DELAWARE VALLEY PENNSYLVANIA | VOL. 2
INSIDE THIS ISSUE: FEATURED ARTICLES
RETIREMENT • INVESTING • VACATION
RECOMMENDED SERVICE DIRECTORY
TRAVEL • LIVING • HEALTH • DINING
READ THIS ISSUE ONLINE. SCAN THE QR CODE
FEATURES 4
Luxury Living
14
Senior Living
18
Exciting Travel Destinations
CO NTE NT S
4
26 Investing For The Future 30 Local Event Guide 44 Countdown to Retirement 48 Travel In Style
2020-2021 SCHEDULES 22
PGA Tournaments
24
LPGA Tournaments
38
Grand Slam Tennis Tournaments - Australian
39
Grand Slam Tennis Tournaments - French
40
Grand Slam Tennis Tournaments - Wimbledon
41
Grand Slam Tennis Tournaments - US Open
52
Recommended Service Directory
44
• Promote your brand • Earn new clients • Grow your business www.The55Guide.com
2
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
OPEN FLOOR PLANS
A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.
An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the home’s individual, luxurious features, like a grand entryway or a beautifully designed staircase.
OUTDOOR KITCHENS If opulence and luxury are key, then a standard, fully-stocked kitchen is simply no longer enough. One may consider adding a cozy outdoor living area complete with outdoor kitchen, featuring built-in gas grills and refrigerated food and drink storage. Some other top amenities include expansive outdoor pools with water features such as waterfalls, hot tubs, changing cabanas, and saunas.
4
(. . .continued on page 6)
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
WINE CELLARS Exquisite wine storage is another amenity that most affluent homes contain. Private wine cellars built using materials such as glass and wood and are often thought to be works of art themselves. When considering one of these beauties, many factors come into play. One will want to consider the placement, temperature, humidity control, and of course bottle size accommodations.
LOCATION IS EVERYTHING When it comes to luxury home ownership, nothing beats a great location. Everyone desires their own slice of blissful paradise. One of the most important aspects to consider are privacy features such as bushes, hedges, trees or walls. The right landscape design features provide a concealed oasis, where one can relax and wind down. Picture yourself in a secluded ranch or gated beachfront enclave!
6
(. . .continued on page 8)
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
GAME ROOMS Game rooms or entertainment rooms are an old idea, but still on top of the list of luxury living ideas. Some would argue a luxury home is not complete without an in-home theatre or game room. The boundaries continue to be expanded with extra amenities such as indoor basketball courts, lavish sports bar set-ups, exquisite billiard areas, additional televisions and beverage storage.
IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of “Smart Homes,� and along with it, smart devices. When it comes to technology, most
luxury builders cater to this tech-trend and offer amenities to help with just about all facets of home management. Some things you can do at the touch of a button or smartphone are control indoor climate, window and door security, and lighting. Additionally, an integrated smart home provides the owner with remote access cameras and security systems.
(. . .continued on page 10) 8
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
DRESSING ROOMS A dressing room is simply an extension of the master bedroom. This feature is commonly a top priority for the wealthy, as it functions as a place to both store and display lavish items such as purses, shoes, hats, and jewelry. There is an increasing demand among the jet-set crowd for larger and more lavish closet designs. Typical setups include cedar shelving, storage chests, ample lighting, and mirrors for cosmetics or modeling outfits.
10
g n i v i L r o i n e S
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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. 14
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 16)
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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 16
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!
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
TRENDING LOCATIONS FOR A GREAT VACATION
EXCITING TRAVEL
Destinations If you are looking for some exciting and awe inspiring travel destinations, consider the following destinations.
1. Sweden, a Scandinavian nation in Europe, offers some wonderful natural experiences and places to visit. Enjoy hiking in vast boreal forests and witness an all-white wild moose. Most principal cities, including Stockholm, are all coastal and offer breathtaking views of the towns and waterfront areas. There are historic medieval towns, an abundance of bridges, royal palaces, and museums to visit. Another sight you will not want to miss are the Northern Lights in Lapland. 2. Tenerife, Spain is the largest of the Canary Islands, which is dominated by Spain’s tallest peak, and dormant volcano, Mt. Teide. Enjoy parades, music, dancing, and a variety of colorful costumes at the Carnaval de Santa Cruz. The island hosts many beaches, some featuring black sand, resort areas to enjoy your stay, high-end restaurants, night clubs, golf courses, and water based sports.
