Central New Jersey by The 55 Guide

CENTRAL NEW JERSEY | VOL. 2

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 6

Philanthropy or Charity

Interior Design Trends

Estate Planning

28 Local Event Guide 40 Travel Destinations

44 Relax in Retirement 48 Fashion Trends 51

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CO NTE NT S 2021 SCHEDULES 18

PGA Tournaments

LPGA Tournaments

Grand Slam Tennis Tournaments - Australian

Grand Slam Tennis Tournaments - French

Grand Slam Tennis Tournaments - Wimbledon

Grand Slam Tennis Tournaments - US Open

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PHILANTHROPY OR CHARITY

According to the Dictionary, charity and philanthropy are two different things. CHARITY Charity is the voluntary giving of help, typically money, to those that are suffering or in need. It tends to address an immediate problem and is a compassionate response to a natural disaster, or a token of support for the victim of crime or violence, for example. Charity can also address immediate needs for food, shelter or medical care. It is a short term response, although one may give frequently to a particular cause.

PHILANTHROPY Philanthropy is more strategic in that it seeks to root out causes of the problem and to develop long term solutions. Striving for long term solutions to problems such as addiction, housing shortages, or hunger takes time, study, and planning. This is where charity comes in, providing direct relief for people in immediate need.

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CENTRAL | NEW JERSEY | VOL . 2

also may offer some additional advantages. For example, a qualified charity may receive your IRA with no tax consequences since charities do not pay taxes. Appreciated assets are also beneficial as a gift to a charity, as capital gains tax can be avoided.

Both charity and philanthropy possess the same goals of addressing needs and making the world a better place but with different approaches. One deals with direct relief and the other with root causes and finding solutions. Is one better than the other? Of course not! They are just two different ways of solving problems and both are essential to the functioning of a decent society. Recently, there have been changes to the tax code regarding charitable giving. Three Acts have been passed recently - The Tax Cuts and Jobs Act of 2017 (TCJA), the Setting Every Community Up for Retirement Enhancement Act (SECURE) and the Corona Virus Aid, Relief and Economic Security Act (CARES). All have some impact on deductibility of charitable contributions. They

Another way to contribute is through a community foundation, which is a grant making public charity that is dedicated to improving lives in a particular community. Individuals, families, businesses and non-profit groups establish funds within the foundation in which they can contribute assets for charitable purposes. The foundation manages the assets and takes suggestions from those that set up the fund on how and where to distribute the resources. There are over 700 community foundations in the United States. Whether one chooses charity or philanthropy, the ultimate goal is to help the community by using personal skills and resources to make a difference.

CENTRAL | NEW JERSEY | VOL . 2

r o f s d Tren

INTERIOR DESIGN

2021

Due to the events of 2020, people have more interest than ever in the design of their home environment. Being at home more means lots of lifestyle adjustments and being able to use space for multiple reasons is now imperative. It also makes us more aware of our surroundings. Whether it’s more comfort for all that zoom time, a functioning home office, craft room or remote learning space, adjustments need to be made. Zoom has become an integral part of most peoples’ lives as a way to maintain businesses and family relationships which means the right space for it is needed. It might be the office, dining room or even a comfortable

CENTRAL | NEW JERSEY | VOL . 2

couch, but it’s recommended that the space faces a window for natural lighting. Try to avoid the bedroom. Have the camera slightly above eye level and consider the background. Bookshelves are nice as well, or a favorite painting – and the background color should complement one’s skin tone as well. If a designated office is now needed, a bedroom or extra closet can be converted with the installation of a built-in desk and shelves. The garage may be available for a craft room. In the end, it’s all about flexibility in

these stay-at-home times. One simple way to make changes is thru the use of color. This year Pantone has named two colors to its yearly color of the year award - Ultimate Gray and Illuminating Yellow. These are certainly appropriate choices for the year as they complement each other. Gray represents neutrality and balance and yellow represents the sun and sunflowers and is a happy color full of hope and positivity which is surely needed right now. It is easy to use these colors to brighten up a room without major expense. Accessories also are an easy way to add color and change an area’s vibe. New pillows, area rugs, throw blankets, or wall art will also freshen up any space. Start small and if the change is

CENTRAL | NEW JERSEY | VOL . 2

pleasing, continue on. Another easy change is adding selfadhesive removable wallpaper. It is great for a bathroom or closet and if it gets tiresome, it is easily removed. Living walls are a new concept for residential use. Bring nature indoors with a wall of edible or decorative plants. They contribute to improved indoor air quality and people are happier, healthier and less stressed when surrounded by plants. If not quite ready for a living wall, just adding some plants or native orchids can make a huge difference. The most important design trends for 2021 are to make one’s home environment functional and comfortable for all the activities happening there.

CENTRAL | NEW JERSEY | VOL . 2

DO YOU HAVE AN UP-TO-DATE

ESTATE PLAN?

The first thing to understand is that writing a will and having an estate plan are actually two different processes, even though an estate plan will include a will.

Wills Creating a will can be a fairly simple process. It will address who will take care of your children, who will take over your business, and who receives your assets and other personal property. A will requires the naming of an executor responsible for fulfilling the deceased’s wishes. Having one’s wishes defined in a will ensures privacy, helps avoid family disputes and saves money by avoiding probate and the expense of attorneys and public trustees to determine the distribution of assets which then becomes public information.

