Phoenix 2 by The 55 Guide

PHOENIX ARIZONA | 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

CO NTE NT S

FEATURES 6

Luxury Living

Destination Vacations

Senior Living

30 Local Event Guide

48 Investing For The Future 50 Travel In Style 52 Saving For Retirement

• Promote your brand • Earn new clients • Grow your business www.The55Guide.com

CO NTE NT S 2020-2021 SCHEDULES 22

PGA Tournaments

LPGA Tournaments

Grand Slam Tennis Tournaments - Australian

Grand Slam Tennis Tournaments - French

Grand Slam Tennis Tournaments - Wimbledon

Grand Slam Tennis Tournaments - US Open

Recommended Service Directory

PHOENIX

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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 homeâ&#x20AC;&#x2122;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 â&#x20AC;&#x153;Smart Homes,â&#x20AC;? 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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PHOENIX

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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.

PHOENIX

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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 Spainâ&#x20AC;&#x2122;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.

PHOENIX

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 worldâ&#x20AC;&#x2122;s only stadium built in its entirety of marble. This site is home to the first modern Olympics in 1896, where it held a

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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.

g n i v i L r o i n e S

PHOENIX

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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. 18

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 20)

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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 residentsâ&#x20AC;&#x2122; 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 20

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!

PHOENIX

DATES

2020 PGA TOURNAMENT SCHEDULE

* Schedule subject to change

TOURNAMENT

DEFENDING CHAM5PION

JUN 11 - 14

Charles Schwab Challenge

Kevin Na

JUN 11 - 14

RBC Canadian Open

Rory McIlroy

JUN 18 - 21

RBC Heritage

C.T. Pan

Travelers Championship

Chez Reavie

JUL 2 - 5

Rocket Mortgage Classic

Nate Lashley

JUL 9 - 12

John Deere Classic

Dylan Frittelli

JUL 9 - 12

Tournament TBD

[ ORIG May 21-24 ]

[ CANCELED ]

[ ORIG Apr 16-19 ]

JUN 25 - 28 [ ORIG May 28-31 ]

[ CANCELED ]

Colonial CC, Fort Worth, TX St. George’s G&CC, Toronto, ON, CAN Harbour Town GL, Hilton Head, SC TPC River Highlands, Cromwell, CT Detroit Golf Club, Detroit, MI TPC Deere Run, Silvis, IL

$1,314,000 $1,368,000 $1,242,000 $1,296,000 $1,314,000 $1,080,000

JUL 16 - 19

Barbasol Championship

Jim Herman

JUL 16 - 19

The Memorial Tournament presented by Nationwide

Patrick Cantlay

JUL 16 - 19

The Open Championship

Shane Lowry

3M Open

Matthew Wolff

JUL 30 AUG 2

World Golf Championships - Fed Ex St. Jude Invitational

Brooks Koepka

JUL 30 AUG 2

Barracuda Championship

Collin Morikawa

JUL 30 AUG 2

Olympic Men’s Golf Competition

Justin Rose

AUG 6 - 9

PGA Championship

Brooks Koepka

AUG 13 - 16

Wyndham Championship

Sedgefield CC, Greensboro, NC

J.T. POSTON $1,116,000

AUG 20 - 23

THE NORTHERN TRUST

Patrick Reed

AUG 27 - 30

BMW Championship

Justin Thomas

SEP 4 - 7

TOUR Championship

Rory McIlroy

[ CANCELED ]

[ ORIG Jun 4-7 ]

[ CANCELED ]

JUL 23 - 26

[ ORIG Jul 2-5 ]

[ POSTPONED ] [ ORIG May 14-17 ]

[ ORIG Aug 6-9 ]

[ ORIG Aug 13-16 ]

[ ORIG Aug 20-23 ]

[ ORIG Aug 27-30 ]

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Keene Trace Golf Club, Nicholasville, KY Muirfield Village GC, Dublin, OH

Royal St. George’s GC, Sandwich, Kent, ENG TPC Twin Cities, Blaine, MN TPC Southwind, Memphis, TN