18
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the world’s only stadium built in its entirety of marble. This site is home to the first modern
20
Olympics in 1896, where it held a whopping 80,000 people. Aside from the numerous archeologic areas, Greece also has wonderful beaches, hotels, bars, restaurants, tours, ferries, and charters. 4. France, known for its exquisite cuisine, is also home to famous fashion houses, many classical art museums including the Louvre, and monuments such as the Eiffel Tower, the Seine, Notre-Dame cathedral, Arc de Triomphe, and the Palace of Versailles. There are also magnificent parks, great music, ancient cave drawings, and renowned wine tasting sites.
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2020-2021 PGA
TOURNAMENT SCHEDULE DATES
TOURNAMENT
DEFENDING CHAMPION
DEC 3 - 6
Mayakoba Golf Classic El Camaleon GC, Playa del Carmen, MEX
Brendon Todd $1,296,000
DEC 3 - 6 DEC 11 - 13
22
* Schedule subject to change
Hero World Challenge Albany, New Providence, BAH QBE Shootout Tiburon GC, Naples, FL
Henrik Stenson $1,000,000 Rory Sabbatini, Kevin Tway $435,000
JAN 7 - 10
Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI
Justin Thomas
JAN 14 - 17
Sony Open in Hawaii Waialae Country Club, Honolulu, HI
Cameron Smith
JAN 21 - 24
The American Express
Andrew Landry
JAN 28 - 31
Farmers Insurance Open
Marc Leishman
FEB 4 - 7
Waste Management Phoenix Open
Webb Simpson
FEB 11 - 14
AT&T Pebble Beach Pro-Am
Nick Taylor
FEB 18 - 21
The Genesis Invitational
Adam Scott
FEB 25 - 28
Puerto Rico Open
Viktor Hovland
FEB 25 - 28
World Golf Championships-Mexico Championship
Patrick Reed
MAR 4 - 7
Arnold Palmer Invitational presented by Mastercard
Tyrrell Hatton
MAR 11 - 14
THE PLAYERS Championship
MAR 18 - 21
The Honda Classic
MAR 24 - 28
World Golf Championships-Dell Technologies Match Play
MAR 25 - 28
Corales Puntacana Resort & Club Championship
APR 1 - 4
Valero Texas Open
APR 8 - 11
Masters Tournament
APR 15 - 18
RBC Heritage
APR 22 - 25
Zurich Classic of New Orleans
APR 29 - MAY 2
Valspar Championship
PGA WEST (Stadium), La Quinta, CA Torrey Pines (South), San Diego, CA TPC Scottsdale, Scottsdale, AZ
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
$1,340,000 $1,188,000 $1,206,000 $1,350,000 $1,314,000 $1,404,000 $1,674,000 $540,000 $1,820,000 $1,674,000
TPC Sawgrass, Ponte Vedra Beach, FL
PGA National (Champion), Palm Beach Gardens, FL
Sungjae Im $1,260,000
Austin Country Club, Austin, TX
Corales Golf Course, Punta Cana, DOM
TPC San Antonio (AT&T Oaks), San Antonio, TX Augusta National Golf Club, Augusta, GA Harbour Town Golf Links, Hilton Head, SC TPC Louisiana, Avondale, LA
Innisbrook Resort (Copperhead), Palm Harbor, FL
Webb Simpson $1,278,000
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2020-2021 PGA
TOURNAMENT SCHEDULE
* Schedule subject to change
DEFENDING CHAMPION
DATES
TOURNAMENT
MAY 6 - 9
Wells Fargo Championship
MAY 13 - 16
AT&T Byron Nelson
MAY 20 - 23
PGA Championship
Collin Morikawa
MAY 27 - 30
Charles Schwab Challenge
Daniel Berger
JUN 3 - 6
The Memorial Tournament presented by Nationwide
Jon Rahm
JUN 10 - 13
RBC Canadian Open
JUN 17 - 20
U.S. Open
JUN 24 - 27
Travelers Championship