Estate Planning Estate planning is the process of designating who will manage and distribute assets after death or incapacitation. It is a more intensive process and includes a variety of documents including the last will and testament. While it may be overwhelming to contemplate, a well-designed estate plan will ensure that assets are distributed according to one’s wishes. In addition to the last will and testament, 14

CENTRAL | NEW JERSEY | VOL . 2

an estate plan might include a living will, a financial power of attorney, a living trust, and beneficiary designations. An estate plan can be particularly helpful in the case of multiple marriages, business ownership, specific charitable donations, or specific requests for health or property. It can also ensure wishes are carried out and that assets are distributed as designated.

Living Will A living will is a document that describes the type of care one would want if incapacitated and cannot speak for themself. This can assist the family with difficult decisions and avoid confusion. A financial power of attorney allows for a designated appointee to handle financial affairs in the event of incapacitation. They can make financial decisions in accordance with the instructions defined in the estate plan.

Living Trust A living trust is a document created during one’s life where a designated person, the trustee, is given responsibility for managing that individual’s assets for the benefit of the eventual beneficiary. It is designed to allow for the easy transfer of assets, thereby avoiding probate. A living revocable trust allows someone to be their own trustee and allows for changes in beneficiary at any time. An

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irrevocable living trust is restrictive, and beneficiaries may not be changed but there are certain beneficial tax consequences. Beneficiary designations explain who receives which assets such as an IRA, insurance policy, savings account, or other financial instruments. A well-executed estate plan can minimize gift, estate and generation skipping transfer taxes to ensure that the family receives as much of the deceased’s estate as possible. Everyone’s plan is different and requires the right team of professionals to implement. It is also important to update the plan regularly as personal circumstances, legislation, and tax laws change frequently.

This article is for informational purposes only. Please consult a professional.

CENTRAL | NEW JERSEY | VOL . 2

2020-2021 PGA

TOURNAMENT SCHEDULE DATES

DEC 3 - 6 DEC 3 - 6 DEC 11 - 13 JAN 7 - 10 JAN 14 - 17 JAN 21 - 24 JAN 28 - 31 FEB 4 - 7 FEB 11 - 14 FEB 18 - 21 FEB 25 - 28 FEB 25 - 28 MAR 4 - 7 MAR 11 - 14 MAR 18 - 21 MAR 24 - 28 MAR 25 - 28 APR 1 - 4 APR 8 - 11 APR 15 - 18 APR 22 - 25 18

* Schedule subject to change

TOURNAMENT

DEFENDING CHAMPION

Mayakoba Golf Classic

Brendon Todd

Hero World Challenge

Henrik Stenson

QBE Shootout

Tiburon GC, Naples, FL

Rory Sabbatini, Kevin Tway

Sentry Tournament of Champions

Justin Thomas

Sony Open in Hawaii

Cameron Smith

The American Express

Andrew Landry $1,206,000

El Camaleon GC, Playa del Carmen, MEX Albany, New Providence, BAH

Plantation Course at Kapalua, Kapalua, Maui, HI Waialae Country Club, Honolulu, HI PGA WEST (Stadium), La Quinta, CA

Farmers Insurance Open Torrey Pines (South), San Diego, CA

$1,296,000 $1,000,000

$435,000

$1,340,000 $1,188,000

Marc Leishman $1,350,000

Waste Management Phoenix Open TPC Scottsdale, Scottsdale, AZ

Webb Simpson

AT&T Pebble Beach Pro-Am

Nick Taylor

The Genesis Invitational

Adam Scott

Puerto Rico Open

Viktor Hovland

World Golf Championships-Mexico Championship

Patrick Reed

Arnold Palmer Invitational presented by Mastercard

Tyrrell Hatton

Pebble Beach Golf Links, Pebble Beach, CA The Riviera Country Club, Pacific Palisades, CA Grand Reserve Country Club, Rio Grande, PUR Club de Golf Chapultepec, Mexico City, MEX Bay Hill Club & Lodge, Orlando, FL

$1,314,000 $1,404,000 $1,674,000 $540,000

$1,820,000 $1,674,000

THE PLAYERS Championship TPC Sawgrass, Ponte Vedra Beach, FL

The Honda Classic

PGA National (Champion), Palm Beach Gardens, FL

Sungjae Im $1,260,000

World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX

Corales Puntacana Resort & Club Championship Corales Golf Course, Punta Cana, DOM

Valero Texas Open

TPC San Antonio (AT&T Oaks), San Antonio, TX

Masters Tournament

Augusta National Golf Club, Augusta, GA

RBC Heritage

Harbour Town Golf Links, Hilton Head, SC

Zurich Classic of New Orleans TPC Louisiana, Avondale, LA

Webb Simpson $1,278,000

CENTRAL | NEW JERSEY | VOL . 2

2020-2021 PGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT

APR 29 MAY 2

Valspar Championship

MAY 6 - 9 MAY 13 - 16 MAY 20 - 23 MAY 27 - 30 JUN 3 - 6 JUN 10 - 13 JUN 17 - 20 JUN 24 - 27 JUL 1 - 4 JUL 8 - 11 JUL 15 - 18 JUL 15 - 18 JUL 22 - 25 JUL 29 AUG 1 AUG 5 - 8 AUG 5 - 8 AUG 12 - 15 AUG 19 - 22 AUG 26 - 29 SEP 2 - 5 20

