What is your next destination ?
10-11 Brown Bag 20-21 Ebay Vs. Trademarks 22-23 The Asado A meat lover’s dream 26-27 From Battlefield to boardroom 28-29 Lisboa 38-41 Success & Beauty 42 El Mojito
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Movie review Pag. 30-31
On the cover
“Old Glory� A beautiful symbol of patriotism, unity and freedom. 6- www.fiestamericanamag.com / July- August
10-11 Brown Bag 22-23 The Asado. A meat lover’s dream 26-27 From Battlefield to boardroom 28-29 Lisboa - Travel 38-41 Success & Beauty 42 El Mojito - Drinks 48-49 Putting herself First
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health nutrition
A 25-year-old who eats breakfast at home and bags her lunch can save an extra $10 a day. Invested in a retirement account earning an 8 percent average annual rate of return, those savings could generate more than $1 million by age 67. This hypothetical example shows how making small changes in behavior may ultimately yield big results, according to Elaine Sarsynski, executive vice president of MassMutual Retirement Services. It’s especially instructive when it comes to retirement savings, she says, as many Americans maintain they don’t have the money to contribute to their employer’s retirement plan such as a 401(k), 403(b) or 457. “Many of us never think twice about how much we really spend on expenses such as dining out, the interest we pay on credit cards, or even cable channels that we no longer watch,” Sarsynski says. “If you track your expenses and think about what you really need, many of us can find money to save and invest.”
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Farnoosh Torabi, bestselling author and financial planning coach, agrees with Sarsynski’s assessment and recommends several personal and household expenses to examine for potential savings: * Reign in big expenses. If your monthly rent or mortgage is eating up more than 25 percent of your takehome pay, look at ways to reduce this big expense. If you have a mortgage, refinancing might be an option. Renters can sometimes renegotiate a lower rent as good tenants are hard to find. * Trim smaller costs. Brown bagging is one way to save. Track all your expenses to determine where else you might cut back. It’s amazing how extra expenses such as $3 lattes and $10 iTunes down-loads can add up. * Stick to cash. Using cash instead of credit can save you up to 20 percent. Not only do you incur fewer interest charges, you may ultimately defer some expenses until you have the cash. * Attack high-interest debt.
Credit cards typically represent the most expensive debt so pay off this debt as soon as possible. When you’re debt free, continue paying the same monthly amount to your retirement plan instead. * Get professional tax help. If you’re middle-aged or older, rely on a certified public accountant to make sure you’re taking advantage of all of the various tax credits and deductions that come from having children, owning a home or contributing to IRA. Put your tax savings or rebate in your retirement account. * Dump unnecessary baggage. As we get older, we tend to accumulate more things than we need or can reasonably use. Consider saving by downsizing to a smaller home, selling an extra car you no longer use, and clearing out your basement, garage or attic by selling unneeded household items in a tag sale.
* Cut the cable. Re-examine your roster of cable TV channels; you may find you are paying premium prices for channels you rarely watch. * Spend time rather than money. It’s always tempting to spoil grandkids, nieces and nephews with gifts. You can save money by cutting back on the presents and giving the kids what they really want: your time and attention. “We all spend more money than we realize on things that don’t necessarily contribute to our happiness or quality of life,” Torabi says. “By taking a hard look at our spending, most of us can find money to contribute to our retirement plan and, ultimately, improve our quality of life when we are no longer working.”
For more information about planning your retirement, go to www.RetireSmart.com.
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auto
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web news
culinary
private tours available
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travel
movies 30- www.fiestamericanamag.com / July- August
Universal Pictures' "Jurassic World" dinosaur spectacle is set to become the fastest film to gross $1 billion in box office receipts worldwide on Monday, after last week's record-breaking opening. The movie, which stars Chris Pratt and Bryce Dallas Howard, is expected to hit the milestone just 13 days after its release, the studio said. The previous record was set by Universal's "Furious 7" car-filled action film, which topped $1 billion globally in 17 days after its April release this year. Over the weekend, "Jurassic World" scored the highest-grossing second week at the domestic box office with $106.6 million, topping $400 million in North America in 10 days. "Jurassic World," a co-production with Legendary Pictures which rebooted Steven Spielberg's dormant "Jurassic Park" franchise nearly 15 years after the first trilogy ended, is the latest film for Comcast Corp-owned Universal Pictures to score big at the box office this year. Courtesy of Reuters.com
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“We live in an era of globalization and the era of the woman. Never in the history of the world have women been more in control of their destiny.” “Vivimos en una era de globalización y la era de la mujer. Nunca ellas habían tenido tanto control de su destino.” Oscar de la Renta
fashion 32- www.fiestamericanamag.com / July- August
Our last goodbye to the great Dominican American fashion designer Who would have been 83 years old this July. (22 July 1932 – 20 October 2014)
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carmae.com Do you know who owns the big companies you order office supplies from? Has the Presidents of any of those companies ever call you? When you Carmae Office supplies you will speak to the owner who cares about your business! Binders & Binding Supplies Calendars, Planners & Briefcases Cash/Check Handling Computer Hardware, Supplies & Data Storage Files & Filing Supplies Forms, Record Keeping & Reference Furniture & Room Accessories Janitorial/Maintenance & Lunchroom Supplies Labels, Label Makers, Tags & Stamps Mailroom & Packing Materials Office Equipment & Equipment Supplies Paper, Envelopes & Mailers Pens & Desk Supplies Presentations & Meeting Supplies Mailing Address: Carmae Office Products, Inc. P.O. Box 1381 Springfield, VA 22151 Physical Address: Carmae Office Products, Inc. 5605 Iona way Alexandria Va 22314 Shipping Address: Carmae Office Products, Inc. 4551 Eisenhower Ave Bay 655 Alexandria VA 22304 4551 Eisenhower avenue Bay number 655 Alexandria Virginia 22304 Phone Fax Email (703) 321-3339 (703) 321-9099 sales@carmae.com July- August / www.fiestamericanamag.com -37
peolpe 38- www.fiestamericanamag.com / July- August
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drink of the month
patriotism 48- www.fiestamericanamag.com / July- August
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