The 55 Guide - Tucson

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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

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Senior Living

10

Destination Vacations

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Luxury Living

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Local Event Guide

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27 Saving For Retirement 30 Travel In Style 32

Recommended Service Directory

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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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TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations. 1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach.

History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.

4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture. 11


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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. 12

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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. 14




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LOCAL EVENTS GUIDE

TUCSON OCTOBER

OCT 5-6 | Annual Art in the Park The talents of the members cover a wide range of artistic media; including oil, acrylic, and watercolor painting, pastel, drawing, photography, sculpture, ceramics, pottery, printing, stained glass, metalwork, basketry, jewelry, crafts, fiber/textiles, leather, scratchboard, and wood. For more information visit: http://bit.ly/tuc-oct5 OCT 12-13 | Patagonia Fall Festival Now in its 31st year, the festival attracts more than 15,000 visitors to Patagonia’s lovely tree-shaded park in the center of town over a festive weekend, presented by the Southern Arizona Arts & Cultural Alliance in partnership with the Sky Island Tourism Association. For more info visit: http://bit.ly/tuc-oct12 OCT 18-20 | Willcox Wine Festival Featuring 15 of Arizona’s best wineries along with over 70 non-winery vendors including fine arts, artisan foods, vintage vendor and non-stop entertainment. Catered by Big Tex Bar-B-Que featuring a pig roast & smoked brisket with hot buttered corn on the cob and potato salad. Cochise Graham Wine Council partners will be pouring wine. Ticket includes dinner and an 8-flight wine tasting. Our featured entertainer for 18

the evening will be Courtney Cotter King. http://bit.ly/tuc-oct18

NOVEMBER

NOV 1-3 | Fall Arts & Crafts Fest Festivals have been a tradition in Tubac since 1959. Southern Arizona’s longest running art festival, the Tubac Festival of the Arts has a 60 year tradition that draws tens of thousands of visitors each season. The juried event showcases the work of visiting artists from around the country and as far away as Canada. Each year, approximately 200 visiting artists exhibit their works along the village streets, mixed in with the more than 100 shops, fine art galleries and working artist studios. For more information visit: http://bit.ly/tuc-nov1 NOV 1-3 | All Souls Procession This event is huge. More than 150,000 people gather downtown, some in costume, some carrying memorials or altars to celebrate, mourn and reflect on those who have died. There’s music. There are dancers. There is a ton of creative energy. The group walks about two miles together to watch a finale that includes performances by Flam Chen and the burning of the urn. . For more information visit: http://bit.ly/tuc-nov1-asp

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TUCSON

NOV 30 | Parade of Lights The Downtown Tucson Partnership was proud to present the Mister Car Wash 25th Annual Parade of Lights & Festival! The Parade of Lights & Festival is Downtown Tucson’s premier holiday event, celebrating the spirit of the holiday season and Tucson’s unique culture. For more info visit: http://bit.ly/tuc-nov30

DECEMBER

DEC 5-30 | Zoo Lights Get ready for Holiday Magic: Twinkling lights, hot chocolate, and family fun. It’s the most wonderful time of the year at Zoo Lights: Holiday Magic, presented by Tucson Electric Power! Sip hot chocolate as you stroll through the twinkling lights of Tucson’s favorite holiday tradition. Over one million twinkling lights illuminate the beautiful Zoo grounds with sounds of the season flowing throughout the Zoo. For more info visit: http://bit.ly/tuc-dec5 DEC 7 Annual Tamal & Heritage Festival The festival is a celebration of tamales from the Southwest and Mexico, which includes a tamale contest, local entertainment and artisan, food and farmers market vendors. For more info visit: http://bit.ly/tuc-dec7

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DEC 13-14, 20-21 Holiday Nights a Million Lights Holiday Nights is fun for everyone! Stroll along paths garlanded with over a million twinkling lights while musicians and artists perform throughout the Gardens. Who can resist a sing-along or viewing the stars through a telescope? You’re sure to enjoy the many distinct performances located throughout the Gardens while you sip hot chocolate and enjoy tasty treats! Not finished with your holiday shopping? Peruse the Museum gift shops where you are sure to find a unique gift for that special someone or purchase the gift of a membership to Tohono Chul. For more information visit: http://bit.ly/tuc-dec13

JANUARY

JAN 10-20 | Tucson Jazz Festival Jazz in January is the non-profit organization which presents the annual HSL Properties Tucson Jazz Festival each January. The festival is two-weeks long (2020 dates are 1/10-1/20), the centerpiece of which is the free daylong Downtown Jazz Fiesta on MLK day featuring two outdoor stages and performances at multiple venues in downtown Tucson. World-class jazz acts ranging from straight ahead to contemporary jazz are featured at The Fox Tucson Theatre, Club Congress and (. . .continued on page 22)