* Schedule subject to change

DEFENDING CHAMPION

Innisbrook Resort (Copperhead), Palm Harbor, FL

Wells Fargo Championship Quail Hollow Club, Charlotte, NC

AT&T Byron Nelson

TPC Craig Ranch, McKinney, TX

PGA Championship

Collin Morikawa

Charles Schwab Challenge

Daniel Berger

The Memorial Tournament presented by Nationwide

Jon Rahm

KI Golf Rsrt. - Ocean Course, Kiawah Island, SC Colonial Country Club, Fort Worth, TX

Muirfield Village Golf Club, Dublin, OH

$1,980,000 $1,350,000 $1,674,000

RBC Canadian Open

St. George's G&CC, Toronto, ON, CAN

U.S. Open

Torrey Pines (South), San Diego, CA

Travelers Championship

Dustin Johnson

Rocket Mortgage Classic

Bryson DeChambeau

TPC River Highlands, Cromwell, CT

Detroit Golf Club, Detroit, MI

$1,332,000

$1,350,000

John Deere Classic TPC Deere Run, Silvis, IL

Barbasol Championship

Keene Trace Golf Club, Nicholasville, KY

The Open Championship

Royal St. George's GC, Sandwich, Kent, ENG

3M Open

TPC Twin Cities, Blaine, MN

Michael Thompson $1,188,000

Olympic Men's Golf Competition Kasumigaseki Country Club, Saitama, JPN

Barracuda Championship

Richy Werenski

World Golf Championships-FedEx St. Jude Invitational

Justin Thomas

Wyndham Championship

Jim Herman

THE NORTHERN TRUST

Dustin Johnson

BMW Championship

Jon Rahm

Tahoe Mt. Club (Old Greenwood), Truckee, CA TPC Southwind, Memphis, TN

Sedgefield Country Club, Greensboro, NC Liberty National Golf Club, Jersey City, NJ Caves Valley Golf Club, Owings Mills, MD

TOUR Championship

East Lake Golf Club, Atlanta, GA

$630,000

$1,820,000 $1,152,000

$1,710,000 $1,710,000

Dustin Johnson

CENTRAL | NEW JERSEY | VOL . 2

2021 LPGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT Diamond Resorts Tournament of Champions JAN 21-24 Four Seasons Orlando - Lake Buena Vista, FL FEB 25-28 Gainbridge Championship Drive On Championship at Golden Ocala pres. by MAR 4-7 JTBC Golden Ocala Golf and Equestrian Club - Ocala, FL Kia Classic MAR 25-28 Aviara Golf Club - Carlsbad, CA ANA Inspiration APR 1-4 Mission Hills Country Club - Rancho Mirage, CA LOTTE Championship APR 14-17 Ko Olina Golf Club - Kapolei, HI Hugel-Air Premia LA Open APR 22-25 Wilshire Country Club - Los Angeles, CA HSBC Women's World Championship APR 29-MAY2 Sentosa Golf Club (Serapong Course) - Singapore, Singapore Honda LPGA Thailand MAY6-9 Siam Country Club Pattaya Old Course - Pattaya City, Thailand Blue Bay LPGA MAY13-16 Jian Lake Blue Bay Golf Course - Hainan Island, China Pure Silk Championship MAY20-23 Kingsmill Resort Golf Course - Williamsburg, VA MAY26-30 Match Play Event TBD U.S. Women's Open JUN 3-6 Olympic Club (Lake Course) - San Francisco, CA LPGA MEDIHEAL Championship JUN 10-13 Lake Merced Golf Club - San Francisco, CA Meijer LPGA Classic JUN 17-20 Blythefield Country Club - Belmont, MI KPMG Women's PGA Championship JUN 24-27 Atlanta Athletic Club, The Highlands Course - Johns Creek, GA Volunteers of America Classic JUL1-4 Old American Golf Course - The Colony, TX Marathon LPGA Classic presented by Dana JUL8-11 Highland Meadows GC - Sylvania, OH Dow Great Lakes Bay Invitational JUL14-17 Midland CC (MI) - Midland, MI The Evian Championship JUL22-25 Evian Resort Golf Club - Évian-les-Bains, France

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$1,200,000

Gaby Lopez

$2,000,000 $1,500,000

Danielle Kang

$1,800,000 $3,100,000

Mirim Lee

$2,000,000 $1,500,000 $1,600,000

$1,600,000 $2,100,000 $1,300,000 $1,500,000 $5,500,000

A Lim Kim

$1,800,000 $2,300,000 $4,300,000

Sei Young Kim

$1,500,000

Angela Stanford

$2,000,000

Danielle Kang

$2,300,000 $4,100,000

2021 LPGA

TOURNAMENT SCHEDULE DATES JUL29-AUG 1 AUG 12-15 AUG 19-22 AUG 26-29 SEP 4-6 SEP 16-19 SEP 24-26 OCT1-3 OCT7-10 OCT14-17 OCT21-24 OCT28-31 NOV4-7 NOV11-14 NOV18-21

