WeHa VoL. 1 4, No. 6 , 2 02 5
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F I NANCE| WE DDI NG| T RAVE L| GARDE NI NG| F ASHI ON| DI NI NG| CL E ANI NG
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cont ent s VoL.1 4,No. 6,2025
KOFTHEP UBL I S HE R 7 FROM THEDES
9 CHAMBERNEWS NG 1 3 WEDDI NANCE 1 7 FI
2 3 TRAVEL NG 2 5 GARDENI TEOF2 0 2 5 3 0 TAS AS HI ON 3 3 MENSF ON THES CE NE ” P ODCAS T 3 2“ AS HI ON 3 5 WOMENSF
0 2 5 3 7 BENCHMARK2
FEATUREDARTI CL E 2 9
DI NI NG: THEL AURE L : A GL OB ALCUL I NARYGE M I N WE S THARTF ORD
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F ROMTHEDESKOFTHEPUBL I SHER Enj oySpr i ngwhi l ewede s i g ns omeb e a ut i f ul b e nc he sf ory out oe nj oy ! Asy out hi nkofr e a s onst ob eout door st hi sSpr i ng ,b eont hel ook outf orourBENCHES–BENCH MARKi s ourl a t e s tOUTDOORARTEXHI BI Ta ndi ti sunde r wa y( s e ePa g e3 7 ) .AsLARSEN ACEHARDWARE s t e ppe dupt ob eourpa r t ne rf orde l i v e r y /pi c kupofourBe nc he st he yc ur r e nt l yha v eaBe nc hondi s pl a yi ns i de t heBi s hopsCor ne rSe ni orCe nt e r .Ar t i s t sKe l l yKe l l ya ndSa m Fe r r ia r eb us ypa i nt i ngBENCHESf orourc ur r e nts pons or s ,Ha r t f or dHe a l t hc a r e ,Li b e r t yBa nka ndUdol fPr ope r t i e st ona meaf e w.Wea r es e e k i ngmor e s pons or s ,1 3Be nc hSPONSORSt ob ee xa c t ,t hes a mea sweha df ort heBEARSa ndt heDOGS ,BUTpl e a s e l e tusk nowi fy oua r ei nt e r e s t e d,t he ywi l ls e l lout .Spe c i a lt ha nk st oSi gf r om t heBi s hopsCor ne rNe i g hb or hoodAs s oc i a t i onf ore duc a t i ngusa b outt hei mpor t a nc eofBe nc he si nt oda y ' se v e r y da yl i f e .Be nc he spl a ya n i mpor t a ntr ol ei na l l owi ngpe opl eofa l la g e s ,na t i ona l i t y ,s oc i oe c onomi cc l a s sa nds e xt oc ommuni c a t eope nl y s i mpl yb ys i t t i ng ,r e l a xi nga nde nj oy i ngg oodc ompa ny !
TASTEOF( s e ePa g e3 0 ) … wea r epa r t ne r i ngwi t ht heBa c kNi nea tSt a nl e yGol fCour s et ob r i ng b a c ki nf ul ls wi ng( puni nt e nde d)ourTASTEOFe v e nt s .Wewi l lb ea ddi ngas pe c i a ls ur pr i s et hi s Spr i ng .Wa t c hf orde t a i l sons oc i a lme di aa nda sa l wa y st i c k e t swi l lb ea v a i l a b l eonEv e nt b r i t e . The9 5 t hAnni v e r s a r yoft heJ EWI SH LEDGERi suponus… weha v es omee x c i t i ngpl a nsma r k i ngt hi s mi l e s t one ! Asa l wa y s ,NBTBANK’ SON THESCENEPODCASTi si nf ul ls wi ng .Wewi l lha v es omee x c i t i ngg ue s t s t hi sSpr i ngy ouwon ’ twa ntt omi s ss ok e e pa n“ e a r ”outa ndwa t c hf orde t a i l sons oc i a lme di aorwhe r e v e r y oul i s t e nt oy ourPodc a s tf a v e s( s e ePa g e3 2 ) .
Se ey ou… OnTheSc e ne ! Tom &Hi l l a r y Pr e s i de nt&Pub l i s he r
OnTheCov e r ,Spr i ngi nWe s tHa r t f or d, b yToddFa i r c hi l d,Di r e c t orofPhot og r a phy
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We s tHa r t f or dCha mb e rofComme r c e :
We s tHa r t f or dCha mb e rCha mpi ons Communi t yHe a l t ha ndWe l l ne s s I nWe s tHa r t f or d, he a l t ha ndwe l l ne s sa r e
a ndnut r i t i ona l e duc a t i on. The s ev i s i t sa r et he n
mor et ha nj us tb uz z wor ds —t he ya r ef ounda t i ona l
s ho wc a s e dont heCha mb e r ’ ss oc i a l me di ac ha nne l s ,
pi l l a r ss uppor t e db yt heWe s tHa r t f or dCha mb e r .
i nc l udi ngFa c e b ook , I ns t a g r a m, YouTub ea nd
Wi t ha ppr o x i ma t e l y2 0 %ofi t sme mb e r s hi pr oot e d
Ti k Tok , c r e a t i ngab uz za nddr i v i ngc ommuni t y
i nt hehe a l t hs e c t ori nc l udi ngme di c a l , de nt a l ,
e ng a g e me nt .
TheCha mb e r ’ sc ommi t me ntt ohe a l t ha nd
hol i s t i c , f i t ne s s , phy s i c a l t he r a p y , a ndme nt a l he a l t h
Thi si ni t i a t i v enotonl yi nt r oduc e sr e s i de nt st o
pr o v i de r s —t heCha mb e ri sapo we r f ul a d v oc a t ef or
l oc a l he a l t hr e s our c e sb uta l s opr o v i de spa r t i c i pa t i ng
c ommuni t ywe l l b e i ng . The s eme mb e r se nc ompa s s
b us i ne s s e swi t hv a l ua b l ee x pos ur e . I t ’ sawi nwi n
b ot hf or pr of i tb us i ne s s e sa ndnonpr of i t s , r e f l e c t i nga
a ppr oa c ht ha tnur t ur e sc ommuni t yc onne c t i ons
di v e r s es pe c t r um ofs e r v i c e sc ommi t t e dt o
whi l es uppor t i ngt heg r o wt hofhe a l t ha ndwe l l ne s s
e nha nc i ngt heq ua l i t yofl i f ei nt her e g i on.
e nt e r pr i s e s .
