TOP 10 WAYS TO PREPARE FOR RETIREMENT
Remember
Saving Matters!
Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.
FACTS
✔ Only about half of Americans have calculated how much they need to save for retirement.
✔ The average American spends roughly 20 years in retirement.
Putting money away for retirement is a habit we can all live with.
1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!
If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.
Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.
2. KNOW YOUR RETIREMENT NEEDS!
Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.
3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!
If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a
big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.
4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN!
If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.
5. CONSIDER BASIC INVESTMENT PRINCIPLES!
How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.
6. DON’T TOUCH YOUR RETIREMENT SAVINGS!
If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
7. ASK YOUR EMPLOYER TO START A PLAN!
If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.
8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!
You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on
inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.
9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!
On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.
10. ASK QUESTIONS!
While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.
Courtesy of US Dept. of Labor
2025 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
AUG 7 - 10
AUG 14 - 17
AUG 21 - 24
SEP 11 - 14
SEP 26 -28
OCT 2 - 5
OCT 9 - 12
OCT 23 - 26
NOV 6 - 9
NOV 13 - 16
DEC 4 - 7
DEC 12 - 14
FedEx St. Jude Championship TPC Southwind Memphis, TN • USA
BMW Championship Caves Valley Golf Club Owings Mills, MD • USA
TOUR Championship East Lake Golf Club Atlanta, GA • USA
Procore Championship Silverado Resort Napa, CA • USA
Ryder Cup Bethpage State Park (Black) Farmingdale, NY • USA
Sanderson Farms Championship
The Country Club of Jackson Jackson, MS • USA
Baycurrent Classic Yokohama Country Club Yokohama • JPN
Bank of Utah Championship
Black Desert Resort Ivins, UT • USA
World Wide Technology Championship El Cardonal at Diamante Los Cabos • MEX
Butterfield Bermuda Championship
Port Royal Golf Course Southampton • BER
Hero World Challenge
Albany GC Albany • BAH
Grant Thornton Invitational
Tiburón Golf Club
Naples, FL • USA
+ Signature Event
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
* Schedule subject to change
PREVIOUS WINNER
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
2025 LPGA TOURNAMENT SCHEDULE
LOCAL EVENTS GUIDE AUSTIN
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.
JULY
JULY
25
-
27 | GAME FEST
Enjoy 100,000+ square feet of retro video games and fun at the Palmer Events Center. Overlooking Lady Bird Lake and the downtown Austin skyline, the Palmer Events Center is conveniently located only a short walk from many hotels, restaurants, bus stops, and bike rental stations. For more info visit: classicgamefest.com
AUGUST
AUG 28 - 31 | THE FRONT FEST
From August 28 to August 31, The Front Festival will return to iconic venues across Austin, including The LINE Hotel Austin, The Contemporary Austin—Laguna Gloria and Cheer Up Charlies for four days of independent music and film. For more info visit: thefrontfest.com
SEPTEMBER
SEPT
7 | HOT SAUCE FEST
One of the largest and bestknown annual food events in Austin, this hot sauce competition is a major fundraiser for the Central Texas Food Bank and features hundreds of gallons of hot sauce along with cold beverages, tastings from local restaurants, live music, sauces for sale, and more. For more info visit: https://tinyurl.com/mwh4jv9j
SEPT 13 - 14 | PECAN STREET FESTIVAL
The Pecan Street Festival is one of the largest, and longest-running, arts & crafts and music festivals in the nation. The festival will feature 300 national artisan vendors, food concessions, 50 bands on three stages, a family friendly rides section and street performers. Enjoy a family friendly weekend to start off this fall season! For more info visit: pecanstreetfestival.org
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LOCAL EVENTS GUIDE AUSTIN
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.
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SEPT 18 - 25 | FILM FEST
Our merry band of misfits, muckrakers, and miscreants is making it’s way to Austin, TX, for an 8-day carnival of cinematic delights –Fantastic Fest is back! Reserve your badge today and prepare yourself for all the world-premiere films, unforgettable parties, and mind-blowing experiences that come with the greatest genre film festival on Earth! For more info visit: fantasticfest.com
OCTOBER
OCT 3 - 12 | AUSTIN CITY LIMITS
One of the country’s largest celebrations of music, this six-day festival includes 140+ musical acts over two weekends. For more info visit: aclfestival.com
OCT 18 | FOODIE FEST
Welcome to Austin’s Premier Food Fest showcasing local restaurants, local eateries, local cafes and local food trucks! This festival is all about food so please come hungry. Our festival will stretch
over 8 Hours with over 50 different participating vendors. Outside of food there will be plenty of fun including Live Music from some of Texas best bands! For more info visit: austinfoodiefest.com
OCT 25 - 26 | COFFEE FESTIVAL
Enjoy the best specialty roasters and coffee shops with unique beans, delicious snacks, and live entertainment, during this one-ofa-kind coffee culture experience. For more info visit: austincoffeefestival.com
NOVEMBER
NOV 7 - 9 | FOOD & WINE
From Central Texas favorites to the country’s top-rated purveyors, awaken your palate with delectable bites from iconic chefs and restaurants! Create the perfect pair when you sip from a wide selection of spirits, wines, and brews among views of the extraordinary Austin skyline.For more info visit: austinfoodandwinefestival.com
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LOCAL EVENTS GUIDE AUSTIN
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.
