Tucson AZ by The 55 Guide

TUCSON ARIZONA | VOL. 2

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

READ THIS ISSUE ONLINE. SCAN THE QR CODE

CO NTE NT S

FEATURES 6

Luxury Living

Destination Vacations

Senior Living

30 Local Event Guide

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

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CO NTE NT S

2020-2021 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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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.

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

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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. 12

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 14)

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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 14

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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2020-2021 PGA

TOURNAMENT SCHEDULE TOURNAMENT

DEFENDING CHAMPION

DEC 3 - 6

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

DEC 3 - 6

Hero World Challenge Albany, New Providence, BAH

Brendon Todd $1,296,000

DEC 11 - 13

QBE Shootout Tiburon GC, Naples, FL

JAN 7 - 10

Sentry Tournament of Champions

Rory Sabbatini, Kevin Tway $435,000

JAN 14 - 17

Sony Open in Hawaii

JAN 21 - 24

The American Express PGA WEST (Stadium), La Quinta, CA

Andrew Landry

Torrey Pines (South), San Diego, CA

$1,350,000

Plantation Course at Kapalua, Kapalua, Maui, HI Waialae Country Club, Honolulu, HI

Henrik Stenson $1,000,000

Justin Thomas $1,340,000

Cameron Smith $1,188,000 $1,206,000

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

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

* Schedule subject to change

DATES

Bay Hill Club & Lodge, Orlando, FL

$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

Webb Simpson $1,278,000

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2020-2021 PGA

TOURNAMENT SCHEDULE

* Schedule subject to change

DATES

TOURNAMENT

DEFENDING CHAMPION

APR 29 - MAY 2

Valspar Championship

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

Innisbrook Resort (Copperhead), Palm Harbor, FL 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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2020 LPGA

TOURNAMENT SCHEDULE DATES AUG 20 - 23 AUG 27-30 [CANCELED]

AUG 28 - 30 [ORIG Jun 19-21]

SEP 3 - SEP 6 SEP 10-13 [ORIG Apr 2-5]

SEP 17 - 20 [ORIG Sep 10-13]

SEP 24 - 27 [ORIG Mar 26-29]

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 NOV 6 - 8 NOV 19 - 22 [ORIG May 14-17]

DEC 3 - 6 DEC 10 - 13 [ORIG Jun 4-7]

DEC 17 - 20

TOURNAMENT

AIG Women’s British Open Royal Troon Golf Club, Troon, Scotland UL International Crown Centurion Club, St. Albans, England Walmart NW Arkansas Championship Pinnacle CC, Rogers, AR 72758 CP Women’s Open Magna Golf Club, Ontario, Canada L4G 7C3 ANA Inspiration Mission Hills CC, Rancho Mirage, CA 92270 Cambia Portland Classic Columbia Edgewater CC, Portland, OR 97211 Kia Classic Aviara GC, Carlsbad, CA 92009 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 Shanghai Qizhong Garden GC, Minhang District, Shanghai, China

BMW Ladies Championship LPGA International Busan, South Korea

Swinging Skirts LPGA Taiwan Championship

TOTO Japan Classic Seta Golf Course-North, Shiga, Japan Pelican Women’s Championship presented by DEX Imaging Volunteers of America Classic Old American GC, The Colony, TX 75056 U.S. Women’s Open Championship conducted by the USGA CME Group Tour Championship Ritz Carlton Golf Resort-Tiburon GC, Naples, FL 34109

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$4,500,000*

(Hinako Shibuno)

$1,600,000

(Team Korea)

$2,000,000

(Sung Hyun Park)

$2,350,000

(Jin Young Ko)

$3,100,000

(Jin Young Ko)

$1,300,000

(Hannah Green)

$1,800,000

(Nasa Hataoka)

$2,300,000

(Brooke Henderson)

$1,750,000

(Lexi Thompson)

$4,300,000

(Hannah Green)

$2,100,000

(Danielle Kang)

$2,000,000

(Inaugural Year)

$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)

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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, highend 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 21

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.

LOCAL EVENTS GUIDE

TUCSON 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.

