Sacramento 2 by The 55 Guide

SACRAMENTO CALIFORNIA | VOL. 2

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S

FEATURES 6

Senior Living

Luxury Living

20 Investing For The Future 30 Local Event Guide 38 Destination Vacations 46 Saving For Retirement

50 Travel In Style 52

Recommended Service Directory

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CO NTE NT S

2020-2021 SCHEDULES 22

LPGA Tournaments

PGA Tournaments

Grand Slam Tennis Tournaments - Australian

Grand Slam Tennis Tournaments - French

Grand Slam Tennis Tournaments - Wimbledon

Grand Slam Tennis Tournaments - US Open

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SACRAMENTO | CALIFORNIA | VOL . 2

RETIRE WITHOUT CHANGING YOUR LIFESTYLE

Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:

Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 6

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 8)

SACRAMENTO | CALIFORNIA | VOL . 2

Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the 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 8

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!

SACRAMENTO | CALIFORNIA | VOL . 2

OPEN FLOOR PLANS

A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.

An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the 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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SACRAMENTO | CALIFORNIA | VOL . 2

WINE CELLARS Exquisite wine storage is another amenity that most affluent homes contain. Private wine cellars built using materials such as glass and wood and are often thought to be works of art themselves. When considering one of these beauties, many factors come into play. One will want to consider the placement, temperature, humidity control, and of course bottle size accommodations.

LOCATION IS EVERYTHING When it comes to luxury home ownership, nothing beats a great location. Everyone desires their own slice of blissful paradise. One of the most important aspects to consider are privacy features such as bushes, hedges, trees or walls. The right landscape design features provide a concealed oasis, where one can relax and wind down. Picture yourself in a secluded ranch or gated beachfront enclave!

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SACRAMENTO | CALIFORNIA | VOL . 2

GAME ROOMS Game rooms or entertainment rooms are an old idea, but still on top of the list of luxury living ideas. Some would argue a luxury home is not complete without an in-home theatre or game room. The boundaries continue to be expanded with extra amenities such as indoor basketball courts, lavish sports bar set-ups, exquisite billiard areas, additional televisions and beverage storage.

IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of 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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SACRAMENTO | CALIFORNIA | VOL . 2

DRESSING ROOMS A dressing room is simply an extension of the master bedroom. This feature is commonly a top priority for the wealthy, as it functions as a place to both store and display lavish items such as purses, shoes, hats, and jewelry. There is an increasing demand among the jet-set crowd for larger and more lavish closet designs. Typical setups include cedar shelving, storage chests, ample lighting, and mirrors for cosmetics or modeling outfits.

SACRAMENTO | CALIFORNIA | VOL . 2

INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you 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 20

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.

SACRAMENTO | CALIFORNIA | VOL . 2

2020-2021 PGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT

DEFENDING CHAMPION

DEC 3 - 6

Mayakoba Golf Classic El Camaleon GC, Playa del Carmen, MEX

Brendon Todd $1,296,000

DEC 3 - 6 DEC 11 - 13

* Schedule subject to change

Hero World Challenge Albany, New Providence, BAH QBE Shootout Tiburon GC, Naples, FL

