South Central PA 2 by The 55 Guide

SOUTH CENTRAL

PENNSYLVANIA | 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 4

Luxury Living

Destination Vacations

Senior Living

20 Travel In Style 28 Local Event Guide

46 Saving For Retirement 49

Recommended Service Directory

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

CO NTE NT S

2020-2021 SCHEDULES

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

Recommended Service Directory

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

(. . .continued on page 6)

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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!

(. . .continued on page 8)

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

(. . .continued on page 10) 8

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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. 16

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 18)

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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 18

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!

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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. 20

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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. 21

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

DATES

* 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 ]

2020 PGA TOURNAMENT SCHEDULE

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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

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

LOCAL EVENTS GUIDE SOUTH CENTRAL PENNSYLVANIA 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.

NOVEMBER

NOV 11 - 22 | FILM PITTSBURGH FALL FESTIVAL Join us for the 2020 Film Pittsburgh Fall Festival, which will screen on our website. This exciting new event will feature the newest addition to our family, the Three Rivers Film Festival, along with the highly-regarded Pittsburgh Shorts. Also included in the festivities are a track of films from ReelAbilities Pittsburgh, our popular disability-themed film festival and select feature films from this year’s JFilm Festival.This expansive, 12-day event will be integrated, inclusive, and fun! For more info visit: filmpittsburgh.org

DECEMBER

DEC 1 - 31 | HOLIDAY LIGHTS Enjoy the most wonderful time of the year at Kennywood, when the entire amusement park is transformed into a winter wonderland of dazzling lights. The best place to visit during the holidays in Pittsburgh is Kennywood, without a doubt! For more info visit: https://bit.ly/35DJDCk 28

DEC 31 | HIGHMARK FIRST NIGHT PITTSBURGH This New Year’s Eve, the party is coming to you! Ring in 2021 in pure Pittsburgh style. You’ll enjoy music, magic, and more from an array of talented artists that you’ve come to expect from Highmark First Night Pittsburgh. As well as fireworks and the raising of our Future of Pittsburgh Ball, all adapted for this oneof-a-kind broadcast spectacular. For more info visit: https://bit.ly/3nxLj6x

JANUARY

JAN 11 - 17 | RESTAURANT WEEK Discover the most delicious time of year in Pittsburgh at the annual Winter Restaurant Week. Founded in 2011, Pittsburgh Restaurant Week seeks to highlight the wide-ranging dining options that the Greater Pittsburgh region has to offer and bring individuals from surrounding boroughs or suburbs to the city to walk the streets and enjoy special menus from the restaurants that add to the diversity and celebration of the steel city. For more info visit: pittsburghrestaurantweek.com (. . .continued on page 30)

(. . .continued from 28) JAN TBA | PITTSBURGH PIRATES PIRATEFEST Attention sluggers, hardcore fans and Harley Quinn: the Pittsburgh Pirates have planned an entire weekend to kick it with their loyal fan base. This family oriented event unites average Joes with their favorite players via meet and greets, autograph sessions, youth baseball clinics and a slew of thrilling games. A winning record doesn’t matter here; what matters is forging a genuine bond between fans and their role models. For more info visit: https://atmlb.com/2IBHs9T

FEBRUARY

FEB 22 | SOUTH SIDE SOUP CONTEST Get your soup on! Enjoy this highly anticipated annual fundraising event soup contest. Launched in 2005, The Contest began as a way to showcase all that our community has to offer, generate more foot traffic in local businesses, and serve up delicious soup. For more info visit: southsidesoup.com

FEB 29 | BEERFEST Breweries and beer enthusiasts from across the region will gather on two evenings for an unlimited sampling of hundreds of fresh craft beers of all styles, and tastes and a whole lotta fun! All while raising funds for Animal Rescue Partners, an organization dedicated to supporting numerous animal rescues, pet adoption groups, and community spay/neuter programs in the Pittsburgh area and beyond. For more info visit: pittsburghbeerfest. com

MARCH

MARCH TBA | KNIT & CROCHET FESTIVAL It all began with the stabbing motion of a single needle. This festival is home to the finest work in knitting, weaving, sewing and other creative arts thanks to the meticulous approach of their creators. There are over a hundred booths selling the supplies you need to make your next masterpiece, and if you aren’t at that level of craftsmanship yet, you can take a series of classes to up your game. For more info visit: pghknitandcrochet.com (. . .continued on page 32)

