Tampa FL 2 by The 55 Guide

TAMPA BAY FLORIDA | 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

Exciting Travel Destinations

Investing For The Future

Travel In Style

Local Event Guide

Count Down to Retirement

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CO NTE NT S

2018-2019 SCHEDULES 30

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

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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. 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)

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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 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!

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OPEN FLOOR PLANS

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

An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the home’s individual, luxurious features, like a grand entryway or a beautifully designed staircase.

OUTDOOR KITCHENS If opulence and luxury are key, then a standard, fully-stocked kitchen is simply no longer enough. One may consider adding a cozy outdoor living area complete with outdoor kitchen, featuring built-in gas grills and refrigerated food and drink storage. Some other top amenities include expansive outdoor pools with water features such as waterfalls, hot tubs, changing cabanas, and saunas.

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

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

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

IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of “Smart Homes,” and along with it, smart devices. When it comes to technology, most

luxury builders cater to this tech-trend and offer amenities to help with just about all facets of home management. Some things you can do at the touch of a button or smartphone are control indoor climate, window and door security, and lighting. Additionally, an integrated smart home provides the owner with remote access cameras and security systems.

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

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TRENDING LOCATIONS FOR A GREAT VACATION

EXCITING TRAVEL

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

1. Sweden, a Scandinavian nation in Europe, offers some wonderful natural experiences and places to visit. Enjoy hiking in vast boreal forests and witness an all-white wild moose. Most principal cities, including Stockholm, are all coastal and offer breathtaking views of the towns and waterfront areas. There are historic medieval towns, an abundance of bridges, royal palaces, and museums to visit. Another sight you will not want to miss are the Northern Lights in Lapland. 2. Tenerife, Spain is the largest of the Canary Islands, which is dominated by Spain’s tallest peak, and dormant volcano, Mt. Teide. Enjoy parades, music, dancing, and a variety of colorful costumes at the Carnaval de Santa Cruz. The island hosts many beaches, some featuring black sand, resort areas to enjoy your stay, high-end restaurants, night clubs, golf courses, and water based sports.

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3. Greece, a southeastern European country with thousands of islands to explore and enjoy. There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. The Panathinaiko Stadium in Athens is the world’s only stadium built in its entirety of marble. This site is home to the first modern Olympics in 1896, where it held a 20

whopping 80,000 people. Aside from the numerous archeologic areas, Greece also has wonderful beaches, hotels, bars, restaurants, tours, ferries, and charters. 4. France, known for its exquisite cuisine, is also home to famous fashion houses, many classical art museums including the Louvre, and monuments such as the Eiffel Tower, the Seine, Notre-Dame cathedral, Arc de Triomphe, and the Palace of Versailles. There are also magnificent parks, great music, ancient cave drawings, and renowned wine tasting sites.

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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 won’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 22

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.

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Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 24

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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. 26

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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

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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

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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 36

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 - Évian-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

TAMPA BAY 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 22 | CUBAN SANDWICH FESTIVAL At this event they will attempt to create the biggest Cuban sandwich in the world. The goal is to make a 125 foot Cuban sandwich. At the end of the event the sandwich will be donated to feed almost 400 homeless people. This is a free art and food community event and guests have the opportunity to meet winners of the 5th Annual Cuban Sandwich Smackdown and some of the members of the Cuban Sandwich Hall of Fame! For more info visit: thecubansandwichfestival.com

DECEMBER

DEC 1 - 13 | HOLIDAY GIFT MARKET The Junior League of Tampa’s largest fundraiser, Holiday Gift Market, is going virtual this year! The 2020 event will offer participants an opportunity to support small businesses in an online shopping marketplace, engage in interactive virtual events, and contribute to the Junior League of Tampa’s community projects. Small business merchants this year will be selling everything from 38

clothing, jewelry, and handbags to food, art and children’s items! For more info visit: https://bit.ly/2VwzKAr DEC 3 - 17 | RIVERWALK DINE & WINE TOUR Explore downtown Tampa’s amazing local independent restaurants on a food tour. We visit local independent restaurants for food & wine pairings plus dessert and coffee. 3 hour walking tour with Tampa history narrative. Tours are limited to 12 guests to keep the experience intimate. Our Taste Ambassadors love telling Tampa Bay’s story. We want you to love Tampa as much as we do! For more info visit: tampabayfoodtours.com

