The 55 Guide - Denver

DENVER COLORADO | VOL. 1

INSIDE THIS ISSUE: FEATURED ARTICLES

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CO NTE NT S FEATURES 4

Investing For The Future

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Destination Vacations

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Senior Living

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Local Event Guide

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30 Saving For Retirement

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34 Luxury Living 36 Travel In Style 38

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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings.

For most of us the only way to financial security is a long term plan of saving and investing.

Consistency is key to reaching long term goals no matter your income.

The sooner you start saving and investing, the longer your money has to compound and grow.

Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things.

Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load.

If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially 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 4

knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs.

Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.

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TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations.

1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials.

The weather is perfect and there are endless opportunities for adventure.

2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world.

3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking.

4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture.

Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach.

History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.

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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.

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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)

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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

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more luxury communities are open to allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets.

They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy.

Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet.

Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!

LOCAL EVENTS GUIDE

DENVER AUGUST

AUG 24 | San Juan Brewfest Every year just before the Labor Day weekend, Downtown Durango holds their San Juan Brewfest, which is one of the biggest and grandest beer tasting festivals in the southwest. For more info visit: http://bit.ly/denv-aug24 AUG 31-SEPT 2 | A Taste of Colorado A Taste Of Colorado is Denver’s free farewell to summer party held annually over Labor Day Weekend.

It’s a wonderful party in Civic Center Park featuring music, food, arts and games. For more information visit: http://bit.ly/denv-aug31

SEPTEMBER

SEPT 4-8 Denver Food + Wine Festival Denver Food + Wine Festival is a multi-day extravaganza of food, wine and spirits events presented by co-sponsors Southern Glazer’s Wine & Spirits of Colorado and the Colorado Restaurant Association.

For more information please visit: http://bit.ly/denv-sept4 SEPT 5-8 | Longs Peak Scotfest This four day festival celebrates the exciting heritage of Scotland and Ireland. It’s one of the premium events in Estes Park, attracting a vibrant crowd to one of Colorado’s 18

more unique festivals. The Longs Peak Scottish-Irish Highland Festival brings to the best Celtic music, Irish and Highland dance, jousting, exhibition dogs, and regional flair to the “Celtic Capital of North America”, Estes Park. There’s even a Ninja Warrior Course at the festival field open to attendees. For more info visit: http://bit.ly/denv-sept5 SEPT 7-8 | Artfest at Castle Rock Held annually the weekend after Labor Day, the Colorado Artfest at Castle Rock invites fine art fans out to Douglas County. It’s hosted by the Castle Rock Chamber of Commerce. With more than 170 artists from around the US, it’s an entertainment packed two day weekend featuring continuous live music from leading musicians, as well as interactive exhibits for the younger crowd. Delicious Colorado food and beverage will also be offered.

For more information please visit: http://bit.ly/denv-sept7 SEPT 20-29 | Oktoberfest Denver Celebrating 50 years, the Denver Oktoberfest has been quoted as “The Best Oktoberfest” in the US, and attracts over 250,000 people during the six day festival. For more info visit: http://bit.ly/denv-sept20

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LOCAL EVENTS GUIDE (. . .continued from 18)

DENVER

OCTOBER

OCT 3-5 | Great American Beer Fest The Great American Beer Festival is hands-down one of the biggest and best beer festivals in the nation. It comes to downtown Denver annually just after the summer season ends, usually between mid September and early October. Breweries compete head to head for awards and are judged by the festival’s Professional Judge Panel. The Convention Center hosts this remarkable event for three sud-soaked days, with an attendance around 50,000.

