Las Vegas Issue

LAS VEGAS ISSUE

HOW TO KEEP LOVE ALIVE AT ANY AGE!

WEIGHING YOUR OPTIONS FOR RETIREMENT

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Presidential THE

MAGAZINE

THE WORLD’S DESTINATION FOR LUXURY

TABLE OF CONTENTS 6

Pavarotti: Genius is Forever

11

Weighing Your Options for Retirement

14

How to Keep Love Alive - At Any Age

16

Secrets of Their Success

20

Upcoming Events of Las Vegas

22

Discover St. George Island

23

Exploring The Great Resorts of America - Boca Raton Resort & Club

27

How to Show Your Dog That You Love Them

30

Charting the Top Luxury Credit Cards

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FILM

PAVAROTTI

GENIUS IS FOREVER

P

avarotti is a documentary created from a combination of Luciano Pavarotti’s genre-redefining performances and never-before-seen footage from estate archives, the film will give audiences a stunningly intimate portrait of the beloved opera singer.

Luciano Pavarotti was born in 1935, just outside of Modena in Northern Italy. After a difficult start, he had already achieved international success when his recording of “Nessun Dorma” from Puccini’s Turandot was used as the theme song for BBC’s coverage of the 1990 FIFA World Cup in Italy. The aria became immensely popular, and chosen as the official World Cup soundtrack.

In the same year, the first “Three Tenors” concert was held on the eve of the FIFA World Cup Final in Rome with 6 The Presidential Magazine

FOR MORE INFORMATION AND TICKETS:

pavarottifilm.com lucianopavarottifoundation.com

PHOTO COURTESY OF SACHA GUSOV / DECCA RECORDS

fellow tenors Plácido Domingo and José Carreras and con-

ductor Zubin Mehta. The recording of this debut concert became the best-selling classical album of all time, and led to additional Three Tenor concerts and recordings. In 1994, over 1.3 billion viewers worldwide watched the performance at Dodger Stadium in Los Angeles, an audience matched only by the recent broadcasts for the Game of Thrones series. Pavarotti’s numerous recordings, many of which were classical crossover and pop, have sold over 100 million worldwide.

Pavarotti was directed by Ron Howard (Apollo 13, A Beautiful Mind, among many successful films), and was shot using the Dolby Atmos audio technology, to capture Pavarotti’s range in theaters.

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MONEY I BY ERNESTO A. ESTRADA

WEIGHING YOUR OPTIONS FOR

RETIREMENT

T

here are different vehicles that can be used towards your retirement, from 403bs, 401ks, SEP IRAs, to Roth IRAs and IRAs. These accounts have assets invested in the markets. What do you do when the need arises to consolidate these accounts based on your retirement plan participation with past employers or your own contributions to an individual retirement account? How do you maximize the returns on your retirement nest egg?

In today’s world you are faced with

many questions. How to prepare for retirement? Do you have enough for retirement or will you have enough?

Will you have to work part time or full time for the rest of your life to supplement your retirement income?

How do you plan for retirement and what are your choices? There is no magic bullet for every scenario.

There are strategies such as rolling over a retirement plan into a Roth IRA that can provide tax free withdrawal as a result of their non-qualified status, but may have tax liabilities or penalties

during the roll over period and, potentially, at distribution.

Annuities can serve as an alternative when faced with a roll over scenario or when weighing your options for retirement. Let us take a look at annuities. They typically come in three forms: variable, fixed and fixed Index. Many in the industry prefer one alternative over the other. Ultimately it comes to the client’s goals, risk reward tolerance, time frame to retirement, the retirement plan management and other factors.

The Presidential Magazine 11

MONEY I CONTINUED

PRIMARY TYPES OF ANNUITY TYPE

INTEREST

RISK

REWARD

FIXED

Preset/guaranteed

Low

Predictable

VARIABLE

Tied to investment portfolio

Higher

Potentially higher or lower

INDEXED

Preset minimum.

Can change according to index like stock market

Medium

Won’t sink below set level

THESE ARE VERY IMPORTANT CONSIDERATIONS: • Are you looking for higher returns?

• Can you handle the higher risk associated with variable annuities?

• Are variable annuities justified by the potential gains in contrast to the risk and fees associated with them?

• When are you planning to retire?

