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FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

CO NTE NT S FEATURES 4

Senior Living

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Luxury Living

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Destination Vacations

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22 Local Event Guide 34 Saving For Retirement

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38 Travel In Style 39

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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 6)

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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus.

Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas.

Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community.

High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents.

Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 6

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

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

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

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

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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.

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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!

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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.

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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.

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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.

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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 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.

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LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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.

JULY

JULY 11 | CHALK THE WALK ARTSPLOSION Chalk the Walk ARTsplosion takes over the Virginia Beach Boardwalk.

At Chalk the Walk, participants draw amazing four by four foot chalk drawings. The theme for this year’s Chalk the Walk is “A Whole New World.” Stop by and see the beautiful art along our boardwalk.

For more info visit: https://bit.ly/2Zap4u0 JULY 23 | CINEMA IN THE PARK Bring a chair or blanket. Films begin at dusk. Enjoy popcorn and cold drinks at old-fashioned prices!

For more info visit: https://bit.ly/3f6yPPr

AUGUST

AUG 1-2 | THE TEMPEST Shakespeare On the Lawn at Kenmore returns this summer with four performances of The Tempest, a play about magic, betrayal, love and forgiveness. The Tempest explores the consequences of European settlement in the New World. Bring 22

lawn chairs or blankets. Come early and enjoy your own picnic on the lawn.For more info visit: https://bit.ly/3fbWH41 AUG 14 | ART WALK The Colonial Beach 2nd Friday Art Walk provides exhibition opportunities for local and regional artists.

The once a month art walk event draws residents and visitors from all over the area who enjoy the opportunity to view a wide variety of artwork on display.Come in for a sip and a snack and revel in the splendor of the art! For more info visit: https://bit.ly/2AJwA5K AUG 17-18 | AIRSHOW & HOT AIR BALLOON FESTIVAL A weekend of participant-fueled, high-flying fun awaits spectators, daredevils, and aircraft enthusiasts from all over the area! Watch as hot air balloons take to the skies, wing walkers amaze the crowds, and planes perform loop-de-loops!

For more info visit: https://bit.ly/3ecH9vA

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LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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.

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SEPTEMBER

SEPT 6 | ROSSLYN JAZZ FESTIVAL Each year in Rosslyn over 5,000 people come out to enjoy renowned local and national Jazz Artists. We also offer a street festival with food, beer and wine!

For more info visit: https://bit.ly/2Z9G7MB SEPT 5-6 | COLONIAL BEACH ARTS & CRAFTS SHOW Arts and crafts vendors line both sides of the Boardwalk for this beloved Colonial Beach tradition. Every type and style of arts and crafts is represented at this 2-day event.

A shopping destination for home decor, jewelry, wood crafts and any and everything else you could want for yourself or for a special someone.

For more info visit: https://bit.ly/2ZSPCz9 SEPT 12 - 13 | ALEXANDRIA OLD TOWN ART FESTIVAL Always dedicated to its incredible Arts and Culture, alexandria will welcome back the King Street Art Festival this fall. We transform the city’s historic main street into 24

a world class art gallery. Festival booths line King Street with more than 200 artists. For more info visit: https://bit.ly/2CeEBzW

OCTOBER

OCT 3 | OCKTOBREWFEST Oktobrewfest will be held on historic Main Street Tazewell, Virginia on October 3, 2020. Our festival features over 40+ craft beers, wines, and ciders. Craft vendors, food trucks, and music will also be onhand. See you there!

For more info visit: https://bit.ly/2DhZCtX OCT 19 | HARVEST FEST Learn about notable events and people in local history, watch milling at the Aldie Mill, cheer on your favorite at the Aldie Duck Race, and shop for antiques and collectibles.

For more info visit: https://bit.ly/2O6C3qp

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LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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.

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NOVEMBER

NOV 7 - 8 | OYSTER FESTIVAL As you walk through the festival you will find many Food & Craft Vendors, as well as Wine Tasting, Beer Tasting, and Educational Experiences.

There is something for everyone at this popular festival & the Urbanna Oyster Festival invites individuals from all over to what has long been known as the Official Oyster Festival of the Commonwealth.