Dustin Johnson
JUL 1 - 4
Rocket Mortgage Classic
Bryson DeChambeau
JUL 8 - 11
John Deere Classic
JUL 15 - 18
Barbasol Championship
JUL 15 - 18
The Open Championship
JUL 22 - 25
3M Open
JUL 29 - AUG 1
Olympic Men's Golf Competition
AUG 5 - 8
Barracuda Championship
Richy Werenski
AUG 5 - 8
World Golf Championships-FedEx St. Jude Invitational
Justin Thomas
AUG 12 - 15
Wyndham Championship
Jim Herman
AUG 19 - 22
THE NORTHERN TRUST
Dustin Johnson
AUG 26 - 29
BMW Championship
Jon Rahm
SEP 2 - 5
TOUR Championship
Dustin Johnson
Quail Hollow Club, Charlotte, NC TPC Craig Ranch, McKinney, TX
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
St. George's G&CC, Toronto, ON, CAN Torrey Pines (South), San Diego, CA TPC River Highlands, Cromwell, CT Detroit Golf Club, Detroit, MI
$1,332,000 $1,350,000
TPC Deere Run, Silvis, IL
Keene Trace Golf Club, Nicholasville, KY
Royal St. George's GC, Sandwich, Kent, ENG TPC Twin Cities, Blaine, MN
Michael Thompson $1,188,000
Kasumigaseki Country Club, Saitama, JPN
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 East Lake Golf Club, Atlanta, GA
$630,000 $1,820,000 $1,152,000 $1,710,000 $1,710,000
23
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2021 LPGA
TOURNAMENT SCHEDULE DATES JAN21-24 FEB25-28 MAR4-7 MAR25-28 APR1-4 APR14-17 APR22-25 APR29-MAY2
MAY6-9 MAY13-16 MAY20-23 MAY26-30 JUN3-6 JUN10-13 JUN17-20 JUN24-27 JUL1-4 JUL8-11 JUL14-17 JUL22-25 JUL29-AUG1 AUG12-15 AUG19-22 24
TOURNAMENT Diamond Resorts Tournament of Champions Four Seasons Orlando - Lake Buena Vista, FL Gainbridge Championship Drive On Championship at Golden Ocala pres. by JTBC Golden Ocala Golf and Equestrian Club - Ocala, FL Kia Classic Aviara Golf Club - Carlsbad, CA ANA Inspiration Mission Hills Country Club - Rancho Mirage, CA LOTTE Championship Ko Olina Golf Club - Kapolei, HI Hugel-Air Premia LA Open Wilshire Country Club - Los Angeles, CA HSBC Women's World Championship Sentosa Golf Club (Serapong Course) - Singapore, Singapore Honda LPGA Thailand Siam Country Club Pattaya Old Course - Pattaya City, Thailand Blue Bay LPGA Jian Lake Blue Bay Golf Course - Hainan Island, China Pure Silk Championship Kingsmill Resort Golf Course - Williamsburg, VA Match Play Event TBD U.S. Women's Open Olympic Club (Lake Course) - San Francisco, CA LPGA MEDIHEAL Championship Lake Merced Golf Club - San Francisco, CA Meijer LPGA Classic Blythefield Country Club - Belmont, MI KPMG Women's PGA Championship Atlanta Athletic Club, The Highlands Course - Johns Creek, GA Volunteers of America Classic Old American Golf Course - The Colony, TX Marathon LPGA Classic presented by Dana Highland Meadows GC - Sylvania, OH Dow Great Lakes Bay Invitational Midland CC (MI) - Midland, MI The Evian Championship Evian Resort Golf Club - Évian-les-Bains, France Event TBD Ladies Scottish Open AIG Women's Open Carnoustie Golf Links - Carnoustie, Scotland
* 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 $1,100,000 $1,500,000
Stacy Lewis
$4,500,000
Sophia Popov
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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 26
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 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.
