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
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAY 1 - 4
MAY 8 - 11
MAY 8 - 11
MAY 15 - 18
THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA
Championship
Hollow Club • Charlotte, NC • USA
MAY 22 - 25 Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA
MAY 29 - JUN 1 The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
JUN 5 - 8
RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN
JUN 12 - 15 U.S. Open Oakmont Country Club • Oakmont, PA • USA
JUN 19 - 22 Travelers Championship + TPC River Highlands • Cromwell, CT • USA
JUN 26 - 29
JUL 3 - 6
Mortgage Classic Detroit Golf Club • Detroit, MI • USA
John Deere Classic TPC Deere Run • Silvis, IL • USA
DECHAMBEAU $4,300,000
2025 LPGA TOURNAMENT SCHEDULE
LOCAL EVENTS GUIDE COLUMBUS
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.
MAY
MAY 1 - 4 | FILM FESTIVAL
In celebration of independent film and filmmakers, central Ohio’s premier cinemas and exhibition venues have joined forces creating the region’s grandest annual film event – a centerpiece of arts and culture in Columbus! For more info visit: cinemacolumbus.com
MAY 24 - 25 | TACO FEST
The annual Columbus Taco Fest returns next May with the best tacos, tequila, and Mexican beer you can find in the city. For more info visit: columbustacofest.com
JUNE
JUNE 6 - 8 | ARTS FESTIVAL
The Columbus Arts Festival has grown into one of the most highly acclaimed arts festivals in the nation. The event will feature over 200 visual artists, three stages of performances and dozens of food vendors. The Columbus Arts Festival attracts the nation’s top artists, as well as art enthusiasts from all
over the country. For more info visit: columbusartsfestival.org
JUNE 13 - 15 | BLUES & JAZZ FEST
The Creekside Blues & Jazz Festival gathers world famous groups and performers at a single place for you to enjoy the best blues and jazz in Ohio. For more info visit: creeksidebluesandjazz.com
JUNE 21 | COUNTRY SUPERFEST
Beer and Country Music never broke a Buckeye’s heart, so come on by and enjoy this day of both! For more info visit: buckeyecountrysuperfest.com
JULY
JULY 4 | INDEPENDENCE DAY
Celebrating the 4th of July is a big deal in Columbus! In addition to Red, White and Boom, which is one of the largest fireworks displays in the Midwest, there are so many July 4th celebrations, parades, and fireworks in Columbus
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LOCAL EVENTS GUIDE COLUMBUS
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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in early July. For more info visit: hotribscooljazz.org
JULY 18 - 20 | JAZZ & RIB FEST
Jazz & Rib Fest, presented by the Columbus Recreation and Parks Department, is a highly anticipated summertime tradition offering both jazz and rib connoisseurs the finest in music and barbecue. For more info visit: hotribscooljazz.org
JULY 23 - 30 | STATE FAIR
The Ohio State Fair is one of the largest state fairs in the United States. The annual event returns to Columbus, Ohio each year and features a range of exhibitions, activities and more. From food to thrilling rides and even a concert and event series.The Ohio State Fair has something for everyone! For more info visit: ohiostatefair.com
AUGUST
AUG 1 - 3 | IRISH FESTIVAL
The annual festival features a delicious array of cuisines from 50 of the best food trucks in Ohio. Alongside the tantalizing food offerings, guests can enjoy an impressive lineup of live music, explore a selection of handcrafted items from local artisans/crafters, and embark on a unique shopping adventure presented by local retailers. For more info visit: dublinirishfestival.org
AUG 16 - 17 | FOOD TRUCKS
The annual festival features a delicious array of cuisines from 50 of the best food trucks in Ohio. Alongside the tantalizing food offerings, guests can enjoy an impressive lineup of live music, explore a selection of handcrafted items from local artisans/crafters, and embark on a unique shopping adventure presented by local retailers. For more info visit: columbusfoodtruckfest.com
LOCAL EVENTS GUIDE COLUMBUS
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.