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NOV 8 - 9 | BOOK FESTIVAL
For almost three decades, Texas Book Festival has connected authors and readers through experiences that celebrate the culture of literacy, ideas, and imagination. Through our annual Festival and year-round statewide programs, we produce diverse, high-quality programming that brings readers together with the leading writers of our time. For more info visit: texasbookfestival.org
NOV 8 - 9 | CELTIC FESTIVAL
See Celtic dancing, hear Celtic music, and watch as strongmen compete in traditional Scottish Highland games in the heart of Texas at the Austin Celtic Festival. This unique event offers plenty of fun and activities for the whole family! For more info visit: austincelticfestival.com
DECEMBER
DEC TBA | TRAIL OF LIGHTS
Hosted by the Trail of Lights Foundation, the annual event in Zilker Park celebrates the unique spirit and people that make Austin the place we love to call home. The Austin Trail of Lights will be celebrating 60 years this December! For more info visit: austintrailoflights.org
DEC 13 - 21 | CHRISTMAS BAZAAR
For nearly 50 years, the Armadillo Christmas Bazaar has been Austin’s go-to winter arts fest, where holiday shopping, local art, and live music come together to create a one-of-a-kind holiday experience. This beloved Austin tradition invites visitors of all ages to explore nearly 200 artists showcasing their unique creations, from fine art to handmade gifts. For more info visit: armadillobazaar.com
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LOCAL EVENTS GUIDE AUSTIN
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.
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JANUARY
JAN 4 - 9
| MUSIC FESTIVAL
The 2026 festival is an opportunity for music makers to create, workshop, document and premiere original work in Austin, TX. Composers, festival alumni and solo musicians/groups/bands! For more info visit: https://tinyurl.com/3pb7x28u
FEBRUARY
FEB 1 | MLK CELEBRATION
The Annual Community March celebrates Dr. Martin Luther King’s legacy while uplifting diversity and multi-culturalism in our city. All businesses, non-profit organizations and individuals are invited to march and celebrate Dr. King’s legacy.For more info visit: mlkcelebration.com
FEB 15 | RUN AUSTIN!
You will be treated to a bucket list experience and some of Austin’s finest sightseeing! Enjoy miles of Austin’s unique neighborhoods, iconic landmarks, and be greeted by cheering crowds as you close in on the finish line in front of the Texas State Capitol on historic Congress Ave. For more info visit: youraustinmarathon.com
MARCH
MARCH 13 - 28 | RODEO AUSTIN
Rodeo Austin returns to the Travis County Expo Center March 2025 as a full-blown family affair, boasting a thrilling lineup of ProRodeo events, livestock shows, daily concerts, carnival attractions and much more. The must-attend Austin event takes place daily. For more info visit: rodeoaustin.com
LOCAL EVENTS GUIDE AUSTIN
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.