LOCAL EVENTS GUIDE
DELAWARE VALLEY 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.
JANUARY
JAN 23 - 31 | ORCHID EXTRAVAGANZA During this event, Longwood Gardens creates an absolutely transcendent experience for orchid lovers, perching and planting the rarest and most beautiful of flora from conservatories to outdoors. Oncidium, Phalaenopsis and more elegant varieties, delight visitors looking to experience the beauty of nature during the wintertime. For more info visit: https://bit.ly/3qkjb8f
FEBRUARY
FEB 19 - 21 | ALL THAT JAZZ Philly has a rich history with jazz, and this year, the POPS highlights the three finest powerhouse divas to light up stage and song—Ella Fitzgerald, Billie Holiday, and Dinah Washington. All three delivered memories to a generation of swing! For more info visit: https://bit.ly/2Lx6ZSU FEB 27 | KENNETT WINTERFEST Lagers, stouts, hazy IPAs, hard ciders 30
and more are available for endless sipping at the annual Kennett Winterfest, an afternoon-long celebration of beer in Chester County. Try new brews from breweries like 2SP Brewing Company, Cape May Brewing, Levante Brewing Company and more! For more info visit: kennettwinterfest.com
MARCH
MARCH 5 | ALL-CITY JAZZ FEST Philly’s All-City Jazz Festival 2021, an all-day virtual event, featuring student performances and Masterclasses led by Philly POPS and Philly POPS Jazz Orchestra of Philadelphia artists. For more info visit: https://bit.ly/39vPP02 MARCH 17 | ST. PATRICK’S DAY PARADE Marching bands, decorated floats, music and dance groups, youth groups and Irish associations march down Broad Street to City Hall and from City Hall to Market Street to Penn’s Landing. For more info visit: philadelphiastpatsparade.com
(. . .continued on page 32)
LOCAL EVENTS GUIDE
DELAWARE VALLEY 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.
(. . .continued from 30)
APRIL
APRIL TBA | CHINESE LANTERN FESTIVAL The Philadelphia Chinese Lantern Festival in Franklin Square returns to Philadelphia’s Historic District each year with handcrafted lanterns that illuminate the park when the sun sets. Scaly dragons, blossomed flowers and ancient Chinese structures cast a warm glow throughout Franklin Square. The colorful beams will make your nightly walk through the park that much brighter. For more info visit: https://bit.ly/39Bbofu APRIL 1 - 17 | PEEPS IN THE VILLAGE This spring, Peddler’s Village will present a family-oriented “PEEPS show”—called PEEPS in the Village. The colorful display will include more than 70 creations of wall art, dioramas, and sculpture, all prominently featuring the popular Pennsylvania-made bunnies, chicks, and other candies. For more info visit: https://bit.ly/39q6qC8
32
APRIL 10 - 18 | VIRTUAL CHERRY BLOSSOM 10K/5K Runners can complete their distances on their own schedule at the sanctioned course among the cherry trees near Shofuso, on their regular training courses, on a treadmill, or anywhere that feels right. Between April 10 and April 18, complete your run/walk at your convenience, submit your time, take some selfies along the way or at the finish with the hashtag #CherryBlossom10K. For more info visit: https://bit.ly/3nKgIlY
MAY
MAY 9 | FLEADH FESTIVAL The Fleadh is the Philadelphia area’s biggest annual Irish-American Festival with multiple stages featuring live Celtic Rock, Traditional Irish music and dance, shopping, vendors, food, spirits, kids activities and more! For more info visit: phillyfleadh.com MAY 18 - 23 | WAITRESS Based on a 2007 indie movie, this big hearted musical tells the story of a diner waitress named Jenna
LOCAL EVENTS GUIDE
DELAWARE VALLEY 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.