(. . .continued from 30) March 14 | St. Patrick’s Day Parade You won’t want to miss the annual St. Patrick’s Day Parade in Pittsburgh, complete with marching bands, floats and Miss Irish Eyes crowning luncheon. With approximately 1/5th of the Pittsburgh metropolitan community claiming Irish heritage, it is no wonder the Steel City boasts one of the largest St. Patrick’s Day celebrations in the country. Rain, hail, or even blizzard conditions cannot stop us from celebrating our Irish pride! For more info visit: https://bit.ly/2Uxph7q

APRIL

APRIL TBA | EARTH DAY FESTIVAL Pittsburgh Earth Day is dedicated to educating, inspiring, and celebrating sustainability in the region. Honoring the transformation from Pittsburgh’s Steel City past to a thriving home for green innovation. Pittsburgh Earth Day honors the collaboration of businesses, community organizations and green purveyors that are changing the landscape of our region.For more info visit: pittsburghearthday.org

APRIL TBA | Pittsburgh Fringe This homage to the first fringe festival in Scotland in 1947 supports new kinds of performing artists. Be prepared to see unique displays of entertainment, discussions and forums on how to encourage the growth of fringe art. For more info visit: pittsburghfringe.org

MAY

MAY 1 | PITTSBURGH MARATHON Get ready to MOVE, Runner of Steel! We strive to inspire any and all to run with us. For more info visit: pittsburghmarathon.com

JUNE

JUNE 4 - 13 | THREE RIVERS ARTS FESTIVAL Three Rivers Arts Festival is an outdoor music and arts festival held each June in Downtown Pittsburgh. The festival features live music and performance artist, as well as so many visual art and vendors who sell their wares. Join us for 10 days of free music and art! For more info visit: https://bit.ly/2IHXcb6

(. . .continued on page 34)

(. . .continued from 32) JUNE 18 | JAZZ FESTIVAL Don’t miss this soulful weekend with more than 140 jazz musicians. The event will continue the legacy of past Jazz festivals and feature legendary jazz musicians from around the world, including Jones, Dianne Reeves, The Bad Plus, Laurin Talese, Jeff Watts, Brett Williams, Lekecia Benjamin, and more! For more info visit: https://bit.ly/3nw1EZf

JULY

JULY 1 - 4 | ARTS & HERITAGE FESTIVAL Westmoreland County is determined to reach everyone across the state of Pennsylvania with its annual Arts & Heritage Festival at the scenic Twin Lakes Park. You’ll get a taste of Pennsylvania’s sheer creativity through juried fine art, outstanding dance and music performances, literary contests and colorful comic art. For historical entertainment, you’ll want to check out all the historic vendors and war encampments lining up and down The Heritage Trail. For more info visit: artsandheritage.com

JULY 26 | TASTE OF PICKLESBURGH Picklesburgh is a culinary celebration that goes beyond the dill pickle to include international dishes, prepared foods and artisan cocktails that feature pickled ingredients. We are dill-lighted to announce a reimagined celebration of your favorite pickled event! Taste of Picklesburgh will feature an array of pickle-themed food and beverages from participating Downtown restaurants. For more info visit: picklesburgh.com

AUGUST

AUG 21 - 30 | RENAISSANCE FEST Take a magical tour through time and legend at the Renaissance Festival. As you wander down the village streets and pathways of the Festival, experience a 16th Century Medieval Amusement Park! Ready thyself to revel with master revelers, watch artisans create original works of their ancient craft and be taken in by the tantalizing aromas of roast turkey legges, steak on a stake, fresh baked goods and much more. For more info visit: pittsburghrenfest.com (. . .continued on page 36)

(. . .continued from 34) AUG 28 | ROCK, REGGAE & RELIEF We are bringing to downtown Pittsburgh the biggest and best Rock, Reggae and Relief since we started this amazing festival four years ago. We are bringing some top notch national rock and reggae acts that will bring an amazing and unifying vibe to downtown Pittsburgh on Market Square. We can make a huge difference, have an amazing time rocking together and enjoying all our city has to offer. For more info visit: rockreggaerelief.com

SEPTEMBER

SEPT TBA | PIEROGI FESTIVAL The Pittsburgh Pierogi Festival is back at Kennywood Park. The annual celebration of the #CityofDumplings will feature our city’s favorite food from over two dozen restaurants, chefs, and pierogi purveyors who will be serving up hot and delicious pierogies, creative pierogi-inspired dishes, dessert pierogies and more! For more info visit: pittsburghpierogifestival.com

