The 55 Guide - South Central PA

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SOUTH CENTRAL PENNSYLVANIA | VOL. 1

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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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

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. 1


CO NTE NT S FEATURES 1

Investing For The Future

4

Senior Living

8

Luxury Living

12

Destination Vacations

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Local Event Guide

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23 Saving For Retirement 26 Travel In Style 28

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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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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. 8

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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. 10


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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 histor y. 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 discover y 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 Conser vation 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.

restaurants, exciting night life and a 24 hour a day culture. Histor y 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 centur y-BC ruins. Tel Aviv is also the technology and financial center of Israel.

4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and 13


LOCAL EVENTS GUIDE

SOUTH CENTRAL PA OCTOBER

OCT 4-6 Carlisle Barracks Oktoberfest Carnival, food and arts & crafts fair. Carnival tickets are $1 or 40 tickets for $35. There is also an unlimited rides band that lets you go till you drop. An assortment of festival food is available for purchase.The event is organized by Army, Morale, Welfare & Recreation, which has been hosting the festival at Carlisle Barracks since 2008. For more info visit: http://bit.ly/scpa-oct4 OCT 5-13 | Nat’l Apple Harvest Fest 50+ years of food, crafts and music on the first two weekends in October. Orchard tours, petting zoo, craftsmen demonstrations, antique cars, crafts, live music and more. Held at the South Mountain Fairgrounds. For more information visit: https://www.appleharvest.com

NOVEMBER

NOV 2 - JAN 1 Koziar Christmas Village Driving through the darkened countryside and coming over that last hill on the unlit country road is like driving into a fairyland. Suddenly you find yourself in a dazzling valley set aglow with more than one million Christmas lights adorning buildings, gift barns, and landscape. A reflective lake adds to the stun14

ning beauty of this magical place. For more info visit: http://www. koziarschristmasvillage.com NOV 12 - DEC 29 | Peter Pan This high-flying musical follows Peter and his mischievous fairy sidekick, Tinkerbell, as they visit the nursery of the Darling children late one night and, with a sprinkle of pixie dust, begin a magical journey across the stars that none of them will ever forget. For more info visit: http://bit.ly/scpa-nov12

DECEMBER

NOV 15-JAN 01 Hershey Sweet Lights A winter wonderland awaits at Hershey Sweet Lights, A Holiday Drive-Thru Spectacular. Enjoy nearly 600 illuminated, animated displays from the comfort of your car as you drive through two miles of wooded trails. For more info visit: http://bit.ly/scpa-nov15 DEC 21-22 Festival of Trees & Toy Train Exhibit Six themed Christmas trees are exhibited for viewing. Beautifully decorated with handmade ornaments and trimmed by local garden clubs the trees are available for raffle Toy trains and Christmas are the stuff of memories. View passenger trains, freight trains and scenes


LOCAL EVENTS GUIDE

SOUTH CENTRAL PA reminiscent of Pennsylvania attractions and countryside at this annual event. For more information visit: http://bit.ly/scpa-dec21

JANUARY

JAN 11-12 | Harrisburg Symphony Shoot for the Stars Indulge in some interplanetary musical travel via Gustav Holst’s astrology-inspired orchestral suite, The Planets, accompanied by hi-def video, much of it containing NASA footage. On the first half, brilliant virtuoso pieces by Richard Strauss and Samuel Barber. For more info visit: http://bit.ly/scpa-jan11 JAN 23-26 | PA Auto Show With more than 30 manufacturers on display, don’t miss the PA Auto Show. Whether you are in the market for a new vehicle, want to check out the latest in automotive technology, or just love cars, the Pennsylvania Auto Show is the place to be. Come see hundreds of new cars, trucks, sport/utility vehicles, alternative fuel vehicles and more that will turn the PA Farm Show Complex into an automotive showroom. Visit a showcase of certified pre-owned vehicles for a chance to win a vehicle worth at least $25,000 or even get behind the wheel of a hot new ride and take it for a spin. For more information please visit: http://bit.ly/scpa-jan23

JAN 29 | Nimbus Dance Works Jersey City-based Nimbus Dance Works focuses on the intersection between high-level dance and innovative ways of involving communities and audiences. In addition to choreography by artistic director Samuel Pott (former soloist for Martha Graham Dance Company), look for an evening of commissioned work by international choreographers including Darshan Singh Bhuller (London Contemporary Dance Theatre) and Dawn Marie Bazemore (Philadanco). For more info visit: http://bit.ly/scpa-jan29

