TOP 10 WAYS TO PREPARE FOR RETIREMENT
Saving Matters! Remember
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.
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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
RAI $1,422,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAY 29 - JUN 1
JUN 5 - 8
JUN 12 - 15
JUN 19 - 22
JUN 26 - 29
JUL 3 - 6
JUL 10 - 13
JUL 10 - 13
JUL 17 - 20
JUL 17 - 20
Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN
Country Club • Oakmont, PA • USA
Championship + TPC River Highlands • Cromwell, CT • USA
Mortgage Classic Detroit Golf Club • Detroit, MI • USA
Deere Classic TPC Deere Run • Silvis, IL • USA
Renaissance Club • North Berwick • SCO
Championship Hurstbourne Country Club (Championship Course) • Louisville, KY • USA
Open Championship Royal Portrush Golf Club • Portrush • NIR
Championship Tahoe Mountain Club (Old Greenwood) • Truckee, CA • USA
JUL 24 - 27 3M Open
Twin Cities • Blaine, MN • USA
JUL 31 - AUG 3
Championship Sedgefield Country Club • Greensboro, NC • USA
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.
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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.
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA
LOCAL EVENTS GUIDE
CENTRAL FLORIDA
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 4 | INDEPENDENCE
DAY
Orlando is always sparkling with fireworks, but during the 4th of July weekend, it’s truly booming! Most theme parks and resorts hold their special events on July 3rd and 4th. For more info visit: https://bit.ly/3EGunmn
AUGUST
AUG
2
| TACOS & TEQUILA FEST
Tacos & Tequila celebrates the city’s tastiest, most delectable delight: TACOS! Sample and vote on your favorite tacos among competing food trucks, taco shops and restaurants! There will also be 30+ tequilas, mezcals and other tasty beverages to sample and plenty of cerveza to wash it down!
For more info visit: tacosandtequilaorlando.com
AUG 28 - 30 | FILM FESTIVAL
OUFF has the unique privilege of collaborating with the historic ZORA! Festival. During our fourday celebration, we will pay homage to Zora and those who have followed her direction and have become successful Afrofuturists in their own rights. Watch as African American film directors, producers, writers, actors, and actresses participate in creating films in the sci-fi world.For more info visit: orlandouff.com
SEPTEMBER
SEPT
1
- 30 | FOOD & WINE FEST
Sip, savor and celebrate a world full of flavor and fun during EPCOT International Food & Wine Festival. Discover an array of Global Marketplaces—festival-exclusive kiosks serving delectable dishes and specialty sips inspired by countries and cultures around the world. For more info visit: https://tinyurl.com/ywuy6rs9
LOCAL EVENTS GUIDE
CENTRAL FLORIDA
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 13 | BOOZE & BITES FEST
Enjoy this all you can drink and delicious bites for $5 or less! This Food Festival is taking place in Orlando FL! Come party with us! For more info visit: orlandoboozeandbitesfestival.com
SEPT 27 | OKTOBERFEST
Get ready to celebrate Oktoberfest like never before with the Official Oktoberfest Bar Crawl! Immerse yourself in the ultimate Oktoberfest party experience. Join fellow Oktoberfest lovers, party enthusiasts, and bar-hopping pros as we take over the best bars and venues. For more info visit: https://tinyurl.com/msczwnjr
OCTOBER
OCT 1 - 30 | HORROR NIGHTS
You never feel more alive than when you’re scared to death at Universal Orlando Halloween Horror Nights, The World’s Premier Halloween Event#. Face terrifying haunted houses, sinister scare zones, outrageous live entertain-
ment and some of Universal Studios’ most exhilarating attractions. For more info visit: halloweenhorrornights.com
OCT 11 - 12 | ART FESTIVAL
The Winter Park Chamber of Commerce is proud to host this annual art festival in October each year. The community-oriented sidewalk show presents quality visual art and live entertainment the whole family can enjoy. The festival is held in beautiful Central Park located along historic Park Avenue in downtown Winter Park. For more info visit: autumnartfestival.org
NOVEMBER
NOV 8 | CRAFT FAIR
Visit Downtown Avalon Park Orlando and enjoy the fall craft fair and have fun with arts and crafts and artisan vendors, brunch, mimosas, and more! For more info visit: https://tinyurl.com/395v29y2
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LOCAL EVENTS GUIDE CENTRAL FLORIDA
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 9 - 13 | CONVENTION OF CELEBRITY IMPERSONATORS
The greatest gathering of Celebrity Impersonators in the world. Enjoy over 3 hours of Professional Celebrity Impersonators from every music genre, plus stage and screen. For more info visit: sunburstconvention.com
DECEMBER
DEC 6 - 14 | RENAISSANCE
FEST
You are cordially invited to join us at Orlando Renaissance Festival! Here you will find exceptional entertainment for the whole family: interactive live performances, acrobatics, a game of chess, live music, and much much more. The vibrant marketplace is full of artisans and craftsmen with their unique wares. For more info visit: orlandorenaissancefestival.com
JANUARY
JAN 16 - 19 | PODFEST
Podfest Expo is a community of people who are interested in and passionate about sharing their voice and message with the world through the powerful mediums of audio and video. We’re proud to unite as many people as possible to learn, get inspired, and grow better together. For more info visit: podfestexpo.com