who’s presented with a chance to leave her suffocating small town existence behind, and grabs it with both hands! With a book by Hollywood screenwriter Jesse Nielson and insanely catchy score from Grammy nominated pop singer Sara Bareilles, Waitress is a melt-inyour-mouth hit! For more info visit: https://bit.ly/3bGukMC
JUNE
JUNE TBA | BALTIMORE AVENUE DOLLAR STROLL The Baltimore Avenue Dollar Stroll is an annual event that showcases local businesses by offering $1 bargains. The event takes place on University City’s Baltimore Ave-
nue and offers everything from $1 pours of craft beer to memberships, tickets and food samples from local retailers. Attendees can also enjoy live entertainment from jugglers, fire artists and bands. For more info visit: https://bit.ly/3qd5qZ4 JUNE 1 - 6 | PHILLY BEER WEEK Philly Beer Week is Philadelphia’s beer drinking festival. Complete with citywide pub-crawls to various venues, beer-pairing dinners and homebrew competitions, there’s plenty to keep you busy at this event. For more info visit: phillylovesbeer.org
33
LOCAL EVENTS GUIDE
DELAWARE VALLEY 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.
JUNE 3 - 6 | LATINO FILM FESTIVAL The Philadelphia Latino Film Festival showcases feature films, shorts, youth films, animations and documentaries by established and emerging Latino and Latin American filmmakers, screened in English or Spanish with subtitles. For more info visit: phlaff.org
JULY
July 11 | Arts Festival Look forward to enjoying the works of regional artists and the creations of craft artisans displayed under the trees. Enjoy the outstanding live musical entertainment while savoring a fresh-squeezed lemonade, a tasty sandwich or a home-baked dessert in the picnic grove! For more info visit: https://bit.ly/3qhpvxp JULY 18 | JAZZ & ARTS FESTIVAL The annual Lancaster Avenue Jazz and Arts Festival promises a day of free music and dance performances, children’s activities, marketplace shopping and more! For more info visit: https://bit.ly/3oKJfJr
34
AUGUST
AUG 1 | 2ND STREET FESTIVAL The Northern Liberties 2nd Street Festival draws people to a sixblock stretch of North 2nd Street. All afternoon and into the night, a Philly-centric lineup of live bands plays across three stages. Guests find plenty of food and drink vendors providing an array of eats and drinks and merchandise vendors selling crafts, clothes and more! For more info visit: 2ndstfestival.org AUG 7 - 8 | PEACH FESTIVAL 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. For more info visit: https://bit.ly/3spngd4 AUG 19 - 22 | FOLK FESTIVAL The Philadelphia Folk Festival is the longest-running outdoor music festival of its kind in North America. The hills of Schwenksville come alive every summer with the sound of folk music during the Folk Festival. For more info visit: folkfest.org (. . .continued on page 36)
LOCAL EVENTS GUIDE
DELAWARE VALLEY 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.
(. . .continued from 34)
SEPTEMBER
SEPT 11 - 12 | MUSHROOM FEST Mushroom lovers across the nation converge in historic Kennett Square each year on the weekend after Labor Day. Over past years, festival events have included the National Fried Mushroom Eating Championship, an Antique and Classic Car Show, an Amateur Mushroom Cookoff and more! For more info visit: mushroomfestival.org SEPT 18 | ALL-STAR CRAFT BEER & WINE FEST An incredible celebration of the best craft beers, wines, and cocktails at Citizens Bank Park, home of the Philadelphia Phillies. With two amazing session options to choose from, wow is Right! For more info visit: https://bit.ly/38Js1qo
OCTOBER
OCT TBA | GERMANTOWN FEST The Germantown festival comes to life with costumed characters, live music, food and drink and a reenactment of the Battle of Germantown! For more info visit: revolutionarygermantown.org 36
OCT 21 - 31 | PHILADELPHIA FILM FESTIVAL The Philadelphia Film Society hosts the Philadelphia Film Festival which gathers dedicated film lovers and scores of talented filmmakers for eleven exceptional days of cinematic splendor. For more info visit: filmadelphia.org/festival
NOVEMBER
NOV 13 | PHILLY WINE FEST Specially curated wineries serve patrons tastings over an all-day, all-night vino experience. You’ll have the chance to sample premium wine to your heart’s content, while live entertainment keeps the party lively during this one of a kind experience. For more info visit: phillywinefest.com
