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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

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Luxury Living

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20 Investing For The Future 22 Local Event Guide 29 Destination Vacations 31

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Saving For Retirement

34 Travel In Style 36

Recommended Service Directory

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

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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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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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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 20

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


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LOCAL EVENTS GUIDE

LAS VEGAS 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.

AUGUST

AUG 11 - 30 | REAL BODIES Real Bodies at Bally’s uses real human specimens to explore the complex inner workings of the human form in a refreshing and thought-provoking style. System-by-system, the Exhibition provides an approachable and fascinating insight into what’s happening inside every one of us. For more info visit: realbodiesatballys.com AUG 14 | FRIDAY FOOD TRUCKS A showcase of the region’s best food trucks, including deserts and craft beer all in one place! Come on by and support your local business. For more info visit: https://bit.ly/30OzHUi AUG 16 | SOUL SUNDAY BRUNCH Enjoy a delicious handcrafted five-course brunch along with the sensational song stylings of the fabulous Skye Dee Miles. The delicious handcrafted five-course brunch created by Executive Chef David James Robinson. Skye, affectionately known as Black Sunshine, has been 22

a favorite of Las Vegas audiences for the past 15 years. For more info visit: https://bit.ly/2XTE2ng

SEPTEMBER

SEPT 4 - 6 | GOLF & FOOD FEST Welcome to the celebration of everything that makes Lake Las Vegas great. Golf, Food, Drinks, Music, Dancing and so much more. What was formally the May Day’s Event, the Lake Las Vegas Golf & Food Festival is now the annual celebration for Lake Las Vegas. For more info visit: lakelasvegasfestival.com SEPT 4 - 7 | GREEK PICNIC It’s about that time you experience a greek picnic Vegas style! Let us introduce you to Las Vegas and what it has to offer the right way. This weekend will be filled with events that will make you wish it won’t ever stop! For more info visit: vegasgreekpicnic.com SEPT 11-12 | MESQUITE RIB FEST The CasaBlanca Rib Fest will fire up the streets of Mesquite with award-winning barbecue competi(. . .continued on page 24)


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LOCAL EVENTS GUIDE

LAS VEGAS 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) tion teams. Vendors will also serve up mouthwatering ribs and other savory barbecue classics, alongside a beer garden serving craft beers and specialty liquor. Guests can also enjoy live entertainment, kid-friendly activities and other surprises to guarantee a flavorful weekend. For more info visit: https://bit.ly/30Kl1Fu

OCTOBER

OCT 1 - 4 | FOOD & WINE FESTIVAL This is a festival featuring the world’s top spirits & wines like no other! Escape the real world for a stylistic drama combining incredible wines. For more info visit: vegasfoodandwine.com OCT 2 - 4 | BLUEGRASS FESTIVAL Viva Las VeGrass is known for having the “best bands you never heard of!” We have the best food trucks in the valley and a beer garden with several local craft brewers. Also amazing vendors featuring items made from organic, sustainable, all-natural and recycled materials. Hiking, kids activities, communal art activities and more! For more info visit: vivalasvegrass.org 24

OCT 24 | BLACK LAS VEGAS FOOD FESTIVAL Celebrating Black Culture with Everyone! The Black Las Vegas food festival is the largest festival in Las Vegas focusing on black culture. Fantastic food, unbelievable music, and family fun! For more info visit: https://bit.ly/33QEmXI

NOVEMBER

NOV 10 - 12 | NEVADA OPEN Mesquite, Nevada is proud to present the 2020 Nevada Open Golf Championship at the Palms and CasaBlanca golf courses. With over 40 years of championship history, the Nevada Open is one of the most respected and anticipated golf tournaments in Nevada. For more info visit: https://bit.ly/3isaWDh NOV 28 - 29 | HOLIDAY CRAFTVILLE GIFT BAZAAR Join the BEST LV Craft & Gift Show in Las Vegas. See for yourself why we are the longest running craft show in The Valley. It’s fun for the whole family! For more info visit: lvcraftshows.com


LOCAL EVENTS GUIDE

LAS VEGAS 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.

