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.
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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
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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 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.
2025 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
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
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
2025 LPGA TOURNAMENT SCHEDULE
SEP 11 - 14
SEP 19 - 21
OCT 1 - 4
-
NOV 6 - 9
NW Ark Championship presented by P&G Rogers, AR | Pinnacle Country Club
Championship presented by Hoakalei Ewa Beach, Oahu, HI | Hoakalei Country Club
LOCAL EVENTS GUIDE INDIANAPOLIS
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
4 - 6 | OKTOBERFEST
The German American Klub Indianapolis Presents the 51st Annual Indianapolis Oktoberfest Oktoberfest Festbier! Exclusively on draft at the Indianapolis German American Klub’s Oktoberfest, a hallmark fixture of Oktoberfest in Munich. Deep golden color, full-bodied and wonderfully mellow, with a balanced harmonious taste and the pleasant fragrance of hop. For more info visit: https://tinyurl.com/yaxsn699
SEPT 27 - 28 | ARTS FESTIVAL
The Carmel International Arts Festival mission is Educating the Community Through the Arts. This mission is carried out through a festival held during the last weekend of September in the Arts and Design District of Carmel, Indiana. The Carmel and greater Indianapolis communities are treated to the finest samplings to purchase and take home. For more info visit: carmelartsfestival.org
OCTOBER
OCT 18 | CHICKEN & BEER FEST
The event features a delicious food lineup, top-tier restaurants and up-and-coming chefs, our highly anticipated “Hot Wing Challenge” competition, and a curated music lineup. It’s a full day of food, friends, and good times! For more info visit: chickenandbeerindy.com
OCT 18 - 25 | HALLOWEEN FEST
The Historic Irvington Halloween Festival has brought together thousands of residents, dozens of neighborhood organizations, and countless Eastside businesses in a fun-filled celebration of our heritage and community. The festival and its associated events are designed to bring awareness to the community, to bring commerce to local businesses and sponsors, and to provide fun for the children of Irvington and Indianapolis. For more info visit: irvingtonhalloween.com
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LOCAL EVENTS GUIDE INDIANAPOLIS
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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NOVEMBER
NOV 8 | MONUMENTAL MARATHON
One of the 15 largest marathons in the US, the CNO Financial Indianapolis Monumental Marathon is also Indiana’s largest marathon and ideal for everyone from first timers to elite athletes. Start and finish at the Indiana State Capitol, then follow a course through landmarks and historical neighborhoods. Race weekend is full of events for the entire family. For more info visit: monumentalmarathon.com
NOV 21 - 30 | WINTERLIGHTS
Expect the return of the Landscape of Light on the Lilly House lawn, in which the bulbs are synced to a soundtrack recorded by the Indianapolis Symphony Orchestra. Visitors will also be able to see a giant ornament and Color Blossoms that illuminate the woods by the old interurban railway trail on Newfields’ outdoor campus. For more info visit: https://tinyurl.com/mrxf7xem
DECEMBER
DEC 1 - 24 | CHRISTMAS CARNIVAL
Don’t miss the chance to meet characters like the mischievous Holiday Meanie and Santa Claus for unforgettable photo opportunities. Join us for a joyous celebration, blending the wonder of the season with thrilling attractions at the Indiana Christmas Carnival – where memories are made, and holiday magic comes to life. For more info visit: indychristmascarnival.com
DEC 1 - 30 | FESTIVAL OF TREES
This year’s Festival of Trees will feature a winter wonderland of more than 80 trees representing individuals, families and companies from around Indiana. The seven-week annual holiday extravaganza includes special programs and enhanced dining and shopping options. For more info visit: https://tinyurl.com/mustnezk
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LOCAL EVENTS GUIDE INDIANAPOLIS
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 27 - 30 | COME & GONE