• How much have you saved?

• How long do you anticipate your savings will last during retirement?

• What is your life expectancy?

• Have you given any thought to unforeseen expenses?

• How will inflation and the market impact your withdrawals during distribution?

Annuities can give you a guaranteed income stream for life, such as a life annuity. Variable annuities are different from fixed annuities as they offer investment options. They have fund manager fees. They represent a percentage of assets and as a result, variable annuities may come with sales loads (commissions). The no-load variables are usually used by fee-only advisors but can be used by anyone. Variables, just as in fixed and index annuities allow the owner to deposit premiums when they want. This may be a single premium payment or a series of payments. In a 12 The Presidential Magazine

C O U R T E S Y O F A N N U I T Y. O R G

variable annuity, the owners can move investments between sub accounts whenever they choose. Most variable annuities allow a certain number of transfers per year without costs and then charge a small fee for additional transfers. Some variable annuities are designed for active trading with no limits placed on the number of transfers within a year.

Do fixed annuities and indexed annuities (aka equity index) have a place in

INFLATION FORECAST YEAR

DOLLAR VALUE

INFLATION RATE

2019

$100.00

1.99%

2020

$103.00

3.00%

2021

$106.09

3.00%

2022

$109.27

3.00%

2023

$112.55

3.00%

2024

$115.93

3.00%

2025

$119.41

3.00%

Based on values from the U.S. Bureau of Labor Statistics CPI

retirement? Are their surrender charges justified? Are you looking for guaranteed income for life? Are you looking for safety of principal and growth on your retirement savings? Fixed indexed annuities are made to lower the risk to the owner. They guarantee interest at a minimum and maximum rate of return for the life of the annuity. They ensure that the principal amount in the annuity will not decline as a result of downturns in the market. The annuity owner enjoys current interest returns based on Stock Indices.

Annuity owners benefit from the triple compounding effect of their tax deferred status on the unpaid taxes to the IRS, the principal amount and the interest on the interest. These are all compounded simultaneously during the life of the annuity. Fixed annuities have no management fees as these annuities have no assets to manage.

All of the money paid into the annuity earns interest immediately. There are surrender charges associated with fixed and indexed annuities. An annuity is a retirement plan. Careful consideration should be given to your age as taking distributions before age 59 ½ will incur a 10% tax penalty in conjunction with a tax liability. Time left to retirement and liquidity needs should be considered also as the annuity alternative should not be used as a checking account.

If you are close to retirement and have a low risk tolerance a fixed or equity index may be an alternative for you? Do you have a high risk tolerance? Whether close to retirement or not, perhaps a variable annuity may be a better choice to achieve your retirement goals? You should consult with an adviser or agent that may help you during this process. *I do not offer tax advice and I am not a tax expert or tax attorney, please consult with a tax expert or tax attorney.

R E L AT I O N S H I P S I

BY DR. VIRGINIA CRIST

HealthMarkets - Catherine Thalley-01.jpg

https://mail.google.com/mail/u/0/#inbox/FMfcgxwCgCQMGQCJSXp...

HOW TO KEEP LOVE ALIVE – AT ANY AGE! “Sharing a life together is sharing steps in time. The music is different to each of us –but how beautiful the dance.” – Flavia.

O

h, so many broken dreams. Couples have lived a lifetime together—50 years or more, but some in my office have told me that shortly after the honeymoon, things began to go downhill, and they’ve been miserable ever since. Don’t let that happen to you! Either one or both never spoke about what was troublesome, or you began arguing and never stopped in a way that only continued to damage the relationship.

Gary Brainerd, PhD, of the American Bar Association, states, “Of those who stay married, 90% report their 1 of 1 marriages are unsatisfactory.” Both stunning and sad!

I guide people in achieving healthier love relationships, hoping that everyone can lead happier lives.

Marriage is two imperfect individuals coming together in a relationship.

14 The Presidential Magazine

Mature love is your awareness that you are making a commitment to an imperfect person.

Love involves caring, intimacy, trust, and commitment. Accept differences. Don’t spend your lives trying to change one another. Smile often.

Start each day with a kiss. Look for positives.

You want to know what I hear as one of the greatest maladies among couples?

He/She never listens to me!

He/She doesn’t talk to me.

We don’t communicate.