JANUARY

JAN 15 -16 | WINGS OVER WILLCOX The Willcox Nature Association is pleased to announce the Annual Wings Over Willcox Birding and Nature Festival. The festival will be a small-scale, covid-cautious, two-day “hybrid” festival combining live tours and activities with online presentations. For more info visit: https://bit.ly/3nshLXs JAN 15 - 31 | ZOPPÉ FAMILY CIRCUS Zoppé has created a historic multi-media event as a unique experience likely never forgotten and certainly, the budding interest in worlds unknown and possibilities yet realized. Our originally produced Zoppé movie intertwines with the live show to create a full and engaging experience. We present the resurgence of the traditional openair arena, the first style of circus ever produced, with a vehicular twist. For more info visit: zoppe.net

Fine Art Market is an opportunity to support local artisans and fine art crafters while strolling the lush garden walkways of La Encantada. Artists are among some of the hardest hit during the pandemic, and we invite the community to come out to support their work and be inspired by their creativity, in a safe and socially distanced atmosphere. For more info visit: https://bit.ly/3osCKLg

FEBRUARY

FEB 1 - 12 | DESERT SONG FEST This year we are celebrating songs of love with a gathering of world-renowned classical singers. Programming will feature the premiere of a new song cycle by Jake Heggie, composed for acclaimed mezzo soprano Jamie Barton. During this festival, some of Tucson’s leading performing arts organizations will explore love in all its forms. For more info visit: tucsondesertsongfestival.org

JAN 16 - 17 | FINE ART FESTIVAL From metalwork to locally-designed fashion, the open-air La Encantada 24

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LOCAL EVENTS GUIDE

(. . .continued from 24) FEB 4 - 7 | TUCSON FRINGE FEST The Tucson Fringe Festival is an unjuried, uncensored performing arts festival. The festival provides the Tucson arts community with avant-garde, non-traditional performing arts. The festival does not curate or select the performances, maintaining an environment in which everyone and anyone can perform. This ensures that underrepresented artistic voices are championed in our community! For more info visit: tucsonfringe.org

MARCH

MARCH 1 - 29 | RENAISSANCE FEST The Arizona Renaissance Festival is one of the most interactive entertainment shows ever created with wonderful amusements and antics ongoing all around you! Enjoy nonstop entertainment presented on 14 stages every event day, each show packed with a unique mix of comedy, music and mischievous antics! For more info visit: renfestinfo.com MARCH 19 - 20 | STREET FAIR This 51-year-old, family-friendly tradition brings people to the heart of 26

the Old Pueblo every year. The Fair hosts artists from around the world, decadent food, local entertainment and a lot of fun! For more info visit: https://bit.ly/3nnCDPy MARCH 20 - 21 | JAZZ FESTIVAL This year, the Tucson Jazz Festival will be hosting the 2021 Festival in the great outdoors during the most beautiful time in Arizona. Be prepared to be blown away! This 2-day festival features eight international jazz superstars. Come enjoy the outdoors with some smooth jazz! For more info visit: tucsonjazzfestival.org

APRIL

APRIL 14 - 25 | INTERNATIONAL FILM FESTIVAL Staying true to its mission of showcasing independent film, the Arizona International Film Festival has exhibited over 2,500 films representing 90 countries. And now, we are honored to select more exciting and innovative films from around the world for Arizona audiences for this season. For more info visit: filmfestivalarizona.com

LOCAL EVENTS GUIDE

APRIL 15 - 25 | PIMA COUNTY FAIR The Pima County Fair is one of Southern Arizona’s largest and most anticipated annual events. We are incredibly excited to have you at the Pima County Fair! For more info visit: Pimacountyfair.com APRIL 18 | TASTE OF CHOCOLATE It’s a chocolate competition...and you’re the judge! Local chefs will showcase their favorite chocolate creations and you get to vote for your favorites. Enjoy the raffle with great prizes and wine and beer tastings! For more info visit: tucsontasteofchocolate.org

MAY

MAY 9 | MUSIC UNDER THE STARS The Tucson Pops Orchestra has been sharing the joy of music with audiences of all ages since it was founded in 1955. The Spring concert series of Music Under the Stars is sure to delight all!For more info visit: tucsonpops.org MAY 15 - 16 | WINE COUNTRY SPRING FESTIVAL Willcox Wine Country wine trail with 8 tasting rooms representing Arizona’s finest wine along with some of Southern Arizona’s best visitor attractions. Come on down and enjoy our spring festival! For more info visit: https://bit.ly/39c5Esl