Tahoe Mt. Club (Old Greenwood), Truckee, CA

Kasumigaseki Country Club, Saitama, JPN TPC Harding Park, San Francisco, CA

TPC Boston, Norton, MA Olympia Fields CC (North), Olympia Fields, IL East Lake GC, Atlanta, GA

$630,000

$1,638,000 $1,935,000 $1,152,000 $1,745,000

$630,000

$1,980,000

$1,665,000 $1,665,000

PHOENIX

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2020 PGA

TOURNAMENT SCHEDULE DATES

SEP 10 - 13 SEP 17 - 20

[ ORIG Jun 18-21 ]

SEP 25 - 27 SEP 24 - 27

[ ORIG Mar 26-29 ]

OCT 1 - 4 OCT 8 - 11 OCT 15 - 18 OCT 22 - 25 OCT 29 NOV 1 OCT 29 NOV 1 NOV 5-8 NOV 12 - 15 [ ORIG Apr 9-12 ]

NOV 19 - 22 DEC 3 - 6 DEC 3 - 6 DEC 11 - 13

* Schedule subject to change

TOURNAMENT

DEFENDING CHAM5PION

Safeway Open

Cameron Champ

U.S. Open

Gary Woodland

Silverado Resort and Spa North, Napa, CA Winged Foot GC, Mamaroneck, NY

Ryder Cup

$1,188,000 $2,250,000

Whistling Straits, Hokler, WI

EUROPE

Corales Puntacana Resort & Club Championship

Graeme McDowell

Sanderson Farms Championship

Sebastian Munoz

Shriners Hospitals for Children Open

Kevin Na

The CJ Cup @ Nine Bridges

Justin Thomas

Zozo Championship

Tiger Woods

World Golf Championships - HSBC Championship

Rory McIlroy

Bermuda Championship

Brendon Todd

Houston Open

Lanto Griffin

Masters Tournament

Tiger Woods

The RSM Classic

Tyler Duncan

Mayakoba Golf Classic

Brendon Todd

Hero World Challenge

Henrik Stenson

QBE Shootout

Rory Sabbatini, Kevin Tway

Corales Golf Club, Punta Cana, DOM CC of Jackson, Jackson, MS

TPC Summerlin, Las Vegas, NV Nine Bridges, Jeju Island, KOR

Accordia Golf Narashino CC, Chiba, JPN Sheshan Intâ&#x20AC;&#x2122;l GC, Shanghai, CHN

Port Royal GC, Southampton, BER Memorial Park Golf Course, Houston, TX Augusta National GC, Augusta, GA Sea Island Resort (Seaside), Sea Island, GA El Camaleon GC, Playa del Carmen, MEX Albany, New Providence, BAH Tiburon GC, Naples, FL

$540,000

$1,188,000 $1,260,000 $1,755,000 $1,755,000 $1,745,000 $540,000

$1,350,000 $2,070,000 $1,188,000 $1,296,000 $1,000,000 $435,000

PHOENIX

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2020 LPGA TOURNAMENT SCHEDULE DATES

OCT 1 - 4 [CANCELED]

OCT 2 - 4

[ORIG May 29-31]

OCT 8 - 11 [ORIG Jun 25-28]

Oct 15 - 18 Oct 22 - 25 Oct 29 Nov 1

TOURNAMENT

Meijer LPGA Classic For Simply Give Blythefield CC, Grand Rapids, MI 49305 ShopRite LPGA Classic Presented by Acer Galloway, NJ KPMG Women’s PGA Championship Aronimink Golf Club, Pennsylvania Buick LPGA Shanghai

DEFENDING CHAMPION

$2,300,000

(Brooke Henderson)

$1,750,000

(Lexi Thompson)

$4,300,000

(Hannah Green)

$2,100,000

(Danielle Kang)

BMW Ladies Championship LPGA International Busan, South Korea

$2,000,000

(Inaugural Year)