For more info visit: urbannaoysterfestival.com NOV 12 - 14 | ALEXANDRIA FILM FESTIVAL The Alexandria Film Festival brings four days of high-quality short and feature-length films, documentaries, filmmaker panels, and arts presentations to the historic port city of Alexandria, Virginia.The Festival highlights the talents of local, national, and international filmmakers.

For more info visit: alexfilmfest.com

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DECEMBER

DEC 31 | WATCH NIGHT Falls Church unknowingly began a tradition that is now in its 22 year.

People wanted more events in our downtown with the streets closed and fun activities and live music.

Watch Night was born. Enjoy live bands and musicians, amusements, activities, inflatables for all ages, puppet shows, and more!

For more info visit: watchnightfallschurch.com

JANUARY

JAN 18 | WINTER ICE FESTIVAL Ready to chill out? Join us for our Winter Ice Festival and Mega Block Ice Carving Competition.Stroll the boulevard to music, snap a picture with Slapshot from the Washington Capitals, chill out in our igloo lounge, and warm up with to-go cocktails and merchant specials.

Plus, take part in all kinds of fun interactive ice games or try our iceless skating rink. This is going to be cool.

For more info visit: https://bit.ly/2W1CF4S

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LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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 26) JAN 31 - FEB 2 | CHOCOLATE LOVERS FESTIVAL The Chocolate Lovers Festival, an annual three-day festival features activities for all to enjoy.The first festival was held in February 1993 and continues an annual tradition with “love of chocolate” as a unifying theme. This popular festival continues to attract chocolate lovers from around the country. So if you love chocolate come join us!

For more info visit: https://bit.ly/3fdo7qx

FEBRUARY

FEB 15 | GEORGE WASHINGTON PARADE The George Washington Birthday Parade winds through a one-mile route along the historic streets of Old Town. It is the oldest and largest parade celebrating the birth of George Washington in the USA, thanks to thousands of participants and spectators. More programs scheduled throughout the birthday weekend make it the cornerstone of a month of celebratory events. For more info visit: https://bit.ly/2ZVU5B9

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FEB 8 | AFRICAN AMERICAN PIONEERS IN AVIATION & SPACE Join us as we celebrate African American History Month by revealing past pioneers and giving families the opportunity to inspire the next generation of innovators in aviation and space. Enjoy guest speakers as they share their personal tales of triumph, participate in hands-on activities that will challenge families to be pioneers in space and aviation, and hear inspiring stories of African Americans who have overcome challenges and refused to be hidden figures.

For more info visit: https://s.si.edu/2O7rtiD

MARCH

March 7 | ST. PATRICK’S DAY PARADE The Parade has grown to being the largest one-day event in Old Town Alexandria. Featuring pipe bands, Irish dance schools, community groups, and a host of other musicians and performers. It is a fantastic day to spend with family or friends! For more info visit: https://bit.ly/3iOcnwA

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LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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 28) MARCH 26 - 28 | NATIONAL CAPITAL AREA CAKE SHOW View spectacular decorated cake displays by world-class sugar artists at the annual National Capital Area Cake Show. The festival features demonstrations, hands-on classes, vendors, bake sales, and a chance to meet celebrity TV sugar artists.

For more info visit: cakeshow.org MARCH TBA | BLOSSOM KITE FESTIVAL The National Mall serves as the backdrop as thousands of kites take flight during the annual Blossom Kite Festival. Held on the grounds of the Washington Monument, this event is a spectacle to see and one you don’t want to miss!

For more info visit: https://bit.ly/321rg8Q

APRIL

APRIL 4 | EASTER BRUNCH & EGG HUNT Easter Brunch & Easter Egg Hunt at Cooper’s Landing Inn & Traveler’s Tavern. Join us for our Spring inspired Easter Brunch with an Easter 30

Egg Hunt for the children along the grounds. We will be serving brunch inside our historic 1800’s Inn dining rooms and outside under the wisteria trellis. The Easter bunny will even be here!