JANUARY

JAN 22 - 24 | JOHN’S PASS SEAFOOD FESTIVAL Whether it’s stone crab claws or steamy seafood paella that gets your taste buds tingling, you’ll find it all at the Annual John’s Pass Seafood & Music Festival. It’s one of the largest seafood festivals in the U.S. (. . .continued on page 40)

LOCAL EVENTS GUIDE

(. . .continued from 38) You’ll sample dishes from a Chef Showdown while rocking out to the sounds of Florida’s favorite bands as they take stage at this popular event. For more info visit: johnspassseafoodfest.com JAN 23 - 24 | BEER & BURGER FESTIVAL The Beer & Burger returns to University Town Center with 10+ local burger trucks competing for best burger and local breweries free sampling for best brew. Throw in some bands and a carnival and it’s a party.For more info visit: https://bit.ly/3g4AcPQ

FEBRUARY

FEB 6 | PASCO BLUES FESTIVAL Bringing the hottest Blues performers to Pasco County for 7 hours of blues guitar and walking bass. Bring a lawn chair or blanket, grab a beer and enjoy that “bluesy” feeling. For more info visit: https://bit. ly/36Cozwr

FEB 11 - 22 | FLORIDA STATE FAIR If you like animals, exciting rides, live music or delicious food, the Florida State Fair has something for you. Featuring an agricultural exhibit that holds more than 6,000 animals and more than 100 rides, there’s a good reason that this state fair has been going on for more than one hundred years. Folks from all over the country visit the Florida State Fair for its family-friendly atmosphere and delightful attractions. For more info visit: floridastatefair.com FEB 26 - 28 | SUNWEST CRAB & SHRIMP FESTIVAL Bands, Beach and Seafood. The 6th annual Crab & Shrimp Festival features 3 days of bands, seafood vendors, crab races, crab claw eating contest, beachfront cornhole tournament and more! For more info visit: https://bit.ly/3ga8VLV

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LOCAL EVENTS GUIDE

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MARCH

MARCH 17 - 22 | INTERNATIONAL FILM FESTIVAL The Gasparilla International Film Festival is run by the Nonprofit Organization, The Tampa Film Institute, Inc. A cultural arts institution that inspires, educates, and entertains Tampa Bay’s diverse population through an annual celebration of film, year-round events, community outreach, and social awareness initiatives that foster communication, generate economic impact, and provide support for the film industry of Tampa Bay and State of Florida. For more info visit: gasparillafilmfestival.com MARCH 27 | APOPKA PAWS & BREW FEST Enjoy Great food, Cold beer, Dog vendors, Live Music and more! For more info visit: https://bit.ly/36DyYIi MARCH 28 | TASTE OF NORTH TAMPA BAY Tickets include unlimited food and beverage samples, live entertain-

ment, access to activities in the Kids Zone, give-aways from sponsors, opportunity to win prizes by participating in the canned food drive and voting for the “Best of South Tampa” awards. There will also be a food drive at the event and an opportunity to win prizes if you bring boxed or canned nonperishable goods. For more info visit: tasteofnorthtampabay.com

APRIL

APRIL TBA | DUNEDIN HIGHLAND GAMES Take a day trip to Scotland via Dunedin’s Highland Games. The annual festival that taps into this Florida town’s Scottish roots features pipe bands, dancing and competitive games and sports, like the tossing of the caber. For more info visit: dunedinhighlandgames.com APRIL 9 - 11 | TAMPA BAY BLUES FESTIVAL Each year since 1995, some of the biggest names in blues music have taken the stage at the Tampa Bay Blues Festival. Blues enthusiasts from all over the world come to (. . .continued on page 44)

LOCAL EVENTS GUIDE

(. . .continued from 42) scenic Vinoy Park to watch this spectacular showcase of American Blues music, performed right on the waterfront. With acres of plush grass and palm trees, Vinoy Park is the perfect tropical setting for one of the world’s biggest and best blues concerts. For more info visit: tampabaybluesfest.com APRIL 17 - 25 | BERNS WINEFEST Prepare to awaken your culinary senses with this 7 day gourmet wine and food FEAST-ival! For more info visit: bernswinefest.com