Swinging Skirts LPGA Taiwan Championship

$2,200,000

(Nelly Korda)

$1,500,000

(Nasa Hataoka)

$1,750,000

(Inaugural Year)

$1,400,000

(Cheyenne Knight)

$5,500,000

(Jeonguen Lee6)

$5,000,000

(Lexi Thompson)

Shanghai Qizhong Garden GC, Minhang District, Shanghai, China

TOTO Japan Classic Seta Golf Course-North, Shiga, Japan NOV 19 - 22 Pelican Women’s Championship [ORIG May 14-17] presented by DEX Imaging Volunteers of America Classic DEC 3 - 6 Old American GC, The Colony, TX 75056 DEC 10 - 13 U.S. Women’s Open Championship [ORIG Jun 4-7] conducted by the USGA CME Group Tour Championship DEC 17 - 20 Ritz Carlton Golf Resort-Tiburon GC, Naples, FL 34109 Nov 6 - 8

* Schedule subject to change PURSE

LOCAL EVENTS GUIDE

PHOENIX 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.

OCTOBER

OCT 24 - 25 | TACO FESTIVAL Enjoy the best tacos, tequila, and more at Arizona Taco Festival! Festival highlights include lucha libre wrestling, a live music stage, interactive photo booths, a hot chili pepper eating contest and more! For more info visit: aztacofestival.com

NOVEMBER

NOV 6 | ART WALK Tour more than 70 galleries, venues and art-related spaces to see a variety of artwork and to enjoy the spirit and culture of the city. Visitors are invited to hop-on/hop-off free shuttles that circulate on three routes through downtown Phoenix’s arts districts. Come enjoy a day full of art! For more info visit: artlinkphoenix.com NOV 12 - 22 | FILM FESTIVAL Our mission is to support and develop the artistic appreciation, educational opportunities and growth of independent film within Arizona. The Foundation’s primary 30

functions through its programs are to promote the exhibition of independent films and conduct educational programs that teach the art of filmmaking For more info visit: phoenixfilmfestival.com

DECEMBER

DEC 1 - 27 | LAS NOCHES DE LAS LUMINARIAS Celebrate the spirit of the season with Las Noches de las Luminarias. Stroll the Garden’s trails lined with 8,000 flickering luminaria bags, gaze at twinkling lights and admire the enchanting glow of Wild Rising creatures. Happen upon tunes from eclectic entertainment groups and cherish the time spent with friends and family during the holiday season. For more info visit: dbg.org DEC 1 - 31 | GLENDALE GLITTERS Glendale Glitters is Arizona’s largest free holiday light display and a beloved family tradition, as charming downtown Glendale is illuminated by more than 1.6 million twinkling lights across 16 blocks. For more info visit: https://bit.ly/3e2Q2te (. . .continued on page 32)

LOCAL EVENTS GUIDE

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JANUARY

JAN 22 - 25 | BALLOON CLASSIC Balloons will lift off into the beautiful desert sky. One of Arizona’s most popular outdoor signature events and the ONLY hot air balloon race in the state. A field full of illuminated hot air balloons will glow in time to music. Come bring your appetite, as there will be an amazing variety of festival foods! For more info visit: abcfest.com JAN 30 - 31 | WINE FESTIVAL The festival will feature 20 Arizona Wineries pouring over 200 different wines. As well as different food trucks, a vintage village and numerous other non-winery vendors. There will be live entertainment throughout the festival. Come on by to enjoy a weekend full of wine and fun! For more info visit: https://bit.ly/2JemPAq