TOURNAMENT Event TBD Ladies Scottish Open AIG Women's Open Carnoustie Golf Links - Carnoustie, Scotland CP Women's Open Shaughnessy G&CC - Vancouver, BC Solheim Cup Inverness Club - Toledo, OH Cambia Portland Classic Columbia Edgewater Country Club - Portland, OR Walmart NW Arkansas Championship pres. by P&G Pinnacle Country Club - Rogers, AR ShopRite LPGA Classic pres. by Acer Seaview Hotel and Golf Club - Galloway, NJ Founders Cup Mountain Ridge C.C. - West Caldwell, NJ Buick LPGA Shanghai Qizhong Garden Golf Club - Shanghai, China BMW Ladies Championship LPGA International Busan - Busan, South Korea Taiwan Swinging Skirts LPGA Miramar Golf Country Club - Taipei, Taiwan TOTO Japan Classic Seta Golf Course - Shiga, Japan Pelican Women's Championship Pelican G.C. - Belleair, FL CME Group Tour Championship Tiburon Golf Club - Naples, FL

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$1,100,000 $1,500,000

Stacy Lewis

$4,500,000

Sophia Popov

$2,350,000

$1,400,000

Georgia Hall

$2,300,000

Austin Ernst

$1,750,000

Melissa Reid

$1,500,000 $2,100,000 $2,000,000 $2,200,000 $2,000,000 $1,750,000

Sei Young Kim

$5,000,000

LOCAL EVENTS GUIDE CENTRAL NEW JERSEY PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

MARCH

MARCH 2 - 7 | SEUSS WEEK The Pop Shops call to mind the main street soda fountains era with vintage décor, retro soda counter, bubblegum colors and 50’s juke boxes. Join in at the Pop Shop in Collingswood as they celebrate Dr. Seuss and Read Across America! For more info visit: thepopshopusa.com MARCH 26 | FOOD TRUCK FRIDAY Join us for an evening of delicious food truck fare! come out for a bottle of wine, and enjoy yourself by a fire pit or around a heater on one of our spacious decks. Limited indoor seating available as well. For more info visit: whitehorsewinery.com MARCH 26 | JEWISH HERITAGE FILM FESTIVAL The Jewish Heritage Museum of Monmouth County presents its 2021 Virtual Film Festival. A Matter of Size, a story of Herzl, an overweight, underemployed chef living at home with his mother in the Israeli city of Ramla. Unable to find a job cooking, 28

he becomes a dishwasher at a Japanese restaurant.One day he notices his coworkers watching sumo wrestling on TV. This sets off his journey of self discovery. For more info visit: jhmomc.org

APRIL

APRIL 1 - 30 | TULIP FESTIVAL Holland Ridge Farms is a family-owned flower grower and flower farm in New Jersey. Our U-Pick Tulip season opens when the millions of bulbs we planted in the fall burst into bloom. Rows and rows of colorful tulips as far as the eye can see! For more info visit: https://bit.ly/3iYfOl8 APRIL 23 - 25 | EXIT ZERO JAZZ FESTIVAL The Festival presents international touring artists in concert settings on two main stages. In addition to the concerts, a vibrant club schedule is presented throughout each Fest weekend in the bars and restaurants lining the beachfront and center of town, featuring many genres of music! For more info visit: exitzerojazzfestival.com

MAY

MAY 29 | JERK FEST The New Jersey Jerk Fest is anticipated to be the largest Caribbean Festival in New Jersey. It has a broad general market appeal as the popularity of ‘Jerk’ transcends easily across the New Jersey area’s dynamic, multi-ethnic population. We will offer guests a deliciously entertaining experience as they feast on spicy jerk cuisine, enjoy hot music and the cool festival vibes. For more info visit: https://bit.ly/3uRJfKT May 29 - 30 | Renaissance Faire New Jersey Renaissance Faire features music, dance, comedy, living history, stunts, various acts, demonstrations, vendors, food and drinks, and more. Browse through our enchanted crafts village where over one hundred merchants and artisans demonstrate and sell their wares. For more info visit: njrenfaire.com

JUNE

at the Annual Hungarian Festival. Enjoy fine Hungarian cuisine, listen to Hungarian folk songs and watch and learn Hungarian folk dances!For more info visit: hungarianfestival.org JUNE 4 - 5 | BEER & MUSIC FEST Come taste more than 600 beers poured by over 150 breweries. Enjoy incredible music by talented artists. The fun activities will include wing wars, silent disco, hatchet toss, costume contest, giant cornhole, beer cup derby, pints and pinball, the puppet pub, keg toss, spelling bee, and more! For more info visit: acbeerfest.com JUNE 25 - 27 | ROCK, RIBS & RIDGES Join us for the annual Rocks, Ridges & Ribs Festival. This all day concert features top classic rock bands and top barbeque. Come on by for the ribs and rock music! For more info visit: https://bit.ly/3oBkzlS

JUNE 5 | HUNGARIAN FESTIVAL Come and join us for a wonderful day of great food, song, and dance 29