MAY

MAY TBA | MARGARITA FESTIVAL The Tampa Bay Margarita & Music Festival is Florida’s largest celebration of Margaritas and Live Music. Enjoy live music, dozens of margaritas, games, shopping, great food options, and end the night with a bang with the largest fireworks show in the area. Celebrate America’s favorite drink, the Margarita, and spend Memorial Day weekend with us at the best festival in Tampa Bay! For more info visit: tampamargaritafest.com 44

MAY 1 | TAMPA RIVERFEST The Annual Tampa Riverfest is a community event celebrating the Tampa waterfront. A full concert line-up, Wiener Dog Derby, Gasparilla Stand-up Paddle board Invasion, Tampa Bay Pride Band, TacoFest, Beer Bars, Margarita Bar, Taste of the Riverwalk, Hillsborough County School kid performances, and much more! For more info visit: https:// bit.ly/2KV0dWi MAY 18 | SEAGRAPES FINE WINE & FOOD FESTIVAL Join us for our SeaGrapes wine and food event, the signature fundraiser for The Florida Aquarium. Enjoy over 150 types of fantastic wine and sample delicious food from over 25 local restaurants while strolling amongst some of the most amazing sea creatures. For more info visit: https://bit.ly/3lFRsvT

JUNE

JUNE 1 - 27 | HAMILTON Hamilton is the story of America then, told by America now. Featuring a score that blends hip-hop, jazz, R&B and Broadway, HAMILTON (. . .continued on page 46)

LOCAL EVENTS GUIDE

(. . .continued from 44) has taken the story of American founding father Alexander Hamilton and created a revolutionary moment in theater—a musical that has had a profound impact on culture, politics, and education For more info visit: https://bit.ly/33Sx8RZ

JULY

JULY 4 | FOURTH OF JULY Independence Day, commonly referred to as Fourth of July is a federal holiday commemorating the adoption of the Declaration of Independence on July 4, 1776. We celebrate July 4th in Tampa Florida with fireworks, parades, backyard BBQ, fairs, baseball games, shopping for great deals, or enjoying a nice evening out with friends and family. For more info visit: https://bit.ly/3orotxG

AUGUST

AUG 15 | ART & SEAFOOD ON THE WATERFRONT Art & Seafood on the Waterfront is a two day event featuring an exclusive juried art show, live music and some of the top food trucks in the area offering delicious seafood fare. Come 46

on by to enjoy all the art you can see and all the food you can eat! For more info visit: https://bit.ly/2LhPFkr

SEPTEMBER

SEPT 2 - 29 | BEAUTY & THE BEAST Based on the classic French fairy tale by Jeanne-Marie Leprince de Beaumont. We invite you to Be Our Guest and come follow the adventures of Belle, the Beast, Gaston and a lovable household full of magical characters. This singing & dancing musical extravaganza is one not be missed, for it truly is a “tale as old as time.” For more info visit: https://bit.ly/3orom5e

OCTOBER

OCT 9 | COFFEE & ART FESTIVAL If you think you can hold on to your homemade cup of Joe, the wait will be worth it. Craft coffee roasters from the Tampa Bay area will be sampling their caffeinated delights to ensure you start the day with lots of energy. That perfectly brewed coffee will go wonderfully with all the food truck fare, pastries and desserts available on site. Finally, af(. . .continued on page 48)

LOCAL EVENTS GUIDE

(. . .continued from 46) ter seeing nothing but darkness last night, you can enjoy a collection of original artwork to wake your eyes up with color. For more info visit: tampabaycoffeeandartfestival.com OCT 13 - 16 | CLEARWATER JAZZ Four days of swinging jazz surrounded by warm breezes and wafts of sea-salty air . . . what better way to enjoy the most American of music styles than outdoors in sunny Clearwater, Florida? At the Clearwater Jazz Holiday, you’ll not only be treated to a warm atmosphere, you’ll also take in the sounds of top musical performers. Check back to find out which featured artists will be taking center stage for this year’s event! For more info visit: clearwaterjazz.com OCT 23 | PIG JIG A close-knit group of born-andraised Tampa gentlemen joined forces eight years ago to coordinate the first annual Pig Jig to raise funds to benefit the NephCure Foundation in honor of their dear friend, Will, who was diagnosed with FSGS in 2009. What began as 48

a backyard BBQ has grown into the Tampa Pig Jig on the River, a waterfront blowout with great bands, delicious food, fun games, and nearly 8,000 attendees per year. For more info visit: tampapigjig.com

