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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

Investing For The Future

6

Senior Living

10

Saving For Retirement

18

Luxury Living

21

Local Event Guide

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26 Destination Vacations 30 Travel In Style 32

Recommended Service Directory

• Promote your brand • Earn new clients • Grow your business www.The55Guide.com

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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 4

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. 6

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 8)


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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 8

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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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. 12

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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.

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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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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. 18

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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. 20


LOCAL EVENTS GUIDE

LOWCOUNTRY AUGUST

AUG 6, 13, 20 | HarbourFest HarbourFest at Shelter Cove Harbour & Marina on Hilton Head Island, S.C. is a weekly celebration during the summer with live music and entertainment, arts & crafts, kids activities and Tuesday night fireworks. For more information visit: http://bit.ly/low-aug6 AUG 30 | Bluffton Oyster Roast With its five-story tree house and expansive views of the May River, oyster roasts at Moreland Landing are a holiday tradition. We invite you to become a part of the tradition. Our chefs will cook up fresh oysters along with a Lowcountry boil and a host of other sides and fixins. For more information please visit: http://bit.ly/low-aug30

SEPTEMBER

SEPT 19 | Sweet Tea Festival Decide for yourself which sweet tea

creation deserves the 2019 People’s Choice award at Summerville’s eighth-annual festival. This threeday celebration kicks off with a traditional street fest, followed by a silent disco block party, and screening in the park of Mary Poppins Returns. Come back for the tea-tasting event, where the unique twists to this classic Southern drink aren’t the only items of interest—enjoy food trucks, craft booths, and stay to see who gets crowned Mister and Miss Sweet Tea. For more information visit: http://bit.ly/low-sept19 SEPT 22-28 | Estill Fall Festival The annual Estill Fall Festival features many events, including a Gospel Program, Talent Show, Fashion Show, Senior Fun Day, Street Dance, Parade and many more attractions. For more information please visit: http://bit.ly/low-sept22 (. . .continued on page 22)


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SEPT 26-OCT 6 | MOJA Arts Fest A Celebration of African-American and Caribbean Arts. Selected as one of the Southeast Tourism Society’s Top 20 Events for many years, the MOJA Arts Festival promises an exciting line-up of events with a rich variety of traditional favorites. For more information please visit: http://bit.ly/low-sept26

OCT 19-20 | Habersham Harvest Festival This favorite Lowcountry street festival features a vintage fair theme with family activities, celebrated local food purveyors and artisan crafts set against the backdrop of timeless southern architecture on Market Street. For more information visit: http://bit.ly/low-oct19

OCTOBER

NOVEMBER

OCT 4-5 | Beaufort Shrimp Festival Locals and visitors alike will gather for the two-day celebration at the Henry C. Chambers Waterfront Park on Friday, October 4 and Saturday, October 5. This Lowcountry heritage event features local coastal cuisine, live music, and more! For more info visit: http://bit.ly/low-oct5

NOV 15-16 | Hot Air Balloon Festival Charleston’s ONLY Hot Air Balloon Festival! Balloons. Polo. Fashion. Food. In its fourteenth year, this event isn’t just a polo match it’s a networking and social destination drawing thousands for each event. With events throughout the United States, The Victory Cup has become known as “America’s Polo Match!” Come on out and enjoy a gorgeous

OCT 4 | Archaeology of Beer Beer is the foundation of civilized life as we know it. Beginning 10,000 years ago, brewing led to the development of agriculture, settled life, and a myriad of other inventions. This presentation will take you from ancient Mesopotamia, China, and Egypt to the jungles of the Amazon to learn some of the science behind how beer is made and to see how it has impacted our lives in ways we likely never think about. For more info visit: http://bit.ly/low-oct4

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NOV 2 | 18th Annual Harvest Fest Come on down to Johns Island County Park for foot-stompin’ live music from five local bluegrass bands, hay rides, pumpkin decorating, archery, and more. Feast on Southern delights like finger-lickin’ Carolina barbeque, kettle korn, and all of your favorite festival foods! Once you’ve eaten your fill, head on over to the crafters market for some great for holiday shopping! For more information please visit: http://bit.ly/low-nov2

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day of green grass, majestic horses, heart pounding polo, dozens of food and alcohol partners, and beautiful hot air balloons!. For more info visit: http://bit.ly/low-nov15 NOV 30 | Holiday Swing The Charleston Jazz Orchestra always looks forward to this holiday concert. Maestro Robert Lewis and our 18-piece big band will swing you into the holiday spirit with popular hits from Season 11, plus big band arrangements of holiday favorites. Add a little jazz to your holiday cheer with this popular Charleston tradition! For more information visit: http://bit.ly/low-nov30