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JULY

JULY 4 | INDEPENDENCE DAY The whole state is dressed in red, white, and blue and ready to celebrate America’s Independence! New Jersey is famous for its 4th of July waterfront extravaganza in Atlantic City and other great locations along the coast. This list will find the best spot for you to enjoy America’s Independence! For more info visit: https://bit.ly/2MHrHQy JULY 23 - 25 | FESTIVAL OF BALLOONING It’s a bird! It’s a plane! No! It’s a balloon! The family friendly festival will feature mass ascensions, balloon rides, sunrise yoga, non-stop family entertainment, headlining concerts, crafters, vendors, balloon glow, food, fireworks, and much more. Experience a weekend of family friendly fun! For more info visit: balloonfestival.com

AUGUST

AUG 7 - 14 | STATE FARE The New Jersey State Fair includes 4-H shows and exhibits, horse shows, carnival, performing arts, 30

family entertainment, demo derby, exhibits, food, and more. This is a great way to enjoy the summer with your family! For more info visit: https://bit.ly/2L3Yv5A AUG 13 - 15 | AIR SHOW The greatest Air Show in the Northeast, that brings in many of the world’s top aerobatic performers! There will be aerobatic performances, air shows, static displays, entertainment, historical displays, car show, night show, ground exhibits, food vendors, and more. For more info visit: greenwoodlakeairshow.com AUG 21 | JAZZ & BLUES FESTIVAL The Morristown Jazz & Blues Festival has become one of the most anticipated music festivals in the region. It draws patrons from around the country, boosting local businesses, showcasing world-class musicians who celebrate two of the great American art forms. Come over to enjoy incredible music by talented artists! For more info visit: morristownjazzandblues.com

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SEPTEMBER

SEPT 1 - 30 | SUNFLOWER FEST The Holland Ridge Farms u-pick sunflower season is a celebration of one of the most popular flowers in the world. Our pick your own flowers features not only yellow sunflowers but also white, red, and bi-color varieties. Stop on by for a beautiful day among the flowers. For more info visit: https://bit.ly/3adj47X SEPT 3 - 5 | HORROR FILM FEST New Jersey Horror Con and Film Festival features amazing celebrities, amazing horror films and vendors from around the horror world. Additionally, there will be QandA sessions, vendors, and more. Start off the spooky season a bit early this year with this festival! For more info visit: newjerseyhorrorcon.com

OCTOBER

OCT 2 - 3 | CHOWDER FEST Chowderfest Weekend has become a tradition for family and friends to gather together to say goodbye to summer and welcome the fall. There will be a lot of events this year including a Chowderfest Playlist 32

for in home or on route listening, Ecommerce Chowderwear store, restaurants serving up dine and take home options as well as an online voting component, Chowder Virtual Run, social media and pop up surprises. For more info visit: chowderfest.com OCT 9 | STREET FAIR Come on down for a day of family fun with original & interesting Arts & Crafts, shopping, kid’s rides and great food! For more info visit: https://bit.ly/36opTCK OCT 20 - 23 | THE JERSEY TENORS The Jersey Tenors, one of America’s hottest new tribute acts, creates an explosive blend of the most iconic Opera classics alongside such Rock ‘N Roll industry greatest hits! This iconic must-see show also features the music of Frankie Valli and The Four Seasons, Frank Sinatra, Bon Jovi, Bruce Springsteen, Kool and The Gang and Whitney Houston! For more info visit: https://bit.ly/2Yx6Pxz

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NOVEMBER

Nov 6 - 7 | Easton Bacon Fest Join us for the Bacon Fest Experience! We have live music and your favorite craft beer and of course bacon. We have bacon-themed cocktails, craft beer and your favorite bacon specialties from one of our many food vendors. This will be a weekend you will not forget! For more info visit: pabaconfest.com Nov 21 - 30 | Festival of Trees This event features Christmas trees, designed and decorated by community members, local businesses and organizations they will be displayed on the grounds of the Red Mill Museum Village. The kick-off begins on Thanksgiving weekend. For more info visit: https://bit.ly/3rgO92c

DECEMBER

DEC 1 - 30 | CHRISTMAS UNDERWATER Christmas Underwater provides a safe, memorable day out with the family exploring life underwater. Scuba Santa dove each day in Ocean Realm next to Anchor, the 34

Great Hammerhead Shark and newly elected Aquarium Resident President, sea turtles, stingrays, and other fishy friends. For more info visit: https://bit.ly/383duES DEC 1 - 30 | DRIVE THRU LIGHTS This marks our second holiday light show and you won’t want to miss this! Experience a light show like no other. Drive a course through our construction theme & water park to witness lights, holiday displays, tunnels, and our very own radio station to fill your car with holiday spirit! For more info visit: https://bit.ly/3e8mmNH

JANUARY

JAN 5 | PANDA FESTIVAL The festival will feature a walkthrough wonderland experience featuring millions of lights and of course our giant panda friend. Lights, food, interactive and modern displays and music for an exciting cultural experience. The attraction is teeming with huge handcrafted lantern exhibits you will not soon forget. For more info visit: https://bit.ly/2Pxeef7

This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.