NOVEMBER

NOV 6 | SAVOR ST. PETE Savor St. Pete is an exciting twoday celebration of food, wine and craft beer in the downtown St. Pete waterfront. The festival will take place at North Straub Park, a popular spot for amazing waterfront views and amazing events. Savor St. Pete delivers a palate-pleasing, star-studded weekend destination event showcasing the talents of renowned wine & spirits producers, brew masters, chefs, and culinary personalities to educate, entice, enlighten, and entertain. For more info visit: savortheburg.com

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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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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

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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

Third Round

Sun Jul 4

–

Mon Jul 5

11:00 AM

Round of 16

No Play

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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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

TA M PA B AY | F L O R I DA | 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.

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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. 59

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

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

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

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

•

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

•

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

•

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

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

RECOMMENDED SERVICE DIRECTORY

ACCIDENT ATTORNEY Mickey Keenan, PA .................................................27 Kemp, Ruge & Green Law Group .....................49 AIR CONDITIONING Johns Air Conditioning & Heating Services...................................................61 Paradise Air Inc ........................................................55 ALZHEIMERS CARE Seniors Helping Seniors ............... Front Cover, 67 ASSISTED LIVING The Bridges Retirement Community ...............51 AUTO ACCIDENT ATTORENY Beltz & Beltz ..............................................................15 Hunter Law...................................................................11 AUTO INSURANCE Douglas Levi Strategic Insurance Services ...............Back Cover BANK First Home Bank ......................................................33 BATHROOM CABINETS Gulf View Cabinets LLC .........................................17 BLINDS VU Window Treatments .......................................55

BOAT TOURS Latitudes Tours..........................................................19 BUG REPELLENT Naturally Green Products .....................................13 BUSINESS ATTORNEY The Whittemore Law Group P.A. ........................7 BUSINESS INSURANCE Douglas Levi Strategic Insurance Services ...............Back Cover CABINETS Gulf View Cabinets LLC .........................................17 COMPAINIONSHIP CARE Home Instead Senior Care ...................................41 CONDOMINIUM INSURANCE USI Insurance Services..........................................43 CRUISES Continuting Education, Inc..................................25 DAILY LIVING ASSISTANCE Seniors Helping Seniors ............... Front Cover, 67 DEMENTIA CARE Seniors Helping Seniors ............... Front Cover, 67

(. . .continued on page 64)

RECOMMENDED SERVICE DIRECTORY

DENTAL INSURANCE Jill Urbanik Go Medicare Compare ...................................36-37 DENTIST Florida Dental Centers ..........................................39

HEALTH INSURANCE Douglas Levi Strategic Insurance Services ...............Back Cover Jill Urbanik - Go Medicare Compare ........36-37

ELDER LAW Blackburn Law Firm PLLC ...................................65

HEATING Johns Air Conditioning & Heating Services...................................................61

ESTATE ADMINISTRATION The Whittemore Law Group P.A. ........................7

HOME CARE Home Instead Senior Care ...................................41

ESTATE PLANNING Blackburn Law Firm PLLC ...................................65 Mickey Keenan, PA .................................................27 Spinner Law Firm ....................................................53

HOME HEALTH CARE Home Helpers Clearwater ...................................57

EVENT SECURITY Advantage Security ...............................................39 FERRY SERVICE Caladesi Island Ferry .............................................53

HOME INSURANCE Douglas Levi Strategic Insurance Services ...............Back Cover HOMEOWNERS INSURANCE Rebbecca Avrin Avrin insurance Agency ........................................13

FINANCIAL ADVISOR Melissa L Powell Northwestern Mutual.................................................1 Will Fields Wells Fargo Advsiors .............................................59

HORSE RACE TRACK Tampa Bay Downs ..................................................37

