SACRAMENTO CALIFORNIA | VOL. 1
INSIDE THIS ISSUE: FEATURED ARTICLES
RETIREMENT • INVESTING • VACATION
RECOMMENDED SERVICE DIRECTORY
TRAVEL • LIVING • HEALTH • DINING
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CO NTE NT S FEATURES 4
Luxury Living
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Senior Living
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Destination Vacations
16
Saving For Retirement
4
24 Local Event Guide
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36 Travel In Style 38
Recommended Service Directory
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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. 4
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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.
LUXURY
LIVING IDEAS
MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions. 6
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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. 8
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 10)
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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 10
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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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. 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. 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.
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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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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. • D . o 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. • D . on’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. •
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. 18
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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
LOCAL EVENTS GUIDE
SACRAMENTO NOVEMBER
NOV 1 | Dia de los Muertos Come remember your loved ones and celebrate with your community at Oak Park’s fourth annual observance of Día de los Muertos! Join the community celebration that includes tributes, or altares, for deceased loved ones, live traditional Mexican music, dance performances, food vendors, artists, free kids’ crafts, and more. For more info visit: http://bit.ly/sac-nov1 NOV 8-9 Opera Favorites: All Mozart Join us at the Sacramento Philharmonic & Opera for some opera favorite by Mozart. The program features Operatic Finales from “Cosi fantutte”, The Marriage of Figaro”, and Symphony No. 41, “Jupiter.” For more info visit: http://bit.ly/sac-nov8
DECEMBER
DEC 6 | Natomas Holiday Tree Lighting Please join Councilmember Hansen for the Natomas Holiday Tree Lighting community event hosted by the Natomas Chamber of Commerce. Craft stations will be set up at the lighting event, where children can gather together in Santa’s workshop to create and welcome in the holiday season. For more info visit: http://bit.ly/sac-dec6 24
DEC 7 | Lighted Boat Parade All are welcome to join the Capital City Yacht Club annual lighted boat parade! Boats will assemble in the Sacramento River about 5pm around the Miller Park area. The Parade will begin around 5:20pm. The parade will head up river, past Old Sacramento to Riverbank Marina. It will turn around at the Virgin Sturgeon and head back down river. Spectators can view the parade in Old Sacramento, Crawdads On The River, or Chevy’s Fresh Mex.. For more info visit: http://bit.ly/sac-dec7 DEC 21 | Irish Christmas in America This family-friendly performance features evocatively-sung Irish ballads, lively instrumental tunes and thrilling Irish dancing, while evocative photographic images provide a backdrop to some of the rich historical traditions. Take a memorable glimpse into the enchanting spirit of Christmas, as the finest traditional artists from Ireland bring you on a fun-filled start to the holiday season. For more information visit: http://bit.ly/sac-dec21
JANUARY
DEC 14 - JAN 4 | Hansel and Gretel Set to the beautiful melodies of the Humperdinck opera, this Grimm’s fairy tale tells the timeless story of siblings who get lost in the woods. (. . .continued on page 26)