And they boil with frustration.

One of the chief dysfunctions in failing marriages is verbal. Satisfying intimacy cannot be achieved without good communication. There is a critical difference between communication and effective communication.

We all want so deeply to be heard and understood. That is the basic need and desire for partnering. It seems that many people, however well intended, are very poor listeners, leaving those in their lives hurt and frustrated.

Make love fun! An unhappy marriage can take away happiness in so many other aspects of your life. A relationship robbed of joy depletes energy. As we reinstill hope and move forward with manageable steps, your lives will begin to fill with new energy, more smiles, and even bright sparkles in your eyes again.

4/13/2019, 9:13 AM How beautiful will your dance be?

It’s all up to you!

Dr. Virginia Crist is in Private Practice in Boca Raton, FL and can be reached at 561-212-6855.

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BUSINESS

Secrets of their Success Five of America’s most successful people on what it takes to get there.

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“Every day, every one of us sets the stage for our sentiment, our confidence, and our success by getting dressed. When you feel great, when you feel your best, it opens up a world of possibility. Feeling confident and self-assured are important inputs into good days, successful days, and happy days.”

— Katrina Lake, Founder and CEO of Stitch Fix PHOTOGRAPH BY STUART ISETT/FORTUNE MOST POWERFUL WOMEN

❷

“I live by two principles: Persistence and Gratitude. Persistence gets me where I want to go. And gratitude keeps me from being angry while I’m getting there.”

— Henry Winkler, Successful actor/producer

❸

“If you don’t understand the details of your business, you’re going to fail.”

— Jeff Bezos, the world’s richest man

16 The Presidential Magazine

❹

“I hire smart people and get out of their way.”

— Lee Iacocca, President and CEO of Chrysler Corp.

❺

“In order to be successful, you need three things: an idea; some form of capital; and persistence. But even if you have all three, it still won’t help you if you don’t have just a little bit of luck.”

— Malcolm Forbes, Founder of Forbes Magazine

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EVENTS

LAS VEGAS

2019-2020

20 The Presidential Magazine

Cirque du Soleil offers six shows in Las Vegas.

COURTESY OF CIRQUE DU SOLEIL

PURE YANNI PIANO & INTIMATE CONVERSATION October 6, 2019 | The Smith Center 361 Symphony Park Ave, Las Vegas | thesmithcenter.com | $35-139

W

ith over 40 platinum and gold albums across his 26-year career, new-age phenomenon Yanni has performed his lush melodies worldwide, including becoming the first to give concerts at the Taj Mahal in India and the Forbidden City in China. Now, for the first time ever, Yanni’s new and intimate concert tour features the artist performing his orchestrations exclusively on piano, to give audiences a rare glimpse of his creative process. Beyond his captivating performing, Yanni will also share surprising and inspiring stories from his global career, including cross-cultural experiences from his world tours and adventures with staging mega shows in the most revered locations on Earth. This special evening will even include an audience Q and A with the beloved musician.

oping the romantic fable of ill-fated love. Beautiful and atmospheric, this moving experience is sure to be the highlight of the season.

SO YOU THINK YOU CAN DANCE LIVE!

November 22, 2019 | The Smith Center, Reynolds Hall, 361 Symphony Park Ave, Las Vegas | thesmithcenter.com | $29-85

F

STEVE MARTIN & MARTIN SHORT

ollowing the continued success of the hit summer competition series and 16 Emmy® wins, So You Think You Can Dance is packing up its best dancers of 2019 and touring the country this Fall with So You Think You Can Dance Live!

2019. So You Think You Can Dance Live! 2019 will feature the show’s Top 10 Finalists including Season 16’s winner, America’s Favorite Dancer plus soon to be announced All Star guests. Fall’s hottest ticket will feature this season’s most popular routines, as well as original pieces created specifically for the nationwide tour. Featuring Las Vegas natives Anna Linstruth and Bailey Munoz as well as Ezra Sosa, Stephanie Sosa, Benjamin Castro, Gino Cosculluela, Eddie Hoyt, Madison Jordan, Sophie Pittman, and Mariah Russell.