FEBRUARY

FEB 14-16 | Rose & Shamrock Celtic Festival This family friendly event brings in over 3,000 people and is host to: Celtic Bands Celtic Living History Irish Dance Competition Bagpiping Competition ​Axe throwing Celtic Food Celtic Arts Demonstrations in Celtic Dance and instruments and so much more! For more info visit: https://www.roseandshamrock.org FEB 26 | Masters of Illusion American Music Theatre Starring the world’s greatest award-winning magicians, this 21st century magic show is unlike anything you have seen before – filled with modern illusions and arts of (. . .continued on page 16)

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deception, performed live on stage. Watch closely as you experience things that just can’t be done … or can they? Audiences will be held at the edge of their seats by the jaw-dropping grand illusions, and laugh out loud at the hysterical comedy magic as performers from around the world combine fantasy, fervor, and flair with magic created in front of their very eyes. For more info visit: http://bit.ly/scpa-feb26 FEB 29 - MAR 1 | Lisa Broman Sings Broadway The San Francisco Chronicle described Lisa Vroman as “a musical and theatrical marvel.” Come hear one of Broadway’s biggest stars and most versatile singers as she joins Stuart and the HSO for an evening of musical theater classics including songs by Irving Berlin, Cole Porter, Rodgers & Hart, and Andrew Lloyd Webber. http://bit.ly/scpa-feb29

MARCH

FEB 1 - MAR 8 | Amélie Based on the award-winning French film, this charming musical shares the life of a shy, yet whimsically altruistic French waitress, Amélie Poulain. Step into the magical, fantasy-filled world of Amelie, an imaginative dreamer who finds her voice, discovers the power of connection, and sees possibility 16

around every corner. For more info visit: http://bit.ly/scpa-amelie MAR 7 | Ice & Fire Festival The City of Harrisburg will present the third annual Ice & Fire Festival in Downtown Harrisburg. Featuring dozens of illuminated ice sculptures, an ice skating rink, performances by local school and community groups, fire dancers, food trucks and more, the event is Harrisburg’s largest winter festival. For more info visit: http://bit.ly/scpa-mar7 MAR 21-22 | WoodCarving Festival Carvers of all sorts, sizes, sexes, skills, styles, sensitivities, sharpness, silliness, seriousness, etc. gathered to celebrate and promote woodcarving, whittling and wood sculpting in the heart of PA Dutch country.. For more information please visit: http://bit.ly/scpa-mar21

APRIL

APR 4 | Rails & Ales Rails & Ales, our fifth annual craft beer tasting event, will be held among the world-class collection of historic trains inside the Railroad Museum of Pennsylvania’s 100,000 square foot Rolling Stock Hall. The event features numerous craft breweries and several food vendors (separate charge for food).. For more info visit: http://bit.ly/scpa-apr4 (. . .continued on page 18)


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APR 17-18 PA Herb & Garden Festival This 2 day event is held each April and features nationally known Speakers, Workshops, and Vendors of Plants, Herbal Crafts, Products for the Gardener, Cook, and Crafter. For more information please visit: http://www.paherbfest.com

MAY

MAY 2 | MakerShift Midtown Fest Experience a true passion for making. MakerShift Midtown is a free family friendly annual festival of the Greater Capital Region that celebrates makers and encourages a public conversation about how science, technology, engineering, arts and math (STEAM) is changing how we live, work and play in the 21st Century. For more information visit: http://bit.ly/scpa-may2 MAY 15-16 | Rhubarb Festival In the heart of Lancaster County, we’ve been celebrating rhubarb for over 30 years. I love this time of year when our village comes alive with the sweet aroma of rhubarb jam bubbling in our kettles. Rhubarb is the harbinger of spring in Pennsylvania Dutch Country, and every year Kitchen Kettle Village pays tribute with a two-day food festival filled with delicious and sometimes zany events. http://bit.ly/scpa-may15 18

JUNE

JUN 12-20 Vanya & Sonia & Masha & Spike Chekhov, who is alive and well in Bucks County, Pennsylvania, where adult siblings Vanya and Sonia reside in their old family home, mourning their lost dreams and missed opportunities. When their often-wrong, fortune-telling maid warns of impending dangers, and their movie star sister, Masha, arrives unexpectedly with young, sexy, boy toy, Spike, the family is launched into a rollicking weekend of one-upmanship, exposed nerves, and a lot of broken mugs. With wit and absurdity, Christopher Durang’s Vanya and Sonia and Masha and Spike blends Chekhov’s famous ennui with the modern-day toils and troubles of celebrity, social networking, and age into a laugh-out-loud comedy that will tickle your funny bone and stimulate your mind. For more information please visit: http://bit.ly/scpa-jun12 JUN 12 | Roots and Boots Tour Here’s a powerhouse country concert you won’t want to miss! Aaron Tippin, Collin Raye, and Sammy Kershaw join forces to present an evening filled with stories and songs as they get back to the roots of their music. Aaron, Collin, and Sammy have amassed almost 70 combined (. . .continued on page 20)