LOCAL EVENTS GUIDE

JUNE

JUNE 22 -27 | COME FROM AWAY This New York Times Critics’ Pick takes you into the heart of the remarkable true story of 7,000 stranded passengers and the small town in Newfoundland that welcomed them. Cultures clashed and nerves ran high, but uneasiness turned into trust, music soared into the night, and gratitude grew into enduring friendships. Don’t miss this breathtaking new musical written by Tony® nominees Irene Sankoff and David Hein. For more info visit: https://bit.ly/3hPZN01

JULY

JULY 24 | HARVESTFEST AT SONOITA VINEYARDS Sonoita Vineyards Winery, in Elgin, kicks off its harvest season with wine tastings with wine and food pairings, horse-drawn winery and vineyard tours, and grape-stomping competitions daily during the annual festival. Enjoy the HarvestFest you’ve always loved! For more info visit: https://bit.ly/3hSvrtx

AUGUST

AUG 1 - 29 | SPACE WARS Adventure abounds in The Gaslight Theatre’s show “Space Wars!” Join Princess Layla and Duke Starfighter as they careen through the Galaxy defending freedom. Will The Rebels stop the Evil Dark Visor before he destroys the Cosmos? Can Princess Layla’s love tame Lance Jericho’s rebel heart? Don’t miss this intergalactic singing and dancing space odyssey and May the Farce Be with You! For more info visit: https://bit.ly/3hTt3mu

SEPTEMBER

SEPT TBA | COCHISE COUNTY FAIR This annual fair features live entertainment, livestock shows, exhibits, contests, fair food, a carnival and more! For more info visit: cochisecountyfair.org

OCTOBER

OCT 7 - 9 | FILM FEST TUCSON Film Fest Tucson is a destination film festival, a place for filmmakers and audiences to meet, discover and experience unique and import-

LOCAL EVENTS GUIDE

ant stories told on film. The festival is unique and home-grown for those passionate about movies! For more info visit: LINKHERE

NOVEMBER

NOV TBA | LOFT SHORT FILM FEST The Loft Cinema presents the best new short films from the world’s most respected festivals. Featuring a curated selection of acclaimed, award-winning short films from around the world in programs ranging from Live Action and Documentary to Animation and Late-Night! For more info visit: loftfilmfest.org NOV TBA | CELTIC FESTIVAL The festival provides a gathering place for those interested in Celtic Culture where they may participate in and enjoy various Celtic arts, traditional dress, crafts, foods, vendors, music, dance, literature, language and athletics in the form of demonstrations, reenactments, performances and competitions. It’s a great place to renew old friendships and make new ones! For more info visit: tucsoncelticfestival.org

NOV 6 | BRAVO VINO This wine-and-food festival will feature wines from the Willcox area and other wineries across Arizona, along with gourmet food vendors and local artisans. For more info visit: https://bit.ly/3nsL2RH

DECEMBER

DEC 1 - 5 | HAMILTON Featuring a score that blends hiphop, jazz, R&B and Broadway, Hamilton has taken the story of American founding father Alexander Hamilton and created a revolutionary moment in theatre — a musical that has had a profound impact on culture, politics, and education. For more info visit: https://bit.ly/3q1CW4y DEC 10 - 12 | WINTER STREET FAIR This 51-year-old, family-friendly tradition brings people to the heart of the Old Pueblo every year. The Fair hosts artists from around the world, decadent food, local entertainment and a lot of fun! For more info visit: https://bit.ly/35kVTHd

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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 30

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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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

–

No Play

Mon Jul 5

11:00 AM

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

TUCSON

| ARIZONA | VOL . 2

2021 GRAND SLAM

TOURNAMENT SCHEDULE SESSION

DATE

1 2

* 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

TUCSON

| ARIZONA | VOL . 2

10 Year Countdown

To Retirement

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

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

•

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

•

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

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

(. . .continued on page 37)

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

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

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. (. . .continued on page 38)

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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

This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.

Donate today at redcross.org

TUCSON

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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. 40

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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. 41

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