FEBRUARY

FEB 6 - 28 | RENAISSANCE FEST Don’t miss Raucous Revelry at the Annual Arizona Renaissance Festival! This unique outdoor event 32

combines entertainment and wares reminiscent of what may have been found in a 16th Century European village market celebrating the arrival of the King and Queen to their shire. Walk through the gates to be transported back in time. For more info visit: arizona.renfestinfo.com FEB 16 - 23 | DEVOURED CULINARY CLASSIC The most anticipated culinary event in the region, Devour Culinary Classic brings together the culinary and beverage leaders that are establishing Arizona as a sought-after destination. Enjoy Arizona’s best food and beverage amidst the beautiful backdrop of the largest botanical garden in the Southwest. For more info visit: devourphoenix.com FEB 27 - 28 | INNINGS FESTIVAL For passionate baseball fans to come together with food vendors with the best the southwest has to offer. A Spring Training celebration featuring top musical talent, MLB greats, baseball-themed activities and local bites. For more info visit: inningsfestival.com (. . .continued on page 34)

LOCAL EVENTS GUIDE

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MARCH

MARCH 6 - 7 | INDIAN FAIR & MARKET The fair is the largest art market in Arizona and the second largest market of its kind in the country. It features more than 600 Native artists from 116 tribal affiliations in the U.S. and Canada. A variety of traditional and cutting-edge media dazzle visitors each year! For more info visit: https://bit.ly/31LDtxJ MARCH 12 - 14 | ARTS FESTIVAL The three-day Scottsdale Arts Festival features 170 awe-inspiring artists from throughout North America who display their work for sale. Visitors also enjoy continuous live music and entertainment from Arizona’s top bands and performers, temporary art projects, fun activities for children and families, and delicious foods and beverages including a wine and beer tasting garden. For more info visit: scottsdaleartsfestival.org

MARCH 13 | ST. PATRICK’S DAY PARADE The Phoenix St. Patrick’s Day Parade began in 1984. It’s purpose is to preserve and enhance the heritage and traditions of the Irish Culture as well as share that culture with the citizens of Arizona. The Parade has marching bands, Irish step dancers, bagpipers, police and fire vehicles, government dignitaries, floats, and a whole lot more! For more info visit: stpatricksdayphoenix.org

APRIL

APRIL TBA | CRAFT SPIRITS AND COCKTAIL FESTIVAL The Arizona Craft Spirits and Cocktail Festival is a celebratory event showcasing the best brews, cocktails and wines Arizona has to offer. Top DJs supply the musical backdrop for this event while guests enjoy cocktails, bartending and mixology competitions, tasty treats and promotional giveaways. Whether you’re into sweet blueberry vodka or rich, hoppy classic ales, this festival is sure to pack a drink that will wet your whistle! For more info visit: https://bit.ly/3jCQe3u

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LOCAL EVENTS GUIDE

(. . .continued from 34) APRIL 18 | CULINARY FESTIVAL Scottsdale Culinary Festival, America’s original and longest running culinary event. The epicurean edition that incorporates favorites as well as diverse selections of vegetarian, healthy and international flavors emphasizing lively gastronomic discovery. For more info visit: scottsdalefest.org APRIL 21 - 25 | COUNTY FAIR The Maricopa County Fair is held annually at the Arizona State Fairgrounds. The Fair features the largest county fair carnival in Phoenix with over 35 rides. Foodies will appreciate the wide selection of fair food. Like to shop? The shopping pavilion is filled with over 60 vendors plus there are over 25 more vendors outside. Agriculture and livestock are a part of the fair’s history and tradition and is a mainstay at the fair. For more info visit: maricopacountyfair.org

MAY

MAY 2 | CINCO DE MAYO Cinco de Mayo Phoenix Festival is a historic staple of the City of Phoenix. 36

Cinco de Mayo signifies the victory of the Mexican army over the French in 1862. Enjoy music, lucha libre, baile folklorico, great food and drink and activities for the entire family. For more info visit: cincophx.com MAY 8 | WINE FESTIVAL The Verde Valley Wine Festival is Northern Arizona’s quintessential festival featuring the finest local Arizona wine, beer, spirits, gourmet food samples, live music, arts, and culture. The Verde Valley Wine Festival is typically held in charming historic Clarkdale, Arizona. Come enjoy an afternoon of wine, food, music and fun! For more info visit: verdevalleywinefestival.com

