The 55 Guide - Coachella Valley, CA

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COACHELLA VALLEY CALIFORNIA | 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

Luxury Living

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Investing For The Future

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Senior Living

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Destination Vacations

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Local Event Guide

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27 Saving For Retirement 30 Travel In Style 32

Recommended Service Directory

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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. 4

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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. 6


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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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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.


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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.

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!

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 11


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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

COACHELLA VALLEY NOVEMBER

NOV 2 | Dia De Los Muertos Cathedral City A Celebration Honoring the Memory of Loved Ones. Mariachi bands, folkloric dancers, an art contest for students, a children’s craft area supervised by SCRAP Gallery, information tables, Community Altar, food vendors. For more info visit: www.discovercathedralcity.com NOV 2 | Brew in La Quinta - Craft Beer Fest Brew, nature, music, food, games, and art. Featuring over 15 breweries pouring your favorite ales, porters, pilsners, stouts, lagers, and everything in between, this festival has something for every beer lover to appreciate. Note: 21+ Only. For more info visit: www.playinlaquinta.com NOV 22-24 | Hot Air Balloon & Food Truck Fiesta Join us at sunrise to watch the inflation of the Specialty Hot Air Balloons to over 7 stories high. Enjoy a pancake breakfast with coffee or juice and watch the balloons GLOW on iconic replica baseball fields as they prepare to ascend and race across the Coachella Valley. These colorful works of art will rise above in a kaleidoscope of color, sound, and enjoyment. For more info visit: www.hotairballoonfest.com 18

DECEMBER

DEC 7-8 | Indio Tamale Festival The Indio International Tamale Festival is loaded with excitement. Currently ranked in the Top 10 “All-American Food Festivals” in the nation, by Food Network. Visitors delight in scrumptious tamales, endless alternative food options, shopping, and all-day entertainment.. For more info visit: http://www.tamalefestival.net DEC 14 | North Pole Village at Snow-Fest Bring the entire family to the North Pole Village at Snow Fest. It is a Hollywood-style movie set themed as a Main Street at Santa’s North Pole – all lit up with holiday lights. Snow-Fest captures all the holiday spirit and places it at one event. You will also enjoy an outdoor market featuring holiday arts & crafts, food, treats, and beverages including hot chocolate and cider. For more info visit: http://www.snowfest.us/

JANUARY

JAN 11 | Desert Art Festival Distinguished by scope of diversity and the wide variety of fine art. Presented are innovative works in differing styles of contemporary, traditional, modern, and southwest art for the discriminating individual or corporate collector. Hundreds of (. . .continued on page 20)


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talented artists are proud to present their unique work in acrylic, collage, etchings, mixed media, oils, pencil, watercolors, digital and traditional photography. For more info visit: www.westcoastartists.com JAN 13 | Ed Hastey Garden Walk Enjoy this docent led tour on the paved Ed Hastey Garden Walk. It is a great introduction to learn about native plants and animals that inhabit our desert. This short, easy walk is suitable for people of all ages and abilities. Minors must be accompanied by parent or guardian. Recommend one (1) liter of water per person, hat and sunscreen. Check-in begins at 9:45 AM. Your tax deductible donations are appreciated and encouraged. For more info visit: http://bit.ly/coval-jan13 JAN 18 | Palm Springs Pinot Noir Festival The Palm Springs Pinot Noir Festival is a premier event on the international wine calendar. Hosted in one of the world’s most dramatic and awe-inspiring Hotels, this is a unique opportunity to engage with some of the top winery owners and winemakers and other leading wine personalities and enthusiasts from all over California. For more info visit: http://bit.ly/coval-jan18

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FEBRUARY

FEB 15 | La Quinta Car Show Join us at the event to experience Hot Rods & Custom Cars in the following featured categories: Street Rods, Classics, Muscle Cars, Sports Cars, etc.. The cars will be placed throughout the spacious La Quinta Community Park, making it a comfort to enjoy each car on display. Visitors also encouraged to explore La Quinta with the proximity of Old Town, area shops, restaurants, hiking trails, and parks. For more info visit: http://bit.ly/coval-feb15 FEB 28-29 | Rancho Mirage Wine and Food Festival Join us to enjoy incredible wines and cuisine from Rancho Mirage’s very best chefs. Award winning wineries will be pouring their worldclass wines from Napa, Sonoma, Paso Robles, Santa Barbara, Lodi, Washington State, The Santa Lucia Highlands, and Temecula. Enjoy an afternoon of unlimited fun, wine, food and live upbeat music – at the classiest wine and food festival under the sun! If you love wine, great food, and that famous Palm Springs weather, then the Rancho Mirage Wine & Food Festival is the event for you! For more information visit: http://bit.ly/coval-feb28

