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HOUSTON TEXAS | 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 4

Luxury Living

12

Senior Living

16

Destination Vacations

4

20 Local Event Guide 32 Saving For Retirement

32

36 Travel In Style 38

Recommended Service Directory

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HOUSTON | TEX AS | VOL . 2

OPEN FLOOR PLANS

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

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

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

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

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

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

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

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

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

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g n i v i L r o i n e S

HOUSTON | TEX AS | 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. 12

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 14)



HOUSTON | TEX AS | VOL . 2

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 14

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!



HOUSTON | TEX AS | VOL . 2

TRENDING LOCATIONS FOR A GREAT VACATION

EXCITING TRAVEL

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

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

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3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the world’s only stadium built in its entirety of marble. This site is home to the first modern 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. 18

4. France, known for its exquisite cuisine, is also home to famous fashion houses, many classical art museums including the Louvre, and monuments such as the Eiffel Tower, the Seine, Notre-Dame cathedral, Arc de Triomphe, and the Palace of Versailles. There are also magnificent parks, great music, ancient cave drawings, and renowned wine tasting sites.



LOCAL EVENTS GUIDE

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

SEPTEMBER

SEPT 16 | TASTE OF LOUISIANA FESTIVAL Experience an award-winning festival at Sugar Land’s newest park, Brazos River Park! The Taste of Louisiana Festival is a family-friendly event. Come for the live performances on the mainstage, chef demos, children rides, and activities. For more info visit: thetasteoflouisiana.com SEPT 16 | ITALIAN FILM The Italian Cultural & Community Center (ICCC) is reopening to the public and will present its next contemporary Italian film Il Campione. The ICCC is proud to continue to promote Italy’s compelling film legacy by exploring its contemporary films through this series. For more info visit: https://bit.ly/2GHOxnK

OCTOBER

OCT 1 | OKTOBERFEST VIRTUAL 5K RUN Lederhosen, brats, big steins of BEER! Who’s ready for some Okto20

berfest fun! Introducing the 2020 Oktoberfest Virtual 5k Run Walk. Grab the lederhosen and your prerun brat! The Virtual Run Challenge presents the 2020 Oktoberfest Virtual 5k Run Walk! For more info visit: https://bit.ly/2GS8Gb3 OCT 5 - 11 | BAYOU CITY ART FEST For almost five decades, Bayou City Art Festival has helped thousands of Houstonians create fond memories. We will kick-off the Bayou City Art Virtual Experience with an online art auction, virtual performances, art projects for kids of all ages with our nonprofit partners, creative activities and more. From the safety of your home, you can purchase art from your favorite artists or discover new artists to follow. For more info visit: artcolonyassociation.org

NOVEMBER

NOV 7 - 8 | BIG TOP VINTAGE MARKET Big Top Vintage Market has the traditional appeal of a craft show and vintage market with the fun and (. . .continued on page 22)



LOCAL EVENTS GUIDE

HOUSTON 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 20) function of a festival. Shop for all things vintage, antique, junk, industrial and re-purposable under the big top in Old Town Spring Market. Find a diamond in the rough and make it anew or take home a treasure already refurbished and ready to enjoy. For more info visit: https://bit.ly/32h7hTj NOV 14 - 15 | MUSIC & ARTS FEST Come and enjoy major concerts, fine art displays, a classic car show, a custom motorcycle show, and dozens of fun attractions and highlights. Check out the Taste of Houston Food Garden, with delicious cuisine, and cold domestic and craft beers. Enjoy the the heritage and the culture of our great city. Bring the whole family for a fantastic weekend of fun! For more info visit: houstonartsfestival.com

DECEMBER

DEC 1 - 27 | A CHRISTMAS CAROL A Christmas Carol is a highly inventive adaptation of the Dickens classic, paired down to its essential elements. A resident company of actors assemble to perform 22

a trunk-show production of the heart-warming Christmas story. With two actors missing and a tiny budget, creating a magical world of holiday make-believe is no easy feat. It will be A Christmas Carol like no other. For more info visit: https://bit.ly/2ZrINoO DEC 5 | TAMALE FESTIVAL Come out for a day of Great Fun, Good Music and great food! Enjoy a variety of Tamales from varied Latino Cultures as well as great Texas BBQ, Food Trucks, fairground foods and much more! For more info visit: tamalefestivalhouston.com