NOW YOU SEE THEM, SOON YOU WON’T

THE NUTCRACKER

October 6, 2019 │ The Colosseum, Caesars Palace, Las Vegas │ vegas.com │ $67

L

egends of comedy? That title still isn’t good enough for these two comedic giants. Don’t bother going to the gym tonight, these goofballs created a stand up gig full of funny faces that almost guarantee you a six pack from laughing.

Bringing you “An Evening You Will Forget For the Rest of Your Life,” these two iconic funnymen are joined by special musical guest Steep Canyon Rangers for a night of laughs and entertainment that will have audiences rolling in the aisles.

SWAN LAKE

October 24-26, 2019 | The Smith Center, Reynolds Hall, 361 Symphony Park Ave, Las Vegas | thesmithcenter.com | $36-150

M

usic by Peter Ilyich Tchaikovsky. Choreography by James Canfield. Choreographer Ben Stevenson’s Swan Lake sits among his most illustrious creations, a sumptuous and wondrous performance that is a must see for ballet aficionados and newcomers alike. This most iconic love story in all of ballet is set to Tchaikovsky’s timeless score, gloriously envel-

December 13-24, 2019 | The Smith Center, Reynolds Hall, 361 Symphony Park Ave, Las Vegas | thesmithcenter.com | $30-190

M

usic by Peter Ilyich Tchaikovsky. Choreographed by James Canfield, NBT’s The Nutcracker is a magical journey through a larger than life world filled with waltzing flowers, nimble fairies, and moonlit snow. Glittering holiday cheer abounds as Clara and her handsome Prince travel from the warmth of her family home to a land of toy soldiers, mischievous rodents and exotic visitors from faraway lands.

PARTY ON THE MOON - LAS VEGAS NEW YEAR’S EVE 2020

December 31, 2019 │ The View Lounge & Moon Rooftop Nightclub, Las Vegas │ vipnightlife.com │ $49-251

V

egas NightLife Presents...Party on the Moon! Las Vegas Fireworks Viewing & Dance Party. Celebrate 50 Years since we landed on the Moon! New Year’s Eve at The View & Moon Nightclubs in Las Vegas! The View & The Moon are exclusive penthouse style night-

clubs located at the top of The Palms’ Fantasy Tower in Las Vegas 52 & 53 Stories up. The two nightlife gems deliver a futuristic and sultry atmosphere complete with a retractable roof for dancing under the stars. Ages 21+

DAVID LEE ROTH ROCKS VEGAS

January 8-March 28, 2020 │ House of Blues, Music Hall, Las Vegas │ houseofblues.com │ $129-700

D

avid Lee Roth – front man and voice of Van Halen – is coming to Las Vegas. Toastmaster general of the immoral majority Diamond Dave is bringing the rock to the House of Blues Las Vegas with a larger than life and explosive residency playing all of the greatest hits! Age 18+

DEATH VALLEY ADVENTURE TOUR

Ongoing, 2019 | Las Vegas | 866-9834279 | $275

Y

our journey continues as you head to Death Valley, the lowest point in the United States.

Here, you’ll see Dantes View, Devil’s Golf Course, Badwater and much more. Make sure to bring your camera and capture shots of bizarre desert plant life and unusual, yet beautiful landscape. Finally catch sights of Las Vegas’ surrounding areas as you return to your hotel.

This tour is typically available from September through June. This tour is not available Thanksgiving, Christmas and New Year’s Day.

REAL BODIES AT BALLY’S

Ongoing │ Bally’s 3645 S. Las Vegas Blvd. │ 866-983-4279 │ $28

R

eal Bodies showcases 20 whole-body specimens and over 200 organs and partial body specimens in an educational experience like none other. Perfect for Halloween.

CIRQUE DU SOLEIL

Ongoing, 2019 │ Various Locations, Las Vegas │ cirquedusoleil.com │ $49-251

C

irque du Soleil offers no less than six shows in Las Vegas. Dates and times vary: “Mystere” at Treadure Island; “O” at the Bellagio Hotel & Casino; “Kà” at the MGM Grand; “Michael Jackson ONE” at the Mandalay Bay Resort & Casino; “The Beatles LOVE” at the Mirage; “Zumanity” at the New York New York Hotel & Casino.