LOCAL EVENTS GUIDE

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other downtown venues. For more information please visit us at: http://bit.ly/tuc-jan10 JAN 17-19 | Wings Over Wilcox The Wings Over Willcox Birding & Nature Festival takes place during the MLK weekend with daytime and evening activities. The festival is a wonderful opportunity to see the winter migrants and southwest bird species that are found in the Sulphur Springs Valley. Our festival also provides many opportunities to explore nature in Southeast Arizona through tours for photography, geology, archeology, history, botany, agriculture, and ranching. Free seminars about many different topics are offered throughout the day in the community center. Willcox is situated east of Tucson, Arizona and is a scenic drive of about an hour and fifteen minutes on I-10. Participants can stop in during a day trip, or check out our Area Attractions links for food and lodging options. http://bit.ly/tuc-jan17 JAN 18-19 La Encantada Fine Art Festival From metalwork to locally-designed fashion, the La Encantada Fine Art Festival is sure to be a visual surprise for all ages. The majestic garden courtyard of La Encantada stages the visual fine art festival, featuring the finest artwork in 22

Southern Arizona and captivating performances set in breath-taking mountain views as attendees browse extraordinary art in all forms. http://bit.ly/tuc-jan18

FEBRUARY

FEB 8 | Savor Food & Wine Fest A collaborative culinary festival celebrating our region’s culinary best! The Southern Arizona Arts & Cultural Alliance, Local First Arizona and the Tucson Botanical Gardens partner to present Southern Arizona’s most well revered celebration of the culinary arts. For more info visit: http://bit.ly/tuc-feb8 FEB 15 | Cruise, BBQ & Blues Fest The event invites thousands of people out to rev up the weekend with live oldies music, kids’ activities and great food. With 20 different classes of auto awards given in Best of Show, Best Interior, Best Paint, Best Engine and People’s Choice. The one day event will feature live Blues music on the main stage, classic BBQ on the grill, and an endless supply of everything we have come to love about fast cars and classic auto! http://bit.ly/tuc-feb15 FEB 15-23 La Fiesta de Los Vaqueros Western heritage meets extreme sport when cowboys and cowgirls come to town. It’s non-stop action (. . .continued on page 24)


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with bull riding, bareback and saddle bronc riding, steer wrestling, team and tie-down. Cowgirls take the reins in barrel racing. Come join the excitement! For more info visit: http://tucsonrodeo.com/

MARCH

MAR 1-8 | Winter Chamber Music When you love chamber music, the opportunity to experience all it has to offer within a short period is thrilling. The juxtaposition of well- known pieces and unexplored compositions over the course of a week during which brilliant musicians come to the stage in different arrangements makes the festival unique. http://bit.ly/tuc-mar1 MAR 13-15 Ballet Tucson Spring Concert George Balanchine’s Concerto Barocco is the dance visualization of Johann Sebastian Bach’s Concerto in D minor for Two Violins. As relevant today as it was on New York City Ballet’s debut program in 1948, Ballet Tucson dances this newest Balanchine acquisition with verve and panache. http://bit.ly/tuc-mar13 MAR 28-29 Spring Festival of the Arts The Spring Festival of the Arts has quickly become one the largest regional art events in Southern Arizona. Held twice annually, this two24

day festival features up to 150 artists and exhibitors in all mediums, live strolling performances, food vendors and family arts activities. http://bit.ly/tuc-mar28

APRIL

APR 3-5 | Tucson Folk Festival The Tucson Folk Festival is a FREE and accessible three-day event celebrating Americana/Folk Music traditions and all the wonderful variations, including American bluegrass, blues, country, jazz, Celtic, zydeco, and various styles of Latin and Mexican music! This annual family-friendly festival is held in some of the most historic sections of downtown Tucson: Jacome Plaza, La Cocina, Presidio Museum and surrounding area. For more info visit: https://www.tucsonfolkfest.org APR 11-12 | Tombstone Rose Tree Parade & Festival The 2020 Rose Festival will celebrate the 134th blooming of the World’s Largest Rose Tree. The ‘Softer Side of Tombstone’ is celebrated each spring with the Tombstone Rose Festival. The annual celebration is sponsored by the Tombstone Vigilettes, a non-profit, charitable organization of ladies portraying The Women of Tombstone, Arizona from 1880 to 1915. For more information visit: http://bit.ly/tuc-apr11


LOCAL EVENTS GUIDE

TUCSON MAY

APR 23-MAY 5 Agave Heritage Festival Agave Heritage Festival is a citywide, ten-day destination event that spotlights the southwest region through the lens of the agave plant. Agave Heritage Festival celebrates the unique importance of the agave plant and the borderlands culture with seminars, trade shows, and world-class culinary events. For more information please visit: http://bit.ly/tuc-apr23 MAY 15-17 Willcox Wine Spring Festival Featuring 15 of Arizona’s best wineries along with over 70 non-winery vendors including fine arts, artisan foods, vintage vendor and non-stop entertainment. For more info visit: http://bit.ly/tuc-may15

