chi-mar21

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APRIL

APR 11 | Brew & Vine Festival The only indoor beer, wine, and food festival of its kind in the Chicagoland area. Enjoy a night out with live entertainment and over 60 vendors serving close to 200 different craft beers, wines and food. For more info visit: tinleyparkbrewandvine.com APR 18 | Baconfest Chicago Baconfest Chicago is a nationally renowned, locally beloved festival dedicated to America’s favorite cured meat: bacon! At Baconfest, Chicago’s best chefs concoct and serve brilliant bacon dishes to thousands of passionate bacon lovers. Liquor sponsors provide cocktails, beer and wine designed to complement a bacon meal. Bacontrepreneurs and bacon-friendly brands exhibit their wares and connect with our bacon community. https://baconfestchicago.com

MAY

MAY 1-17 | Lilac Time Festival The Lombard Park District’s Lilacia Park is an 8.5-acre horticultural showcase featuring 700 lilacs and 25,000 tulips! All ages will enjoy a stroll through the park or one of our many special events. From tastings to tours and concerts to coronation, there is something for everyone during Lilac Time. For more info visit: www.lombardlilactime.com (. . .continued on page 26)


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MAY 22-24 | Mole de Mayo Being held at Ashland and 18th Street in Chicago’s historic Pilsen neighborhood, the 11th annual Mole de Mayo festival will feature mole, pitting local chefs and restaurants against one another to find out whose version of the Mexican staple is best. In addition, the outdoor festival will also feature a number of the city’s finest food vendors, an open-air Mercado/Market that will be filled to the brim with local Pilsen businesses and crafters. http://bit.ly/chi-may22 MAY 28-31 | Maifest Chicago The German festival known as Maifest Chicago serves beer, brats, sauerkraut, and music in Lincoln Square at Lincoln Ave. and Leland Ave. Free. [Not to be confused with the similar event Mayfest.] Visit: www.mayfestchicago.com

JUNE

JUN 5-7 | Greek Fest Being Greek means relishing the world around you and enjoying life to its fullest. Come experience the Ancient Greek concept of “filoxenia” and the famous hospitality of the Greek culture. The Lincoln Park Greek Fest gives us the opportunity to open our arms, our hearts and our kitchens as we share our culture with you! This popular annual cul26

tural celebration on the grounds of St. George Greek Orthodox Church will serve up authentic flavorful food, great music, dancing and pure fun. Free. For more info visit: www.lincolnparkgreekfest.com JUN 19-20 | Scottish Festival & Highland Games The Scottish Festival & Highland Games features an extravaganza of activities and attractions - from the Caber Toss to Highland Dancing to the Dogs of Scotland. This family-friendly event is a chance to explore Scottish culture without buying a plane ticket. Plus, all proceeds benefit the Society, the oldest not-for-profit in Illinois. For more info visit: scottishfestivalchicago.org

JULY

JUL 2-4 | Hot Air Balloon Festival This festival is one of Chicagoland Area’s largest summer festivals, and it is ran solely by volunteers! 100% of the proceeds are donated to local charities! General admission each day is $10 for anyone 9 and older, while those under the age of 9 are free! General admission includes access to our two main stages, two food courts, children’s area, balloon field, craft vendors and fireworks. www.eyestotheskies.org

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LOCAL EVENTS GUIDE

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JUL 3-5 | Botanic Garden Art Fest Stroll and shop among 90 juried artists on the Esplanade. This one-of-a-kind art festival brings botanic-themed and botanic-made photography, paintings, ceramics, cement, metal, fiber, wood, jewelry, and other pieces to the Chicago Botanic Garden. Find remarkable items to purchase or just admire them during your visit to this annual event. For more info visit: www.chicagobotanic.org/artfestival JUL 19-21 | Tacos y Tamales Festival The Best and most authentic Tacos y Tamales Chicago has to offer, Wide Varieties of Tamales from several regions of Latin America, Handmade Tortillas, Local Art Installations, Merchant Vendors, Authentic Mexican Chefs, Strong Presence of Latin Music and Dance Performances, Amazing Arts & Entertainment, and a Beer Garden. For more info visit: http://chicagotacofest.com

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AUGUST

AUG 15-16 Chicago Air & Water Show Chicago Air & Water Show features daredevil pilots, parachute teams, jets flying in formation, an air/sea rescue demonstration, and military airplanes. Watch it at the waterfront near North Avenue Beach (from Fullerton to Oak Street). Free. http://bit.ly/chi-aug15 AUG 7-9 | Japanese Ginza Holiday Ginza Holiday offers Minyo Japanese folk dance, various martial arts, taiko drumming, bonsai, The Waza skilled craftsmen showcasing traditional pottery, decorative towels, confectionary treats, and bamboo crafts. Enjoy various food and entertainment such as sushi, teriyaki, Udon noodles, Edamame, and Kintoki, as well as other traditional food items. Partake in tours of the Hondo or temple hall, and (. . .continued on page 30)


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Donate today at redcross.org

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the various avenues for shopping. https://ginzaholiday.com

SEPTEMBER

SEPT 12-13 Revolutionary War Renactment Join Cantigny and The North West Territory Alliance for a two-day Revolutionary War Reenactment and Grand Encampment. Get a feel for camp life, experience a battle and enjoy the sights and sounds of the 18th century. We will also have food available for purchase. For more info visit: http://bit.ly/chi-sept12

workspace for the next generation of local artists, artisans, manufacturers, brewers, and creators. By joining us this weekend you take advantage of a rare opportunity - a time when Ravenswood opens its doors to the public and fills the streets with art. For more info visit: http://ravenswoodartwalk.org