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MARCH

MAR 7 | Wildflower Festival Each spring, the desert comes alive as the wildflowers bloom and transform the Coachella Valley into a colorful canvas. The best place to celebrate them is at the Coachella Valley Wildflower Festival, which is held at Palm Desert’s Civic Center Park on the first Saturday in March. In addition to great wildflower viewing and beautiful art, the festival celebrates wellness, recreation, and the outdoors. bit.ly/coval-mar7 MAR 14 | Art on Main Street Our shows feature artists who are California and Coachella natives as well as artists from Europe, Asia and Africa who now reside here and continue to travel worldwide. Art on Main Street exhibit categories include painting, ceramics, jewelry, photography, mixed media, sculpture, glass, woodwork and textiles. Enjoy live music and great dining. http://bit.ly/coval-mar14 MAR 18 NY Philharmonic String Quartet Join us for a wondrous evening with the 4 award winning members of this quartet. Comprised from the Orchestra: Concertmaster Frank Huang, Principal Associate Concertmaster Sheryl Staples, Principal Viola Cynthia Phelps, and Carter Brey http://bit.ly/coval-mar18 22

APRIL

APR 4 Palm Desert Brew at the Zoo Palm Desert Brew at the Zoo is the wildest beer, wine and food event in the Coachella Valley. Stroll about The Living Desert and enjoy unlimited samples of beer and wine, food trucks, live entertainment and animal encounters. For more info visit: http://bit.ly/coval-apr4 APR 3-5 | Indian Wells Arts Festival The Indian Wells Arts Festival is a colorful, diverse ecosystem of art with more than 200 juried artists traveling from across the nation and as far as Japan, Africa, Central and South America, the United Kingdom, Europe and beyond each year to showcase their contemporary and traditional fine art and high quality craft. Art enthusiasts stroll the concourse of its world-famous venue, the Indian Wells Tennis Garden, transformed into an artisan village and festive outdoor marketplace. www.indianwellsartsfestival.com

MAY

MAY 7-10 | Arthur Lyons’ Film Noir Festival This unique festival features an eclectic mixture of landmark and obscure vintage movies from the classic film noir era. This ever-relevant film genre has its very own (. . .continued on page 24)



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film festival in Palm Springs. It celebrates classic film noir’s legacy in the modern day. For more info visit: arthurlyonsfilmnoir.ning.com MAY 25 | Memorial Day Air Fair and Flower Drop This is a very special day at the Palm Springs Air Museum. Our brief Memorial service is dedicated to all of our fallen comrades, who paid the ultimate price for our freedoms. In their honor, we highlight the service with a fly-by and flower drop of over 3,000 red and white carnations from B-25 Mitchell bomber. This most impressive ceremony is our way of saluting our fallen comrades. http://bit.ly/coval-may25

JUNE

MAY 29-JUN 7 | Restaurant Week It’s time to treat yourself! Greater Palm Springs Restaurant Week shines a spotlight on the destination’s varied dining experiences, encouraging residents and visitors alike to explore new restaurants, menus and dishes. From vegan eats and international cuisine to artisan cocktails and local craft beer, there’s something for everyone to sip and savor in this culinary oasis. For more info visit: http://bit.ly/coval-may29

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JUN 21 -27 | Porsche Parade 2020 Porsche Parade, PCA’s annual weeklong event, takes place in a new location each year. For 2020, we’re heading to the Sonoran Desert of southern California known for its hot springs, stylish hotels, golf courses and spas. It’s also noted for its many fine examples of midcentury-modern architecture. In addition to traditional Parade activities such as concours, autocross, timespeed-distance and gimmick rallies, the surrounding Coachella Valley offers hiking, biking and horseback riding trails. http://bit.ly/coval-jun21

JULY

JUL (TBA) Taste of Summer Rancho Mirage Get ready for another great summer of dining deals in the desert as Rancho Mirage Restaurant Association, Rancho Mirage Chamber of Commerce and the City of Rancho Mirage team up again for the Annual Taste of Summer Rancho Mirage. Pick up a wristbad; a portion of the proceeds benefit Coachella Valley charities and the local chamber of commerce. Mark your calendar and RSVP as soon as possible to save your space For more info visit: tasteofsummerranchomirage.com


LOCAL EVENTS GUIDE

COACHELLA VALLEY JUL 3-4 | Independence Day Can’t figure out what to do this year for Independence Day? Take a look at these venues for some ideas. Coachella Valley 4th @ Bagdouma Park, Fantasy Springs Resort Casino Fireworks Celebration, Rancho Mirage Stars & Strips @ Agua Caliente, Palm Springs Power Baseball Game @ Power Springs Stadium, Palm Desert Independence Day @ Civic Center Park. Have a fun, happy, and healthy Independence Day.