The Presidential Magazine 21

VA C AT I O N

DISCOVER

ST. GEORGE ISLAND OF THE FORGOTTEN COAST

S

omewhere along Florida’s sprawling panhandle coast lies a 28-mile long barrier island surrounded by crystal clear gulf waters and pristine white sandy beaches. Maybe you’ve heard of it, but chances are you haven’t. It’s called St. George Island. And, if you haven’t visited yet, now is the time.

St. George is part of the Appalachia Bay area known as “The Forgotten Coast,” a nickname coined in the early 1990s in reference to the relatively uninhabited coastline stretching from Mexico Beach in the west to St. Marks in the east.

Despite consistently rating as one of the top beach destinations in the U.S., St. George Island has somehow remained a quiet, uncrowded paradise. There are no high-rise hotels, no late-night dance clubs, or bungee cord jumps. Even during the peak of summer (the high season for the island), beachgoers will still find the shores relatively empty and serene.

Yes, unlike the ever-popular Destin and Panama City beaches, there’s something different at St. George. Time seems to slow down here. As you walk the beach,

22 The Presidential Magazine

untouched shells remain scattered along the shore, waiting to be found. The views of the ocean are simply breathtaking, particularly as the sun rises and sets, casting an array of orange and purple hues across the horizon. Dolphins dance just beyond the waves and life-long fishermen cast their nets into the water. Restaurants serve fresh, local fish and seafood, and “today’s catch” means it was pulled off a boat that morning. And the nights might be the best part.

At night, due to the limited light pollution on this forgotten shore, one can visibly see the moon and stars shining bright up above in the midnight blue sky.

When you visit, you’ll see why it’s so easy to fall in love with a place like this.

you’ll feel like you have the island to yourself. Even though it’s not quite warm enough for most to take a dip in the water throughout January and February, the temperatures average at around a pleasant 60 degrees Fahrenheit.

WHEN TO GO While the summer months are the most popular time to visit the island, these months tend to be the hottest, with temperatures reaching the high 80 and 90s.

Although less popular, October and May are two of the best months to visit, with more mild temperatures, less precipitation, and fewer people. In the winter months,

WHERE TO STAY Whether you’re looking for a luxurious beachfront with a private pool, or a quaint cottage overlooking the bay, St. George has a place to stay for everyone.

WHAT TO DO No matter your interests, there is plenty to do on the island. Restaurants and cafes serve up fresh local oysters, grouper, shrimp, and more. For adventurous souls, there are numerous options for renting jetskis, kayaks, bikes and boats. The island is a short 20-minute drive from Appalachicola, a charming port town offering an array of restaurants, cafes, and shops.

For a list of vacation homes to rent on the island, visit VRBO, Airbnb, or www.ForgottenShoresProperties.com

P H O T O S C O U R T E S Y O F B O C A R AT O N R E S O R T A N D C L U B

Exploring the

Great Resorts of America

The pool at the Resort Spa.

THE BASICS

BOCA RATON RESORT & CLUB

T

he Boca Raton Resort & Club—A WaldorfAstoria Resort (the official name) comprises of three premier luxury hotels: The Boca Raton Resort & Club is the main building, known for its signature pink color, tower and spas.

The Yacht Club is the five-star luxury resort with varied water activities from their own marina, a private concierge lounge, and suites overlooking Lake Boca.

Boca Beach Club is a private beach property of half a mile on the ocean that boasts of personal cabanas, a personal beach attendant, and complimentary hand and foot massage for each guest.

The Presidential Magazine 23

T H E G R E AT R E S O R T S O F A M E R I C A c o n t i n u e d

BOCA RATON RESORT & CLUB A WALDORF ASTORIA RESORT

24 The Presidential Magazine

BY THE NUMBERS Number of hotel rooms: 1,047 Total size of property: 337 acres Restaurants & bars on the property: 13 Number of pools: 6 pools & 1 Flow-Rider Number of slips at the marina: 32 Last purchase price for resort: $461.6 million Number of tennis courts: 30 Golf courses: 2

Boca Resort & Club courtyard with “Slave Girl� Fountain The Presidential Magazine 25

T H E G R E AT R E S O R T S O F A M E R I C A c o n t i n u e d

BOCA RATON RESORT & CLUB

HISTORY OF OWNERSHIP • 1926 — Original Architect Addison Mizner.

• 1927 — Clarence H. Geist, utility millionaire.