Donate today at redcross.org

CENTRAL | NEW JERSEY | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE Date

Session

Wed - Fri 1/13-15

Rod Laver

Margaret Court

Outside Courts

11:00am

10:00am

Sat / Sun 1/16-17 Mon 1/18

Tue 1/19

Wed 1/20

Thu 1/21

Fri 1/22

Sat 1/23

Sun 1/24

Mon 1/25

Tue 1/26

Wed 1/27

Featured Matches Qualifying Rounds

NO PLAY Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

11:00am –

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

1st round

2nd round

3rd round

4th round

Quarterfinals

Day

11:00am

Night

7:00pm

–

Thu 1/28

Day

11:00am

Night

7:00pm

–

1st Men’s Semifinals

Fri 1/29

Twilight

3:00pm

4:00 pm

3:00pm

2nd Men’s Semifinals

–

Twilight

11:00am

7:30pm

11:15am

–

Twilight

2:00pm

4:00pm

no play

–

Sat 1/30

Sun 1/31

* Schedule subject to change

Quarterfinals

Women’s Semifinals

Women’s Finals

Men’s Finals

CENTRAL | NEW JERSEY | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE DATE

PLAY START

SESSION

SUN - MAY 23

Day - 11:00 AM

1st Round

MON - MAY 24

Day - 11:00 AM

1st Round

MON - MAY 24

Evening - 9:00 PM

1st Round

TUE - MAY 25

Day - 11:00 AM

1st Round

TUE - MAY 25

Evening - 9:00 PM

1st Round

WED - MAY 26

Day - 11:00 AM

2nd Round

WED - MAY 26

Evening - 9:00 PM

2nd Round

THU - MAY 27

Day - 11:00 AM

2nd Round

THU - MAY 27

Evening - 9:00 PM

2nd Round

FRI - MAY 28

Day - 11:00 AM

3rd Round

FRI - MAY 28

Evening - 9:00 PM

3rd Round

SAT - MAY 29

Day - 11:00 AM

3rd Round

SAT - MAY 29

Evening - 9:00 PM

3rd Round

SUN - MAY 30

Day - 11:00 AM

4th Round

SUN - MAY 30

Evening - 9:00 PM

4th Round

MON - MAY 31

Day - 11:00 AM

4th Round

MON - MAY 31

Evening - 9:00 PM

4th Round

* Schedule subject to change

TUE - JUNE 1

Day - 12:00 PM

Quarterfinals

TUE - JUNE 1

Evening - 5:00 PM

Quarterfinals

WED - JUNE 2

Day - 12:00 PM

Quarterfinals

WED - JUNE 2

Evening - 9:00 PM

Quarterfinals

THU - JUNE 3

Day - 2:00 PM

Semifinals

FRI - JUNE 4

Day - 3:00 PM

Semifinals

SAT - JUNE 5

Day - 3:00 PM

Women's Singles Final, Men's Doubles Final

SUN - JUNE 6

Day - 3:00 PM

Men's Singles Final

CENTRAL | NEW JERSEY | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE

* Schedule subject to change

PLEASE NOTE: The Main Board of the All England Club (AELTC) and the Committee of Management of The Championships have decided to cancel the 2020 Wimbledon Championships due to COVID-19 and a concern for public health. The 2021 Wimbledon Championships will take place from June 28 – July 11, 2021. DATE

PLAY START

SESSION

Mon Jun 28

11:00 AM

First Round

Tues Jun 29

11:00 AM

First Round

Wed Jun 30

11:00 AM

Second Round

Thu Jul 1

11:00 AM

Second Round

Fri Jul 2

11:00 AM

Third Round

Sat Jul 3

11:00 AM

Third Round

Sun Jul 4

–

Mon Jul 5

11:00 AM

Round of 16

Tue Jul 6

11:00 AM

Womens Quarterfinals

Wed Jul 7

11:00 AM

Mens Quarterfinals

Thu Jul 8

11:00 AM

Womens Semifinals

Fri Jul 9

11:00 AM

Mens Semifinals

Sat Jul 10

11:00 AM

Womens Finals

Sun Jul 11

11:00 AM

Mens Finals

No Play

CENTRAL | NEW JERSEY | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE SESSION

DATE

SCHEDULE

PLAY START

* Schedule subject to change ** Start Times Listed in EST

MATCHES

Sun 30 Aug

Day

11.00am

Men’s / Women’s 1st Round

Sun 30 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Mon 31 Aug

Day

11.00am

Men’s / Women’s 1st Round

Mon 31 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Tue 1 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Tue 1 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Wed 2 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Wed 2 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Thu 3 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Thu 3 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Fri 4 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Fri 4 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Sat 5 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sat 5 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Sun 6 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sun 6 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Mon 7 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Mon 7 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Tue 8 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Tue 8 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Wed 9 Sep

Night

7.00pm

Women’s Semifinals

Thu 10 Sep

Day

12.00pm

Mixed Doubles Final / Men’s Semifinals

Fri 11 Sep

Day

12.00pm

Men’s Doubles Final / Women’s Final

Sat 12 Sep

Day

1.00pm

Women’s Doubles Final / Men’s Final

CENTRAL | NEW JERSEY | VOL . 2

TRENDING LOCATIONS TO VISIT THIS YEAR

TRAVEL IN 2021

2021 may be the time to “see the USA”, as international air travel will be determined by individual countries’ rules and re-openings. One can avoid airports and air travel by simply hitting the road. Vans and recreational vehicles have achieved widespread use in the last year and there is no shortage of great domestic destinations. See the Great Lakes Region in the north or explore the music cities of New Orleans, Memphis and Nashville in the south!