This powerful story from a beloved Pulitzer Prize–winning playwright is an American masterpiece. At a Pittsburgh boarding house in 1911, descendants of the formerly enslaved have come North seeking new jobs, new lives, and new beginnings. In this story of spiritual and emotional resurrection, Herald Loomis arrives in search of his lost wife. Haunted by the past, he must regain a sense of his own identity. For more info visit: https://tinyurl.com/ymcsw76r
FEBRUARY
FEB TBA | LUNAR NEW YEAR
Enjoy a stage performance featuring Chinese-American performing arts that include traditional Chinese-American style lion dance, traditional dance, traditional Chinese orchestra music, and Tai Chi exercise presentations. Cultural vendors will also be present to share interactive experiences with attendees. For more info visit: https://tinyurl.com/yttdcesb
MARCH
MARCH 26 - 28 | ALL NATIONAL
FESTIVAL
The Music for All National Festival is a non-competitive music festival held in Indianapolis, Indiana each spring. The festival celebrates the best middle and high school music ensembles in the United States. For more info visit: festival.musicforall.org
APRIL
APRIL 25 | ROCK THE BLOCK
Rock the Block is a 10K (timed), 5K walk/run (family-friendly), and a free Kids Run. The event includes scenic courses, food, music, vendors, awards and giveaways-guaranteeing fun for everyone! For more info visit: rocktheblockrun.org
MAY
MAY 1 - 24 | 500 FESTIVAL
500 Festival For over six decades, the 500 Festival has shown commitment and excellence in our community. Every year, 500,000
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LOCAL EVENTS GUIDE INDIANAPOLIS
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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Hoosiers and visitors participate in many festival activities throughout the Month of May and beyond. These events and programs cater to all people, including individuals who run or walk the Mini-Marathon or 5K, fourth-grade students who take part in the Education Program, families who come to enjoy the state’s largest festival for kids, and spectators who are left in awe by one of the nation’s premier parades. For more info visit: 500festival.com
MAY 16 | PEONY FESTIVAL
Mark your calendars! The festival is FREE and open to the public! We have a variety of additional events happening during Festival weekend. From Brunch and Blooms to Peonies in the Park, there’s something for everyone and we invite you to join us and experience it all! For more info visit: indianapeonyfestival.com
JUNE
JUNE 11 | STRAWBERRY FESTIVAL
Every year on the second Thursday of June The Cathedral Women of Christ Church Cathedral holds our annual Strawberry Festival. Over 300 volunteers will come help serve strawberries, ice cream, and homemade shortcakes. For more info visit: indystrawberryfestival.org
JUNE 20 - 21 | STREET FAIR
As one of the top art shows in the US, and Indiana’s oldest juried art fair, Talbot Street Art Fair, located on Talbott Street in the picturesque district of Herron Morton neighborhood, located in downtown Indianapolis, Indiana, prides itself on showcasing the best in craftsmanship & artistry, all while being one of the only admission-free juried art fairs in the state! For more info visit: albotstreet.org
LOCAL EVENTS GUIDE INDIANAPOLIS
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
Independence Day in Indy is serious business. We have the largest collection of monuments and memorials outside of Washington, DC, an extended home stand with the Indianapolis Indians baseball team which includes fireworks at Victory Field after each game, the Star-Spangled Symphony at Conner Prairie, an ice cream social and naturalization ceremony, and a massive fireworks display launched right from the heart of downtown.
For more info visit: https://tinyurl.com/y63hpw6h
JULY 25 - 26 | BRICKYARD WEEKEND
The top young stars of the future in NASCAR will take on some of the biggest names in the sport in the Pennzoil 250. See who will “Kiss the Bricks” in one of the biggest races of the NASCAR O’Reilly Auto Parts Series!
For more info visit: https://tinyurl.com/bdapnf35
AUGUST
AUG 7 - 23 | STATE FAIR
For nearly three weeks each summer, we turn our minds toward celebrating Indiana’s agricultural roots, meeting a variety of farm animals from the world’s largest hogs to baby chicks, hopping on daredevil rides, playing games to take home stuffed animals larger than we are, catching free concerts, and indulging in fair delicacies like pickle pizza, everything at the Dairy Bar, and deep fried ANYTHING. For more info visit: indianastatefair.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
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!