OCTOBER

SEPT 13 | Dekalb Kite Fest Bring sunscreen and a chair or blanket to DeKalb Kite Fest to watch giant inflatable kites, dancing kites, and fighting kites, with free kite making and a candy drop for kids, plus kites for sale at Lucinda Avenue and Kishwaukee Drive in DeKalb. Free except parking. dekalbcountycvb.com/dekalbkitefest

OCT 9 | FestivAle FestivAle is the Cystic Fibrosis Foundation’s annual craft beer tasting celebration! This one-of-a-kind event brings together approximately 350 beer enthusiasts to sample handcrafted, high-end beers from over 20 of Chicagoland’s finest brewers. FestivAle also features delicious bites from local restaurants, festival inspired games and treats, and live music all while supporting the mission of the Cystic Fibrosis Foundation. https://events.cff.org/chicagofestivale

SEPT 19-20 | Ravenswood Art Walk Tucked into one of Chicago’s most beautiful neighborhoods, the historic Ravenswood Industrial Corridor is a deceptively peaceful collection of old buildings that are home to an often unseen community of talented makers. This century-old manufacturing district continues to be a hub of innovation, providing vital

OCT 17-18 | Open House Chicago Every October, the Chicago Architecture Center is proud to host Open House Chicago—a free, two-day public festival that offers behind-the-scenes access to 250+ architecturally, historically and culturally significant sites across the city. Featured sites include historic mansions, private clubs, sacred

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LOCAL EVENTS GUIDE

CHICAGO spaces, hotels, offices, theaters and so much more! For more info visit: https://openhousechicago.org

NOVEMBER

OCT 31 - NOV 2 | Tea Festival Enjoy a day all about tea. Learning about tea, preparation, culture and history and of course, tons of tastings! Through workshops, lectures, tastings and networking you will enhance your knowledge of everything tea. https://www.citfest.com NOV 21 Magnificent Mile Lights Festival Two days of free, family-friendly activities lead up to our famous tree-lighting parade to kick off the holiday season - plus special offers from businesses around The Magnificent Mile! Visit our Kids Zone with face painting, as well as get a photo with a life-sized holiday card! http://bit.ly/chi-nov21

DECEMBER

DEC (TBA) | Mannheim Steamroller Performed live with acoustic-electronic seasonal hits and multimedia effects at Rosemont Theatre. This year’s show will feature the original classic Christmas hits from the first Mannheim Steamroller Christmas along with multimedia effects in an intimate setting. Davis will direct and co-produce Tour performances with MagicSpace Entertainment. www.mannheimsteamroller.com DEC 27 | Salute to Vienna New Year’s Concert Chicago Come experience the wonderful performances of the Strauss Symphony of America. Witness Costumed dancers from the National Ballet of Hungary, and singers who bring the waltzes of Strauss to life, as a full orchestra plays at Salute to Vienna New Year’s Concert at the Symphony Center. For more info visit: http://bit.ly/chi-dec27


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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. • D . o 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. • D . on’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. 34


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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. 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


RECOMMENDED SERVICE DIRECTORY

ACCOUNTING Butler Accounting & Taxes Inc............................27 Ciardella & Assocaites Ltd.....................................15 ATTORNEY Charles G McCarthy Jr............................................25 COURIER SERVICE Five Alarm Logistics................................................23 CRUISES Expedia CruiseShipCenters.............................18-19

FINANCIAL PLANNING Leonard Digate...........................................................13 FINANCIAL SERVICES Ryan Braden Agency..............3, Back Inside Cover HOME CARE Home Helpers of DuPage & Will..........................11 HOME INSURANCE Joy Agerter Agency LLC.......................................23

DELIVERY SERVICE Five Alarm Logistics................................................23

INSURANCE Harvey Goodwin - All State Insurance............27 Phil Mormann - State Farm...................................17

DOORS Olson Windows Doors Siding Roofing..............11

INTERNET SERVICE PROVIDER Fox Valley Internet...................................................25

ESTATE PLANNING Christopher Nudo.........................Front Inside Cover Leonard Digate...........................................................13

LIFE INSURANCE Mark Mostardo................... Front Cover, Back Cover

FINANCIAL ADVISOR Jerry Papiernik - Edward Jones........................... 9 John M. Weber - Edward Jones..........................17

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LONG TERM CARE INSURANCE Ryan Braden Agency..............3, Back Inside Cover


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RECOMMENDED SERVICE DIRECTORY

MATTRESSES American Mattress....................................................15

SIDING Olson Windows Doors Siding Roofing..............11

NON PROFIT ORGANIZATION American Red Cross................................................29 National Kidney Foundation of Illinois..............31

SPA Eagle Ridge Resort & Spa........................................7

REAL ESTATE LAW Charles G McCarthy Jr............................................25

TAX PREPARATION Butler Accounting & Taxes Inc............................27

RESORT Eagle Ridge Resort & Spa........................................7

TOURS Aries Charter Transportation...............................28 Chicago Running Tours and More...............20-21

ROOFING Affordable Roofing Inc.............................................5

TRANSPORTATION Aries Charter Transportation...............................28

ROOFING CONTRACTORS All American Exterior Solutions.........................27

TRAVEL Expedia CruiseShipCenters.............................18-19

RV WASH AND DETAILING Ultimate Spray n Wash..............................................1

WINDOWS Olson Windows Doors Siding Roofing..............11

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