DECEMBER

DEC 5 | GREAT SANTA RUN The 15th annual Las Vegas Great Santa Run benefiting Opportunity Village takes place in Downtown Las Vegas. Choose from a 5K run or a one-mile walk. The event had 8,000 Santas last year, but is looking for 10,000 this year. For more info visit: https://bit.ly/2Dyjz0n DEC 11 - 12 | WINTERFEST Our special holiday presentation of WinterFest includes a variety of family-friendly activities. The theme Winter Blue Edition includes a variety of activities including the official tree-lighting ceremony, craft and food vendors, entertainment, and an evening parade. For more info visit: https://bit.ly/31Ag6WM

JANUARY

JAN 7 - 24 | JEWISH FILM FEST The Annual Las Vegas Jewish Film Festival should return and will be held over three weekends at four locations. For more info visit: lvjff.org

JAN 20 | DR. MARTIN LUTHER KING, JR. PARADE The Annual Dr. Martin Luther King, Jr. Parade - starting at Fourth Street and Gass Ave. at 10 a.m.The festival features cultural booths; car, motorcycle, and truck shows; a wide range of delicious food and beverage options; an elaborate parade, with performance groups and local political figures and celebrities joining in the festivities. For more info visit: kingweeklasvegas.com

FEBRUARY

FEB 11 - 15 | SHORT FILM FESTIVAL The Annual Dam Short Film Festival takes place at the fully restored Boulder Theatre in nearby Boulder City, Nevada. Their goal is to present over 100 of the highest-quality short films for attending audiences to enjoy, and the Festival had over 140 short films to screen in all genres. For more info visit: damshortfilm.org

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LOCAL EVENTS GUIDE

LAS VEGAS 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.

FEB 12 - 17 | CHINESE NEW YEAR Come celebrate as Chinese New Year begins in Las Vegas! Come celebrate the Year of the cow! For a city that enjoys celebrating cultural diversity, Chinese New Year in Las Vegas is a sight to see. For more info visit: https://bit.ly/2DykAFH FEB 27 | THE COLOR RUN The Color Run is a five-kilometer running event. Color Runners are doused from head to toe in a different colored powder. Participants wear white at the starting line and finish the race plastered in color. For more info visit: https://bit.ly/3kAm42U

MARCH

MARCH 17 | ST. PATRICK’S DAY The McMullan family welcomes you & yours to their little slice of Irish heaven that the Las Vegas Weekly calls “The Best Irish Restaurant in The West.” If you fancy a taste of the ultimate authentic Irish Pub experience, come on by! For more info visit: https://bit.ly/2XPNs30

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APRIL

APRIL 2 - 3 | FESTIVAL OF BEER Experience is an all-inclusive food and beverage experience in a competition setting that celebrates ALL things craft: beer, cocktails and culinary artists. Over 30 chefs, mixologists and breweries all competing to be the Mad Craft Champion! For more info visit: greatvegasbeer.com APRIL 23 - 24 | THE ULTIMATE WHISKEY EXPERIENCE Universal Whisky Experience is about providing the connoisseur, collector, enthusiast and premium spirits consumer, the most exclusive, luxurious and intimate whisky and spirits enjoyment at an elite luxury resort in the world capital of entertainment. For more info visit: universalwhiskyexperience.com APRIL 22 - 25 | BLACK FILM FEST Las Vegas Black Film Festival returns to celebrate the Black Impact on the Big Screen. Great films, special guests, awards, this event has it all. Plan to attend and get a chance to see the next generation


LOCAL EVENTS GUIDE

LAS VEGAS 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.

of movers and shakers before the rest of the world. For more info visit: lasvegasblackfilmfestival.com