ACOMMI TMENTT OCOMMUNI TYHEAL TH
i ni t i a t i v e sde s i g ne dt oc onne c tl oc a l pr o v i de r swi t h r e s i de nt s . Byf os t e r i ngac ul t ur eofwe l l b e i nga nd c ommuni t ye ng a g e me nt , t heCha mb e rs e r v e sa sa b r i dg eb e t we e nhe a l t hpr a c t i t i one r sa ndt hos e s e e k i ngahe a l t hi e rl i f e s t y l e . “ Att heWe s tHa r t f or dCha mb e r , web e l i e v ei n s uppor t i ngourme mb e r swhi l ea l s oc ont r i b ut i ngt o t heo v e r a l l he a l t hofourc ommuni t y , ”s a i d Chr i s t ophe rConwa y , Pr e s i de nt&CEOoft heWe s t Ha r t f or dCha mb e r . “ We ’ r epr oudt opr o v i de
e n v i r onme ntwhe r ehe a l t ha ndwe l l ne s sa r e
We l l ne s s , a nope na i rhe a l t ha ndwe l l ne s sf a i rhe l d
pr i or i t i z e d.
e a c hMa yi nt hehe a r tofBl ueBa c kSq ua r e . Thi s
L OOKI NGF ORWARD
v i b r a nte v e ntb r i ng st og e t he radi v e r s er a ng eof he a l t hpr o v i de r sa ndnonpr of i t s , of f e r i nga t t e nde e s a noppor t uni t yt oe x pl or el oc a l we l l ne s sr e s our c e si n
Ast heWe s tHa r t f or dCha mb e rl ook sa he a dt o
al i v e l ya ndi nt e r a c t i v ee n v i r onme nt . Fr om me di c a l pr o v i de r sa ndf i t ne s sc e nt e r st o
we l l b e i ng . Thee v e nti sf r e ea ndope nt ot hepub l i c ,
c a mpa i g ns . Thepr og r a mi ss t r a t e g i c a l l yt i me dt o i ns pi r ea ndmot i v a t ec ommuni t yme mb e r sdur i nga pe r i odwhe nhe a l t hg oa l sa r ea tt hef or e f r ont .
s t r e ng t he nsc ommuni t yb onds , c r e a t i ngas uppor t i v e
t heTo wnofWe s tHa r t f or da l s oor g a ni z e sWe Ha
mi xofe x hi b i t or sde di c a t e dt os uppor t i nghe a l t ha nd
we l l ne s sb us i ne s s e st hr oug he ng a g i ngs oc i a l me di a
Cha mb e rpl a y sac r uc i a l r ol ei ne nha nc i ng
Thec ol l a b or a t i v es pi r i tf os t e r e db yt he s ee v e nt s
Cha mb e ri npa r t ne r s hi pwi t hBl ueBa c kSq ua r ea nd
he a l t hi e rl i v i ngwi t hi nourt o wn. ”
r e s ol ut i ons , t heCha mb e rs pot l i g ht she a l t ha nd
pr a c t i c e st oi nno v a t i v ewe l l ne s ss t a r t ups —t he
r e s i de nt st ot a k epr oa c t i v es t e pst o wa r db e t t e rhe a l t h. I na ddi t i ont ot heNe wYe a r ’ ss e r i e s , t he
pr a c t i t i one r s , We HaWe l l ne s ss ho wc a s e sa ne c l e c t i c
J a nua r y , a sr e s i de nt se mb r a c eNe wYe a r ’ s
b us i ne s s e s —r a ng i ngf r om t r a di t i ona l me di c a l
he l psl oc a l b us i ne s s e st hr i v ewhi l ee mpo we r i ng
ofourhe a l t hf oc us e dme mb e r sb uta l s oi ns pi r e
Annua l Ne wYe a r ’ sHe a l t hVi de oSe r i e s . Ea c h
ne t wor kofdi v e r s ehe a l t hr e l a t e d
Vi de oSe r i e sa ndWe HaWe l l ne s s , t heCha mb e r
me nt a l he a l t hor g a ni z a t i onsa ndhol i s t i c
Oneoft heCha mb e r ’ sf l a g s hi pi ni t i a t i v e si st he
b ui l di ngahe a l t hi e rc ommuni t y . Bys uppor t i nga
Thr oug hi ni t i a t i v e sl i k et heNe wYe a r ’ sHe a l t h
WEHAWEL L NESS: ACOMMUNI TY CEL EBRA TI ONOFHEAL TH
pl a t f or mst ha tnotonl yhi g hl i g htt hei nc r e di b l ewor k
ANNUALNEWY EAR’ SHEAL THVI DEOSERI ES
we l l ne s si smor et ha nj us te v e ntpl a nni ng ; i t ’ sa b out
c ommuni t ywe l l b e i ng .
TheCha mb e r ’ sde di c a t i ont opr omot i ng he a l t ha ndwe l l ne s si se v i de ntt hr oug hi t ss t r a t e g i c
SUPPORTI NGBOTHBUSI NESSES ANDCOMMUNI TYWEL L BEI NG
e nc our a g i ngc ommuni t y wi depa r t i c i pa t i ona nd
2 0 2 5 , t heor g a ni z a t i onr e ma i nsde di c a t e dt o s uppor t i ngi t she a l t hf oc us e dme mb e r sa nd pr omot i ngc ommuni t ywe l l ne s s . Byc ont i nui ngt o i nno v a t ea nde x pa ndi t she a l t ha ndwe l l ne s s i ni t i a t i v e s , t heCha mb e re ns ur e st ha tWe s tHa r t f or d r e ma i nsat hr i v i nga ndhe a l t hyc ommuni t y . Formor ei nf or ma t i ona b outt heWe s tHa r t f or d
f os t e r i ngac ul t ur eofwe l l ne s s . “ TheWe s tHa r t f or dCha mb e ri spl e a s e dt o b r i ngt heWe HaWe l l ne s sHe a l t h&We l l ne s sFa i rt o ourc ommuni t ye a c hy e a r , ”s a i dKa t eKob s , Di r e c t or ofDe v e l opme nt&Pr og r a msf ort heCha mb e r . “ We a i mt ohi g hl i g htab r oa ds pe c t r um ofwe l l ne s s pr a c t i t i one r s , f r om c l i ni c a l e x pe r t st ohol i s t i che a l e r s ,
Cha mb e r ’ she a l t ha ndwe l l ne s si ni t i a t i v e sort o pa r t i c i pa t ei nupc omi nge v e nt s , v i s i tt he i rwe b s i t eor f ol l o wt he m ons oc i a l me di a . Tog e t he r , wi t h c ommuni t yi n v ol v e me nta ndac ommi t me ntt o we l l b e i ng , We s tHa r t f or di spoi s e dt oc ont i nuei t s j our ne yt o wa r dahe a l t hi e rf ut ur e .