Every year the Great American Beer Festival sells out fast and this year will be no exception. For more info visit: http://bit.ly/denv-oct3 OCT 21-25 | Glow at the Gardens Glow at the Gardens is a luminous, nighttime celebration of America’s favorite gourd. The Gardens dresses up for Halloween with luminaria-lined pathways, spooky lighting displays and hundreds of carved, glowing gourds. For more info visit: http://bit.ly/denv-oct21

NOVEMBER

NOV 1-9 | Denver Arts Week Denver Arts Week, Nov. 1–9, 2019, is a nine-day celebration of all things art in The Mile High City, featuring more than 300 events at a wide variety of art galleries, museums, 22

theaters and concert halls, many of which are deeply discounted. Please check back for updates on events and activities. For more info visit: http://bit.ly/denv-nov1 NOV 2 Dia de los Muertos Celebration Experience the colorful fun of Day of the Dead with family crafts, altars and more. Denver Botanic Gardens’ observance of Día de los Muertos will be celebrated this year with indoor screenings of Disney’s Pixar film “Coco.” Arrive early to shop the mercado, get your face painted, enjoy the display of ofrendas created by member of the Denver community, and experience a special holiday exhibition. For more info visit: http://bit.ly/denv-nov2 NOV 15-17 Holiday Food & Gift Festival This Festival is the largest holiday celebration in the West, drawing many shoppers annually who happily complete their holiday shopping early. With hundreds & hundreds of exhibitors, the Festival will provide shoppers with one-ofa-kind gifts that cannot be found anywhere else. For more info visit: http://bit.ly/denv-nov15

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LOCAL EVENTS GUIDE

DENVER

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DECEMBER

DEC 7, 8, 14, 15 | 60th Annual Georgetown Christmas Market Each December the town of Georgetown transforms for two weekends into a bustling Christmas scene reminiscent of Christmas of long ago. Thousands come to this tiny mountain town to experience a traditional holiday where Christmas hasn’t changed in 100 years: roasted chestnuts, holiday shopping, horsedrawn wagon rides through historic Georgetown, and wonderful sights and smells. For more info visit: http://bit.ly/denv-dec7 DEC 31 | New Year’s Eve Fireworks in Denver The sky will once again sparkle over downtown at the close of 2019 with the New Year’s Eve Fireworks Downtown. The two spectacular fireworks shows will occur at 9 p.m. and midnight. For the best viewpoints, stand along the 16th Street Mall. The identical fireworks shows will be synched to a music playlist from live DJs along the mall. For more info visit: http://bit.ly/denv-dec31

JANUARY

JAN 9 | Art and About Art & About Tours at the Denver Art Museum are designed especially for visitors with early-stage Alzheimer’s or dementia, and their 26

care partners. During this monthly interactive and conversation-based tour, we invite visitors to experience, explore, and connect with art as well as each other. Themes change on a monthly basis. For more info visit: http://bit.ly/denv-jan9 JAN 25 | Winter Brew Fest Brewing delicious craft beer is both an art and skill which is why many craft beer events only happen during certain seasons. There won’t be any reason to hibernate with Denver’s Winter Brew Fest happening. The two day event will have more than a hundred crafts beers to showcase made from seasonal flavors and the usual year-round favorites. For more information visit: http://bit.ly/denv-jan25 JAN 17-19 | Denver Boat Show Join us January 17-19 at the Colorado Convention Center for the 2020 Denver Boat Show. More boats, more fun, and more entertainment for the whole family! For more info visit: http://bit.ly/denv-jan17

FEBRUARY

FEB 14-16 | Midwinter Bluegrass Festival Midwinter Bluegrass Festival will feature an assortment of instruments, lots of art, custom jewellery, crafts, national regional and local

LOCAL EVENTS GUIDE

DENVER bands, a handful of workshops, a band scramble & vendors’ fair etc.

For more information please visit: http://bit.ly/denv-feb14 FEB 29 - MAR 1 | Rocky Mountain Antique Festival Rocky Mountain Antique Festival aims to provide customers and dealers alike the opportunity to attend premier antique shows, engage in enjoyable interactions, and leave events feeling satisfied with the quality of service they receive.

For more information please visit: http://bit.ly/denv-feb29

MARCH

MAR 14 | St Patrick’s Day Parade Join one of Colorado’s largest celebrations in Downtown Denver.