NORTHERN ROAD TRIP The Great Lakes area is an excellent place to start. From east to west, these lakes (Ontario, Erie, Huron, Michigan and Superior) span the states of New York, Pennsylvania, Ohio, Michigan, Indiana, Illinois, Wisconsin and Minnesota. The Great Lakes are the five largest interconnected lakes in the US and contain the largest freshwater supply in the

world supplying water to more than 40 million people. Unique to these lakes are rolling waves, strong currents, miles of sandy and rocky beaches and distant horizons. Attractions include great beaches, Niagara Falls, wildlife areas, charming small towns, large cities and many National parks. And for sports fans, there are magnificent stadiums and arenas for all major sports

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leagues as well as for the Big Ten universities. Lake Erie, in New York is known for its reputed Loc-Ness-like sea monster which has reportedly been seen many times over the years. The US side of Niagara Falls is not to be missed either with breathtaking waterfalls and rapids.

at Sleeping Bear stands at 450 feet above the shore. In addition to sand dunes, Lake Michigan has a “Bermuda Triangle” where many strange occurrences have been reported: unexplained ship disappearances and missing planes as well as a Stonehengelike rock formation underwater near Traverse City. With some luck, one might even see a few black bears.

Michigan, which touches four of the five Great Lakes and possesses the longest fresh water coastline in the world, is host to Sleeping Bear Dunes National Lakeshore on Lake Michigan’s western shore. It is home to the largest freshwater sand dunes in the world. The tallest sand dune 41

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Chicago, which is located on the shore of Lake Michigan, has it all - a big city with museums, restaurants and nightlife as well as Lake Shore Drive, a 15 mile urban parkway of green spaces and beaches along the lake. A road trip would provide a fascinating and fun packed trip for any age group. Do the entire route from one end to the other or pick a particular lake area to concentrate on. With so many historic sights and national park areas, there are opportunities to appreciate all the diversity of our great country.

SOUTHERN ROAD TRIP New Orleans, on the Mississippi River, which is the “jazz capital of the world” and nicknamed the “Big Easy”. Visit the French Quarter and walk along Bourbon Street with its colorful buildings with cast iron balconies, fine Cajun restaurants, antique shops, and art galleries. Enjoy the street performers at Jackson Square in front of the famous Saint Louis Cathedral. From there, take the trolley out to the Garden District with its well preserved collection of historic homes from the 18th century. In addition, there is the New Orleans Zoo and Aquarium and be sure to visit the World War ll Museum. There is much to see and learn in New Orleans. Memphis Tennessee, which is known as the “Home of the Blues and Birthplace of Rock ‘n’ Roll” and famous for gospel, jazz, R&B,

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rap and soul as well. A must stop is Graceland, Elvis Presley’s mansion. In addition, there is the Rock ‘n’ Soul Museum, Blues Hall of Fame, and the Stax Museum of Soul Music. And for foodies, Memphis has a vibrant and diverse restaurant scene but is best known for its slow-cooked dry rib barbecue ribs, maple bacon doughnuts and local coffee roasters.

cultural and historic sites, we can find it all here in the USA.

Nashville, which is the capital of Tennessee, and home to Vanderbilt University. It is often referred to as Music City. Visit the Grand Ole Opry, The Country Music Hall of Fame and Museum, and Ryman Auditorium. All are well known for Country Music. Besides the live music scene, there are interesting historic neighborhoods with boutiques, restaurants, and coffee shops. For some history, visit the home of President Andrew Jackson, considered to be the best preserved of all presidential homes, or Belle Meade Plantation which was part of the Battle for Nashville during the Civil War. There are so many choices for travel - whether looking for great views, live entertainment, or

CENTRAL | NEW JERSEY | VOL . 2

RELAX IN RETIREMENT How a Virtual Family Office Can Help You Relax in Retirement. Having a strong understanding of your Personal Financial situation is the first step towards a relaxing and drama free retirement. Do you think about retirement? Do you wonder if your nest egg will last? Do your retirement savings support your current quality of life? To truly understand your financial picture the first step is to know: what wealth you have, where is your money and how’s it performing. This is known as personal financial data. But perhaps you can’t crunch those numbers (or don’t want to.) You may want to consider a Virtual Family Office (VFO).

What is a Virtual Family Office (VFO)? Family offices have been around since the Rockefellers first employed a team of professionals to help track their finances. From that point forward, family offices have been known to serve ultra-high-net-worth families. Single Family Offices (SFO) include staffs of financial investment advisors, wealth management specialists, tax accountants, and personal bookkeepers under one roof. These employees managed the family’s wealth, but also provided estate planning advice, private wealth management, and family governance services. Then came Multi Family Offices (MFO) whose

CENTRAL | NEW JERSEY | VOL . 2

employees serve several families. MFO’s provided a menu of services families could pick and choose from depending on their needs. Today’s MFO’s traditionally focus on investment management and tax preparation. With the advancement of technology, the Virtual Family Office (VFO) was born and is the latest evolution of the family office. VFOs offer a wide range of both traditional family office services as well as assistance with bill-pay, trust compliance and real estate management. VFO’s often are more flexible with both their client base and willingness to work with a family’s long time trusted advisors. And with no geographical barriers clients can work with a VFO anywhere! Accounting firms have been quick to leverage the model and cater to families seeking relief from having to manage their own financial affairs or gathering documents at tax time.