• (During the Second World War, the property was used as barracks for soldiers of the Boca Raton Army Air Field.)

• 1944 — The Schine Family • 1960s — Arthur Vining Davis/Arvida Corp • 1983 — VMS Realty, Inc • 2004 — The Blackstone Group • 2019 — Michael Dell/MSD Partners Main photo: Boca Resort Lobby Below: The Commodore Lounge

26 The Presidential Magazine

A N I M A L S I B Y PA U L I N A C O N N O L LY

HOW TO SHOW YOUR DOG THAT

YOU LOVE THEM Y

our dog is always there for you, keeping you safe and making you feel loved and cherished. How do you show them that they are a valued member of your family? There are numerous ways to show your dog that you will protect them and love them, and there are a few that are our absolute favorites.

1

TAKE YOUR DOG FOR LONG WALKS. Those short morning walks are nice and welcomed by your dog, but it is those longer strolls that will make them feel loved the most.

During these walks, you can explore new areas of the neighborhood or even take them to a dog park to meet up with other dogs. The dogs over at the local park love to play and can be seen dashing from one new dog friend to the next.

2

PLAY WITH YOUR DOG. There are plenty of options when it comes to playing with your puppy, or older dog. A rousing game of fetch will keep them intrigued for what seems like hours, while a quick game of tug of war will tire them out easily. Set aside a few minutes, multiple times a day, to play with your dog and they will reward you with barks and kisses.

3

BUY YOUR DOG A NEW TOY. Your dog is going to miss you every time that you leave your house, but you can show your dog that you love them by buying them a new toy to play with while you are gone. Many dogs will

be happy with a little stuffed animal, while others will prefer a ball or a rope that they can tug around. Your goal is to find something that will keep them occupied when you are away, while also allowing them to know how much you love them.

the water, as well as the wind in their fur, as they ride along soaking up the sun right next to you. This is the perfect way to get some relaxation with your best friend by your side and get away from all the stress in life.

TAKE YOUR DOG FOR A RIDE ON A BOAT. When the weather is warm and sunny, there is plenty of time for you to take your dog out for a ride on a boat. Most dogs love

Paulina Connolly owns Dog Face, Inc., a dog art company in Sarasota, Florida.

To learn more about her work, go to: “www.DogFaceInc.com”. She can be reached at DogFaceOwner@gmail.com.

4

The Presidential Magazine 27

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FINANCIAL

CHARTING THE TOP

LUXURY CREDIT CARDS W

hen considering a financial service that effectively involves spending between $250,000 to upwards of a Million Dollars of your money, there is much to consider. When choosing a luxury credit card, there is far more than we can cover on one page. There is more than just convenience — security, points, the financial company’s reputation — are just some factors to take into account. You may also want to stay informed by reading financial COMPANY

publications, as this is a very fluid sector and each company’s reputation is a factor in trust and effectiveness. You need to contact the credit card company to get a complete report. We cannot show all the perks on this page, for example. This is meant to be a starting point for your final choice. But the “choice” may not be your choice after all, as many of these cards cannot be applied for, and are available only by invitation, based on your prior record.

CARD

FEES

PRE-QUALIFICATION

BENEFITS – PARTIAL LIST

➊ SBERBANK

VISA INFINITE GOLD CARD

• Initiation Fee: $65K • $35K up front credit

• Issued by Kazakhstani bank to 100 select clients.

• Concierge services.

• $250K life insurance.

• Priority immigration.

➋ MASTERCARD

BLACK CARD

• Annual Fee: $495 • APR: 17.24% Variable • Additional user: $195

• Excellent Credit.

• 24/7 Luxury Card Concierge.

• 0% intro APR for limited time.

• Emergency roadside dispatch.

➌ COUTTS

WORLD SILK CARD

• Annual Fee: None • APR: 14.7% Variable

• Exclusive to Coutts clients.

• Must be over 18.

• $26K monthly credit limit.

• 24/7 Concierge services.

• Priority Pass.

➍ CHASE

SAPPHIRE RESERVE

• Annual Fee: $450 • Additional user: $75 • APR: 19.24%–26.24%

• Credit score over 700.

• Proof that you can handle a $10K minimum credit line.

• Intro rewards + 3X pts on travel.

• Priority Pass Access; transfer pts. to partner companies.

