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WHAT’S INSIDE TOURNAMENT SCHEDULES P G A • LPGA • GRAND SLAM TE N N I S RECOMMENDED SERVICE DIRECTORY INV E S TI NG • TRAVEL • LIVING
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FEATURES 4
Investing In The Future
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Exciting Travel Destinations
10 Senior Living 12 Luxury Living
2018 SCHEDULES 5
Grand Slam Tennis Tournaments
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PGA Tournaments
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LPGA Tournaments
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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.
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.
Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load.
Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.
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 4
2018 GRAND SLAM TOURNAMENT SCHEDULE
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TRENDING LOCATIONS FOR A GREAT VACATION
EXCITING TRAVEL
Destinations If you are looking for an exciting and affordable travel destination, consider the following destinations
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. (...continued on page 8) 6
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Erica Jones NYS Licensed Real Estate Salesperson Certified Pricing Strategy Advisor Cell: 315.440.3153 Office: 315.299.4277 ejones@tjmgproperties.com
www.tjmgproperties.com
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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 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.
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. 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.
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g n i v i L r o i n e S 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. 10
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.
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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 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. (...continued on page 14)
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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
Kathleen “Kathy” Pawlowski Licensed Associate Real Estate Broker
315-427-7604 CELL | kathypawlowski@cbpp.com
6800 East Genesee Street Fayetteville, NY 13066
For more information and to view my listings visit: www.kathypawlowski.com
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1. Graphic above is Gross of Fees and does not represent the effects additions/withdrawals would have on the portfolio. Past Performance does not guarantee future results. Source: Standard & Poor’s, Morningstar, and Pinnacle Capital Management LLC. 2. * For the 10 years ended 12/31/15, Benchmark Russell 10000 Value. Source: Morningstar, Russell, Vanguard, PSN Enterprise – Independent manager database compared strategyvs. 300 similar managers. • Actual performance results will be reduced by fees including, but not limited to, investment management fees and other costs such as custodial, reporting, evaluation and advisory services. Actual fees will vary depending on, among other things, the applicable fee schedule, the time period, investment performance and account size. For example, if $100,000 was invested and experienced a 10% annual return compounded quarterly for 3 years, its ending value, without giving effect to the deduction of advisory fees, would be $134,489 with an annualized compounded return of 10.38%. If an advisory fee of 1.50% of the average market value of the account were deducted quarterly for the 3-year period, the annualized compounded return would be 8.62% and the ending dollar value would be $128,149.”
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2018 LPGA TOURNAMENT SCHEDULE
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Offices located in Baldwinsville, NY & Utica, NY
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RECOMMENDED SERVICE DIRECTORY
ASPHALT PAVING Earth Road Inc.......................................................... 15
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CREDIT UNION Countryside FCU...................................................... 19
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GOLF APPAREL & ACCESSORIES Golf Locker ................................................................ 9 HOME CARE New Beginnings Home Care Inc. ....................... 13 Self-Direct Inc. ......................................................... 18 INVESTMENTS Pinnacle Investments LLC .................................... 17
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RESIDENTIAL & COMMERCIAL CONSTRUCTION
VC Associates ................................. Back Inside Cover SALES TRAINING Dale Carnegie of CNY ............................................ 19 SEAMLESS GUTTER J&B Seamless Gutter Company, Inc. .................. 17 TREE SERVICE Treelanders Tree Service ....................................... 13
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