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Top 40 hit singles. Some of Aaron’s songs are “You’ve Got to Stand for Something,” “There Ain’t Nothin’ Wrong with the Radio,” and “Kiss This.” Collin is known for “Love Me,” “In This Life,” and “That’s My Story.” Sammy’s hits include “Queen of My Double Wide Trailer,” “She Don’t Know She’s Beautiful,” and “Third Rate Romance.”. For more info visit: http://bit.ly/scpa-jun-roots

JULY

JUN 5 - JUL 3 Robin Hood the Musical Robin Hood is the outlaw of Sherwood Forest, leading a merry life with his followers. Anyone needing a place to live or food to eat is welcome in the greenwood. Impoverished citizens led by Robin are waging a battle against the evil Prince John. He has taken the place of King Richard the Lion-Hearted, who has gone on a crusade. Lady Merle of Cornwall, however, hopes to make John more acceptable to the people of England by forcing Maid Marian, Robin’s childhood sweetheart, to marry the Prince. It’s up to Robin to stop the marriage, defeat a nasty sheriff and secure Nottingham for the king’s return. For more info visit: http://bit.ly/scpa-jun5

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JUL 4 Food Truck & Fireworks Fest The largest July 4th celebration in Central Pennsylvania is right here in Harrisburg! On July 4th, we celebrate our independence with a food truck festival, fireworks show, live music, and family activities. The event will feature 40+ food trucks serving up a wide variety of delicious eats. For more information visit: http://bit.ly/scpa-jul4

AUGUST

AUG 8 - NOV 1 PA Renaissance Faire A cast of hundreds of colorfully costumed characters fill the Shire with music, dancing, and more. With over 90 stage shows daily, over 20 Royal Kitchens, and scores of artisan merchants with handcrafted wares, the PA Renaissance Faire invities guests to immerse themselves in our 35-acre village and experience the fantasy! For more info visit: http://bit.ly/scpa-aug8 AUG 31 - SEP 2 | Kipona The festival features more than 30 food vendors, 2 live music stages with more than 30 bands, Artist Market with handmade arts and crafts, Family Fun Zone, Native American Pow-Wow, Biergarten, (. . .continued on page 22)


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LOCAL EVENTS GUIDE

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Festival of Colors, canoe and kayak races, crab cake eating contest, carnival games, the Annual Duck Derby rubber duck race in the Susquehanna River to benefit Making Strides Against Breast Cancer and much more! Fireworks will be held on Sunday, September 1 at approximately 8:15pm. For more info visit: http://harrisburgpa.gov/kipona-2/

SEPTEMBER

SEP 11 - SEP 13 | Dauphin County Jazz & Wine Festival Pack a blanket and chair and come see national and local recording artists in a serene and beautiful park. Enjoy top regional wineries, along with food and craft vendors. Fort Hunter Park is located at 5300 N. Front Street, Harrisburg, PA 17110. Children 12 and under are free of charge and do not require a ticket. For more information please visit: http://bit.ly/scpa-sep11

SEP 5-6 | Heart of Lancaster Arts and Crafts Show Select Artists and Craftsmen from Pennsylvania and nearby states displaying their finest work. There is also a delicious variety of foods prepared for your eating pleasure and live entertainment by the Jazz Group “Over Easy.� We will have 200 Juried Artists and Craft Persons exhibiting at the show. For more info visit: https://www.hlcshow.com/


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10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less. • D . o a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point. • D . on’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study. (. . .continued on page 24)

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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. 24

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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. 26


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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. 27


RECOMMENDED SERVICE DIRECTORY

ACCOUNTING Hamilton & Musser PC...............................................3 AUTO DEALERSHIP Lancaster Nissan.......................................................17 CREDIT UNION Wheatland Federal Credit Union.......................22 CUSTOM CLOSETS California Closets..........................Front Inside Cover CUSTOM LOG HOMES Highline Construction..............................................19 FINANCIAL PLANNER Fischer Financial Services, Inc.............Back Cover FURNITURE REFINISHING Livingston Enterprises.................Back Inside Cover HEAVY TINDER FRAMES Highline Construction..............................................19

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HOME CARE Cross Keys Village.......................................................5 Landis Communities................................................21 LANDSCAPES Cobblestone Landscape.........................................11 LIVE ENTERTAINMENT American Music Theatre...........................................7 NEW HOME CONSTRUCTION Highline Construction..............................................19 OUTDOOR LIVING Cobblestone Landscape ........................................11 RETIREMENT COMMUNITY Cross Keys Village.......................................................5 Landis Communities................................................21 TRUSTS & ESTATES Spencer Law Firm...................................................... 9




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