➎ JP MORGAN

RESERVE CARD

• Annual Fee: $595

• $10 Million in J.P. Morgan bank.

• $300 + 3X pts on travel.

• 24/7 concierge services.

• Priority Pass access.

➏ AMERICAN EXPRESS

CENTURION® CARD

• Initiation Fee: $7.5K • Must spend over $250K • Annual Fee: $2.5K on regular card.

• Late Fee: $38 or 2.99%

➐ FAB DUBAI FIRST

ROYALE MASTERCARD

• Initiation Fee: $2K • APR: Flexible

• You may need to own property • Personal Concierge. in Dubai to be invited. Must spend • 0% interest on many items over $250K on regular card. and services.

➑ STRATUS REWARDS

VISA

• Annual Fee: $1.5K

• Must spend $100K on reg. card.

• You need a referral from an existing cardmember.

➒ BARCLAYS BARCLAYCARD

ARRIVAL PLUS® WORLD ELITE MASTERCARD®

• $89 (waived first year) • 670-850 credit score.

• APR: 18.24% - 25.24% variable

Card carved from solid gold with diamonds & other stones.

“Best airfare redemption rate” - Credit Card Pro

From Royal Bank of Scotland.

Queen Elizabeth’s credit card.

“Best Premium Travel Credit Card” - Money Mag.

Card contains Palladium.

Also known as the Amex Black Card.

FAB is First Abu Dhabi Bank.

The card is embedded with a .235-carat diamond.

“The White Card” for elite travelers.

Earn unlimited 2X miles on every purchase.

30 The Presidential Magazine

• 24/7 personal concierge program; 1-1.5 rewards points per dollar spent.

• Personal Concierge.

• Private jet time as redeemable reward.

• 70,000 bonus miles.

• No foreign transaction fees.

• International Chip and PIN.

The Art of Cruising

· Determining whether the level of convenience, flexibility in dining hours, the variation of dining services available will accommodate your family’s dietary habits, needs and expectations · Qualifying the safety criteria and security standards of the cruise line as well as the ship · Evaluating the size and configuration of the stateroom accommodations on board · Choosing an itinerary with port excursions and a length of travel time that aligns well with your travel goals and criteria Popular cruise lines like Princess, Celebrity, Royal Caribbean and Disney focus their services on family travel and ensuring a diverse range of amenities and activities. The larger ships accommodate travelers of different styles, by offering a variety of room categories, from interior cabins to luxury suites with exclusive amenities and privileges. Larger ships typically can accommodate families with special needs and larger groups needing specific accommodations, such as groups, where maybe some travelers may need accommodations for one person and others may want adjoining cabins.

Choosing Your Cruise

Cruises continue to be a popular way to travel as there is something for everyone. It is also thought to be a quicker and more convenient way to explore multiple destinations in one trip. However, choosing the right cruise is challenging due to the diverse number of cruise lines, ship types and itineraries. Figuring out the best type of cruise for you is a great start to ensuring a memorable experience.

Antarctica. For families with school-aged children, a European or Mediterranean cruise offers families a glimpse into ancient history and unique cultures and enhances their children’s “world education” by allowing them to learn through experience. Cruising is also an excellent way to explore a variety of destinations for the first time and plan for future travel where more time can be spent at your favorite port on your cruise.

Family Cruising

Cruising is, arguably, one of the best family vacation options available. The almost all-inclusive nature of cruising ensures great value and ample activity options for all types of travelers. While land travel is often designed with a specific style of itinerary based on the interests of the overall group, cruising allows all members of a family to tailor their own on board experience based on their specific age, interests and physical abilities. By providing a multitude of options including childcare centers, teen clubs, water slides, pools, casinos, entertainment and varying excursions suitable to the individual, multi-generational families are able to create a travel experience that appeals and engages all members of their family.