GARAGE DOOR Overhead Door of Clearwater.............................5, Back Inside Cover

INSURANCE Andrea Neiman - Geico ........................................63 Ed Melendez - State Farm ...................................55

GROUP TOURS Latitudes Tours..........................................................19

INSURANCE ATTORNEY Corless Barfield Trial Group ...................................3

INDIVIDAL FINANCIAL PLANNING Structure Wealth Management.........................23

(. . .continued on page 66)

RECOMMENDED SERVICE DIRECTORY

Spinner Law Firm ....................................................53 INVESTMENT OFICER Will Fields Wells Fargo Advsiors .............................................57 KAYAK TOUR Latitudes Tours..........................................................19 KITTCHEN CABINETS Gulf View Cabinets LLC .........................................17 LIFE INSURANCE Douglas Levi Strategic Insurance Services ...............Back Cover

MOTORCYCLE ACIDENT ATTORENY Beltz & Beltz ..............................................................15 NON-EMERGENCY MEDICAL TRANSPORTATION Medical Transport Services.................................29 NON-PROFIT American Red Cross ..............................................57

LONG TERM CARE INSURANCE Key Planning Partners ..........................................45

NURSING HOME ABUSE ATTORNEY Beltz & Beltz ..............................................................15

LONG TERM CARE PLANNING Key Planning Partners ..........................................45

ORAL SURGERY Florida Dental Centers ..........................................39

LUXURY TRANSPORATION Medical Transport Services.................................29

OVERHEAD DOORS Overhead Door of Clearwater.............................5, Back Inside Cover

LUXURY TRAVEL Continuting Education, Inc..................................25 MEDICAL MALPRACTICE ATTORNEY Hunter Law...................................................................11 Beltz & Beltz ..............................................................15

PERSONAL CARE Seniors Helping Seniors ................Front Cover, 67

MEDICARE Jill Urbanik Go Medicare Compare ...................................36-37

PERSONAL INJURY ATTORNEY Spinner Law Firm ....................................................53 Franco Law Group P.A. .............Front Inside Cover Hunter Law...................................................................11 Kemp, Ruge & Green Law Group .....................49 Mickey Keenan, PA .................................................27 The Whittemore Law Group P.A. ........................7

MEMORY CARE LIVING The Bridges Retirement Community ...............51

PERSONAL SECURITY Advantage Security ...............................................39

(. . .continued on page 68)

RECOMMENDED SERVICE DIRECTORY

Structure Wealth Management.........................23 PEST CONTROL PRODUCTS Naturally Green Products .....................................13 PROPERTY DAMAGE ATTORNEY Corless Barfield Trial Group ...................................3 RACE TRACK Tampa Bay Downs ..................................................37 REAL ESTATE AGENT Tom Latto Charles Rutenberg Realty Inc .............................31

SOCIAL SECURITY DISABILITY ATTORNEY Franco Law Group P.A. .............Front Inside Cover STEAKHOUSE Harlod Seltzer’s Steakhouse ................................21 STEM CELL THERAPY Brandon Stem Cell Clinic......................................47 TOURS Latitudes Tours..........................................................19

REGENERATIVE MEDICINE Brandon Stem Cell Clinic......................................47

TRANSPORTATIONS SERVICES Medical Transport Services.................................29

RENTAL INSURANCE Rebbecca Avrin Avrin insurance Agency ........................................13

URGENT CARE StatMed Urgent Care Center ..............................63

RESTAURANT Harlod Seltzer’s Steakhouse ................................21 ROOFING Done Rite Roofing Inc ............................................. 9 SECURITY Advantage Security ...............................................39 SENIOR CARE Home Instead Senior Care ...................................41 SHUTTERS VU Window Treatments .......................................55 SMALL BUSINESS WEALTH MANAGMENT

VISION INSURANCE Jill Urbanik Go Medicare Compare ...................................36-37 WEALTH MANAGEMENT Structure Wealth Management.........................23 Melissa L Powell Northwestern Mutual.................................................1 WILLS & TRUST Blackburn Law Firm PLLC ...................................65 Spinner Law Firm ....................................................53 WINDOW TREATMENTS VU Window Treatments .......................................55