Henrik Stenson $1,000,000 Rory Sabbatini, Kevin Tway $435,000

JAN 7 - 10

Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI

Justin Thomas

JAN 14 - 17

Sony Open in Hawaii Waialae Country Club, Honolulu, HI

Cameron Smith

JAN 21 - 24

The American Express

Andrew Landry

JAN 28 - 31

Farmers Insurance Open

Marc Leishman

FEB 4 - 7

Waste Management Phoenix Open

Webb Simpson

FEB 11 - 14

AT&T Pebble Beach Pro-Am

Nick Taylor

FEB 18 - 21

The Genesis Invitational

Adam Scott

FEB 25 - 28

Puerto Rico Open

Viktor Hovland

FEB 25 - 28

World Golf Championships-Mexico Championship

Patrick Reed

MAR 4 - 7

Arnold Palmer Invitational presented by Mastercard

Tyrrell Hatton

MAR 11 - 14

THE PLAYERS Championship

MAR 18 - 21

The Honda Classic

MAR 24 - 28

World Golf Championships-Dell Technologies Match Play

MAR 25 - 28

Corales Puntacana Resort & Club Championship

APR 1 - 4

Valero Texas Open

APR 8 - 11

Masters Tournament

APR 15 - 18

RBC Heritage

APR 22 - 25

Zurich Classic of New Orleans

APR 29 - MAY 2

Valspar Championship

PGA WEST (Stadium), La Quinta, CA Torrey Pines (South), San Diego, CA TPC Scottsdale, Scottsdale, AZ

Pebble Beach Golf Links, Pebble Beach, CA

The Riviera Country Club, Pacific Palisades, CA Grand Reserve Country Club, Rio Grande, PUR Club de Golf Chapultepec, Mexico City, MEX Bay Hill Club & Lodge, Orlando, FL

$1,340,000 $1,188,000 $1,206,000 $1,350,000 $1,314,000 $1,404,000 $1,674,000 $540,000 $1,820,000 $1,674,000

TPC Sawgrass, Ponte Vedra Beach, FL

PGA National (Champion), Palm Beach Gardens, FL

Sungjae Im $1,260,000

Austin Country Club, Austin, TX

Corales Golf Course, Punta Cana, DOM

TPC San Antonio (AT&T Oaks), San Antonio, TX Augusta National Golf Club, Augusta, GA Harbour Town Golf Links, Hilton Head, SC TPC Louisiana, Avondale, LA

Innisbrook Resort (Copperhead), Palm Harbor, FL

Webb Simpson $1,278,000

SACRAMENTO | CALIFORNIA | VOL . 2

2020-2021 PGA

TOURNAMENT SCHEDULE

* Schedule subject to change

DEFENDING CHAMPION

DATES

TOURNAMENT

MAY 6 - 9

Wells Fargo Championship

MAY 13 - 16

AT&T Byron Nelson

MAY 20 - 23

PGA Championship

Collin Morikawa

MAY 27 - 30

Charles Schwab Challenge

Daniel Berger

JUN 3 - 6

The Memorial Tournament presented by Nationwide

Jon Rahm

JUN 10 - 13

RBC Canadian Open

JUN 17 - 20

U.S. Open

JUN 24 - 27

Travelers Championship

Dustin Johnson

JUL 1 - 4

Rocket Mortgage Classic

Bryson DeChambeau

JUL 8 - 11

John Deere Classic

JUL 15 - 18

Barbasol Championship

JUL 15 - 18

The Open Championship

JUL 22 - 25

3M Open

JUL 29 - AUG 1

Olympic Men's Golf Competition

AUG 5 - 8

Barracuda Championship

Richy Werenski

AUG 5 - 8

World Golf Championships-FedEx St. Jude Invitational

Justin Thomas

AUG 12 - 15

Wyndham Championship

Jim Herman

AUG 19 - 22

THE NORTHERN TRUST

Dustin Johnson

AUG 26 - 29

BMW Championship

Jon Rahm

SEP 2 - 5

TOUR Championship

Dustin Johnson

Quail Hollow Club, Charlotte, NC TPC Craig Ranch, McKinney, TX

KI Golf Rsrt. - Ocean Course, Kiawah Island, SC Colonial Country Club, Fort Worth, TX

Muirfield Village Golf Club, Dublin, OH

$1,980,000 $1,350,000 $1,674,000

St. George's G&CC, Toronto, ON, CAN Torrey Pines (South), San Diego, CA TPC River Highlands, Cromwell, CT Detroit Golf Club, Detroit, MI