The destinations and style of cruises range from relaxing and fun-filled Caribbean adventures to awe-inspiring cruises to the glaciers of Alaska and

The best family cruise vacations are those that appeal to your style of travel and offer experiences that entertain, enrich and engage your type of family. Not all lines cater to families, nor will you find the same amenities, activities and services on every ship within the same line. Important factors to consider while planning a family cruise include: · Accessing the depth of programs specifically geared towards family and children, including babysitting services and clubs for children and teenagers

River Cruising

A river cruise offers the convenience and luxury of an ocean cruise combined with the in-depth experience of a land tour. Offering an intimate setting, a journey along the river is just the right pace for getting the lay of the land and seeing some of Europe’s finest rivers such as the Seine, Danube, Moselle and Rhine. Uniworld voted Best River Cruise Line in 2018 by Travel & Leisure, is doing a wonderful job of creating niches in the river cruise market. Their U by Uniworld line attracts young adult travelers while its Uniworld Generations sailings are designed specifically for families with children. Known for its luxury vessels, Crystal Cruises is gaining popularity in the river cruise market as well. Cruise lines like Uniworld and Crystal Cruises are elevating all-inclusive river cruising to an entirely new level by offering the highest staff-to-guest ratios, including all gratuities on board and ashore, airport transfers, in-suite butlers, elegant dining experiences, an impressive selection of premium spirits and wines, personalized shore excursions, on shore bicycles and walking sticks, unlimited free wi-fi and more. Luxury river cruises are truly boutique floating hotels, featuring impressive artwork, custom furnishings and decor, stunning yet inviting common areas, spa facilities, rooftop decks and other unique features.

Boutique Travel Advisors (BTA) is a full-service travel agency specializing in luxury and boutique travel. As an independent affiliate of the world-renowned Signature Travel Network, BTA clients have access to valuable savings, VIP amenities and destination specialists all over the world.

Luxury Cruises

Luxury cruises offer an enhanced level of service by accommodating fewer guests on board and offering a higher ratio of crew to guests than other cruise ships. The staterooms are elegant and more spacious. In-suite butlers, personalized stationery, high-end bath products and all-inclusive amenities such as gratuities, concerts and shore excursions are services and products that luxury cruises provide to distinguish themselves from other mainstream brands. Luxury cruise lines such as Crystal, Silversea, Seabourn, Regent Seven Seas and Azamara offer itineraries for discerning travelers who may have already cruised but are looking for new and more intimate experiences

Kathleen Lambermont Cruise Specialist

cruise lines such as Silversea, Lindblad and Ponant, are bridging the gap and bringing luxury on board.

Many now offer spas, luxury suites and fine dining options.

Two very popular destinations for expedition cruising are Antarctica and the GalĂĄpagos Islands.

Antarctica is one of the last untouched destinations in the world where you can see remarkable wildlife, such as penguins, seals, whales, and awe-inspiring scenery. For a more tropical destination, the Galapagos Islands offer adventurers a glimpse at Blue-footed boobies, Darwin’s finches, giant Expedition Cruising tortoises, pink flamingos, sea lions and a variety of Expedition cruise lines have emerged to answer the other unique creatures in their native land and sea. increasing desire of travelers to get off the beaten path, explore difficult to reach destinations and Similar to other types of cruises, selecting the right support companies focused on environmental cruise line is paramount in ensuring the best overall stewardship and preservation. Emphasis on experience. Price points, level of comfort, ports of expedition vessels is placed on connecting with call and on board activities are important factors to nature, being able to view wildlife up close and consider in making the best decision. Lindblad engaging with on board expedition experts such as Expeditions, one of the most respected expedition marine biologists and nature photographers. The cruise lines in the world, essentially pioneered the vessels which are used to sail in these remote regions concept of expedition travel. Through their of the world are designed and built specifically to partnership with National Geographic they offer safely navigate the waters and often changing exhilarating experiences led by undersea specialists, weather conditions they encounter. photographers and ice masters. Quark Expeditions Although historically expedition cruises have differentiates themselves by offering sailings which focused more on reaching far off destinations than include opportunities for camping, kayaking and convenience the new vessels, being designed by stand-up paddle boarding in remote polar regions.

BTA Cruise Specialist, Kathleen Lambermont during her recent Uniworld River Cruise in Bordeaux, France.

Cruise Specialist Kathy Lambermont is based in Henderson NV and designs cruises and other itineraries for each client based on individual preferences and expectations. Kathy is a certified Signature Travel Expert and has been on over 32 cruises around the world. She loves to help clients maximize the full experience of their cruise vacations with customized pre and post cruise itineraries. For more information, email her at Kathy@travelbta.com or call (702) 378-8248.

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