JAN 24 - 26 | FILM
FESTIVAL
Central Florida Film Festival is delighted to partner with Epic Theatres Mount Dora as the host venue for our annual festival! Featuring laser projection and electric reclining seating in all auditoriums, two Epic XL Large Format screens, and expanded concession options, this beautiful theater will assure your festival experience is the highest possible quality and comfort. For more info visit: centralfloridafilmfestival.com
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LOCAL EVENTS GUIDE
CENTRAL FLORIDA
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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FEBRUARY
FEB 1 | ARTS FESTIVAL
The annual Mount Dora Arts Festival held on the streets of historic downtown Mount Dora, Florida. Experience 300 fine artists lined along the streets to showcase a vast array of incredible talent in this juried event. There will be entertainment, beer, wine, cocktails, music and festival food to round out the amazing weekend. For more info visit: mountdoraart.com
FEB 13 - 22 | COUNTY FAIR
Get ready for thrills, fun, and tradition as the Osceola County Fair, hosted by KVLS, officially opens its gates. Running through February 23, the fair promises an action-packed opening weekend, featuring special gate promotions, thrilling competitions, live entertainment, livestock showcases, and, of course, all the delicious fair food you can handle. For more info visit: osceolacountyfair.com
FEB 19 - 22 | RODEO
One of Osceola County’s longest and most treasured traditions, the Silver Spurs Rodeo is hosted every third weekend in February and features all seven traditional rodeo events: bull riding, saddle bronc riding, bareback riding, steer wrestling, team roping, tie-down roping, and barrel racing. For more info visit: silverspursrodeo.com
MARCH
MARCH 1 - 8 | STATE FAIR
Join us to enjoy a midway featuring rides, games, food, live music and entertainment, animals, livestock exhibitions and competitive exhibits, and so much more. Come celebrate the community and make lifelong memories with your family and friends! For more info visit: centralfloridafair.com
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LOCAL EVENTS GUIDE CENTRAL FLORIDA
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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APRIL
APRIL 23 - 26 | SONGWRITERS FESTIVAL
The Annual Palm Coast Songwriters Festival will showcase more than thirty songwriters at various venues throughout the area for a weekend of melody and music. Join songwriters from across the country as they share the stories behind some of the most popular songs on the radio today. For more info visit: palmcoastsongwritersfestival.com
APRIL 25 - 26 | BLUEBERRY FEST
The Brooksville Blueberry Festival will have a range of activities to appeal to all members of the family including many food concessions. Enjoy Blueberry Lane, where you’ll find everything blueberry, including blueberry pies, blueberry jam , blueberry honey, blueberry plants as well as fresh picked blueberries. For more info visit: brooksvilleblueberryfestival.com
MAY
MAY 12 - 25 | ORLANDO FRINGE
Since 1992, Orlando Fringe has provided a space and opportunity for artists to emerge and showcase their talents and craft. The Orlando Fringe produces The Orlando International Fringe Theatre Festival, the longest-running Fringe in the United States, which strives to be unjuried, uncensored, accessible for artists and audiences alike, with 100% of ticket sales given back to the artists. For more info visit: orlandofringe.org
2026 GRAND SLAM TOURNAMENT SCHEDULE
2025 GRAND SLAM TOURNAMENT
SCHEDULE
* Schedule subject to change
MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’
JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single
JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single
JUN 07 - SAT 3:00 PM Final Women’s Single
JUN 08 - SUN 3:00 PM Final Gentlemen’s Single
DATE
2025 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round
JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round
JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round
JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round
JULY 8 - TUE 11:00 AM
JULY 9- WED 11:00 AM
JULY 10 - THU 1:00 PM
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals & Mixed Doubles Final
JULY 11 - FRI 1:00 PM Men's Singles Semifinals
JULY 12 - SAT 2:00 PM
JULY 13 - SUN 2:00 PM
Ladies' Singles Final & Men's Doubles Final
Men's Singles Final & Ladies’ Doubles Final
2025 GRAND SLAM TOURNAMENT SCHEDULE
TRAVELING TO ICELAND.
Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was
under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.
The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.
The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.
Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.
Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are
really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.
Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.
The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.
The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.
Caving is a popular and extraordinary experience. Because Iceland is one of the most active
and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are
rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.
- a place like no other!
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