e ns ur i ngt ha tr e s i de nt sha v ea c c e s st ot heb e s the a l t h r e s our c e sa v a i l a b l e . ”
Thev i de os e r i e sf e a t ur e sf i r s t ha nde x pe r i e nc e s b yCha mb e rs t a f fwhov i s i tpa r t i c i pa t i ngb us i ne s s e s , t r y i ngoutpr oduc t sa nds e r v i c e sr a ng i ngf r om f i t ne s s c l a s s e sa nds pat r e a t me nt st og ui de dme di t a t i on,
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WEDDI NG
I
nt hehe a r tofConne c t i c ut , a mi ds tt her ol l i nghi l l sa ndt he v i b r a nthue sofaNe wEng l a nda ut umn, J e s s i eVa ug hna nd Mi c ha e l Ma ng i ul l i e x c ha ng e dv o wsi nac e l e b r a t i ona suni q uea nd he a r t f e l ta st he i rl o v es t or y . The i rwe ddi ng , at e s t a me ntt ot he i r s ha r e dv a l ue sa ndc onne c t i on, unf ol de da tMa pl eLa neFa r ms
i nPr e s t on, a3 2 5 a c r eChr i s t ma st r e ef a r ms t e e pe di nr us t i cc ha r m.
J e s s i e , aDi a mondBuy e rf orLuxBond&Gr e e n, a ndMi c ha e l , aNe wCons t r uc t i onSus t a i na b i l i t yTe c hni c i a nf orMa Gr a nn, s oug hta v e nuet ha tr e s ona t e dwi t ht he i rpe r s ona l s t y l e . AndMa pl eLa neFa r ms , wi t hi t sc e nt ur y ol ds t onewa l l swi ndi ngt hr oug ht hewoodsa nda 1 7 0 0 sf a r mhous eb r i mmi ngwi t hhi s t or y , pr o v e dt ob et hepe r f e c tc a n v a sf ort he i rv i s i on.
" Whe nwef i r s tdr o v eont ot hef a r m, e v e ni nt hes t a r k ne s sofwi nt e r , wewe r ec a pt i v a t e d, "J e s s i er e c a l l s . " Thes t onewa l l s , t hepr omi s eof t hef ol i a g e , a ndt hewa r mt hoft hef a r mhous e–i ta l l f e l tr i g ht . "
Thewe ddi ngwe e k e ndb e c a mea ni nt i ma t eg a t he r i ng , ac e l e b r a t i onofc ommuni t ya nds ha r e dj oy . J e s s i ea ndhe rb r i da l pa r t ys pe ntt he ni g htb e f or et hec e r e monyi nt hef a r mhous e , c r e a t i ngl i f e l ongme mor i e s . Thef ol l o wi ngmor ni ng , J e s s i e , a l ong s i dehe rb r ot he r , t r a ns f or me d t heb a r ni nt oar oma nt i cc e r e monys pa c e , f r a mi ngt hewe ddi nga r c ha g a i ns tab a c k dr opoff a l l f ol i a g ea ndawe a t he r e ds t onewa l l . Apl a y f ul mome ntwi t ht hepr ope r t yo wne r , whos ug g e s t e ds hi f t i ngt hec e r e monyt of a c eas e r e nepond, a dde dat ouc hofs e r e ndi pi t yt ot he pr e pa r a t i ons .
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Thec e r e monyi t s e l fwa sade e pl ype r s ona l a f f a i r , of f i c i a t e db yt hec oupl e s ’ f r i e nd, J ohnKr i t z ma n, whoha db e e ni ns t r ume nt a l i nt he i ri ni t i a l me e t i ngni ne y e a r spr i or . " J ohng otor da i ne dj us tf orus , "J e s s i es ha r e s , " a ndt ha tma det he c e r e monye v e nmor es pe c i a l . He ’ st her e a s onwe ’ r et og e t he r . "
Ther e c e pt i on, he l di nt hes a mee nc ha nt i ngs e t t i ng , e s c he we dt r a di t i ona l f or ma l i t i e si nf a v orofar e l a x e da t mos phe r e . The r ewa snos e a t i ngc ha r t , no s t r uc t ur e ddi nne rt i me l i ne , a ndnoc us t oma r ywe ddi ngg a me s . I ns t e a d, J e s s i ea nd Mi c ha e l pr i or i t i z e dc r e a t i nga ne v e ni ngwhe r et he i rg ue s t sc oul dc e l e b r a t eont he i r o wnt e r ms , f os t e r i ngc onne c t i ona ndj oy . Thec oupl edi d, ho we v e r , honort r a di t i on wi t ht he i rf i r s tda nc e , a swe l l a st hef a t he r da ug ht e ra ndmot he r s onda nc e s .
J e s s i e , ag r a dua t eoft heUni v e r s i t yofConne c t i c utwi t haBa c he l or ' sde g r e e , f ur t he r e dhe re x pe r t i s ewi t haGr a dua t eGe mol og i s tdi pl omaf r om t he Ge mol og i c a l I ns t i t ut eofAme r i c a( GI A)a ndaCe r t i f i e dGe mol og i s tAppr a i s e r t i t l ef r om t heAme r i c a nGe m Soc i e t y( AGS) . Mi c ha e l , aCe nt r a l Conne c t i c utSt a t e Uni v e r s i t ya l umnus , b r i ng shi so wnuni q uepe r s pe c t i v et ohi swor ki ns us t a i na b l e c ons t r uc t i on.