MAY

MAY 24 | UNITED WAY GOLF BENEFIT Tee off for a great cause! The GOLF UNITED benefit will be played on Red Rock Country Club’s private, 18-hole Mountain Course, with panoramic views of cityscapes and towering mountains. Players will also have the opportunity to enjoy a poker challenge, award luncheon, Bloody Mary Bar and enter a drawing to win $10,000 or a trip to Hawaii. For more info visit: https://bit.ly/3fIRrEx MAY 26 - 29 | FILM FESTIVAL The Las Vegas Film Festival is a community of filmmakers and film-lovers drawn to the unique, curious and cultivating environment that is Las Vegas. The LVFF pushes the boundaries of cinema, annually presenting work by passionate, rebellious, and wild storytellers to an audience of local and national

filmmakers, film lovers, journalists, and film industry representatives. For more info visit: lvff.com MAY 29 | BEERFEST The MLBF features over 40 local and regional brewery tents each serving several of their best craft beers. The festival is open to the public to visit the vendor tents and restaurants. Grab your sunscreen and make plans with your friends to attend the MonteLago Beerfest! For more info visit: mlvbf.com

JUNE

JUNE 14 - 25 | RESTAURANT WEEK Las Vegas Restaurant Week has always been about sharing amazing culinary experiences with friends and family while supporting a good cause. Participating restaurants will serve prix-fixe menus at price points from $20.00 to $80.00 with a fixed portion of the meal’s cost being donated to Three Square food bank. For more info visit: helpoutdineoutlv.org

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LOCAL EVENTS GUIDE

LAS VEGAS 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.

JUNE 21 - 27 | WOMEN’S FILM FEST The Nevada Women’s Film Festival is an annual event to celebrate and support the fair representation of women in film. Our goal is to showcase films with a strong female presence, women at the helm, stories that depict women in a positive light and which display a diversity of worldview, background and experience. For more info visit: nwffest.com

JULY

JULY 15 - 18 | ELVIS FESTIVAL At this year’s festival we’re taking the audience on a journey of discovery, focusing each of our evening shows on one specific era in the King’s storied career. Thursday night’s show features a tribute to the Atomic Powered Singer and the years during which a boy from Memphis went from being a Hillbilly Cat, to being crowned King. For more info visit: https://bit.ly/3iwj31u

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AUGUST

AUG 3 - 8 | HOT AUGUST NIGHTS This event is open to all 1976 and older classic cars, pickup trucks, and emergency vehicles. There will be a car show, vendors, drag races, concerts, cruises, poker run, poker walk, and a parade.This up-and-coming event sounds like a great time for car enthusiasts! For more info visit: hotaugustnights.net AUG 23 - 29 | STOCK HORSE SHOW Promoting our sport, our western heritage and the rich history of the stock horse and its origination from the Spanish Vaquero tradition. For more info visit: nationalstockhorse.com


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TRENDING LOCATIONS FOR A GREAT VACATION

EXCITING TRAVEL

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

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

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3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the world’s only stadium built in its entirety of marble. This site is home to the first modern Olympics in 1896, where it held a 30

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


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10 Year Countdown

To Retirement

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

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

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

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

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

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

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

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 32


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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. 34


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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. 35


RECOMMENDED SERVICE DIRECTORY

BAKED GOODS Mrs. Bickels .................................................................. 9 BANKRUPTCY LAW Hurtik Law & Associates..................................18-19

PRIMARY CARE Family Doctors of Green Valley.........Front Cover Family Doctors of Green Valley ........Back Cover

CLEANING SERVICES Southwest Building Maintenance......................13

REAL ESTATE Gregg Luckner Parkside Realty & Management...........................3 Woodcock Real Estate Group...............................5

COMPUTER TRAINING Professional Institute of Technology..................7

RETIREMENT PLANNING Bauman Advisory Group ......................................21

DOG POOP REMOVAL Oh Crap ...........................................................................1

RV & MOTOR HOMES Van City RV ..................................................................11

ESTATE PLANNING Hurtik Law & Associates..................................18-19

SENIOR LIVING Revel Venada | Revel Vegas...........................16-17

FAMILY LAW Hurtik Law & Associates..................................18-19 Stacy M. Rocheleau Esq .......................................23 FOOD TOURS Lip Smacking Foodie Tours................................... 9 GLUTEN FREE DESSERTS Mrs. Bickels .................................................................. 9 LANDSCAPING US Lawns .......................................................................7 MEDICAL IMAGING CENTER Pueblo Medical Imaging........................................15 NONPROFIT American Red Cross ..................Front Inside Cover

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