9 minute read
Grand Slam Tennis Tournaments - US Open
from Coachella CA
by The 55 Guide
2021 GRAND SLAM TOURNAMENT
SCHEDULE * Schedule subject to change ** Start Times Listed in EST
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SESSION DATE SCHEDULE PLAY START MATCHES
1 Sun 30 Aug Day 11.00am Men’s / Women’s 1st Round 2 Sun 30 Aug Night 7.00pm Men’s / Women’s 1st Round 3 Mon 31 Aug Day 11.00am Men’s / Women’s 1st Round 4 Mon 31 Aug Night 7.00pm Men’s / Women’s 1st Round 5 Tue 1 Sep Day 11.00am Men’s / Women’s 2nd Round 6 Tue 1 Sep Night 7.00pm Men’s / Women’s 2nd Round 7 Wed 2 Sep Day 11.00am Men’s / Women’s 2nd Round 8 Wed 2 Sep Night 7.00pm Men’s / Women’s 2nd Round 9 Thu 3 Sep Day 11.00am Men’s / Women’s 3rd Round 10 Thu 3 Sep Night 7.00pm Men’s / Women’s 3rd Round 11 Fri 4 Sep Day 11.00am Men’s / Women’s 3rd Round 12 Fri 4 Sep Night 7.00pm Men’s / Women’s 3rd Round 13 Sat 5 Sep Day 11.00am Men’s / Women’s Round of 16 14 Sat 5 Sep Night 7.00pm Men’s / Women’s Round of 16 15 Sun 6 Sep Day 11.00am Men’s / Women’s Round of 16 16 Sun 6 Sep Night 7.00pm Men’s / Women’s Round of 16 17 Mon 7 Sep Day 11.00am Men’s / Women’s Quarterfinals 18 Mon 7 Sep Night 7.00pm Men’s / Women’s Quarterfinals 19 Tue 8 Sep Day 11.00am Men’s / Women’s Quarterfinals 20 Tue 8 Sep Night 7.00pm Men’s / Women’s Quarterfinals 21 Wed 9 Sep Night 7.00pm Women’s Semifinals 22 Thu 10 Sep Day 12.00pm Mixed Doubles Final / Men’s Semifinals
23 Fri 11 Sep Day 12.00pm Men’s Doubles Final / Women’s Final 24 Sat 12 Sep Day 1.00pm Women’s Doubles Final / Men’s Final
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.
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.
Feel good, and look even better! 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
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.
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. • Do 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. • Don’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.
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.
Save the easy way
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.
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.
Pay down the mortgage
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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