Celebrate community and culture with family and friends, because everybody can be a little Irish for the parade! For more information visit: http://bit.ly/denv-mar14

MAR (TBA) | Denver Powwow Journey to the Mile High City where more than 100 Indian tribes come to the Denver Coliseum to share their vibrant cultural practices. The Powwow consists of thousands of Indian dancers and singers who rely on their respective art forms to tell stories that have been passed down for generations. For more info visit: http://bit.ly/denv-powwow MAR 26-28 | Quilt Craft & Sew Fest At the Quilt, Craft & Sewing Festival you will find a wide variety of Sewing, Quilting, Needle‑Art and Craft supply exhibits from many quality companies. In addition, you will have the opportunity to participate in one or more of the many Make and Take workshops or free educational seminars. For more info visit: http://bit.ly/denv-mar26

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LOCAL EVENTS GUIDE

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APRIL

APR 1-5 | Denver Auto Show Located at the Colorado Convention Center, the Denver Auto Show is the premier showcase of the newest model year import and domestic vehicles — cars, vans, crossovers, hybrids, light trucks, sport utilities – cars to suit every budget and life style. You’ll not only see all the newest models, you’ll also be treated to sneak peeks of selected intros, concepts, and the latest in highly customized tricked out cars! For more info visit: http://bit.ly/denv-apr1 APR 3-5 | Beethoven Piano Concerto No. 4 The composer wrote “Music is life, and life is inextinguishable,” and indeed from the very first moment, it offers an electrifying jolt of energy and rarely deviates from that dynamism for the remainder of the piece. Mozart’s genius is on full display throughout his masterful Overture to Don Giovanni, which was famously composed the night before the opera’s premiere.

For more information please visit: http://bit.ly/denv-apr3 APR 10-12 Mineral & Fossil Spring Show A regional show that features retail & wholesale dealers from around the world Approximately 85 dealers currently signed on to bring you 28

some of the best gemstones, minerals, meteorites, fossils, jewelry, and opals. The first big regional show after a long winter. For more info visit: http://bit.ly/denv-apr10

MAY

MAY (TBA) | Cinco de Mayo Festival Denver’s annual Cinco De Mayo festival is a wonderful way to celebrate culture and the Mile High City’s Latino population. It’s one of the most fun and family friendly events in Denver and welcomes hundred thousands of attendees each year.

For more information please visit: http://bit.ly/denv-cinco MAY 9 | Colorado Chocolate Festival Chocolate Candy, Chocolate Martinis, Cakes, Cookies, Truffles, Fudge, Brownies, Toffees, Coffees and so much more! Everything chocolate will be here! Not to mention other Mother’s Day gifts. For more info visit: http://bit.ly/denv-may9

JUNE

JUN 5-6 | Denver Chalk Art Fest The Denver Chalk Art Festival is a free two-day street-painting festival.

Hundreds of artists including madonnari chalk artists from around the world, spend hours creating a museum of beautiful chalk art.

This is one of the summer’s most treasured events. For more info visit: http://bit.ly/denv-jun5

LOCAL EVENTS GUIDE

DENVER JUN 25 | Berkeley Park Art & Music Festival Join us at the attractive, family friendly Berkeley Park. This is a visually stunning collection of national and local juried fine artists, with jewelry, ceramics, painting, photography, mixed media, leather, wood, sculpture and more to view and select for your own. For more info visit: http://bit.ly/denv-jun25 JUN 27-28 | 47th Annual Cherry Blossom Festival Japanese dance, drum performances, cultural demonstrations, food and more celebrate the Front Range’s Japanese American heritage during this 2‑day annual festival in downtown Denver. The festival celebrates the Japanese heritage and culture through live entertainment, food and drink, and much more. For more info visit: http://bit.ly/denv-jun27

JULY

JUL 3 | Independence Eve Colorado’s largest free community fireworks event returns, and the evening’s explosive finale will include a light show and fireworks from the atop the Denver City and County Building! For more info visit: http://bit.ly/denv-jul3 JUL 4 | Park Hill 4th of July Parade The Park Hill 4th of July Parade is Denver’s largest Independence Day march. It’s a traditional parade with everything you’d expect, including marching bands, floats, classic cars, costumed characters and much more! Held in Park Hill, one of Denver’s oldest, most historic and diverse neighborhoods, the Park Hill 4th of July Parade has a small-town feel right in the heart of the city!