For more info visit: https://bit.ly/3eax3M1 April 23 - 25 | SOMETHING IN THE WATER Virginia Beach native, Pharrell Williams, brings the second installment of his annual festival back to our shores with Something in the Water, a week-long music and cultural experience.The stages at the Virginia Beach Oceanfront and Convention Center will come alive with some of the biggest names in music and technology for a perfect kickoff to the summer months for all ages. For more info visit: https://bit.ly/2W4eByf

MAY

MAY 15 | ARTS & WINE FESTIVAL This festival has everything for the family to enjoy: beautiful artwork, delicious wines to taste, delectable food, wonderful music, a kid’s ac(. . .continued on page 32)

LOCAL EVENTS GUIDE

NORTHERN VIRGINIA 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) tivity area, a silent auction, horse & carriage rides and a wondrous view of the Mattaponi River. So come and bring a chair or a blanket, sit back, relax, listen to music, sip some wine, watch the river meander by and buy some beautiful artwork for your home. For more info visit: https://bit.ly/2Ckytq1 MAY 21 - 23 |DOMINION ENERGY RIVERROCK The nation’s largest outdoor sports and music festival is Dominion Energy Riverrock, a three-day riverside experience in an urban setting with great food, craft beer and wine nearby. This isn’t your typical festival, but we’re not your typical town. For more info visit: Riverrockrva.com

JUNE

JUNE TBA | ANNUAL HERITAGE RAILWAY FESTIVAL This family celebration of rich railroad history features excursion train rides, model train displays, train memorabilia, specialty vendors, and live performances. The festival is free to attend; Fees apply to train 32

excursions.

For more info visit: https://bit.ly/2ZTIWAB JUNE TBA | U-PICK LAVENDE Have you always dreamed of cutting fresh bunches of Lavender ?

Well here is your chance, come pick and cut your own fresh bunches of Lavender. For more info visit: beagleridge.org JUNE 11-13 | NORFOLK HARBOR FEST Every June, the city of Norfolk hosts one of the east coast’s favorite festivals, the Annual Norfolk Harborfest®. This free festival is the largest, longest-running, free maritime festival in the nation. Enjoy three days of tall ships, the Parade of Sail, festival foods and beverages, live performances, one of the largest fireworks displays on the coast and plenty of fun for the whole family!

For more info visit: https://bit.ly/3f9RzgW

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Earn new clients

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10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement.

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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.

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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.

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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.

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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.

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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.

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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.

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

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Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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Travel in Style – by Bonnie Roseman

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

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

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

In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me.

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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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HOME WARRANTY Anne Lang - Home Warranty of America.....25 Ed Lang- Re/Max Premier ..................................25

ESTATE SALES Sherry Young - Coldwell Banker.......................29

INTERIOR DESIGN America’s Color Consultants ..............................25

FINANCIAL ADVISOR Joe Esparolini - Edward Jones ...........................15

LUXURY HOMES Sherry Young - Coldwell Banker.......................29

FINANCIAL SERVICES West Financial Services.........................................13

MEDICAL ALERT Virginia Hospital Center ..........................................3

FLAGS National Capital Flag Co.................................20-21

ORTHOPAEDICS Town Center Orthopaedic Associates .......................................Back Inside Cover

FLOORING Celtic Flooring LLC..................................................23 Loudoun Valley Floors .............................................5 GENERAL CONTRACTOR Clover Service ............................................................. 9

PAINT CONSULTANT America’s Color Consultants ..............................25 PLUMBING J. Kittelberger & Sons Inc .....................................31

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RECOMMENDED SERVICE DIRECTORY

PROPERTY MANAGEMENT Community Association Management Professionals ..............................................................31 REAL ESTATE Dee Owens - ReMax Gateway ...............................1 Ed Lang- Re/Max Premier ..................................25 REALTOR Catherine Coridan - KW Metro Center .............11 Ed Lang- Re/Max Premier ..................................25 Sherry Young - Coldwell Banker.......................29 RETIREMENT COMMUNITY Hunter’s Wood at Trail’s Edge............................27 ROOFING CONTRACTOR Long Baths and Home ...........................Back Cover Peak Roofing Contractors Inc.............................31 SPICES & HERBS The Spice and Tea Exchange ................................7 SRES SPECIALIST Catherine Coridan - KW Metro Center .............11 TAX SERVICES Pay Your Nurse..........................................................31

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TEAS The Spice and Tea Exchange ................................7 WARRANTY Anne Lang - Home Warranty of America.....25 WINDOW INSTALLATION Windows Unlimited ................................................33 WINDOWS Windows Unlimited ................................................33