DELAWARE VALLEY PENNSYLVANIA | VOL. 1
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
Senior Living
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Luxury Living
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Investing For The Future
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Destination Vacations
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20 Local Event Guide
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34 Saving For Retirement 40 Travel In Style 42
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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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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 12
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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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. 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.
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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.
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LOCAL EVENTS GUIDE
DELAWARE VALLEY OCTOBER
OCT 3 | Point Breeze Night Market For its last roving food festival of the year, The Food Trust brings its Night Market to Point Breeze for a celebration of food, drinks and fun. Inspired by Asia’s exciting outdoor markets, the festival features an impressive line up of food trucks, mobile food vendors, roving drink vendors and live performances. For more info visit: http://bit.ly/dv-oct3 OCT 11-13 Octoberfest at Dilworth Park Octoberfest is a fantastic 3-day festival that celebrates the whimsy of autumn with all the trimmings! Seasonal foods provide a taste of fall flavor, while Maker’s Mark bourbon cocktails keep the crowd warm and toasty. Seasonal craft beers like Victory Brewery’s Festbier and Goose Island will be featured while local bands and DJs will perform throughout the weekend on the Met Philadelphia stage. For more info visit: http://bit.ly/dv-oct11
NOVEMBER
NOV 1-2 | Taste Philadelphia TASTE! PHILADELPHIA Festival of Food, Wine & Spirits is a premier food and drink event, created with the discerning taste buds of the Philadelphia region in mind. Being held this year at the Valley Forge 20
Casino Resort’s newly renovated convention center, TASTE! PHILADELPHIA will indulge attendees with an abundance of eating, drinking, and of course, FUN! For more info visit: http://bit.ly/dv-nov1 NOV 16 | First Person Arts Festival Chris Lundy, one of First Person Arts’ most popular hosts, returns to host the 18th Annual First Person Arts Festival GrandSlam. This season’s StorySlam winners go head-to-head for the title of “Best Storyteller in Philadelphia,” free First Person Arts Slam admission for life, a $250 cash prize, and bragging rights. Contestants try to win over celebrity judges with their most outrageous, gutsy, and heartfelt personal tales.. For more info visit: http://bit.ly/dv-nov16 NOV 23 | Christmas Village Running in its 12th season, Christmas Village in Philadelphia will transform LOVE Park into an authentic German Christmas market. The event will run from Thanksgiving through Christmas Eve (November 28th – December 24th, 2019) with a Preview Weekend on November 23rd and 24th. Over 80 vendors offer their unique giftware and delicious European food specialties! Always a must-see: the famous German vendor Käthe Wohlfahrt, which features genuine (. . .continued on page 24)
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German ornaments and Christmas gifts. Christmas Village Carousel and more vendors are extending festivities to the City Hall Courtyard. For more information please visit: http://bit.ly/dv-nov23
DECEMBER
DEC 7 | Parade of Lights A favorite annual holiday event at Independence Seaport Museum. After an afternoon of fun, a parade of local working boats will take to the river illuminated in lights for all to see. For more information visit: http://bit.ly/dv-dec7 DEC 8 | Bacon and Beer Fest Mark your calendars for the afternoon of Sunday, December 8, when bacon-and-beer lovers will gather for a two-and-a-half-hour feasting frenzy at the swanky Hotel Monaco Philadelphia in Old City. For more info visit: http://bit.ly/dv-dec8 DEC 14 Valley Forge Beer & Cider Festival This thirst-quenching pay-oneprice tasting experience, called “a not-to-be-missed event for fans of real beer” by Drink Philly, will be fun-filled day for all—the beer lover and the cider drinker. The event will break all records of years past with over 150 beers and ciders for sampling. Shoulder to shoulder 24
with the most popular local breweries and cideries will be amazing producers from across the country and around the world. For more info visit: http://bit.ly/dv-dec14 DEC 14 | Coffee & Tea Festival Join more than 50 exhibitors from around the nation as they pour tastings of their finest coffees and teas, and introduce you to new and award-winning products! This international extravaganza celebrating all things coffee and tea will offer two days of seminars from wellknown industry pros and pioneers, pairings, tastings and more! http://bit.ly/dv-dec14-tea
JANUARY
JAN | Wednesday Nights at the Philadelphia Art Museum Experience everything the museum has to offer—at your own pace and price every Wednesday night. Admission is Pay What You Wish from 5:00 to 8:45 p.m. Enjoy yoga, light bites and drinks, and evening access to the galleries. For more info visit: http://bit.ly/dv-jan-wed JAN 2-12 | Peddlers Village Stroll an enchanted Village and sip tasty beverages. Find perfect gifts in 60 specialty shops and boutiques. Enjoy fine dining or casual fare in your choice of restaurants. Ride (. . .continued on page 26)
