With a long line of code what is the standard for breaking down

With a long line of code what is the standard for breaking down

Java code example:
public String toString() {
return (title + '\n' + border + '\n' + getEmpID() + " "
+ getLastName() + " " + getFirstName() + " "
+ getHours() + " " + getRate() + " " + getGross() + border);}
As you can see it's a long toString override.
Where is the standard place to break the line of code down into smaller
bits. Before the '+' after the '" "'? Help please! :)
Also, if you could show me how to properly place the {} that would be great.