For more information please visit: http://bit.ly/denv-jul4

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10 Year Countdown Money

To Retirement

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.

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Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account.

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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. (. . .continued on page 32)

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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress.

The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable.

• Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.)

• Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest.

1. Do I work in a stable and growing industry?

2. Do I work for a stable and growing company?

3. Is my heart still in it?

Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout.

You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month.

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Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post].

Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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LUXURY

LIVING IDEAS

Upgrading your home is only limited by your imagination and budget. Is it a luxury bath, fabulous kitchen, incredible master suite or home theatre that you desire?

KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for countertops and islands.

Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen.

Also popular are pizza ovens, appliance garages, warming drawers and under- counter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.

BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub.

Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature.

Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance.

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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.

MOVIE ROOM If you have a spare room, create your own private theatre with a highdefinition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions.

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Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag!

In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun.

A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin!

In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands.

After that, it was off to Italy and over the Alps. All the while, I had just one bag with me.

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To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag.

Roll all items tightly! It saves space, and keeps everything from wrinkling.

I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive.

Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

TRAVEL WARDROBE Underwear 6 undergarments 6 pairs of socks Pajamas (your choice) Outerwear 2 tee shirts 2 button down shirts (one dressy, one casual) 2 pairs of pants (one jean, one black trouser) 1 pair of shorts 2 jackets (one leather, one raincoat) 1 cashmere sweater (pullover or cardigan) 1 bathing suit 1 basic black blazer (can be worn day or night) Accessories Scarves (colorful, lightweight) Belts (at least one black) Jewelry (a few pop pieces) 1 tie (traditional or bow tie) Shoes One heel or dress shoe One pair of flats (for day or night) One pair of sandals

Feel good, and look even better!

Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down.

Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years.

Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe.

Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years.

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FINANCIAL ADVISOR Elizabeth Bleidt - Edward Jones............ 17

APPLIANCE REPAIR Xcel Energy: HomeSmart...........................9

FINE JEWELRY Thollot Diamonds & Fine Jewelry......... 23

AUTO SALES Automotive Avenues...............................6-7

FURNITURE Habitat for Humanity Metro Denver - ReStore............................ 19

AUTO SERVICE Automotive Avenues...............................6-7 BALLROOM Fred Astaire Dance Studio...... Front Cover, Back Inside Cover

CBD PRODUCTS ArenaLife........................................................ 11 DANCE STUDIO Fred Astaire Dance Studio...... Front Cover, Back Inside Cover

ELDER LAW John H. Licht................................................ 17 ELECTRICAL SERVICES Tower Electric, Inc.........................................1 FAMILY MEDICINE New West Physicians................................. 15

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GUTTER PROTECTION Gutter Helmet Greater Denver & Northern Colorado...........................20-21 HEALTH & WELLNESS PRODUCTS ArenaLife........................................................ 11 HEATING & COOLING Xcel Energy: HomeSmart...........................9 HOME BUILDER Cardel Homes............................ Back Cover HOME DECOR Habitat for Humanity Metro Denver - ReStore............................ 19 (. . .continued on page 40)

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

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HOME IMPROVEMENT Habitat for Humanity Metro Denver - ReStore............................ 19 JEWELRY Thollot Diamonds & Fine Jewelry......... 23 MORTGAGES Michael Sherer, CMPS, CML Annie Mac Home Mortgage.......................5 MUSEUM Molly Brown House Museum.................. 27 NON PROFIT ORGANIZATION American Red Cross................................. 39 PROFESSIONAL REAL ESTATE SERVICES Team Hernandez Real Estate............. 12-13

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REAL ESTATE Heather Gardens Brokers Real Estate....3 Jyll Dixon-Overton Weichert Realtors..................Front Inside Cover Sherry Cree - Ascendant Real Estate...... 29 Team Hernandez Real Estate............. 12-13 SENIOR LIVING Heather Gardens Brokers Real Estate....3 SOLAR POWERED RETRACTABLE WINDOW AWNING Sol-Lux Gutter Helmet Greater Denver & Northern Colorado...........................20-21