SEPT 10 - 12 | IRISH FESTIVAL Learn about the ethnic richness of the Irish and Irish-American culture at this three day festival. The Pittsburgh Irish Festival celebrates the Irish experience in America. Our “Halfway to St. Patrick’s Day Festival” has become a springboard for a new cultural awakening of all things Celtic in Western Pennsylvania. The beauty of Irish dance, music, and literature bridges many borders. For more info visit: pghirishfest.org

OCTOBER

OCT 23 | TACO, BEER, TEQUILA FESTIVAL Taco ‘Bout Fun! The region’s best Taquerias and Taco Trucks come together to showcase the best TACOS! For more info visit: https://bit.ly/2IJEXlL

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

2020 GRAND SLAM TOURNAMENT SCHEDULE DATE

PLAY START

* Schedule subject to change

SESSION

Thu Oct 1

10:30 AM

2nd Round - Ladies / Mens Singles 1st Round Ladies & Mixed Doubles 2nd Round Mens Doubles

Fri Oct 2

10:30 AM

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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

2020 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

SESSION

SCHEDULE

PLAY START

MATCHES

DATE Mon 31 Aug

Day

11:00 AM

Men’s / Women’s R1

Mon 31 Aug

Night

7:00 PM

Men’s / Women’s R1

Tue 1 Sep

Day

11:00 AM

Men’s / Women’s R1

Tue 1 Sep

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

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

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 2

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

READ THIS ISSUE ONLINE. SCAN THE QR CODE

Promote your brand

Earn new clients

Grow your business

www.The55Guide.com/CurrentEditions

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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.

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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. 47

S O U T H C E N T R A L | P E N N S Y LVA N I A | VO L . 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

RECOMMENDED SERVICE DIRECTORY ACCOUNTING Hamilton & Musser PA......................................................... 3

IN HOME CARE AGENCY Your Neighborhood Connection...................................41

AGING IN PLACE Continuing Care at Home & Landis at Home ...........31

INSURANCE Capital Blue Cross..........................................................14-15 Knoll Insurance Agency Inc ............................................33

APPLIANCES Martin Furniture & Mattress ...........Front Insdie Cover AUTO DEALERSHIP Lancaster Nissan .................................................................23 AUTO INSURANCE Bernieri Agency - Allstate Insurance............................ 7 Grove Financial & Associates Inc .................................45 COLLEGE Central Penn College.........................................................29 EDUCATION Central Penn College.........................................................29 FURNITURE Interior Furniture Resources ..........................................43 Martin Furniture & Mattress ...........Front Insdie Cover

INTERIOR DESIGN Decorating Den Interiors ...................................................11 MATTRESS Martin Furniture & Mattress ...........Front Insdie Cover MUSEUM Susquehanna Art Museum ............................................... 2 NEUROLOGIST Argires Marotti Neurosurgical Associates of Lancaster ............................................24-25 OBSTETRICIAN May-Grant Obstertrics & Gynecology........................37 ORAL SURGEON Sunbrink Oral Surgery ........................................................ 9

FURNITURE REFINISHING Livingston Enterprises ......................................................35

PERSONAL CARE Landis Adult Day Services ...............................................19

GARDEN CENTER Ashcombe Farm & Greenhouse...................................... 5

PLUMBING SERVICES Neffsville Plumbing Heating & Cooling Services....................................................................11

GOLF CARTS Stoltzfoos Golf Carts LLC .................................................41 GYNECOLOGIST May-Grant Obstertrics & Gynecology........................37 HEATING & COOLING SERVICES Neffsville Plumbing Heating & Cooling Services....................................................................11 HOME CARE Landis Adult Day Services ...............................................19 HOME INSURANCE Gehret Associates Inc ......................................................... 9 Grove Financial & Associates Inc .................................45 HOSPICE Hospice & Community Care ...........................................39

REAL ESTATE Berkshire Hathaway Home Services Homesale Realty .....................Front Cover, Back Cover REAL ESTATE LAW Nauman Smith......................................................................39 SENIOR CARE Landis Adult Day Services ...............................................19 SPECIALIZED CARE & CAREGIVERS Hospice & Community Care ...........................................39 TRUSTS & ESTATES Nauman Smith......................................................................39 WEALTH MANAGEMENT Regal Wealth Advisors .....................................................37 Costanzo Wealth Management .....................................41 49