$1,332,000 $1,350,000

TPC Deere Run, Silvis, IL

Keene Trace Golf Club, Nicholasville, KY

Royal St. George's GC, Sandwich, Kent, ENG TPC Twin Cities, Blaine, MN

Michael Thompson $1,188,000

Kasumigaseki Country Club, Saitama, JPN

Tahoe Mt. Club (Old Greenwood), Truckee, CA TPC Southwind, Memphis, TN

Sedgefield Country Club, Greensboro, NC Liberty National Golf Club, Jersey City, NJ Caves Valley Golf Club, Owings Mills, MD East Lake Golf Club, Atlanta, GA

$630,000 $1,820,000 $1,152,000 $1,710,000 $1,710,000

SACRAMENTO | CALIFORNIA | VOL . 2

2021 LPGA

TOURNAMENT SCHEDULE DATES JAN21-24 FEB25-28 MAR4-7 MAR25-28 APR1-4 APR14-17 APR22-25 APR29-MAY2

MAY6-9 MAY13-16 MAY20-23 MAY26-30 JUN3-6 JUN10-13 JUN17-20 JUN24-27 JUL1-4 JUL8-11 JUL14-17 JUL22-25 JUL29-AUG1 AUG12-15 AUG19-22 26

TOURNAMENT Diamond Resorts Tournament of Champions Four Seasons Orlando - Lake Buena Vista, FL Gainbridge Championship Drive On Championship at Golden Ocala pres. by JTBC Golden Ocala Golf and Equestrian Club - Ocala, FL Kia Classic Aviara Golf Club - Carlsbad, CA ANA Inspiration Mission Hills Country Club - Rancho Mirage, CA LOTTE Championship Ko Olina Golf Club - Kapolei, HI Hugel-Air Premia LA Open Wilshire Country Club - Los Angeles, CA HSBC Women's World Championship Sentosa Golf Club (Serapong Course) - Singapore, Singapore Honda LPGA Thailand Siam Country Club Pattaya Old Course - Pattaya City, Thailand Blue Bay LPGA Jian Lake Blue Bay Golf Course - Hainan Island, China Pure Silk Championship Kingsmill Resort Golf Course - Williamsburg, VA Match Play Event TBD U.S. Women's Open Olympic Club (Lake Course) - San Francisco, CA LPGA MEDIHEAL Championship Lake Merced Golf Club - San Francisco, CA Meijer LPGA Classic Blythefield Country Club - Belmont, MI KPMG Women's PGA Championship Atlanta Athletic Club, The Highlands Course - Johns Creek, GA Volunteers of America Classic Old American Golf Course - The Colony, TX Marathon LPGA Classic presented by Dana Highland Meadows GC - Sylvania, OH Dow Great Lakes Bay Invitational Midland CC (MI) - Midland, MI The Evian Championship Evian Resort Golf Club - Ã&#x2030;vian-les-Bains, France Event TBD Ladies Scottish Open AIG Women's Open Carnoustie Golf Links - Carnoustie, Scotland

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$1,200,000

Gaby Lopez

$2,000,000 $1,500,000

Danielle Kang

$1,800,000 $3,100,000

Mirim Lee

$2,000,000 $1,500,000 $1,600,000

$1,600,000 $2,100,000 $1,300,000 $1,500,000 $5,500,000

A Lim Kim

$1,800,000 $2,300,000 $4,300,000

Sei Young Kim

$1,500,000

Angela Stanford

$2,000,000

Danielle Kang

$2,300,000 $4,100,000 $1,100,000 $1,500,000

Stacy Lewis

$4,500,000

Sophia Popov

LOCAL EVENTS GUIDE

SACRAMENTO 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.