JUNE

JUNE TBA | CHILI FESTIVAL If you like to cook chili, compete and have fun... you’re in the right place! 2 Day Chili Festival. First day is the Annual Route 66 Regional Chili Cookoff and the second day is the Annual Arizona State Championship Chili Cookoff. Chili Cooks from around the southwest gather to (. . .continued on page 38)

LOCAL EVENTS GUIDE

(. . .continued from 36) cook and compete for a chance to qualify for the World Championship Chili Cookoff. Family friendly fun and family friendly food! For more info visit: chilicookoff.com JUNE TBA | MEXICAN FOOD FEST A Mexican food festival celebrating Visit Tucson’s best 23 miles of Mexican food in America. For more info visit: https://bit.ly/2Txbxch

JULY

JULY TBA | REAL WILD & WOODY BEER FESTIVAL Join us as we celebrate 30 years of craft beer with brews, bites, live original music, rock wall and a gamer’s paradise. The indoor summer festival will prove a great spot for sampling specialty casks, rich and unique flavor combinations and other never-before-sipped brews! For more info visit: https://bit.ly/3e73hZS JULY 4 | 4TH OF JULY Greater Phoenix area is famous for its massive Fourth of July celebrations with spectacular fireworks, 38

tasty barbecues and thousands of people on the streets enjoying their festive family outing! For more info visit: https://bit.ly/35FTcPX

AUGUST

AUG TBA | MARGARITA CHAMPIONSHIP The World Margarita Championship, an unforgettable evening of spirited cocktail competitions, tastings of world class Margaritas and tequilas, cuisine of the southwest, and more! For more info visit: https://bit. ly/2TwHtxv

SEPTEMBER

SEPT TBA | ARIZONA SALSA, TEQUILA & TACO CHALLENGE For nearly a decade, cocktail craft and culinary creativity is taken to a new level at Southern Arizona Arts & Cultural Alliance’s Annual Salsa, Tequila & Taco Challenge. Tequila infused popsicles, sno-cones, and mixed drinks will surprise attendees with refreshing colors, while kimchi, blueberry-jalapeno and “Smokeless Fire” salsas will spice up their palettes. For more info visit: https://bit.ly/34CCEsE (. . .continued on page 38)

2020 GRAND SLAM LOCAL EVENTS GUIDE TOURNAMENT SCHEDULE

DATE

PHOENIX

PLAY START

* Schedule subject to change

SESSION

2nd Round - Ladies / Mens Singles

Thu Oct 1 10:30 THAT AM THESE 1stUNCERTAIN Round LadiesTIMES & Mixed Doubles PLEASE NOTE: WEâ&#x20AC;&#x2122;RE AWARE ARE LIMITING MANY ASPECTS 2nd Round MensDISTANCING. Doubles OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DUE TO THE CURRENT Round - Ladies / Mens Singles OUTBREAK, MANY EVENTS HAVE EITHER3rd BEEN CANCELLED, RESCHEDULED, OR CHANGED FriTO Oct 2 10:30 AMVERIFY 2nd - Ladies / Mens Doubles VIRTUAL EVENTS. PLEASE ALLRound EVENTS PRIOR TO ATTENDING. THANK YOU. 1st Round - Mixed Doubles

Sat Oct 3

10:30 AM

3rd Round - Ladies / Mens Singles 2nd Round - Ladies & Mixed Doubles 3rd Round - Mens Doubles

Sun Oct 4

10:30 AM

4th Round - Ladies / Mens Singles 3rd Round - Ladies / Mens Doubles 2nd Round Mixed 1st Round Juniors Singles

Mon Oct 5

10:30 AM

4th Round - Ladies / Mens Singles Qtr Finals - Mens & Mixed Doubles 3rd Round - Ladies Doubles 1st & 2nd Round - Juniors Singles, 1st Round Juniors Doubles

Tues Oct 6

10:30 AM

Day / Evening - Qtr Finals - Ladies / Mens Singles Qtr Finals - Ladies / Mens / Mixed Doubles 2nd Round - Juniors Singles, 1st & 2nd Round - Juniors Doubles