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When they come upon Rosina’s candy house in the forest, will they realize the danger they are in? Will they be able to outsmart the witch? A perfect holiday treat! For more info visit: http://bit.ly/sac-dec14 JAN 5 | Alexander String Quartet 3 The Alexander String Quartet will be performing Shostakovich’s “Quartet No. 12” and Shostakovich’s “Quartet No. 13.” The musical career of Dmitri Shostakovich mirrored exactly the rise and history of the Soviet Union from 1917 to 1975. He entered the Petrograd Conservatory at the very end of the Tsarist era; he witnessed the Revolution and began his career during Lenin’s rule; he was nearly purged twice by Stalin; he flourished under Khrushchev and died while Brezhnev was in power.. For more information visit: http://bit.ly/sac-jan5 JAN 7 | Shen Yun Shen Yun Performing Arts is the world’s premier classical Chinese dance and music company, with a noble mission to revive the lost tradition of Chinese culture and share it with everyone. The name Shen Yun means the beauty of divine beings dancing. Through the universal language of music and dance, Shen Yun weaves a wondrous tapestry of heavenly realms, ancient legends, 26
and modern heroic tales, taking you on a journey through 5,000 years of civilization. For more info visit: http://bit.ly/sac-jan7
FEBRUARY
JAN 9 - FEB 13 | S’mores & Stouts Love dark beer s’more than you can handle? S’mores and Stouts returns to Drake’s: The Barn. This celebration of stouts and sticky, gooey, campfire classics will be held every Thursday through the beginning of the new year. Starting at 5pm, we’ll be serving up housemade, graham cracker sandwiches for all-ages until we run out! Each one is made to order so they’re guaranteed to be piping hot and all kinds of toasty magic. For more information visit: http://bit.ly/sac-jan9 JAN 23 - FEB 23 Cirque De Soleil - Amaluna Amaluna is a touring show by Cirque du Soleil created and directed by Diane Paulus. Loosely inspired by William Shakespeare’s The Tempest, the story takes place on an island governed by goddesses. During a storm, a group of men are washed up on shore. The queen’s daughter falls for one of the young men, and the trials of their love are the basis of the show’s main narrative. For more info visit: www.cirquedusoleil.com/amaluna (. . .continued on page 28)
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DEC 16 - FEB 17 Discover the Dinosaurs Take a prehistoric trip to the zoo between September and January and visit some of the most ancient animals ever to walk the earth. These realistic, life-like creatures will make you feel like you’ve traveled back in time while you learn about their many connections to modern animals. Spend some time learning about paleontologists’ best assessments of each of our dinosaur species as you read about their individual identification signs. For more info visit: https://www.saczoo.org/ visit/discover-the-dinosaurs/
MARCH
MAR 4 | Senior Luau Aloha! The annual Senior Luau is an event produced by the Fair Oaks Recreation and Park District and the Fair Oaks Rotary Club. This event allows seniors in the Fair Oaks community to come together and socialize in a friendly, enjoyable environment and experience a Hawaiian Luau. Live music and dancing provided by Aloha Dancers. Lunch provided by American River College Culinary Arts catering. For more info visit: http://bit.ly/sac-mar4 MAR 9 | NatGeo Live! Brian Skerry The 2017 National Geographic Explorer of the Year — and one of 28
National Geographic’s most seasoned photographers — will help you discover a vast, hidden world beneath the waves. His images celebrate the mystery of the depths and offer portraits of creatures so intimate they sometimes appear to have been shot in a studio. The 11-time award winner in the Wildlife Photographer of the Year competition, Skerry dives eight months of the year, often in extreme conditions beneath Arctic ice or in predator-infested waters. For more info visit: http://bit.ly/sac-mar9 MAR 14 | Shamrock’n Roll Festival and Beer Garden Please join Chasten Gold Nonprofit for their first annual Shamrock’n Roll Festival and Beer Garden! The day schedule services a St. Patrick’s Day family-friendly event filled with music and entertainment, raffles and giveaways, delicious food trucks, themed arts and crafts, and carnival games the whole family will enjoy. Hosts will also lead the crowd in hourly ‘Minute to Win It’ games for groups to win extra prizes during the festival! A beer garden, including wine and green beer, will be available for all Ages 21+! For more info visit: http://bit.ly/sac-mar14
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APRIL