SEPTEMBER
SEPT 5 - 6 | HONEY FEST
Taking place in Lithopolis, celebrate all things honey and bee-related during National Honey Month. From honey bake-offs to perusing the arts and crafts booths, you’re sure to have a sweet time – and you might even see this year’s Honey Princess! For more info visit: lithopolishoneyfest.com
SEPT 5 - 7 | OKTOBERFEST
This community festival has been brewing up and serving smiles for 50+ years. There truly is something for everyone. Tasty food, lively music, bountiful brews, and games galore. The Columbus Oktoberfest has it all. For more info visit: columbusoktoberfest.com
OCTOBER
OCT 10 - 12 | ITALIAN FESTIVAL
In 1999 the Columbus Italian Festival was moved to its current home on the grounds of St. John The Baptist Italian Catholic Church. As
one of Columbus’ premier festivals it now annually attracts over 35,000 visitors. Each year on Columbus Day weekend the Italian community comes together in a 3 day celebration with the finest in food, entertainment and Italian culture. For more info visit: columbusitalianfestival.com
OCT 16 - 30 | ROCKY HORROR SHOW
Are you ready to shiver with antici… pation? Back on the mainstage for an exciting 6th year, we bring you your favorite fall tradition, The Rocky Horror Show live on stage! In this cult classic, sweethearts Brad and Janet, stuck with a flat tire during a storm, discover the eerie mansion of Dr. Frank-N-Furter. As their innocence is lost, Brad and Janet meet a houseful of wild characters, including a rocking biker and a creepy butler. For more info visit: https://tinyurl.com/4ucybhhu
LOCAL EVENTS GUIDE COLUMBUS
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.
OCT
17 - 18 | FILM, AUTHOR, & PHOTOGRAPHY
FESTIVAL
The Columbus Film, Author, and Photography Festival (CFAP Festival) encourages and supports the growing number of people in the film, author and photography world. This festival aims to reward the accomplishments of like-minded artists who aim to create interesting content. For more info visit: columbusfapfestival.com
NOVEMBER
NOV
22
- 23 | CHRISTMASFAIR
ChristmasFair is a holiday market featuring 150 artists and crafters with unique, handcrafted items…. pottery, folk art, paintings, stained glass, jewelry, photography and much, much more. It’s the perfect place to find unique, made in America gifts and items for your home. For more info visit: christmasfairartsandcrafts.com
DECEMBER
DEC 1 - 30 | WINTERFEST
Winterfest, the festival that earned Portsmouth’s designation as a Hallmark Hometown Christmas Town, runs from Thanksgiving to New Year’s! Get ready to step into a winter wonderland where the festive spirit comes alive in every corner. Glide gracefully on our enchanting ice skating rink, peruse the charming craft vendors for that perfect holiday gift, and indulge your taste buds at our delightful food trucks. With live music setting the scene and cozy carriage rides whisking you through the twinkling lights, it’s a merry extravaganza for all ages. For more info visit: https://tinyurl.com/5n7xwrnk
DEC
11
- 28 | THE NUTCRACKER
Treat your family to the enchanting confections of costuming, sets, and blissful choreography in Clara’s dreamy journey through BalletMet’s The Nutcracker—absolutely delightful and delectable in every way. Inspired by the sounds
LOCAL EVENTS GUIDE COLUMBUS
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.
of Tchaikovsky, artists deliver a heartwarming classic holiday story that is a feast for the eyes and ears.For more info visit: https://bit.ly/3g2pkX3
JANUARY
JAN 6 - 11 | BACK TO THE FUTURE
Great Scott! Back to the Future, the beloved, cinematic classic is now a Broadway musical with its destination set for Columbus. For more info visit: https://tinyurl.com/ye2668wh
FEBRUARY
FEB TBA | HOME & GARDEN SHOW
Spring will be here eventually, so it’s a great time to start planning your projects for home and garden! The show features home and garden expertise from local gurus and craftsmen; how-to sessions and demonstrations; fun for the kids; giveaways; celebrity appearances and much more. For more info visit: https://bit.ly/3RN6U9T
MARCH
MARCH 5 - 8 | SPORTS FESTIVAL
The nation’s largest multi-sport festival brings 10,000+ athletes from 80+ nations to Columbus to compete in 50+ sports ranging from bodybuilding to equestrian. For more info visit: arnoldsports.com
APRIL
APRIL TBA | CHERRY BLOSSOM FESTIVAL
Join Central Ohio to celebrate the spectacular blossoms of more than 100 cherry trees in Franklin Park — 20 gifted from Japan during the 2012 Columbus Bicentennial Celebration and 82 planted by the Columbus Recreation and Parks Department and the International Voluntary Organizations.Enjoy the spectacular views of more than 100 blooming cherry trees along with live entertainment, demonstrations, games and more. For more info visit: ivocolumbusoh.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 MAY 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
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 * Schedule subject to change
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!