DECEMBER

DEC 1-31 | Holiday Festival of Lights More than just a driving tour, we invite you to park your car and explore. A magnificent sculpture made from over 50 tons of sand, an up-close look at the lights during a ride on the holiday train, mouth-watering treats from Santa’s Sweet Shoppe, Giant greeting cards created by local students, The Victorian carousel, Visiting with Santa, and much, much more.... For more info visit: http://bit.ly/low-dec-lights DEC 21 | Handmade Holidays Art Show Join us for our final show of the year! Find your perfect gift made 24

with the loving hands by South Carolina artisans at the Handmade Holidays Art Show! Artists will be demonstrating and sharing special, one-of-a-kind, handmade gifts for all your gift giving needs. Refreshments will be served. For more info visit: http://bit.ly/low-dec21

JANUARY

JAN 23-26 | Charleston Jazz Fest The 6th Annual Charleston Jazz Festival will present performances by a wide variety of talented jazz artists. From legends of jazz to emerging artists, to Charleston’s most celebrated home-grown talent, artists of the Charleston Jazz Festival will perform a wide range of styles including Swing, Salsa, Blues, Brazilian, the American Songbook and more. For more information visit: http://bit.ly/low-jan23 JAN 26 | Lowcountry Oyster Fest The Lowcountry Oyster Festival is the world’s largest oyster festival and has been named one of the “top 20 events in the southeast” by Southeastern Tourism Society. Highlights include the legendary “Oyster Shucking” and “Oyster Eating” Contests, live music on the main stage, wine, a selection of domestic and imported beers, a Children’s Area and a “Food Court” showcasing a variety of local favorite restaurants to satisfy everyone’s taste. For more


LOCAL EVENTS GUIDE

LOWCOUNTRY info visit: http://bit.ly/low-jan26

FEBRUARY

FEB 1 | Sweetheart Charity Ball Join us for an evening of fine food and drinks, both silent and live auctions, and live entertainment to support the homebound in Greenville County. In 2019, Meals on Wheels were able to fund over 50,000 meals thanks to your generous donations, auction purchases and sponsorships of the Sweetheart Ball. For more information visit: http://bit.ly/low-feb1 FEB 24 - MAR 1 | Hilton Head Island Seafood Festival The Hilton Head Island Seafood Festival is a family friendly, week-long culinary and cultural tourism event, where top chefs, mixologists, sommeliers, local seafood, artisans, live music and wildlife come together. The 13th annual Hilton Head Island

Seafood Festival, hosted by the David M. Carmines Memorial Foundation, a 501c3 non-profit organization helps raise money for other non-profit organizations including the Coastal Discovery Museum, Island Recreation Scholarship Fund, Waddell Mariculture Center, Port Royal Sound Foundation, Gullah Heritage Museum and Medical University of South Carolina. For more info visit: http://bit.ly/low-feb24

MARCH

MAR 4-8 | Charleston Wine + Food Join us in Marion Square, various locations downtown and around Charleston for exclusive dinners, wine tastings, workshops, excursions, and seminars. Charleston Wine + Food is a cultural entity that champions the region’s unique foodways through world-renowned culinary experiences. For more info visit: http://bit.ly/low-mar4 (. . .continued on page 28)


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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 Eco-tourism 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.

cafes and restaurants, exciting night life and a 24 hour a day culture. 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 on-site excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.

4. Tel Aviv, known as the nonstop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great 27


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MAR 15 | Hilton Head St. Patrick’s Day Parade Céad míle fáilte! (A hundred thousand welcomes.) Join us to celebrate the 37th Annual Hilton Head Island St. Patrick’s Day Parade on Sunday, March 15th, 2020, 3pm... the oldest St. Patrick’s Day parade in South Carolina! Sláinte! For more info visit: http://bit.ly/low-mar15

APRIL

MAR 29 - APR 5 | Inspire Festival An 8-day celebration of food and the arts featuring an outdoor Dinner on Main and Concert event, live performances and much more! For more information please visit: http://bit.ly/low-inspire APR 3-4 | Enchanted Chalice Renaissance Faire The Faire has been delighting faire-goers in the Upstate since 2011. Join over 2100 visitors and 60 vendors for a two-day festival. Entertainment is presented on a full stage with amplified professional sound. Delectable food and a variety of drinks are available. For more info visit: http://bit.ly/low-apr3