DECEMBER

DEC 1 - 23 | HOLIDAY IN THE HILLS Sutter Street Theatre is mounting its annual Christmas show, in which they bring historical local figures to life—like former Folsom Telegraph editor Peter J. Hopper, bandit Tom Bell and madam Emma Spencer— and reenact how the townsfolk celebrated the season back in the day through scenes, comedy sketches and songs. For more info visit: Sutterstreettheatre.com DEC 1 - 27 | A CHRISTMAS CAROL B Street Theatre presents an original adaptation of the Charles Dickens classic A Christmas Carol as part of its family series. The age-old tale of Ebenezer Scrooge, a miser who is shown the error of his ways by three spirits on Christmas Eve, is given an offbeat comedic treatment by B Street’s producing artistic director Buck Busfield, who sets the scene two years later when Scrooge is back to his old closefisted self and has to relive the entire ghostly scenario. For more info visit: bstreettheatre.org

JANUARY

JAN 8 - 24 | DINE DOWNTOWN Sacramento’s favorite culinary celebration is back this January! Now more than ever, the restaurants that established this as America’s Farm to Fork Capital need our support and there’s no better way than filling our plates with Dine Downtown’s infamous 3-course prix fixe menus. For more info visit: https://bit.ly/3oX08QV JAN 14 | VIRTUAL FOOD & WINE PAIRING After you’ve had enough turkey, ham, roast beef, mashed potatoes, gravy and all of the other fixins on the holiday table, it’s time to switch things up a bit. Say goodbye to the holidays and 2020 and hello to 2021; join us as winemakers and winery representatives present some of their favorite recipes to prepare in the new year. For more info visit: https://bit.ly/34eooWB

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LOCAL EVENTS GUIDE

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FEBRUARY

FEB 12 - 14 | LODI WINE & CHOCOLATE WEEKEND The annual Lodi Wine & Chocolate Weekend in Lodi, California, is an indulgent celebration of fine chocolates and artisan wines the weekend before Valentine’s Day (hint hint). The two-day affair features over 40 of the region’s wineries perfectly pairing their varieties with decadent offerings from local chocolatiers.For more info visit: lodiwineandchocolate.com Feb 21 | Brazilian Carnaval Get excited for the Brazilian Carnaval Sacramento. The festival features Sambada, the Mistura Brasileira Samba Dance Company, Unidos da Capital, Capoeira Batuque, Capoeira Agua de Beber, Fenix Drum and Dace, some delicious Brazilian food and drinks and much much more! For more info visit: https://bit.ly/37i5X5t

MARCH

MARCH 6 | CAPITOL BEER FEST Expect the same high-quality event 32

you’ve come to know and love that includes four hours of some of the nation’s best brewers, a great variety of food trucks, and live music! The generosity of brewers, attendees, and partners make this event possible and 100% of the proceeds go to the Runnin’ for Rhett Youth Fitness Program. For more info visit: capitolbeerfest.com MARCH 3 - 7 | JEWISH FILM FEST Get comfortable on your sofa or in your armchair! Because of ongoing stay-at-home restrictions due to the Covid-19 pandemic, our Sacramento Jewish Film Festival will be virtual. We intend to have at least eight films during our four-day festival, and we might expand the number of days of the festival in order to accommodate more films. For more info visit: https://bit.ly/3oUWab9

APRIL

APRIL TBA | BEER & CHILI FEST The Sacramento Beer & Chili Festival is part cook-off and part craft beer pairing and sampling party. For gourmets and the causal stew enthusiast alike, the competition (. . .continued on page 34)

LOCAL EVENTS GUIDE

(. . .continued from 32) is broken down into individual, vegetarian and industry categories. The all-day event is backed by local bands and brews, and a kids zone complete with face painting and crafts will keep little chili lovers engaged.For more info visit: sacramentobeerandchilifestival.com

APRIL 24 - 25 | WOODLAND CELTIC GAMES Everyone can explore the music, sports and style of Scotland at the Woodland Celtic Games & Festival. Entertainment includes classic bagpiping and drumming along with a variety of other traditional styles of music and dance. Rugged athletes compete in the legendary Scottish highland games with feats of strength and power. Vendors offer a diverse selection of arts, crafts and other goods with a Celtic theme. The festival provides a comprehensive sampling of the rich and ancient culture of Scotland. For more info visit: woodlandcelticgames.org