Is a Virtual Family Office right for you? Do you find it tedious trying to keep a close eye on all of your income streams, expenses, and accounts? Hiring a Virtual Family Office means support with your financial life and portfolio without having to deal with the overhead or expense of employees and high fees. A good VFO will know how to use financial tools to keep track of your portfolio. They should also work collaboratively to coordinate your existing financial team and act as your advocate and fiduciary with no conflicts of interest.

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Prefer a Do-it-yourself approach? A VFO’s secret sauce is its use of technology. If you want to take action now, but aren’t ready for a Virtual Family Office, the power of technology can help. Some of the best ways you can keep an eye on where your money is – and understand how you are spending it – is by using Personal Financial Software (PFS). Let’s take a quick look at some of the most popular platforms: Simplifi Simplifi from the makers of Quicken is a new mobile-ready application that enables you to create a personalized spending plan, monitor your bills, project cash flow, and set goals. As its name suggests it’s easy to use, but limited in functionality. Mint Mint by Intuit is a free app that helps you keep track of your expenses so that you can budget more efficiently. Mint can link your bank accounts, credit cards and brokerage accounts. This will give you a better understanding of your overall net worth, and if you are reaching your targets. TillerHQ If you like spreadsheets, this exciting new product automates your bank feeds and produces beautiful and highly customizable reports. However, it’s still lacking investment activity support.

eMoney eMoney is a financial planning app many financial advisors (FA) offer their clients free of charge to streamline the estate planning experience. This tool lets you combine all your accounts and securely store important files such as wills, insurance policies and more to safeguard your financial future and collaborate with your financial advisor. Ask your FA if they offer eMoney. Personal Capital Personal Capital allows you to see your complete financial picture on one single platform including Brokerage Balances. It can help you stay on top of your financial and

CENTRAL | NEW JERSEY | VOL . 2

retirement objectives and provide good reporting on Investment performance and allocations . It’s free and Personal Capital is available should you need help with your wealth management. QuickBooks Quickbooks is one of the most popular financial programs but it’s tailored to businesses. While it can be manipulated to work for individuals but does not support investments and is not intended to work as a Personal Financial program.

Quicken Formerly Intuit’s flagship product until divested in 2016, Quicken (for PC) has been around since the DOS days. Quicken’s advantage is that its head start has made it feature and functionality rich beyond most of its competitors (and even its Quicken for Mac sister product) for less than $100/year. But disadvantages include: lacks true mobile functionality, still retains a dated user interface and can be confusing to use.

Moving Forward Knowing your options can empower you to make the right choices in preparation and in retirement. You’ve worked hard for your money and you deserve to enjoy the fruits of your labor. So whether you turn to a VFO for support, leverage the latest technology yourself, or combine the two, one thing is clear: You have the power to make your golden years all the more golden. The question is, are you ready to find out where your money is and what it’s doing?

This article was written by Stephen M.Smith CPA Founder of SundialVFO. Smith is a Personal Financial Software guru, Quicken© Expert and a Top 100 QuickBooks ProAdvisor. Reachable at Stephen@SundialVFO.com

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r o f s Trend

AC C E S

S O RY

2021

After a year of staying in the house, wearing sweats and other assorted quarantine gear, it is time for a change. Many are now finally ready to dress up, even while still wearing masks and social distancing. Break out all of those accessories that piled up from months of online shopping. Nobody will judge if you overaccessorize. The new year brings changing trends in jewelry, both traditional and avant-garde. Pearls have always been in, but we are now seeing more of the freshwater variety. They have a more contemporary look. From pearl drop earrings to layered necklaces that mix

CENTRAL | NEW JERSEY | VOL . 2

pearls with other materials, pearls work for all occasions. There are also personalized extra-long pendant necklaces and charm bracelets. Colorful beads are always a hit, whether worn as earrings, necklaces, or bracelets. Chain link necklaces and bracelets with attached charms are also hot at the moment. And feel free to

stack rings on a couple fingers while you’re at it! A brand new trend is mismatched earrings or simply wearing one dramatic shoulder grazing earring. Of course two shoulder length earrings also work. Mixing and matching different textures is also very popular. Instead of smooth gold hoops, go for a textured pair in silver; silver has made a huge comeback. Several top designers have moved towards mini handbags recently, often on long chains. They can even be worn as a necklace. And of course, let’s not forget about diamonds. They remain at the top of the food chain. Just ask Marilyn Monroe -“Diamonds Are A Girl’s Best Friend”. Hair ornaments of all sizes

CENTRAL | NEW JERSEY | VOL . 2

can make a powerful fashion statement. There are a multitude of choices from traditional headbands to pearl hairpins or hair clips, barrettes, and even scrunchies. They come in a variety of fabrics from velvet to fur to leather. Most popular are headbands embellished with pearls, rhinestones or feathers. You’ll always look chic with a headband! Regardless of individual style, all can agree – now is the time to shine!

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