APR 4-5 | Grilled Cheese, Beer, and Wine Festival The Sacramento Grilled Cheese Festival is a full weekend of events dedicated to the one food you never out grow — Grilled Cheese! Come experience a grown-up take on this classic dish. Enjoy unlimited samples of the regions finest craft beers, sandwiches, and more while sipping from your souvenir tasting glass, playing games, and enjoying the music of a live DJ. Not a fan of lines? Go VIP and beat the crowd with early entry and additional sampling selections. For more info visit: http://bit.ly/sac-apr4 APR 8 | Drum Tao 2020 The internationally-acclaimed percussion artists return to Folsom! Combining highly physical, largescale drumming with contemporary costumes, precise choreography, and innovative visuals, Drum Tao introduced itself to America in 2016, in dramatic fashion: “The highly acclaimed debut of Drum Tao in Broadway will represent not only Japanese entertainment but Japan itself” (Newsweek). Come for an energetic and unforgettable production. For more information visit: http://bit.ly/sac-apr8
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MAY
MAY 1 | West Coast Invitational Craft Brew Fest Craft Beer has evolved. And we know your tastes have too. So, after 15 years of bringing you one of the region’s best beer festivals, the original West Coast Brew Fest, we put together our collective minds to develop the next evolution - a Craft Brew Event where you can focus on the quality of the brew, on the talent of the brewer, on the wonder of the Golden Age of Beer. www.westcoastinvitational.beer MAY 9 - 10 BerryFest Strawberry Festival Enjoy seasonal strawberry treats, unique foods, shopping and more under the shade of Royer’s expansive tree cover. Back for another year is the strawberry shortcake eating contest, scout-o-rama, strawberry selfie village, strawberry pancake breakfast, classic car show, kids carnival, mom’s retreat, petting zoo and pony rides. Of course, BerryFest wouldn’t be complete without entertainment on the mulberry community stage, live bands on the strawberry beer stage, non-stop kids’ shows on the blueberry stage, and cooking demos on the cranberry stage. For more info visit: www.feedmeberries.com
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JUNE
JUN 13 | Wine & Brew at the Zoo Join your friends at one of Sacramento’s best events – Wine & Brew at the Zoo! A sell-out event each year, don’t wait to get your tickets! Enjoy samples of local wine and beer from some of your favorite wineries and breweries. Take in the luscious green landscape of the zoo, surrounded by exotic animals, during this exclusive after-hours event featuring live music and tons of fun! Food is available for purchase from some of your favorite local food trucks and the zoo’s Kampala Cafe. For more information visit: http://bit.ly/sac-jun13 JUN 27 | Sac Tea Fest A event centered around Tea, come and experience Tea, its health benefits, taste and history. Tea Related Vendors, Food Pairings, etc.. For more information please visit: http://bit.ly/sac-jun27
JULY
traditional woodlife artwork with exhibits, fine arts, antiques, carvings, live birds, kids activities, carving and painting competitions, and advanced seminars presented by master carvers. For more info visit: http://bit.ly/sac-jul18 JUL 12 | Sacramento Antique Faire The Sacramento Antique Faire is an outdoor Antiques & Collectibles marketplace held the Second Sunday of every month. It’s a huge treasure hunt... Come join the fun, you never know what you might find! For more info visit: www.sacantiquefaire.com
AUGUST
AUG 1-2 | Festa Italiana 2020 Italian culture is alive and well in Sacramento at Festa Italiana! This festival gathers Italian-Americans and admirers of Italian culture each year to enjoy traditional Italian pastimes and entertainment. For more info visit: http://bit.ly/sac-aug1
JUL 18-19 | PFDA Wildfowl Art Fest At PFDA Wildfowl Art Festival, Whether your interests are carving, collecting, fine art, hunting, fishing, or birding, this year’s Classic will bring you closer to the world of wildlife art. The show highlights 32
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AUG 8-9 Japanese Food & Cultural Bazaar Join us at this community event, featuring great food, cultural exhibits, wonderful demonstrations such as flower arranging, calligraphy, and Taiko. For more information visit: http://bit.ly/sac-aug8
OCTOBER
SEPTEMBER
OCT 3-4 California Capital Airshow Fans will enjoy two days of non-stop action and Airshow excitement headlined by the USN Blue Angels along with a spine-tingling lineup of world-class military and civilian performers including, miles of amazing aircraft displays and interactive activities. Held at Mather Airport, conveniently located 10 miles from the heart of Downtown Sacramento, the two-day event honors the courage and sacrifice of our veterans, as well the men and women who currently serve our great nation while inspiring. For more info visit: californiacapitalairshow.com