The i rhone y moon, ame t i c ul ous l ypl a nne dj our ne yt hr oug hNor wa y , Swe de n, a ndDe nma r k , r e f l e c t st he i rs ha r e dl o v eofe x pl or a t i ona ndna t ur a l b e a ut y . " We ' r e g oi ngf ort hes c e ne r y , "J e s s i ee x pl a i ns , " v i e wi ngt hef j or dsofNor wa yb yb oa t , t r a i n r i de st hr oug ht hemount a i nsf r om Os l ot oSt oc k hol m, a ndmor et r a i nr i de st hr oug h t hec ount r y s i def r om Swe de nt oDe nma r k . The r ewi l l b el ot sofe x pe r i e nc e si n b e t we e n. "
Thes t or yoft he i re ng a g e me nti sa suni q uea st he i rl o v e . J e s s i e , wi t hhe r di s c e r ni nge y ef ordi a monds , pl a y e da na c t i v er ol ei nde s i g ni nghe ro wn e ng a g e me ntr i ng . " I twa sa l wa y se v i de ntt ha tt hepr opos a l c oul dn' te v e rb ea s ur pr i s e , "s hel a ug hs . " Coul dy oui ma g i net hepr e s s ur eofc hoos i nga ne ng a g e me nt r i ngf ors ome onewhob uy sdi a mondsf oral i v i ng ? "
AsJ e s s i ea ndMi c ha e l e mb a r kont he i r ma r r i e dl i f e , t he i rs t or ys e r v e sa sar e mi nde rt ha t l o v e , a ti t smos tb e a ut i f ul , i sab l e ndofa ut he nt i c i t y , s ha r e de x pe r i e nc e s , a ndat ouc hoft heune x pe c t e d.
Ye t , Mi c ha e l , f oundawa yt os ur pr i s ehe r . Af t e rJ e s s i eb r oug hthe r
The i rwe ddi ng , ar us t i cy e tr e f i ne dc e l e b r a t i ona t
c us t omde s i g ne dr i nghomef r om wor k , e x pe c t i ngt owe a ri ti mme di a t e l y , Mi c ha e l
Ma pl eLa neFa r ms , wa sape r f e c tr e f l e c t i onoft he i r
c onc e a l e di t , pl a nni ngas ur pr i s epr opos a l i nt he i rs no wc o v e r e db a c k y a r d,
uni q ueb ond, at e s t a me ntt oal o v es t or yt ha t
i l l umi na t e db yaf i r epi ta ndt wi nk l i ngs t r i ngl i g ht s .
c ont i nue st ounf ol dwi t hg r a c ea ndj oy .
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F I NANCE
Budg e tChe c kUp: Ta xTi meI st heRi g htTi me Pr ov i de dbyRobe r t L a r a i a , RF C, F oundi ngPa r t ne r Nor t hs t a r We a l t hPa r t ne r s
E
v e r yy e a r , a b out1 4 0mi l l i onhous e hol dsf i l et he i rf e de r a l t a xr e t ur ns .
5 .Doi ngt heMa t h. I t ’ st i mef ort hemome ntoft r ut h. Sub t r a c t
Forma ny , t hepr oc e s si n v ol v e sdi g g i ngt hr oug hs hoeb o x e sorma ni l a
pr oj e c t e de x pe ns e sf r om e x pe c t e di nc ome . I fe x pe ns e se x c e e d
f ol de r sf ul l ofr e c e i pt s ; g a t he r i ngmor t g a g e , r e t i r e me nt , a nd
i nc ome , i tma yb ene c e s s a r yt oc ons i de rc ha ng e s . Pr i or i t i z ec a t e g or i e s
i n v e s t me nta c c ounts t a t e me nt s ; a ndr e l y i ngonc omput e rs of t wa r et o
a ndl ookt or e duc et hos ewi t ht hel o we s ti mpor t a nc eunt i l t heb udg e t
1
t a k ea d v a nt a g eofe v e r yt a xb r e a kt hec odepe r mi t s .
i sb a l a nc e d.
I ts e e msas ha menott oma k et hemos tofa l l t ha te f f or t .
6 .St i c k i ngt oI t . I fi t ’ snoti nt heb udg e t , don ’ ts pe ndi t . I fi t ’ sa n
Ta xpr e pa r a t i onma yb et heonl yt i meofy e a rma nyhous e hol ds
e me r g e nc y , ma k ea dj us t me nt se l s e whe r e .
g a t he ra l l t he i rf i na nc i a l i nf or ma t i oni nonepl a c e . Tha tma k e si ta pe r f e c tt i met ot a k eac r i t i c a l l ooka tho wmuc hmone yi sc omi ngi n
Ta xt i mec a npr o v i dea ne x c e l l e ntoppor t uni t y . Youha v eac ha nc et o
a ndwhe r ei t ’ sa l l g oi ng . I not he rwor ds , t hi si sag r e a tt i met og i v et he
g i v ey ourhous e hol db udg e tat hor oug hc he c k up . I nt a k i ngc ont r ol of
hous e hol db udg e tac he c k up .
y ourmone y , y ouma yf i ndy oua r ea b l et ode v ot emor eofi tt ot he pur s ui tofy ourf i na nc i a l g oa l s .
SI X STEPPROCESS At hor oug hb udg e tc he c k upi n v ol v e ss i xs t e ps .
Thec ont e nti sde v e l ope df r om s our c e sb e l i e v e dt ob epr o v i di nga c c ur a t e i nf or ma t i on. Thei nf or ma t i oni nt hi sma t e r i a l i snoti nt e nde da st a xorl e g a l
1 .Cr e a t i ngSomeCa t e g or i e s . St a r tb ydi v i di nge x pe ns e si nt ous e f ul
a d v i c e . I tma ynotb eus e df ort hepur pos eofa v oi di nga nyf e de r a l t a x
c a t e g or i e s . Somepos s i b i l i t i e s : home , a ut o , f ood, hous e hol d, de b t ,
pe na l t i e s . Pl e a s ec ons ul tl e g a l ort a xpr of e s s i ona l sf ors pe c i f i ci nf or ma t i on
c l ot he s , pe t s , e nt e r t a i nme nt , a ndc ha r i t y . Don ’ tf or g e ts a v i ng sa nd
r e g a r di ngy ouri ndi v i dua l s i t ua t i on. Thi sma t e r i a l wa sde v e l ope da nd
i n v e s t me nt s . I tma ya l s ob ehe l pf ul t oc r e a t es ub c a t e g or i e s . Hous i ng ,
pr oduc e db yFMGSui t et opr o v i dei nf or ma t i ononat opi ct ha tma yb eof
f ore x a mpl e , c a nb edi v i de di nt omor t g a g e , t a x e s , i ns ur a nc e , ut i l i t i e s ,
i nt e r e s t . FMGSui t ei snota f f i l i a t e dwi t ht hena me db r ok e r de a l e r , s t a t e or
a ndma i nt e na nc e .