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a 1920s carousel and play in the arcade. See a magnificent display of gingerbread houses. Spend the night in our elegant country inn. And enjoy the company of the people you love. For more info visit: http://bit.ly/dv-jan-pv THRU JAN 20 Dinosaurs Around the World An exhibit at the Academy of Natural Sciences of Drexel University shows how sea level fluctuations and volcanic activity caused dinosaurs to disperse all over the globe. Interactive components allow guests to touch fossil casts, name their own dinosaur and investigate what dinosaurs may have looked like millions of years ago. (215) 2991000. For more information visit: http://bit.ly/dv-ansp
FEBRUARY
JAN 30 - FEB 2 BeethovenNow: Daniil Trifonov Daniil Trifonov, the Orchestra’s Grammy-winning recording partner, returns for four performances. Amplifying the programs are two underappreciated works by formidable women composers: Lili Boulanger, the first woman to win, in 1913, the prestigious Prix de Rome composition prize, and Louise Farrenc, whose Symphony No. 2 dialogues with Beethoven, and leaves us asking why her works are not a more integral part of the canon today. For more information visit: http://bit.ly/dv-jan30 FEB 1-16 Getaway at the Greenhouse Fairmount Park Horticultural Center celebrates summer in winter, setting up a giant sandbox, live music, food trucks and Gaia, The Traveling (. . .continued on page 28)
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Artwork, British artist Luke Jerram’s spectacular giant globe of the Earth featuring detailed NASA photography. (215) 685-0096. For more info visit: https://myphillypark.org FEB 16 | Mummenschanz Theatrical whimsy meets silent storytelling in the uber creative Swiss troupe MUMMENSCHANZ. In this brand new show, these “dazzling and delightful” (The New York Times) musicians of silence take everyday objects and transform them into simple yet stunning shapes and forms, sparking true wonder in audiences of all ages. Bring the whole family for this visual spectacle – “Mumm’s the word for fun!” (New York Post). For more info visit: http://bit.ly/dv-feb16
MARCH
FEB 29-MAR 8 Philadelphia Flower Show The annual gardening celebration at the Pennsylvania Convention Center is the oldest and largest indoor show of its kind, with top-ofthe-line horticulture and landscape design, entertainment and more than 100 vendors. This year’s theme: “Riviera Holiday.” (215) 988-8800. For more info visit: http://bit.ly/dv-feb29
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JAN 18-MAR 22 Orchid Extravaganza Longwood Gardens creates an absolutely transcendent experience for orchid lovers, perching and planting the rarest and most beautiful of flora from conservatories to outdoors. (610) 388-1000. For more info visit: http://bit.ly/dv-orchid MAR 27-28 | Trinity Irish Dance Co Trinity Irish Dance Company is known for “impossibly complex” (The New York Times) and awe-inspiring progressive Irish dance. With hard-driving percussive power, lightning-fast agility and aerial grace, expect “award-winning exactness with an experimental edge” (The Chicago Tribune) as this troupe fuses Ireland’s vibrant tradition and legacy with ever-evolving, American innovation. For more info visit: http://bit.ly/dv-mar27
APRIL
MAR 30 - APR 6 | Philly Wine Week The annual eight-day festival returns for another year of wine-centric events, tastings, pairings and specials at bars and restaurants throughout Philadelphia. For more info visit: http://bit.ly/dv-mar30 APR 2-5 Philadelphia Fine Arts Fair Forty Philadelphia art galleries and (. . .continued on page 30)
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institutions—including the Barnes Foundation and Philadelphia Museum of Art—present contemporary works at the 23rd Street Armory for in a ticketed event to raise funds to help preserve the ctiy’s public art. For more information please visit: http://bit.ly/dv-apr2
city’s vibrant beer culture features events ranging from tastings of locally crafted brews in cozy neighborhood taprooms to educational offerings such as guided tastings, lectures and prix-fixe beer-pairing dinners.. For more information visit: http://bit.ly/dv-may29
MAY
JUN 27-28 | Manayunk Arts Fest Featuring artists from around the country, along with crafts, food and music, this two-day festival runs along Main Street in Philadelphia’s Manayunk neighborhood. (215) 4829565. For more information visit: http://bit.ly/dv-jun27
MAY 1-9 | Tech Week Business leaders and other self-proclaimed tech geeks—and the technically challenged—participate in more than 100 events, including a variety of programs, interactive activities and workshops that celebrate and highlight emerging trends, advances and innovating uses of technology. For more info visit: http://bit.ly/dv-may1 MAY 15-19 | Elektra Richard Strauss’ score hits center stage when Yannick Nézet-Séguin conducts The Philadelphia Orchestra and a talented vocal cast including soprano Christine Goerke, who takes on the role of the daughter who seeks to avenge her father’s death by murdering his killer, her mother. (215) 893-199. For more info visit: http://bit.ly/dv-may15
JUNE
MAY 29-JUN 7 | Beer Week The 13th annual celebration of the 30
JULY
JUL 17 | Haddonfield Crafts & Fine Art Festival The Haddonfield Crafts and Fine Art Festival is one of the area’s premier events, attracting crowds of more than 100,000 people. More than 250 artisans will exhibit a wide range of arts and crafts, including ceramics, glass, jewelry, wood, fiber, metal, paper, drawings, paintings, photography, and wearable art. For more info visit: http://bit.ly/dv-jul17 JUL 18-19 Bluegrass and Blueberries Festival Live country and bluegrass music and berries combine for a weekend-long midsummer celebration (. . .continued on page 32)