JUNE

JUN 14 Ted DeGrazia Birthday Celebration Every year on June 14th, from 10-4, we celebrate Ted DeGrazia’s birthday with free cake and ice cream (while supplies last)! Stroll through the 10-acre gallery grounds on this special day to see the art and architecture of Arizona’s acclaimed artist as we celebrate his birth in the copper mining camp of Morenci on June 14, 1909. This event is open to the public and offers free admission for the day! http://bit.ly/tuc-jun14 JUN 27 Tucson 23 Mexican Food Festival The event will feature weekend stay-cation packages, food demos and education, live music and more. The fourth annual event on Father’s Day Weekend in 2019 continues to establish the event as a Tucson (. . .continued on page 26)


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favorite signature event celebrating some of the best Mexican food in the region. http://bit.ly/tuc-jun27

helped to define the times in which he worked. For more information please visit: http://bit.ly/tuc-aug18

JULY

AUG 2 World Margarita Championship Southern Arizona Arts & Cultural Alliance and Tucson Original Restaurants partner together to bring you the World Margarita Championship, an unforgettable evening of spirited cocktail competitions, tastings of world class Margaritas and tequilas, cuisine of the southwest, and more. http://bit.ly/tuc-aug2

JUL 25 | HarvestFest A great way for us to kick-off our Harvest Season! This is a grand festival, with hundreds of guests participating in the activities including grape stomping competitions, horse-drawn vineyard tours, along with tastings and pairings showing off our signature wines. You will not want to miss out on our VIP Experience get your tickets fast as these sell out every year! For more info visit: http://bit.ly/tuc-jul25 JUL 29 - AUG 1 Southwest Wings Summer Fest Consistently voted one of the top 5 birding and nature festivals in the country. Southwest Wings is an educational celebration of the diversity of birds, mammals, reptiles, and insects, in their environment; the sky islands in southern Arizona. http://bit.ly/tuc-jul29

AUGUST

AUG 18 | Justin Hayward - Concert Justin Hayward’s voice has been heard the world over. Known principally as the vocalist, lead guitarist and composer for the Moody Blues, his is an enduring talent that has 26

SEPTEMBER

SEPT 3-6 Tucson Gem & Jewelry Show The JOGS Tucson Gem and Jewelry Show is one of the U.S. best selling event year after year – and one of the top markets in the country. This exciting gem and jewelry show event draws buyers from all over the world. https://jogsshow.com SEPT (TBA) | Salsa, Tequila & Tacos Tequila infused popsicles, snocones, and mixed drinks will surprise attendees with refreshing colors, while kimchi, blueberry-jalapeno and “Smokeless Fire” salsas will spice up their palettes. . For more information please visit: http://bit.ly/tuc-sept-stt


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10 Year Countdown

To Retirement

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

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study. (. . .continued on page 28)

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

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

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 28


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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.)

• Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 30


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To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag. Roll all items tightly! It saves space, and keeps everything from wrinkling. I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive. Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

TRAVEL WARDROBE Underwear 6 undergarments 6 pairs of socks Pajamas (your choice) Outerwear 2 tee shirts 2 button down shirts (one dressy, one casual) 2 pairs of pants (one jean, one black trouser) 1 pair of shorts 2 jackets (one leather, one raincoat) 1 cashmere sweater (pullover or cardigan) 1 bathing suit 1 basic black blazer (can be worn day or night) Accessories Scarves (colorful, lightweight) Belts (at least one black) Jewelry (a few pop pieces) 1 tie (traditional or bow tie) Shoes One heel or dress shoe One pair of flats (for day or night) One pair of sandals

Feel good, and look even better! Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down. Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years. Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe. Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years. 31


RECOMMENDED SERVICE DIRECTORY

AUDIOLOGIST Arizona Hearing Specialists.....................................1

PROPERTY MANAGEMENT Diamond Resorts.......................................................15

CONSTRUCTION Lloyd Construction Company Inc........ Front Inside Cover

RECYCLING Hughes Sanitation Services................................... 9

DRAIN REPAIR Silverado Rooter & Plumbing...............................13

RETIREMENT PLANNING Premiere Retirement Planning & Wealth Management......... Front Cover, 5, 16-17

FINANCIAL ADVISOR Dan Kalota - Wells Fargo Advisors......................7 HEALTH CARE MHC Healthcare.....................................................23 INSURANCE Rightsure Insurance Group...................Back Cover LIVER HEALTH CLINIC Arizona Liver Health.................................................21 MORTGAGE Sun American Mortgage............Back Inside Cover NON PROFIT ORGANIZATION American Red Cross.................................................19 PLUMBING Silverado Rooter & Plumbing...............................13

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SENIOR LIVING Mountain View Retirement Village....................21 TRASH SERVICE Hughes Sanitation Services................................... 9 TRUSTS & ESTATES The Reidhead Law Group........................................3 VETERINARIAN PAWS Veterinary Center.......................................25 WEALTH MANAGEMENT Premiere Retirement Planning & Wealth Management......... Front Cover, 5, 16-17




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