MAY

MAY 1 | HONEY FESTIVAL Save the bees! Historic Downtown Woodland is abuzz during the bee-centric California Honey Festival. Learn about bees and pollinators as you sip on honey beers and mixed drinks from local breweries and enjoy tasty honey creations on local restaurant menus throughout the week. For more info visit: californiahoneyfestival.com MAY 22 - 22 | GRILLED CHEESE, BEER, & WINE TASTING The Sacramento Grilled Cheese Festival is a full weekend of events dedicated to the one food you never outgrow — Grilled Cheese! Come experience a grown-up take on this classic dish.For more info visit: sacgrilledcheese.com MAY 29 | VEGAN FOOD FESTIVAL 4 City Blocks full of vegan food, drinks, arts, crafts and lots of Fun! For more info visit: https://bit.ly/37kgX2d

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LOCAL EVENTS GUIDE

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JUNE

JULY 14 | BASTILLE DAY WAITERS RACE FESTIVAL Make it to the finish line without spilling water or without dropping the tray altogether. Judges will be at each corner and the finish line. For more info visit: sacramentobastilleday.com

JUNE 18 - 27 | FRENCH FILM FEST The Sacramento French Film Festival organizes unique cultural events that bring people together around film and French culture in a festive atmosphere. With the variety of its programming, the SFFF appeals to a diverse audience of all ages, from the Sacramento area and beyond!For more info visit: sacramentofrenchfilmfestival.org

AUGUST

June 24 - 27 | Placer County Fair Placer County Fair will bring families back to a fun place unlike any other with carnival games and rides, tasty and unique foods, and entertainment for all ages. For more info visit: placercountyfair.org

JULY

JULY 4 | FOURTH ON THE FIELD Celebrate America’s birthday at Raley Field’s annual Fourth on the Field event! Independence Day at Raley Field includes a spectacular fireworks show, food trucks, live music, games and contests, and much more.For more info visit: https://atmilb.com/3mimfzh 36

AUG 14 | TOMATO FESTIVAL The Woodland Tomato Festival in Woodland is a delectable celebration of all things tomatoes. Things to see and do at the day-time event include salsa competitions, battle of the chefs contests, martial arts demos, a farmers market, face painting, live local music and over 60 vendors to help you with your tomato needs. For more info visit: woodlandtomatofestival.com AUG 28 | RIO VISTA HOG BITES We expect this year’s festival to, once again, be even more fun than the year before. Ribs grill all day over outdoor heat and are judged by a panel of experts … and much, much more! For more info visit: https://bit.ly/3gUjB1O

LOCAL EVENTS GUIDE

SEPTEMBER

SEPT 8 | TBREWERS FESTIVAL The California Brewers Festival connects the makers and distributors of quality brews with their appreciative and thirsty fans. Food trucks come to the festival to pair delicious meals and snacks with fine craft beers, ciders and wines. Entertainment includes varied live musical performances for a lively and fun atmosphere For more info visit: calbrewfest.com

OCTOBER

OCT 2 | ALOHA FESTIVAL Aloha! The Sacramento Aloha Festival brings the paradise of the Pacific Islands to California’s state capital at this all day luau. Cultural exhibits, native Hawaiian cuisine and beverages, educational workshops, Pacific Island inspired music and community speakers all add to the rich texture of the day’s proceedings. Lei’s optional. Mahalo. For more info visit: sacalohafest.org

OCT 22 - 24 | ARTS FESTIVAL The Sacramento Arts Festival brings together talented artists and craftspeople showcasing thousands of original pieces and demonstrating their skills on site. Ceramics, clothing, furniture, glass and jewelry are just a few of the craft items on display, in addition to two and three-dimensional visual art. While browsing and shopping among the many artists and vendors, guests can also enjoy international foods and live musical performances.For more info visit: sacartsfest.com

NOVEMBER

NOV 11 | VETERANS DAY PARADE Sacramento, California, salutes the troops for their service in the Veterans Day Parade and Fair. Celebrate active-duty and past military personnel during the parade, and stick around for the festival, which features copious amounts of children’s activities, train rides, ice skating, food trucks and displays that give praise and adulation to all those who served their country.For more info visit: https://bit.ly/2KjX3ex

SACRAMENTO | CALIFORNIA | VOL . 2

TRENDING LOCATIONS FOR A GREAT VACATION

EXCITING TRAVEL

Destinations If you are looking for some exciting and awe inspiring travel destinations, consider the following destinations.