SECr e g i s t e r e di n v e s t me nta d v i s or yf i r m. Theopi ni onse x pr e s s e da nd
2 .Fol l o wi ngt heMone y . Got hr oug ha l l t her e c e i pt sa nds t a t e me nt s g a t he r e dt opr e pa r et a x e sa ndg e tab e t t e runde r s t a ndi ngofwhe r et he
ma t e r i a l pr o v i de da r ef org e ne r a l i nf or ma t i on, a nds houl dnotb ec ons i de r e d as ol i c i t a t i onf ort hepur c ha s eors a l eofa nys e c ur i t y . Cop y r i g htFMGSui t e .
mone ywe ntl a s ty e a r . Tr a c ke v e r y t hi ng . Bea ss pe c i f i ca spos s i b l e , a nd don ’ tf or g e tt oa c c ountf ort hec os tofal a t t eont hewa yt ot heof f i c e
1 . I RS . g o v , 2 0 2 3
e a c hda y . 3 .Pr oj e c t i ngEx pe ns e sFor wa r d. Kno wi ngho wmuc hwa ss pe ntpe r
Robe r tL a r a i ama yber e a c he d
b udg e tc a t e g or yc a npr o v i deaus e f ul t e mpl a t ef orpr oj e c t i ngf ut ur e
a t860665 7 7 3 7or
e x pe ns e s . Got hr oug he a c hc a t e g or y . Ar ee x pe ns e sl i k e l yt or i s ei nt he c omi ngy e a r ?I fs o , b yho wmuc h?Ther e s ul t soft hi spr oj e c t i onwi l l f or mt heb a s i sofab udg e tf ort hec omi ngy e a r . 4 .De t e r mi ni ngEx pe c t e dI nc ome . Addt og e t he ra l l s our c e sof i nc ome . Ma k es ur et ous ene ti nc ome .
r l a r a i a @ns t a r wp. c om. www. na t a r wp. c om S e c ur i t i e sa nda dv i s or ys e r v i c e soffe r e dt hr ough L PLF i na nc i a l , ar e gi s t e r e di nv e s t me nta dv i s or , Me mbe rF I NRAS I PC
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TRAVEL CAMBODI AANDSOUTHVI ETNAM SERI ES
EXPLORI NG HANOI Af t e ral ongf l i g hta ndac ha nc et owa l ka r oundourhot e l , mys ma l l t r a v e l g r oup b e g a nourHa noi pr i v a t et our . Wewe r ewhi s k e da r oundt o wnt os e ehi g hl i g ht s . Af t e rade l i c i ousl unc hwi t hi nwa l k i ngdi s t a nc eofourhot e l , wewe r et a k e nt o ourf i r s ts t op , t heTr a nQua cPa g oda . Thi si st heol de s tBuddhi s tTe mpl ei nHa noi , ha v i ngb e e nb ui l ti n5 4 1AD. Lot usf l o we rs t a t ue sa r ee v e r y whe r ea nda r eas y mb ol ofe nl i g ht e nme nta nda c hi e v e me nt . Ther e d1 1 s t or ys t upai sa ni mpr e s s i v et o we r wi t ha r c hwa y shol di ngg e ms t ones t a t ue sofBuddha . The s es t a t ue sa r et he r et o r e mi ndt hemonk sa ndv i s i t or soft het e a c hi ng sa ndpa t ht oe nl i g ht e nme ntof Buddha . Thet e mpl ei si nWe s tLa k ea ndf or msi t so wnt i nype ni ns ul a . Thes e c onds t opwa st heTe mpl eofLi t e r a t ur e .Thi si sat e mpl ede di c a t e dt o Conf uc i usa ndwa st hef i r s tna t i ona l uni v e r s i t y , b e g i nni ngi n1 0 7 6 . Ont opofa n a r r a yoft ur t l e swe r ei ns c r i b e dpi l l a r sors t e l a e , whi c hr e c or de de x c e pt i ona l s t ude nt s a tt heuni v e r s i t y , a ndwhi c hIf oundf a s c i na t i ng . Af t e rwa l k i ngt hr oug ht heg a r de ns , wec a met oapl a c eofwor s hi pwhe r eac e r e monywa si npr og r e s si nwhi c ht e a c he r s we r eb e i ngb l e s s e d. I twa sal o v e l yv i s i t .
Ourl a s ts t opwa sHoaLoPr i s onMus e um. Thi swa sb ui l tb yt heFr e nc ht o i mpr i s onVi e t na me s er e v ol ut i ona r i e s . The r ei sas ma l l s e c t i onoft hemus e um de di c a t e dt oUSs ol di e r s . I ti sk no wnb yma nyi nt heUSAa st heHa noi Hi l t on whe r eSe na t orJ ohnMc Ca i na ndPe t ePe t e r s onwe r ei mpr i s one d. I ti s he a r t b r e a k i ng , b uts ome t hi ngIf e l tIha dt oe x pe r i e nc e . La t e rt ha te v e ni ngwewa l k e da r oundt hec i t y , t a k i ngi nt hes i g ht s , a ndpr a c t i c e d
Ont hes i de soft hepool a r et hemus i c i a ns– i ns t r ume nt a l i s t sa nds i ng e r swhot e l l t hes t or y . Me a nwhi l e , t hepuppe t e e r sa r ewa i s tde e pi nwa t e rus i ngl ongpol e st o mo v et hewoode npuppe t sa c r os st hewa t e r . Ast hepuppe t s
s k i m, da nc e , ordi v ea c r os st hewa t e rt ot het r a di t i ona l mus i c , l e s s onsa ndl a ug ht e ra r ea b unda nt . I twa sde l i g ht f ul Vi e t na me s ec ul t ur a l e x pe r i e nc e !