JANUARY

JAN 18 | MARTIN LUTHER KING JR. PARADE This annual parade celebrating the civil rights leader marches through the heart of Houston. Our sole purpose is to promote Racial Harmony through Educational and Promotional concepts and ideas.The MLK Grande Parade is one of the largest single-day multicultural events in the U.S. that is held in honor of Dr. (. . .continued on page 24)



LOCAL EVENTS GUIDE

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

(. . .continued from 22) Martin Luther King, Jr. The Annual MLK Grande Parade parade consists of 15 Parade floats & 30 Marching bands. For more info visit: mlkgrandeparade.org JAN 25 | TEXAS LUNAR NEW YEAR Celebrate the impressive qualities of every culture while celebrating the Asian Lunar New Year at the annual Texas Lunar Festival. In the Chinese lunar calendar a different animal or mythological beast represents every year in a twelve year cycle. The year of 2020 is the year of the Ox. Come enjoy dance, theatrics, and music in this cultural celebration! For more info visit: texaslunarfest.net

FEBRUARY

FEB 5 - 16 | MARDI GRAS Mardi Gras! Galveston, offers the unique chance to experience sand between your toes and gorgeous beach sunsets while taking in the revelry and lavish parades. This island-style Mardi Gras has plenty of personality. From the classic revelry found in the heart of Galveston’s historic downtown district. For more info visit: https://bit.ly/3bmW9Y0 FEB 25 - 27 | BAR-B-QUE CONTEST It’s all about the ‘cue! The World’s Championship Bar-B-Que Contest is three days of cooking, competition, eating and dancing. The sweet (. . .continued on page 26)

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LOCAL EVENTS GUIDE

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

(. . .continued from 24) aroma drifts over the Houston metropolis, drawing crowds like bees to honey. Trophies are awarded to teams preparing the best dish in each category: brisket, chicken, pork and spare ribs, as well as an overall winner. For more info visit: https://bit.ly/34X0Kz8

MARCH

MARCH 2 - 21 | LIVESTOCK SHOW & RODEO Rodeo time has been a tradition in Houston since 1932, and the threeweek extravaganza at NRG Park continues to consume the city every spring. The kickoff for the Houston Livestock Show and Rodeo™ is the Rodeo Parade, after trail riders ride into town and set up camp in Memorial Park. All 20 championship rodeo competitions are concluded with entertainment by music superstars. For more info visit: https://bit.ly/3gTV0sb MARCH 25 - 31 | STATE FAIR South Texas State Fair & Rodeo brings thousands of visitors to Beaumont each spring to experience food, entertainment, and 26

carnival rides. The Professional Rodeo Cowboys Association (PRCA) showcases the country’s top cowboys and cowgirls at the YMBL Championship Rodeo. For more info visit: ymbl.org

APRIL

APRIL TBA | HOUSTON BARBECUE FESTIVAL We are committed to recognizing and promoting the hard work and dedication of Houston’s barbecue pitmasters and restaurants. We believe Houstonians and Houston barbecue lovers deserve a worldclass festival worthy of our city and our barbecue.Come for a full day of barbecue-focused fun! For more info visit: houbbq.com APRIL 16 - 25 | INTERNATIONAL FILM FESTIVAL WorldFest brings a blend of feature films, shorts, screenplays, TV commercials, music videos and documentaries to viewers throughout the area.Join us for ten great days in April as we explore the endless possibilities of cinematic excellence. We bring the world to the silver screen (. . .continued on page 28)



LOCAL EVENTS GUIDE

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

(. . .continued from 26) in the most diverse city in America. For more info visit: worldfest.org APRIL 17 | ART CAR PARADE One of Houston’s most beloved annual events started as small gatherings of like-minded artists and individuals in the early 1980s. The parade showcases Houston’s most outlandish folk art creations on wheels. Truly a sight to see! For more info visit: thehoustonartcarparade.com

MAY

MAY TBA | JAPAN FESTIVAL Japan Festival Houston is an annual celebration of Japanese culture held in Houston’s Hermann Park. Enjoy the rich cultural heritage of Japan with traditional and contemporary performances of Japanese music, dance and martial arts, Japanese/Japanese-inspired food, as well as demonstrations and displays of Ikebana flower arrangement, tea ceremony, origami, bonsai and more. For more info visit: houstonjapanfest.org