APRIL
APRIL
17 - 19 |
REGGAE FEST
A fundraiser for the Central Texas Food Bank, Reggae Fest features three days of reggae, world and dub talent, along with more than 50 vendors selling food and arts & crafts. For more info visit: austinreggaefest.com
MAY
MAY TBA | HOT LUCK FESTIVAL
The Hot Luck: Live Food & Music festival returns to honor the soul, sweat and DIY diversity of the food and music world. The festival is an eat-with-your-fingers picnic and party experience that highlights open-pit feats of culinary knowhow, and music in your ears that is as thoughtfully created as the food on your plate. Come hungry, thirsty, and bring your dancing boots. For more info visit: hotluckfest.com
MAY 28 - 31 | ATX TELEVISION FESTIVAL
ATX TV Festival is a one-of-a-kind festival experience, bringing TV fans & industry together to celebrate their favorite moments in TV as one community. Join us for deep-dives into how your favorite shows are made, revisit past favorites, and discover something new at “TV Camp for Grown Ups” in downtown Austin, TX. For more info visit: atxfestival.com
2026 GRAND SLAM TOURNAMENT SCHEDULE
DATE
2026 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
MAY 24 - SUN 12:00 PM First Round
MAY 24 - SUN 8:15 PM First Round
MAY 25 - MON 12:00 PM First Round
MAY 25 - MON 8:15 PM First Round
MAY 26 - TUE 12:00 PM First Round
MAY 26 - TUE 8:15 PM First Round
MAY 27 - WED 12:00 PM Second Round
MAY 27 - WED 8:15 PM Second Round
MAY 28 - THU 10:00 AM Second Round
MAY 28 - THU 8:15 PM Second Round
MAY 29 - FRI 12:00 PM Third Round
MAY 29 - FRI 8:15 PM Third Round
MAY 30 - SAT 12:00 PM Third Round
MAY 30 - SAT 8:15 PM Third Round
MAY 31 - SUN 12:00 PM Fourth Round
MAY 31 - SUN 8:15 PM Fourth Round
JUNE 1 - MON 12:00 PM Fourth Round
JUNE 1 - MON 8:15 PM Fourth Round
JUNE 2 - TUE 12:00 PM Quarterfinals
JUNE 2 - TUE 8:15 PM Quarterfinals
JUNE 3 - WED 12:00 PM Quarterfinals
JUNE 3 - WED 8:15 PM Quarterfinals
JUNE 4 - THUR 2:30 PM Ladies Semifinals
JUNE 5 - FRI 2:30 PM Mens Semifinals
JUNE 5 - FRI 8:15 PM Mens Semifinals
JUNE 6 - SAT 3:00 PM Ladies Singles Final, Mens Double Final
JUNE 7 - SUN 3:00 PM Mens Singles Final, Ladies Doubles Final
DATE
2026 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
JUNE 29 - MON 11:00 AM Men's & Ladies' 1st Round
JUNE 30 - TUE 11:00 AM Men's & Ladies' 1st Round
JULY 1 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 2 - THU 11:00 AM Men's & Ladies' 2rd Round
JULY 3 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 4 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 6 - MON 11:00 AM Men's & Ladies’ 4th Round
JULY 7- TUE 11:00 AM Ladies' and Gentlemen's Quarterfinals
JULY 8 - WED 11:00 AM Ladies’ and Gentlemen’s Quarterfinals
JULY 9 - THU 11:00 AM Ladies’ Semifinals
JULY 9 - THU 11:00 AM Gentlemen’s Semifinals
JULY 10 - FRI 11:00 AM Ladies’ Singles Final & Men’s Doubles and Mixed Doubles
JULY 11 - SAT 11:00 AM Gentlemen’s Singles Final & Ladies’ Doubles
2025 GRAND SLAM TOURNAMENT SCHEDULE
2025 DESIGN TRENDS
EACH YEAR BRINGS NEW TRENDS IN INTERIOR DESIGN & 2025 IS NO DIFFERENT.
As the world changes, needs and desires change. Interior design can enhance your home environment with new ideas. We want our homes to appeal to all our sensesSensorial design. Vivid colors, environmentally friendly materials and luxury comfort are a few of the current trends.
Colors such as reds, oranges, purples, and maroons will be popular. These are called lucky colors in some cultures.
Accordingly they attract wealth and business success. No more plain walls - wallpapered and colored ceilings as well as textured walls are back. In addition, bold patterns and textures add drama, depth and visual interest to your room. Ceiling treatments also create visual interest. Beams or a coffered ceiling bring texture, depth and character to plain surfaces. They also reduce noise and add a bit of elegance.
Earth tones such as terracotta, ochre, rust and sage are always popular as they reflect nature and create a calm environment that makes a space feel warm and welcoming. To add a little luxury to any space, use gold, bronze, copper or silver finishes with small touches.
Furniture tends to be comfortable and relaxed without sacrificing style. Oversized sofas, comfortable chairs, lounge chairs and even daybeds are popular again. Curved and rounded furniture as well as accent pieces will be popular. They work with either traditional or modern design.
Dark warmer wood tones are back after years of light wood. To change the look of a piece of furniture or cabinet, stain it a walnut hue. Mix in modern with traditional. Darker
tones bring a warm, grounded feeling.
Lighting is an important part of any design project. Consider a layered lighting scheme that incorporates a mixture of overhead lighting, floor and table lamps and sconces. Think of fixtures as art and jewelry for your home. Lighting helps create a functional and welcoming home. Be sure to use dimmable lights as that enhances the mood in any room.
Small changes can reinvigorate your home in keeping with the 2025 design. Paint a wall, wallpaper a bathroom ceiling, add a colorful rug to a neutral room. It’s all about enjoying your home and feeling comfortable.
Horseshoe