c r os s i ngt hes t r e e t st he r ea r ev i r t ua l l ynos t ops i g nsors t opl i g ht s ! Tr a f f i cc ompr i s e d ofmot ors c oot e r sa ndc a r t sc a nb es i xl i ne sde e pa ndy ouj us tha v et os t e pouti nt he s t r e e twhe r ey ouwa ntt oc r os s , a ndt hedr i v e r sdr i v ea r oundy ou. Thi si snotf ort he
L i s aMa r t i ni sat r a v e l
f a i nt of he a r ta ndonc ey oude c i det og o , y ouc a nnotc ha ng ey ourmi nd, b e c a us e
a dv i s or , l ux ur yc r ui s e
t ha twoul dma k ei tha r de rf ort hedr i v e r st oa nt i c i pa t ey ourc our s ea ndg i v et he ms t i l l
s pe c i a l i s t , ACC, Cr ui s e
l e s st i met or e a c t .
Pl a nne r s ; L a nda ndCr ui s e .
Thee v e ni nghi g hl i g htwa sg oi ngt ot heWa t e rPuppe tSho w. Wea t t e nde dt he Tha ngLongWa t e rPuppe tThe a t r et owa t c ht hea nc i e nta r tofwa t e rpuppe t r y . Wa t e rpuppe t r yha sb e e na r oundo v e r1 , 0 0 0y e a r sa ndt hes t or i e st he yt e l l s ha r et he c e l e b r a t i onoft hee ndoft her i c eha r v e s t , f e s t i v a l s , a ndofc our s et he ye nt e r t a i n.
S hema y bec ont a c t e da t ( 860)92 907 08; L i s a . ma r t i n@c r ui s e pl a nne r s . c om; T ot a l T r a v e l T oda y . c om
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Nowac c ept i ngor der sf or2 02 5 !
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4,No. 6,2025 wes thar t f or dmagaz i ne 2 4 | VoL.1
GARDENI NG
Ga r de ni ngTr e ndsf orSpr i ng Youmi g htb ef or g i v e ni fy out hi nkt ha tg a r de ni ngi snota
I fy ouha v es e e dst ha tma t c hupwi t hy ourg r o wi ng
“ t r e ndy ”a c t i v i t y . Butj us taq ui c kg l a nc ea ts oc i a l me di ai na
c ondi t i ons , Ia ms ur et ha ti twi l l wor kg r e a t . I fnot , f l i ng i ngs e e ds
g i v e ny e a rwoul dt e l l y out ha ty oua r emi s t a k e n. I nf a c t , t he r ei sa
ont os oi l i sdoomi ngt he mt or ot , notg r o wt h. Ac t ua l l y , ma y b e
r e por t , pub l i s he de a c hf a l l b yt heGa r de nMe di aGr oup , t ha tt r i e s
t ha ti saf or m ofc ha os .
t opr e di c tt het r e ndsf ort hef ol l o wi ngy e a r ! Andwhi l eIha v et o s a yt ha tIr a r e l ys e ema nyoft he m he r ei nourWe s tHa r t f or d
Anot he rt r e ndt ha t ’ sb e c omi ngpopul a r —a ndt hi sonei s
g a r de ns( Gr e c i a nI nf l ue nc e swa soner e c e nt l y , f ore x a mpl e . The
v e r ye a s yt ol i v ewi t h—i se di b l el a nds c a pi ng , whi c hi se di b l e
onl yGr e e ki nf l ue nc e si nmyg a r de nwe r emyhe r b s ! ) , Is t i l l r e a d
pl a nt si nc or por a t e di nt ot hel a nds c a pea sor na me nt a l pl a nt sor
t her e por te a c hy e a rwi t hi nt e r e s t .
c ont a i ne rpl a nt s .
So , t hi ss pr i ngIt houg hti tmi g htb ef unt ot a k eal ooka t
Br e e de r sha v edones omuc hwor konma k i nge di b l epl a nt s
wha ts omeoft hei nf l ue nc e r st hi nkt het r e ndsmi g htb e —a ndt o
notonl yd wa r f —s ot ha tt he yc a nf i ta l mos ta ny whe r ea ndi nt o
s e ei fwec a nus ea nyoft he mi nouro wng a r de ns .
a nyg a r de n—b uta l s or e a l l yb e a ut i f ul ! I t ’ sno wpos s i b l et o i nc or por a t eb e r r yb us he si nt of ounda t i onpl a nt i ng sa st r ul y
Onet r e ndIa ms e e i ngal oti s“ Cha osGa r de ni ng . ”Be f or e s oc i a l me di a , t hi swoul dha v eb e e nr e f e r r e dt oa s“ wi l df l o we r
or na me nt a l pl a nt sa ndt heb onusi st ha tt he yf r ui tf ory oua swe l l . The ya r ea l s of a b ul ousa sc ont a i ne rpl a nt s .
me a do wi nac a n. ”Soe v e r y t hi ngt ha t ’ sol di sne wa g a i n. Wi t hc ha osg a r de ni ng , y ous i mpl yt a k ea nys e e dsy ouha v e , s ha k et he mt og e t he ra nds c a t t e rt he m. Suppos e dl y , t her e s ul t sa r e mi r a c ul ous ! Ia m nots ur eho wma nyofy ouha v et r i e dt hi s , b ut wi l df l o we rme a do wi nac a nne v e rwor k e df ormef orv a r i ous r e a s ons —he a v yc l a ys oi l a ndt oomuc hs ha de . Ie x pe c tIwoul d ha v et hes a mer e s ul twi t hc ha osg a r de ni ngunl e s sIc a r e f ul l y s e l e c t e ds e e dst ha twoul dg r o wi nt hos ec ondi t i ons .