DECEMBER
DEC 1 - 31 | HOLIDAYS IN MANAYUNK Shop, dine, and be merry in Manayunk! For more info visit: https://bit.ly/38GgWGr
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2021 GRAND SLAM
TOURNAMENT SCHEDULE Date
Session
Wed Fri 1/13-15
Rod Laver
Margaret Court
Outside Courts
11:00am
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 Thu 1/28
Featured Matches Qualifying Rounds
NO PLAY Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am –
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
1st round
1st round
2nd round
2nd round 3rd round 3rd round 4th round
4th round
Quarterfinals
Quarterfinals
Women’s Semifinals
Night
7:00pm
–
–
1st Men’s Semifinals
Fri 1/29
Twilight
3:00pm
4:00 pm
3:00pm
2nd Men’s Semifinals
–
–
–
–
Sat 1/30
Twilight
11:00am
7:30pm
11:15am
–
–
–
–
Twilight
2:00pm
4:00pm
no play
–
–
–
–
Sun 1/31
38
* Schedule subject to change
Women’s Finals Men’s Finals
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2021 GRAND SLAM
TOURNAMENT SCHEDULE DATE
SUN - MAY 23 MON - MAY 24 MON - MAY 24 TUE - MAY 25 TUE - MAY 25 WED - MAY 26 WED - MAY 26 THU - MAY 27 THU - MAY 27 FRI - MAY 28 FRI - MAY 28 SAT - MAY 29 SAT - MAY 29 SUN - MAY 30 SUN - MAY 30 MON - MAY 31 MON - MAY 31 TUE - JUNE 1 TUE - JUNE 1 WED - JUNE 2 WED - JUNE 2 THU - JUNE 3 FRI - JUNE 4
PLAY START
Day - 11:00 AM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 12:00 PM Evening - 5:00 PM Day - 12:00 PM Evening - 9:00 PM Day - 2:00 PM Day - 3:00 PM
* Schedule subject to change
SESSION 1st Round 1st Round 1st Round 1st Round 1st Round 2nd Round 2nd Round 2nd Round 2nd Round 3rd Round 3rd Round 3rd Round 3rd Round 4th Round 4th Round 4th Round 4th Round Quarterfinals Quarterfinals Quarterfinals Quarterfinals Semifinals 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
39
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 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.
40
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
No Play 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
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
2021 GRAND SLAM
TOURNAMENT SCHEDULE SESSION
DATE
1 2 3 4 5 6
* Schedule subject to change ** Start Times Listed in EST
SCHEDULE
PLAY START
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
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
41
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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.
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.
44
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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. 45
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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.
46
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
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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. (. . .continued on page 48) 48
D E L AWA R E VA L L E Y | P E N N S Y LVA N I A | VO L . 2
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. 50
READ THIS ISSUE ONLINE. SCAN THE QR CODE
Promote your brand
Earn new clients
Grow your business
www.The55Guide.com/CurrentEditions
RECOMMENDED SERVICE DIRECTORY
AIR DUCT CLEANING Fiber Clean .................................................................47 AUTO INSURANCE O’Neill Insurance Agency.........................................1 Rob Intreiri Agency - Allstate.............................47
COSMETIC DERMATOLOGY Pennsylvania Dermatology Specialists .............7 Keystone Dermatology Partners ...............42-43 CRUISES Crown Cruise Vacations........................................49
BILLIARD SUPPLY STORE Royal Billiard & Recreation .................................... 9
DENTAL & VISION INSURANCE United Integrity Group Inc...................................53
CAR INSURANCE O’Neill Insurance Agency.........................................1
DENTIST Kessler Dental ............................................................15
CAREGIVERS Seniors Helping Seniors ........................................17
DERMATOLOGIST Keystone Dermatology Partners ...............42-43 Pennsylvania Dermatology Specialists .............7