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MAY 3 | MEDITERRANEAN FEST The Mediterranean Festival features a tradition that is more than 100 years old, the Syrian Dinner. Along with food, families can enjoy camel rides, Greek and Arabic dance troop performances, face painting, games, and other fun activities. For more info visit: greekmedfest.com MAY 14 - 16 | STRAWBERRY FEST The Pasadena Strawberry Festival mission is to produce a large event to help support other nonprofits and to help give opportunity to students to further their education through our scholarships program, to preserve and celebrate the history of Pasadena.For more info visit: strawberryfest.org

JUNE

JUNE 10 - 20 | ALADDIN A run-in with the palace guards leads the young and reckless title character into a whirlwind of adventure and romance in this vibrant ballet based on the legendary tale of Aladdin and his magical lamp. With unbelievable riches, love at first sight, treachery, a flying car(. . .continued on page 30)



LOCAL EVENTS GUIDE

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

(. . .continued from 28) pet and, of course, a magical blue genie. Come to the Houston Ballet to see this ideal entertainment for audiences of all ages. For more info visit: https://bit.ly/3bMXHLh JUNE 23 - 27 | TEXAS OUTLAW CHALLENGE Texas Outlaw Challenge, one of the country’s most respected and popular speedboating events. This annual event features a car show, time trials, and a charity poker run. For more info visit: texasoutlawchallenge.com

JULY

JULY 4 | FREEDOM OVER TEXAS FESTIVAL Houston’s official July 4th celebration takes place in Eleanor Tinsley Park and features live entertainment, food booths and a world-famous fireworks display. Come celebrate the birth of our nation! For more info visit: https://bit.ly/2R7pxrW JULY 29 - 31 | MOSQUITO FESTIVAL At the Great Texas Mosquito Festi30

val, Willie-Man-Chew greets visitors from near and far to enjoy. Willie affectionately and jokingly calls, his official goodwill ambassadors, his “Swat Team” and present three fun filled days of special events, games, food, carnival rides, and contests, craft booths, cook-offs and much, much more. Ya’ll come down to Clute, Texas and join us! For more info visit: mosquitofestival.com

AUGUST

AUG 1 - 7 | SHAKESPEARE FEST King Lear, in dividing his estate, disowns the wrong child. Family loyalty, betrayal, and madness set the stage for King Lear. Come watch this masterpiece take place! For more info visit: https://bit.ly/35fQRwD AUG 21 | SAND CASTLE COMPETITION For years the competition has enticed some of the most talented architects and designers.At the end of the day, everyone goes home with memories of a great day at the beach! For more info visit: https://bit.ly/2Fb3gH7



HOUSTON | TEX AS | VOL . 2

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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Earn new clients

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HOUSTON | TEX AS | VOL . 2

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


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AIR CONDITIONING & HEATING P&M Air Conditioning & Heating........................31

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SENIOR RESOURCES Suzanne Davis - Texas Senior Solutions .........13

LIFE INSURANCE The Emerald Insurance Agency .............................Front Cover, 21

WEALTH MAMNAGEMENT Outlook Wealth Advisors LLC...............................3 Woodforest Wealth Strategies..........................23 Stephen Eggert - Edward Jones.......................29

LONG TERM CARE INSURANCE Noveri Insurance Agency.....................................24 MEDICAL LEFT CHAIRS Furnishings Unlimited............................................33 MEDICARE Secure Your Legacy ...............................................39 MOVING AND RELOCATION SRST Senior Relocation Services of Texas ...29 PAIN RELIEF CBD Health Club .......................................................31 REALTOR Cyndi Allen - Coldwell Banker Realty .............25 Nancy Furst - JLA Realty......................................15 REAL ESTATE SRST Senior Relocation Services of Texas ...29 RENTAL FURNITURE Furnishings Unlimited............................................33 RESIDENTIAL COMMUNITY Meridiana ....................................................................27

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WINDOW TREATMENTS Decorating Den Interiors- Herrick Home ......24 WING SHOOTING Best Wing Shooting ..................................................5




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