Wed Oct 7

10:30 AM

Day / Evening - Qtr Finals - Ladies / Mens Singles Qtr Finals - Ladies Doubles Semi Finals - Mixed Doubles 3rd Round - Juniors Singles, 2nd Round Juniors Doubles

Thu Oct 8

10:30 AM

Day - Finals - Mixed Doubles, Evening - Semi Finals Ladies Singles Semi Finals - Mens Doubles Qtr Finals - Juniors Singles & Doubles

Fri Oct 9

10:30 AM

Day / Evening - Semi Finals - Mens Singles Semi Finals - Ladies Doubles Semi Finals - Juniors Singles & Doubles

Sat Oct 10

10:30 AM

Day - Finals - Mens Doubles Evening - Finals - Ladies Singles Finals - Juniors Singles & Doubles

Sun Oct 11

10:30 AM

Day - Finals - Ladies Doubles Evening - Finals - Mens Singles

PHOENIX

| ARIZONA | VOL . 2

2021 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

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

PLAY START 11:00 AM

SESSION 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

2020 GRAND SLAM

LOCAL EVENTS TOURNAMENT GUIDE SCHEDULE

SESSION

DATE

PHOENIX

* Schedule subject to change

SCHEDULE

PLAY START

MATCHES

Day

11:00 AM

Men’s / Women’s R1

Night

7:00 PM

Men’s / Women’s R1

Wed 2 Sep

Day

11:00 AM

Men’s / Women’s R2

Wed 2 Sep

Night

7:00 PM

Men’s / Women’s R2

Thu 3 Sep

Day

11:00 AM

Men’s / Women’s R2

Thu 3 Sep

Night

7:00 PM

Men’s / Women’s R2

Mon 31 Aug

Tue 1 Sep

5 6 7 8

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS Aug Night 7:00 PM Men’s / Women’s DUE R1 TO THE CURRENT OF LIFE 2AS WEMon ALL31PRACTICE SOCIAL AND PHYSICAL DISTANCING. OUTBREAK, MANY HAVE EITHER11:00 BEENAM CANCELLED, RESCHEDULED, OR CHANGED 3 Tue 1EVENTS Sep Day Men’s / Women’s R1 TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

Fri 4 Sep

Day

11:00 AM

Men’s / Women’s R3

Fri 4 Sep

Night

7:00 PM

Men’s / Women’s R3

Sat 5 Sep

Day

11:00 AM

Men’s / Women’s R3

Sat 5 Sep

Night

7:00 PM

Men’s / Women’s R3

Sun 6 Sep

Day

11:00 AM

Sun 6 Sep

Night

7:00 PM

Men’s / Women’s Round of 16

Mon 7 Sep

Day

11:00 AM

Men’s / Women’s Round of 16

Mon 7 Sep

Night

7:00 PM

Men’s / Women’s Round of 16

Tue 8 Sep

Day

11:00 AM

Men’s / Women’s Quarterfinals

Tue 8 Sep

Night

7:00 PM

Men’s / Women’s Quarterfinals

Wed 9 Sep

Day

11:00 AM

Men’s / Women’s Quarterfinals

Wed 9 Sep

Night

7:00 PM

Men’s / Women’s Quarterfinals

Thu 10 Sep

Night

7:00 PM

Women’s Semifinals

Fri 11 Sep

Day

12:00 PM

Men’s Semifinals

Sat 12 Sep

Day

12:00 PM

Women’s Final

Sun 13 Sep

Day

1:00 PM

Men’s Final

Men’s / Women’s Round of 16

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2021 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

Date

Session

Wed Fri 1/13-15

Rod Laver

Margaret Court

Outside Courts

11:00am

10:00am

Sat / Sun 1/16-17 Mon 1/18 Tue 1/19 Wed 1/20 Thu 1/21 Fri 1/22 Sat 1/23 Sun 1/24 Mon 1/25 Tue 1/26 Wed 1/27 Thu 1/28

Qualifying Rounds

NO PLAY Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

11:00am –

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

1st round

2nd round

2nd round 3rd round 3rd round 4th round

4th round

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

Featured Matches

Women’s Finals Men’s Finals

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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 wonâ&#x20AC;&#x2122;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 48

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.