1. Sweden, a Scandinavian nation in Europe, offers some wonderful natural experiences and places to visit. Enjoy hiking in vast boreal forests and witness an all-white wild moose. Most principal cities, including Stockholm, are all coastal and offer breathtaking views of the towns and waterfront areas. There are historic medieval towns, an abundance of bridges, royal palaces, and museums to visit. Another sight you will not want to miss are the Northern Lights in Lapland. 2. Tenerife, Spain is the largest of the Canary Islands, which is dominated by 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.

SACRAMENTO | CALIFORNIA | VOL . 2

3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the 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

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.

SACRAMENTO | CALIFORNIA | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE 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

Featured Matches 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

* Schedule subject to change

Women’s Finals Men’s Finals

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SACRAMENTO | CALIFORNIA | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE DATE

SUN - MAY 23 MON - MAY 24 MON - MAY 24 TUE - MAY 25 TUE - MAY 25 WED - MAY 26 WED - MAY 26 THU - MAY 27 THU - MAY 27 FRI - MAY 28 FRI - MAY 28 SAT - MAY 29 SAT - MAY 29 SUN - MAY 30 SUN - MAY 30 MON - MAY 31 MON - MAY 31 TUE - JUNE 1 TUE - JUNE 1 WED - JUNE 2 WED - JUNE 2 THU - JUNE 3 FRI - JUNE 4

PLAY START

Day - 11:00 AM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 11:00 AM Evening - 9:00 PM Day - 12:00 PM Evening - 5:00 PM Day - 12:00 PM Evening - 9:00 PM Day - 2:00 PM Day - 3:00 PM

* Schedule subject to change

SESSION 1st Round 1st Round 1st Round 1st Round 1st Round 2nd Round 2nd Round 2nd Round 2nd Round 3rd Round 3rd Round 3rd Round 3rd Round 4th Round 4th Round 4th Round 4th Round Quarterfinals Quarterfinals Quarterfinals Quarterfinals Semifinals Semifinals

SAT - JUNE 5

Day - 3:00 PM

Women's Singles Final, Men's Doubles Final

SUN - JUNE 6

Day - 3:00 PM

Men's Singles Final

SACRAMENTO | CALIFORNIA | 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

PLAY START

SESSION

Mon Jun 28

11:00 AM

First Round

Tues Jun 29

11:00 AM

First Round

Wed Jun 30

11:00 AM

Second Round

Thu Jul 1

11:00 AM

Second Round

Fri Jul 2

11:00 AM

Third Round

Sat Jul 3

11:00 AM

Sun Jul 4

–

Mon Jul 5

11:00 AM

Third Round 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

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SACRAMENTO | CALIFORNIA | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE SESSION

DATE

1 2 3 4 5

* Schedule subject to change ** Start Times Listed in EST

SCHEDULE

PLAY START

MATCHES

Sun 30 Aug

Day

11.00am

Men’s / Women’s 1st Round

Sun 30 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Mon 31 Aug

Day

11.00am

Men’s / Women’s 1st Round

Mon 31 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Tue 1 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Tue 1 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Wed 2 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Wed 2 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Thu 3 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Thu 3 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Fri 4 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Fri 4 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Sat 5 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sat 5 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Sun 6 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sun 6 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Mon 7 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Mon 7 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Tue 8 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Tue 8 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Wed 9 Sep

Night

7.00pm

Women’s Semifinals

Thu 10 Sep

Day

12.00pm

Mixed Doubles Final / Men’s Semifinals

Fri 11 Sep

Day

12.00pm

Men’s Doubles Final / Women’s Final

Sat 12 Sep

Day

1.00pm

Women’s Doubles Final / Men’s Final

SACRAMENTO | CALIFORNIA | VOL . 2

10 Year Countdown

To Retirement

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

Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less.