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It a l k e da b outhe r b sl a s tmont hs oIdon ’ twa ntt os pe ndal otoft i meont he ma g a i nb uthe r b sc a nb eag r e a tpa r t ofe di b l el a nds c a pi ng . Pa r s l e yi sal o v e l yor na me nt a l e di b l et ha tma k e sag r e a te dg i ngpl a nt . I t ’ sa l s og r e a tf or pol l i na t or st oo . Thy mec a nb eus e da sa“ s pi l l e r ”i nma nyofy ourc ont a i ne r sa nda g a i n, i tc ome si ns e v e r a l v a r i e g a t e dv a r i e t i e s . Edi b l es a g ec ome s i npur pl ea ndg ol de nv a r i e t i e sa swe l l a st her e g ul a rg r e e nf or m. Or , t hi nka b outpl a nt i ngdi f f e r e ntl e a fl e t t uc e sa sapr e t t ypa t c hwor kor e v e ni nal o wb o wl r i g htony ourpa t i ot a b l e —y ouc a nni b b l er i g htwhi l ey oug r i l l ! I fy oudon ’ tha v et i meors pa c ef orag a r de nb utwoul ds t i l l l i k eaf e wt oma t oe s , pe ppe r s , c uc umb e r sorb a s i l , t hene wl i neof “ Ki t c he nMi ni s ™”i sf ory ou.The s ea r ede s i g ne dt og r o wl i t e r a l l yony ourk i t c he nc ount e r t op( pr o v i de dt he r ei sl ot sofs unt he r e ! ) The ys ur e l ywi l l dog r e a tonapa t i oorde c ka swe l l ! Fi na l l y , onet r e ndt ha tIhopei sg oi ngt oc ont i nuet or e ma i nwi t hus( s ope r ha psi t ’ snots omuc hat r e nda sa ni nt e r e s t )i s c ont i nui ngc onc e r nf orourpl a ne t . Wes e et ha tr e f l e c t e di ns e v e r a l “ i nt e r e s t s ”t ha twe r eme nt i one d—s onoty e tq ui t et r e nds —f or2 0 2 5 . Amongt he ma r es ma r ti r r i g a t i on, s ome t hi ngt ha tIwi s hwewoul df i g ur eouthe r e . Ig e tr e a l l yt i r e dofs e e i ngl a wns pr i nk l e r sr unni ng i nt her a i n. Tha t ’ sde f i ni t e l ynotg oodf ort hel a wnort hee a r t h! Anot he ri s“ l o we rmo w”l a wna l t e r na t i v e s , whi c hi ss ome t hi ngt ha ta g a i ni snotv e r ypopul a rhe r e . Thi swoul di nc l udet hi ng sl i k e c l o v e rl a wns , a swe l l a spl a nt sl i k es e dg e s , a ndg r a s s e sl i k el o wmo wf e s c ue s . I nmyy a r d, whi c hi ss ha dya ndhe a v yc l a y , pa r tofour “ l o we rmo w”s t r a t e g yi st ol e tt hemos st a k eo v e rwhe r ei twa nt st ob ea ndt he nt hos ea r e a sa r enotmo wna ta l l . Andf i na l l y , It hi nkt ha tma nype opl ea r ei nt e r e s t e di nna t i v epl a nt sa ndpol l i na t orpl a nt s , a l t houg ht het woa r enotne c e s s a r i l y s y nony mous . Mos tna t i v epl a nt sa r et heb e s tpol l i na t orpl a nt s . ButIha v ea l s of oundt ha tourpol l i na t or swi l l a l s oa v a i l t he ms e l v e sof wha t e v e ri sb l oomi ngwhe nt he ya r ef l y i ng . Butt ha ti st hes ub j e c tofawhol edi f f e r e nta r t i c l e ! Forno w, Ihopey ouha v ee nj oy e dal ooka ts omene w—a ndma y b es omer e c y c l e di de a swi t hne wna me sf ors pr i ng .
Ha pp yGa r de ni ng !
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Ka r l aDa l l e y Ga r de nS pe c i a l i s t
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DI NI NG
We s tHa r t f or d’ sdi ni ngs c e nej us tg otavi br a ntupgr a dewi t hThe
Theme nui sac ul i na r ya dv e nt ur e ,t houg ht f ul l ydi vi de di nt oc hi l l e d,
La ur e l ,ne s t l e da tt hebus t l i ngc or ne rofEl mwood.Thi sne wr e s t a ur a nt
v e g e t a bl e ,s e a f ood,a ndme a ts e c t i ons .I tc a t e r st oawi der a ng eofdi e t a r y
wa sbor nf r om t hevi s i onofAs hl e yFl a g g ,c oowne ra nde xe c ut i v ec he f ,
pr e f e r e nc e s ,wi t ha bunda ntv e g a n,v e g e t a r i a n,a ndg l ut e nf r e eopt i ons .
( a s s i s t e dbye xe c ut i v es ousc he fJ e t z e lCr uz a nd)a ndhe rwi f eRe be ka h
St a ndoutdi s he si nc l udet hef l a v or f ulTof uKa j uMa s a l a ,t hec r i s py
Fl a g g ,c oowne ra ndg e ne r a lma na g e rTheLa ur e lof f e r sade l i g ht f ulme nu
Ka r a a g eChi c ke n,a ndac l a s s i cbur g e rwi t hat wi s t .Pr i c e sr a ng ef r om $ 10
of" g l oba l l yi ns pi r e d,l oc a l l ys our c e d,s ha r e a bl epl a t e s , "de f yi nge a s y
t o$ 45,e nc our a g i ngs ha r e ddi ni nga ndt hedi s c ov e r yofne wf a v or i t e s .
c a t e g or i z a t i on.Tr a ns f or mi ngt hebe l ov e dCor ne rPugs pa c e ,TheLa ur e l
Don ’ tmi s st hede s s e r tme nu,f e a t ur i ngwhi ms i c a lt r e a t sl i ket he
r e t a i nsawe l c omi nga mbi a nc ewhi l ei nt r oduc i ngaf r e s h,c ont e mpor a r y
" Unbi r t hda yCa ke . "
f e e l .
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Compl e me nt i ngt hef oodi sa ni nnov a t i v ec oc kt a i lme nuc r a f t e dbyMi c he l aZur s t a dt ,a l ong s i deac ur a t e ds e l e c t i onofl oc a lc r a f t be e r sa ndwi ne ss our c e df r om mi nor i t y-a ndf e ma l e owne dvi ne y a r ds .TheLa ur e le mpha s i z e sl oc a lpa r t ne r s hi ps ,s our c i ngi ngr e di e nt s f r om t r us t e dpur v e y or sl i keBe l l aBe l l aGour me ta ndSma l lSt a t ePr ovi s i ons .