PHOENIX

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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. 50

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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. 51

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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. •

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.

(. . .continued on page 53)

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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. •

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 54)

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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.

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

RECOMMENDED SERVICE DIRECTORY

AIR CONDITIONING & HEATING Brewer’s Air Conditioning & Heating ..............37

FLORAL DÉCOR Dei-Zinz ..........................................................................5

AIR PURIFICATION PRODUCTS 4B Trades LLC.............................................................11

FROZEN YOGURT Dream Swirls .............................................................33

BAKED GOODS Mrs. Bickels .................................................................. 4

GLUTEN FREE DESSERTS Mrs. Bickels .................................................................. 4

BATHROOM REMODELING Bath Fitter....................................................................21 Re-Bath & Kitchens ....................Front Inside Cover

GUIDED TOURS Apache Trail Tours ..................................................37

CABINETRY Woodcase Fine Cabinetry ........Back Inside Cover COLLISION Unlimited Collision & RV.......................................23 CRATING Craters & Freighters Phoenix .............................45 DESERT TOURS Apache Trail Tours ..................................................37 EAR NOSE & THROAT SPECIALISTS Estrella Ear, Nose and Throat PC......................33 ESTATE PLANNING Lyman Law .................................................................25 Donaldson Stewart PC ..........................................35 FAMILY LAW Donaldson Stewart PC ..........................................35 FINANCIAL PLANNING DM Brown Financial Services ...................... 15, 49

HOME BUILDER Wickenburg Ranch ..................................Back Cover INSURANCE Dani Warren Farm Bureau Financial Services..................27, 31 Lloyd & Sons Insurance............................................7 KITCHEN REMODELING Re-Bath & Kitchens ....................Front Inside Cover MEDICAL LAB ARC Point Health....................................................... 9 MORTGAGE LENDING Wallick & Volk ...........................................................47 MORTGAGES Shelly McCammond American Advisors Group ......................................1 Tara Zermeno Arizona Federal Credit Union.................................1 MOSIAC WORKSHOPS & CLASSES MG Studios .................................................................47

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NEUROLOGY Xenoscience Inc .......................................................37

ROOFING Sonoran Sky Contracting....................................... 9

ORTHOTICS Homestead Orthotics LLC ....................................19

RV & TRAILER PARTS & SERVICE Auto Safety House...................................................41

OVERHEAD DOORS On Track Garage Door Service ............................11

SECURITY AGENCY OVERSII .......................................................................39

PACKAGING & SHIPPING Craters & Freighters Phoenix .............................45

SENIOR LIVING Hospice of the Valley ..............................................17

PARKING ENFORCEMENT OVERSII .......................................................................39

SILK TREES Dei-Zinz ..........................................................................5

PLUMBING SERVICES Mountain Ridge Plumbing Services ................43

SUBSTANCE ABUSE TREATMENT Sobermans Estate.................. Front Cover, 28 - 29

PROBATE Donaldson Stewart PC ..........................................35

VEIN CENTER Modern Vascular.........................................................3

REAL ESTATE Ryan Rosscup - Realty One Group ...................13

WATER HEATERS Water Heater Man ...................................................35

REVERSE MORTGAGES Shelly McCammond American Advisors Group ......................................1 Tara Zermeno Arizona Federal Credit Union.................................1

WATERPROOFING Absolute Waterproofing ......................................33

ROOFING Foremost Roofing Co LLC ...................................47 MASONRY Sonoran Sky Contracting....................................... 9

WEALTH MANAGEMENT DM Brown Financial Services ...................... 15, 49

Phoenix 2

Articles inside

Travel In Style

Luxury Living

Investing For The Future

Destination Vacations