SEP 12 | Wild Affair Gala Walk on the wild side at the 24th annual Wild Affair gala at the Sacramento Zoo! Guests will enjoy a farm-to-fork dinner at dusk, silent and live auctions and live entertainment. In addition, guests will enjoy unique animal encounters, meet and greets, and animal enrichment opportunities only offered once a year during Wild Affair. For more info visit: https://www.saczoo.org/ visit/event-calendar/wild-affair
OCT (TBA) | SAC Aloha Festival The Annual Sacramento Aloha Festival will celebrate Sacramento’s rich Polynesian culture. Experience live Native Polynesian entertainment, delicious foods and food vendors, authentic merchandise, exhibits, workshops, speakers, presentations, arts and crafts, and a cultural village. For more info visit: www.sacalohafest.org/
SEP 4-6 | Sacramento Greek Fest For more than 50 years, the Sacramento Greek Festival has shared the vibrant culture, rich food and traditions of Greece with our local community. For more info visit: sacramentogreekfestival.com
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SACRAMENTO | CALIFORNIA | VOL . 1
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. 36
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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. 37
RECOMMENDED SERVICE DIRECTORY
ACCOUNTANT Carlos E. Soler CPA..................................................29
ESTATE PLANNING Carlos E. Soler CPA..................................................29
APPRAISALS Modern Appraisal Services......................................1
ESTATE SALES Modern Appraisal Services......................................1
BOOKKEEPING Centenal Tax Group.................................................35
FINANCIAL ADVISOR John Guess - Edward Jones................................35
BUILDING SYSTEMS Villara Building Systems.......................................... 9
FITNESS California Family Fitness.................................20-21
CAR WASH Quick Quack Car Wash.............................................7
FUNERAL SERVICES Sunset Lawn Chapel of the Chimes..................27
CEMETARY Sunset Lawn Chapel of the Chimes..................27
GENERAL CONTRACOR Ranse Gale Construction........................................19
CONCRETE CONTRACTOR Richardson’s Concrete Effects........ Back Inside Cover
HOME BUILDER All American Modular................................................5
CRUISES Executive Travel Center.........................................33
INSURANCE InterWest Insurance Services LLC......................15 TD McNeil Insurance Services..............Back Cover Wayne Wong Insurance Agency........................31
CUSTOM CABINETS Closet Factory............................................................23 CUSTOM CLOSETS Closet Factory............................................................23
JEWELRY California Loan & Jewelry......................................17 (. . .continued on page 40)
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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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RECOMMENDED SERVICE DIRECTORY
LUXURY TRAVEL Executive Travel Center.........................................33
NON PROFIT ORGANIZATION American Red Cross................................................39
MASSAGE THERAPY Massage Heights.......................................................13
PAWN SHOP California Loan & Jewelry......................................17
MEDICAL SUPPLIES SleepCare Source.....................................................29
PILATES Balanced Body Inc......................................................7
MEDICARE TD McNeil Insurance Services...........Back Cover Wayne Wong Insurance Agency........................31
PROPERTY MANAGEMENT Sacramento Delta Property Management Inc....35
MEMORIAL PARK East Lawn Memorial Parks & Mortuaries............Front Cover, Front Inside Cover MORTGAGES Robert Ardelean - Golden State Mortgage, Inc....11 MORTUARY East Lawn Memorial Parks & Mortuaries............Front Cover, Front Inside Cover MOVING & RELOCATION SERVICES Moving with Grace......................................................3
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TAX PREPARATION Centenal Tax Group.................................................35 TAX SERVICES Carlos E. Soler CPA..................................................29 WHOLE HOUSE FANS Airsmart Whole House Fan Systems...............25 WINDOW TREATMENTS Budget Blinds of Rocklin........................................31