AUGUST

AUG (TBA) | Craft Beer Weekend Join us at our annual Craft Beer Weekend celebrating the microbrewers, hop heads, cask masters and maltsters who make the world a better place for beer lovers. Taste the day away with over four dozen breweries, beer tastings, small bites, live performances and tales of the trade regaled by the brewers them(. . .continued on page 26)

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selves. Drink and eat to your heart’s content — tastings are unlimited For more information please visit: http://bit.ly/coval-aug-cbw AUG 6, 13, 20, 27 | Palm Springs Villagefest Downtown Palm Springs transforms into a festive, pedestrian street fair with a diverse array of artists, artisans, entertainers, and purveyors of fresh fruits and veggies, flowers, jewelry, snacks and sweets. Add all that to the great shops, restaurants, clubs, and entertainment venues located along World Famous Palm Canyon Drive and the result is one of Southern California’s most popular weekly events. For more info visit: http://villagefest.org

SEPTEMBER

SEPT 4, 11, 18, 25 | Safari Nights Experience the wild side of The Living Desert during Safari Nights, from 7pm to 9:30pm. Take in sights and sounds of the native and exotic animals, scorpion hunts, astronomy, and bat detector stations, giraffe feeding, plus live entertainment. Food and beverage tastings and specialty cocktails will be available for purchase. For more info visit: www.livingdesert.org SEPT 19 Monument Night Adventure Discover the desert after dark! We 26

will take a short walk along the Art Smith Trail looking for the nocturnal creatures that inhabit our desert. This is a family event. Minors must be accompanied by parent or guardian. Bring water and wear closed-toed shoes. Registration begins at 7:30 PM. For more information, call 760-862-9984. Donations are appreciated and encouraged.

OCTOBER

OCT (TBA) | Taste of Indio The event will again be held in the beautiful gardens of Jackalope Ranch. Last year this event featured 13 exquisite restaurants from across the East Valley. With attendance limited, this intimate experience allows participants to sample some of the finest restaurants in the valley while enjoying libations and live music. This event will sell out in advance. gcvcc.org/events/ OCT (TBA) | Desert AIDS Walk Community members will unite in Ruth Hardy Park to walk in the Desert AIDS Walk in support of Desert AIDS Project. This year’s walk will follow a 2.5-mile route through the new downtown Palm Springs and is notable for the diversity of community members who come together as teams each year to support Desert AIDS Project and our community partners. For more info visit: www.desertaidsproject.org


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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. (. . .continued on page 28)

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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. 28


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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. 30


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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. 31


RECOMMENDED SERVICE DIRECTORY AIR CONDITIONING Blair Heating & Air.....................................................13 Palm Desert Air Conditioning & Heating Co........25 ASPHALT Bill McClary - MGB Construction......................... 9 CONCRETE Bill McClary - MGB Construction......................... 9 CONSTRUCTION Premier Construction & Remodel, Inc........16-17 CRUISES Bill Burdon - Dream Vacations............................15 FIRE PITS Desert Patio....................................Front Inside Cover FURNITURE SHOWROOM Encore Consign & Design Studio........................19 GOLF CARTS Golf Cars of the Desert & Electric Car Sales.........................Front Cover, 23, Back Cover HEATING Palm Desert Air Conditioning & Heating Co........25 HOME HEALTH CARE SERVICES Desert Caregivers Agency LLC............................ 9 HVAC Blair Heating & Air.....................................................13

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LAND PROTECTION Friends of the Desert Mountains...........................3 LUXURY TRAVEL Bill Burdon - Dream Vacations............................15 MISTING SYSTEMS Koolfog........................................................................... 9 NON PROFIT ORGANIZATION American Red Cross.....................Back Inside Cover OUTDOOR LIVING DESIGN Desert Patio....................................Front Inside Cover PAIN MANAGEMENT The Lighthouse...........................................................21 REMODELING Premier Construction & Remodel, Inc........16-17 RESTAURANT Steers Bar & Grill..........................................................5 REVERSE MORTGAGE American First Financial...........................................7 SUPERMARKET Albertsons Coachella Valley....................................1 WILDLIFE PRESERVATION Friends of the Desert Mountains...........................3


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