CARPET CLEANING Fiber Clean .................................................................47 CASUALTY INSURANCE Northeast Property & Casualty .....................12-13 CHURCH The Catholic Foundation of Greater Philadelphia ...............................................21 COMPANIONSHIP CARE Seniors Helping Seniors ........................................17
52
ESTATE PLANNING LAW Rick Stock Law RRS Legal LLC .............................7 Law Offices of Jennifer J Riley ..........................33 FAMILY LAW Law Offices of Jennifer J Riley ..........................33 Law Offices of Maribeth Blessing.....................47 FINANCIAL ADVISOR Workplace Retirement Group of Raymond James ......................................................37 Paul Montefiore Jr, CLFC, CLU...........................55
(. . .continued on page 54)
RECOMMENDED SERVICE DIRECTORY
FINANCIAL PLANNING Valley Forge Financial Dynamics.......................19 First Solution Financial...........................................51 FUNERAL HOME Goldsteins Rosenbergs Raphael Sacks Inc .....................................................11 FUNERAL SERVICES Goldsteins Rosenbergs Raphael Sacks Inc .....................................................11 GOLD BUYER We Buy Gold .............................................................27 HOME INSURANCE Rob Intreiri Agency - Allstate.............................47 HVAC Oliver Heating, Cooling, Plumbing & Electrical ............3, Back Inside Cover IN HOME CARE Seniors Helping Seniors ........................................17 INDEPENDENT LIVING COMMUNITY Dunwoody Village...................................................35 INVESTMENT PLANNING Walsh & Nicholson Financial Group ................25 JEWELER We Buy Gold .............................................................27 LEGACY PLANNING Valley Forge Financial Dynamics.......................19
54
LIFE INSURANCE Rob Intreiri Agency - Allstate.............................47 LIVING WILLS Robert C Ewing - Attorney at Law....................51 MEDIATION & ARBITRATION Law Offices of Maribeth Blessing.....................47 MEDICAL DERMATOLGY Keystone Dermatology Partners ...............42-43 MEDICARE CONSULTING Direct Benefit Advisors ............................... Front Cover, Back Cover MEDICARE RESOURCES United Integrity Group Inc...................................53 MEDICARE SUPPLEMENT INSURANCE United Integrity Group Inc...................................53 NON PROFIT The Salvation Army | Greater Philadelphia ...............................................31 PERSONAL CARE Riddle Village .....................................................28-29 POWERS OF ATTORNEY Rick Stock Law RRS Legal LLC .............................7 PRE-PLANNING FUNERAL SERVICES Goldsteins Rosenbergs Raphael Sacks Inc .....................................................11
(. . .continued on page 56)
RECOMMENDED SERVICE DIRECTORY
PROFESSIONAL ASSET MANAGEMENT Valley Forge Financial Dynamics.......................19 PROPERTY INSURANCE Northeast Property & Casualty .....................12-13 REAL ESTATE Daniel Hayden Coldwell Banker Preferred ......Front Inside Cover REHAB Riddle Village .....................................................28-29 RETIREMENT COMMUNITY Dunwoody Village...................................................35 Riddle Village .....................................................28-29 RETIREMENT INCOME PLANNING Walsh & Nicholson Financial Group ................25 SENIOR REAL ESTATE SPECIALIST Daniel Hayden Coldwell Banker Preferred ......Front Inside Cover SILVER BUYER We Buy Gold .............................................................27 SIMPLE WILLS Robert C Ewing - Attorney at Law....................51 SKILLED NURSING Riddle Village .....................................................28-29 SKIN CANCER DERMOTOLOGY Keystone Dermatology Partners ...............42-43
56
SKIN CARE Pennsylvania Dermatology Specialists .............7 SOCIAL SECURITY ANALYSTS Registered Social Security Analysts ..................5 SOCIAL SECURITY PLANNING Valley Forge Financial Dynamics.......................19 TRAVEL Crown Cruise Vacations........................................49 UPHOLSTERY CLEANING Fiber Clean .................................................................47 WEALTH MANAGEMENT Paul Montefiore Jr, CLFC, CLU...........................55 Walsh & Nicholson Financial Group ................25 WILLS & ESTATES Robert C Ewing - Attorney at Law....................51 Rick Stock Law RRS Legal LLC .............................7