MAY

MAY 2 | Rosewood Crawfish Fest Lots of fresh crawfish and other tasty treats, live music, arts and crafts vendors, carnival rides, 5K 28

crawdaddy dash run, and more. For more information please visit: http://bit.ly/low-may2 MAY 14-17 | Greenville Greek Fest For four fun-filled days, Greenville becomes ‘Greekville’ as the magic of Greece comes to town! This ‘Glendi’ or party will begin on May 14th, 2020, with authentic Greek food served in the Church’s Hellenic Center during lunch and dinner. Outside food booths will offer Greek favorites: gyros, souvlaki, tiropita, Greek fries, Greek sausage, saganaki, Greek burgers, calamari and much more. Mouth-watering native Greek food will be abundant! For more information please visit: http://bit.ly/low-may14

JUNE

MAY 22 - JUN 7 Spoleto Festival USA For 17 days and nights each spring, Spoleto Festival USA fills Charleston, South Carolina’s historic theaters, churches, and outdoor spaces with performances by renowned artists as well as emerging performers in opera; theater; dance; and chamber, symphonic, choral, and jazz music. For more information please visit: http://bit.ly/low-spoleto


LOCAL EVENTS GUIDE

LOWCOUNTRY JUN 12-21 Chautauqua June Festival 10-day festival of non-stop live history with 30 shows performed in costume by nationally acclaimed historical interpreters. For more info visit: http://bit.ly/low-jun12 JUN 28 Lowcountry Blueberry Festival Join us for the opening of our pickyour-own blueberry season, blueberry lemonade, freshly harvested honey, the Blueberry Toss, live music, great food, and more. For more info visit: http://bit.ly/low-jun28 JUN (TBA) | Charleston Carifest Join us on this 4-day Caribbean cultural festival including carnival street parade, performers, music, food and more. For more info visit: http://bit.ly/low-carifest

JULY

JUL 4 | 4th of July Lowcountry Enjoy one of the many venues

during the holiday, and celebrate your Independance. Some notable venues are: Celebration on Lake Murray, Hillbilly Day @ Mountain Rest, North Charleston 4th Fest @ Riverfront Park, and Kaminski House Museum 4th of July Concert. Have a safe and fun 4th of July. JUL 9-11 | Festival of Discovery The festival celebrates the history, culture, food, arts, crafts, music and people that make South Carolina and Greenwood County such an incredible place to live and visit. For more information please visit: http://bit.ly/low-jul9 JUL (TBA) | SC Peach Festival Join the 4-day event with a “peachy� carnival, parade, food vendors, road races, contests, pageant, live music, mud bog, car and bike show. For more information visit: http://bit.ly/low-peachfest


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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 AUDIOLOGIST Kalady Audiology.....................................9 AUTO DEALERSHIP Hilton Head Honda / Mercedes Benz of Hilton Head....... Front Cover, Back Cover BANKING CPM Federal Credit Union.................5 EXTERMINATOR Hilton Head Exterminators............. 29 FINANCIAL ADVISOR Thomas Johnson - Edward Jones....... 21 GOLF CLUB Pinecrest Golf Club.........................16-17 HANDYMAN SERVICES Handyman Connection of Charleston.... 19 HEATING & AIR CONDITIONING Rudd Heating & Air...... Front Inside Cover HISTORICAL FOUNDATION Historic Charleston Foundation..... 3 INSURANCE C.T. Lowndes & Company.................. 15 INTERIOR DESIGN Decorating Den Interiors................. 23 PHYSICIAN HOME VISITS Doctors Making Housecalls...................1, Back Inside Cover

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PRIMARY CARE & GERIATRICS Doctors Making Housecalls...................1, Back Inside Cover REMODELING Handyman Connection of Charleston.... 19 RESIDENTIAL & COMMERCIAL WATER TREATMENT Culligan of Charleston....................... 25 RESORT & SPA The Westin Hilton Head Island Resort & Spa......................... 11, 19 REVERSE OSMOSIS DRINKING WATER Culligan of Charleston....................... 25 SENIOR LIVING Royal Oaks Senior Care........................7 The Blake at Carnes Crossroads...... 13 VACATION RENTALS Beach Properties of Hilton Head..... 11 VOLUNTEER OPPORTUNITIES Historic Charleston Foundation..... 3 WEDDING & EVENT VENUE Pinecrest Golf Club.........................16-17




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