•

Do a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point.

•

Don’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.

SACRAMENTO | CALIFORNIA | VOL . 2

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

Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 49

SACRAMENTO | CALIFORNIA | VOL . 2

Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot • Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

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

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

•

Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

•

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

•

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

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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SACRAMENTO | CALIFORNIA | VOL . 2

Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 52

SACRAMENTO | CALIFORNIA | VOL . 2

To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag. Roll all items tightly! It saves space, and keeps everything from wrinkling. I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive. Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

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

Feel good, and look even better! Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down. Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years. Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe. Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years. 53

RECOMMENDED SERVICE DIRECTORY

AUTO DEALERSHIP Von Housen Automotive Group.........................17

HOME DESIGN SHOWROOM Homesite Services ...................................Back Cover

CAR TRANSPORT Capitol City Towing ...................................................7

HOSPICE Snowline Hospice ...................................................... 9

COOLING American HVAC Inc ....................Front Inside Cover

HVAC American HVAC Inc ....................Front Inside Cover

COUNTERTOPS America’s Dream Homeworks ....................46-47

INSURANCE American Diversified Insurance Services Inc................Back Inside Cover InterWest Insurance Services LLC ....................15

CPA Rossmann MacDonald & Benetti ......................35 ESTATE PLANNING Law Office of Theresa Carter Geoffroy ...............Front Cover, 55 Nygren Law Office ................................................ 44 FINANCIAL ADVISOR The Investors Caddie Inc......................................25 GENERATORS Short Circuit Electric ..................................................1 HEATING American HVAC Inc ....................Front Inside Cover HOME CARE Aging Assistant ...........................................................3

KITCHEN & BATH America’s Dream Homeworks ....................46-47 LEGACY GIVING UCP of Sacramento & Northern California .................................................27 LOCAL TOWING Capitol City Towing ...................................................7 LONG DISTANCE TOWING Capitol City Towing ...................................................7 MEN’S GROOMING The Hammer & Nails Salon Group LLC....................................28-29

(. . .continued on page 54)

RECOMMENDED SERVICE DIRECTORY

MEXICAN CUISINE Casa Ramos Mexican Restaurant .....................35 MUSEUM SMUD Museum of Science and Curiosity ......33 NON PROFIT ORGANIZATION American Red Cross ...............................................41 California Farmland Trust ....................................33

SHOWER DOORS & MIRRORS Newglass Unlimited................................................23 TERMITE CONTROL Noble Way Pest Control ..........................................7

PERSONAL INJURY ATTORNEY Edward A Smith Law Offices ..............................21

WEALTH MANAGEMENT Kimberly Foss Empyroin Wealth Management .........................31 Lake Tahoe Wealth Management Inc ........18-19

PEST CONTROL Explorer Pest Management Inc ..........................13 Specialied Pest Patrol.............................................51

WINDOW & SLIDING GLASS DOOR REAPIR Newglass Unlimited................................................23

REMODELING Americaâ&#x20AC;&#x2122;s Dream Homeworks ....................46-47

WINDOW TREATMENTS Budget Blinds of Rocklin........................................11

RESTAURANT Casa Ramos Mexican Restaurant .....................35 Pieology .......................................................................17

WINDOWS Newglass Unlimited................................................23

REVERSE MORTGAGES Doug Bertsch - American Pacific ........................5 RODENT & PEST CONTROL Noble Way Pest Control ..........................................7

Sacramento 2

Articles inside

Local Event Guide

Luxury Living

Travel In Style

Senior Living

Saving For Retirement