Na me di nhonorofAs hl e y' sgr a ndmot he ra ndhe rl ov eofSpa ni s hc ui s i ne ,TheLa ur e lbl e ndsmode r na e s t he t i c swi t hnos t a l g i c t ouc he s .Ther e de s i g ne ds pa c ef e a t ur e se xpos e dbr i c k,f l or a lwa l l pa pe r ,a ndapl a yf ulpugpa i nt i ng ,pa yi nghoma g et oi t spr e de c e s s or .A pa t i oi spl a nne df orwa r me rmont hs ,a ndapr i v a t edi ni nga r e ai si nt hewor ks .
Ope nf ordi nne rThur s da yt hr oug hMonda y ,TheLa ur e lpr i or i t i z e st hewe l l be i ng ofi t ss t a f f ,c l os i ngonTue s da ysa ndWe dne s da ys .Fol l owt he i rj our ne yonI ns t a gr a m ( @t he l a ur e l c t )orvi s i tt he i rwe bs i t ef orr e s e r v a t i onsa ndat a s t eofg l oba lf l a v or swi t ha l oc a lhe a r t .
Ada pt e df r om a na r t i c l ewr i t t e nby RonniNe wt own,Ma na g i ngEdi t or ,we ha . c om
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MEN' SF ASHI ON
WhyWooli st heCool e s tChoi c ef or YourWa r mWe a t he rWe ddi ng
P
i c t ur et hi s : I t ’ sy ourb i gda y . Thes uni ss hi ni ng , l o v ei si nt hea i r ,
STY L I NGTI PSF ORWOOLWEDDI NGWEAR
a nds oi s . . . s we a tLot sofi t . Be c a us es ome onec on v i nc e dy out ha t wool i sonl yf orwi nt e r , a ndno wy ou' r es t uc ki nas t i f f ,
s t i f l i ngf a b r i ct ha t ’ st ur ni ngy ourdr e a m we ddi ngi nt oape r s ona l s a una . We l l , f r i e nds , we ’ r ehe r et ob us tt ha tmy t ha ndi nt r oduc ey out ot hema g i cof l i g ht we i g htwool —ag a me c ha ng e rf orwa r mwe a t he rwe ddi ng s .
WOOLI NTHESUMMER?Y ES, Y OUREADTHA TRI GHT .
Optf orl i g htc ol or s–Thi nks of tne ut r a l s , pa s t e l s , or e v e nc l a s s i cwhi t e s . Li g ht e rhue she l pr e f l e c ts unl i g ht , k e e pi ngy oue v e nc ool e r . Gof orr e l a x e dt a i l or i ng–Awe l l c utwool s ui tora f l o wywool l i ne ndr e s sg i v e sy our oom t ob r e a t hewhi l e s t i l l l ook i nge f f or t l e s s l yc hi c .
Le t ’ sg e tonet hi ngs t r a i g ht : nota l l wool i sc r e a t e de q ua l . Thet hi c k , s c r a t c hy s we a t e r sofy ourc hi l dhood?Nott hes a mea st heb r e e z y , l i g ht we i g htwool
Pa i rwi t ht her i g hta c c e s s or i e s–Br e a t ha b l ec ot t onor
g a r me nt sc r a f t e df ort hehe a t . Hi g hq ua l i t yopt i onsl i k et r opi c a l we i g htwool ,
l e a t he rs hoe s , al i ne npoc k e ts q ua r e , a nda
me r i nowool , a ndwool l i ne nb l e ndsa r es pe c i f i c a l l yde s i g ne dt ok e e py ou
we l l v e nt i l a t e dha tc a ne l e v a t ey ourl ookwhi l ea ddi ng
f e e l i ng( a ndl ook i ng )f r e s h, e v e nwhe nt e mpe r a t ur e sr i s e .
e x t r ac omf or t .
SO, WHATMAKESWOOLTHEMVPOFWEDDI NGF ABRI CS?
F I NALTHOUGHT S: COOL ,
Br e a t ha bi l i t y–Wool ’ sna t ur a l f i be r swi c kmoi s t ur ea wa yf r om t hebody ,
CONF I DENT , ANDWOOL CL AD
me a ni ngnos t i c ky ,c l i ng ydi s c omf or tunde rt hes un.I ns t e a doft r a ppi nghe a t
Wool i soneoft hemos tv e r s a t i l ea ndunde r r a t e d
l i kes ynt he t i c s ,wool wor kswi t hy ourbody ,ke e pi ngy ouc ool a nddr y .
f a b r i c sf orwa r mwe a t he rwe ddi ng s . I t ' st i meweg i v ei t
Wr i nkl e Re s i s t a nt–Unl i kel i ne n,whi c hc r umpl e sf a s t e rt ha nal ov el e t t e ri na r a i ns t or m,l i g ht we i g htwool ma i nt a i nsac r i s p ,pol i s he dl ooka l l da yl ong .So g oa he a d—t wi r l ,di p ,a ndda nc e .Yourout f i twi l l ke e pup . Odor Re s i s t a nt–We ddi ngj i t t e r s ?Swe a t ymome nt s ?Wool na t ur a l l yf i g ht s
t her e s pe c ti tde s e r v e s ! So , i fy ou' r epl a nni ngt o c e l e b r a t el o v eunde rt hes un, doy our s e l faf a v or —di t c h t hes we a t i nduc i ngs y nt he t i c sa nds a yy e st ol i g ht we i g ht wool . Yourf ut ur es e l f( a ndy ourwe ddi ngphot os )wi l l t ha nky ou.
odor c a us i ngba c t e r i a ,me a ni ngy ous t a yf r e s he v e na f t e rhour sofc e l e br a t i ng . Sus t a i na bi l i t y–Unl i kes ynt he t i cf a br i c st ha tc ont r i but et oe nv i r onme nt a l wa s t e ,wool i sbi ode g r a da bl e ,r e ne wa bl e ,a nde t hi c a l l ys our c e dwhe n pur c ha s e df r om r e s pons i bl ebr a nds .Awi nf ort hepl a ne ta ndy our we ddi ng da ys t yl e .
Ma t tBa ne v e r i sf ounde ra ndCE O ofBa r dCl ot hi ng i nWe s tHa r t f or d.
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