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at the summer festival at Peddler’s Village in lovely Bucks County. (215) 794-4000. For more information visit: http://bit.ly/dv-jul18-blue
AUGUST
AUG 7-9 Peach Festival and Sidewalk Sale If it’s in season, it’s celebrated at Peddler’s Village, and August means peach pie, peach ice cream, peach preserves—and a summer sale to boot. (215) 794-4000. For more information please visit: http://www.peddlersvillage.com AUG 13-16 Philadelphia Folk Festival Philadelphia’s answer to Woodstock, now in its 59th year, attracts musicians, storytellers and craftspeople for a weekend of song and merriment at Old Pool Farm in Schwenksville. (800) 556-FOLK (3655). https://pfs.org AUG (TBA) | 2nd Street Festival Northern Liberties, the neighborhood that helped launch Philly’s craft beer craze, closes down North 2nd Street for a family-friendly festival of beer gardens, food, workshops, art, street performances and two stages for live music. For more info visit: http://bit.ly/dv-aug-2nd
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SEPTEMBER
SEPT 11-13 | Honey Festival The Philadelphia Beekeepers Guild organizes this annual event, now in its 11th year, featuring hive demonstrations, honey tastings and other family-friendly activities. Three historic locations (Glen Foerd on the Delaware, Wyck Historic House and Bartram’s Garden) each hosts one day of the festival. For more info visit: http://bit.ly/33RgwIq SEPT 12-13 | Mushroom Festival Kennett Square’s 35th annual Mushroom Festival puts the fun in fungi during a weekend of music, food, contests, exhibits and activities in the “Mushroom Capital of the World.” (610) 925-3373. http://bit.ly/2XiattM
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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.
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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. 36
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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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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. 40
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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. 41
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HOME CARE
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CHURCH
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Oliver Heating, Cooling, Plumbing & Electrical........5
Gannon Insurance Agency Inc............Back Inside Cover
ESTATE PLANNING AND ADMINISTRATION Stephenson Insurance Agency.......... Front Inside Cover L. Theodore Hoppe Jr. - Attorney at Law......37 LIFE INSURANCE FAMILY LAW Paul Montefiore Jr. - Creative Financial Group...13 L. Theodore Hoppe Jr. - Attorney at Law......37 LUXURY TRAVEL FINANCIAL PLANNING Professional Travel....................................................31 Paul Montefiore Jr. - Creative Financial Group...13 MEMORIAL INSCRIPTIONS FLOORING Beechwood Memorials..........................................39 Oakley Commercial Flooring Contractors, Inc... 17 MEMORIAL MARKERS FUNERAL HOME Beechwood Memorials..........................................39 Goldsteins’ Rosenberg’s Raphael-Sacks Inc... 9 MOVING FUNERAL SERVICES Riley & Sons Moving and Storage.....................35 Goldsteins’ Rosenberg’s Raphael-Sacks Inc... 9 (. . .continued on page 44)
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RECOMMENDED SERVICE DIRECTORY NON PROFIT ORGANIZATION American Red Cross...................................................3 People’s Light..............................................................19 PAIN MANAGEMENT Pennsylvania Pain & Spine Institute.................39 PERSONAL CARE Riddle Village..............................................Back Cover PERSONAL INJURY L. Theodore Hoppe Jr. - Attorney at Law......37 PLANT NURSERY Paxson Hill Farm.........................................................11 PROBATE Law Office of Kathryn A Meloni Esq PC.........29
SHORT & LONG TERM DISABILITY Pond Lehocky................................................................1 SKILLED NURSING Riddle Village..............................................Back Cover SOCIAL SECURITY DISABILITY Pond Lehocky................................................................1 STORAGE Riley & Sons Moving and Storage.....................35 SYNAGOGUE Congregation Beth Or............................................37 TRAVEL / FULL SERVICE Professional Travel....................................................31
REAL ESTATE Karen Pagano Cedrone - Keller Williams.........11
WEALTH MANAGEMENT Brumbaugh Wealth Management......................15 Paul Montefiore Jr. - Creative Financial Group...13
REHAB Riddle Village..............................................Back Cover
WILLS & ESTATES Law Office of Kathryn A Meloni Esq PC.........29
RETIREMENT COMMUNITY Riddle Village..............................................Back Cover
WILLS & TRUSTS Hamburg, Rubin, Mullin, Maxwell & Lupin PC.......7
RIVER CRUISES Professional Travel....................................................31
WORKERS COMPENSATION Pond Lehocky................................................................1
SENIOR COMMUNITY Meridian at Eagleview............................................43
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