










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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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
* 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
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 10 | Fleadh Festival
The Fleadh is the Philadelphia area’s biggest annual Irish-American Festival with multiple stages featuring live Celtic Rock, Traditional Irish music and dance, shopping, vendors, food, spirits, kids activities and more. Bring your dancing shoes to join the sessions with world renowned experts and jam with other like minded musicians. For more info visit: phillyfleadh.com
Mayfair Festival of The Arts is a multidisciplinary arts festival like visual arts, performing arts, garden arts, children’s art, and arts education. The event is planned to be held on Cedar Crest’s campus and to feature food and craft vendors, artists, music, and live performances. For more info visit: https://bit.ly/37HEVUD
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The Philadelphia Latino Film Festival showcases feature films, shorts, youth films, animations and documentaries by established and emerging Latino and Latin American filmmakers, screened in English or Spanish with subtitles. For more info visit: phlaff.org
In the southeastern frontier of Pennsylvania’s Pocono Mountain Range lies the small town of Wind Gap. Live music will be enjoyed all weekend alongside camping, jamming around campfires, Bluegrass Academy for Kids, workshops for all ages. For more info visit: windgapbluegrass.com
It’s time to break out the red, white and blue for Independence Day. It’s hard to pick what’s best about the Fourth of July – is it the picnic food, All-American spirit,
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.
or the fireworks? No matter what your favorite part is, fireworks are a classic. For more info visit: https://bit.ly/3uw0bGM
9 - 13 | FESTIVAL
The Central Pennsylvania Festival of the Arts is an art lover’s dream! Whether shopping for a unique gift, or looking for something for yourself, our Sidewalk Sale and Exhibition is the place to be. You’ll find over 300 of the country’s best artists selling a wide variety of fine art and fine craft. For more info visit: arts-festival.com
AUG 1 - 3 | DAS AWKSCHT FESCHT
With more than 2,500 cars, Lehigh Valley’s Das Awkscht Fescht is one of the country’s largest antique and classic car shows held at Macungie Memorial Park each summer. Celebrating more than 50 years, it has become a family tradition for all ages offering three
fun-packed days in the great outdoors. It’s fun for the whole family! For more info visit: awkscht.com
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The Northern Liberties 2nd Street Festival draws people to a sixblock stretch of North 2nd Street. All afternoon and into the night, a Philly-centric lineup of live bands plays across three stages. Guests find plenty of food and drink vendors providing an array of eats and drinks and merchandise vendors selling crafts, clothes and more! For more info visit: 2ndstfestival.org
Take a magical tour through time and legend at the Renaissance Festival..As you wander down the village streets and pathways, experience a A 16th Century Medieval Amusement Park! Ready thyself to revel with master revelers, watch artisans create original works of their ancient craft and be taken in by the tantalizing aromas of roast turkey legges, steak on a stake,
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.
fresh baked goods and much more For more info visit: pittsburghrenfest.com
The Chile Pepper Festival is held each year the weekend after Labor Day. This event is the largest of its kind anywhere in the United States and is host to chili pepper food, crafts, a Jalapeno eating contest, a salsa contest, a chile pepper field excursion and much more. Lots of variety in heat and food for everyone, expect fiery fun! For more info visit: pepperfestival.com
Mushroom lovers across the nation converge in historic Kennett Square each year on the weekend after Labor Day. Over past years, festival events have included the National Fried Mushroom Eating Championship, an Antique and Classic Car Show, a Mushroom 5k Run/2-mile Walk winding past lo-
cal mushroom farms, an Amateur Mushroom Cook-off and more! For more info visit: mushroomfestival.org
Since 1988 Celtic Cultural Alliance has been hosting the Celtic Classic Highland Games and Festival in Bethlehem each September. The goal of this dedicated group was to create an event that symbolized the Celtic spirit and history, and to provide the impetus for an organization that focused on promoting the Celtic culture. So come on down and enjoy a weekend full of Celtic Culture! For more info visit: celticfest.org
Catherine of Aragon, Anne Boleyn, Jane Seymour, Anne of Cleves, Catherine Howard, Katherine Parr. You know the names, and you may know how each of their marriages to a certain king came to an end, but these six women are
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.
far from just a historical footnote. In Six, the floor is theirs as they tell you what really went down in the court of Henry VIII. For more info visit: https://tinyurl.com/4w8nm2yx
Another event in Easton, this festival celebrates all things garlic with food and drinks. For more info visit: eastongarlicfest.com
Located in historic downtown Easton, PA Bacon Fest has grown into one of the region’s most popular events. Celebrate the event’s with 150+ vendors, 15+ musical acts, and two-days of all things bacon at this festival made for food lovers. For more info visit: pabaconfest.com
Join us as we share the holiday cheer and excitement of an authentic German Outdoor Christmas market! Christmas cakes, cookies, Brats (the kind you eat), Glühwein, Santa, and Christmas Carols. It’s the perfect place for grown-ups and the little ones to get in the spirit of Christmas! For more info visit: https://tinyurl.com/y99fhmf2
Get ready to make this New Year celebration un-peep-lievable at the SteelStacks campus! Join us for a sweet, family-friendly bash that will fill your day with joy and laughter! Experience the magic indoors and outdoors with activities and excitement that culminate in the iconic PEEPS® Chick drop. This massive, 400-pound, 4-foot9-inch chick will countdown to the New Year before a dazzling display of fireworks lights up the night sky both nights! For more info visit: https://tinyurl.com/m3vex9ws
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.
Jan TBA | COMEDY FESTIVAL
Join us for the annual SteelStacks Improv Comedy Festival! SteelStacks Improv Comedy Festival features teams from The Lehigh Valley, NYC, Baltimore, Boston, Toronto, and beyond. For more info visit: https://tinyurl.com/3s2krma2
The Philly Home Show is a vibrant marketplace where you can shop for home-related products and services, experience stunning displays to help inspire your next home project, connect with industry experts, and enjoy informative presentations from renowned local and international home professionals. For more info visit: phillyhomeandgarden.com
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The West End St. Patrick’s Day 5K is a Running race in Allentown, Pennsylvania consisting of a 5K. You’ll run the same course as the St. Patrick’s Day Parade and get cheered on by hundreds of people lining the streets and partying in their front yards. Then hang around after the awards for the Allentown St. Patrick’s Day Parade, the largest in the Lehigh Valley. For more info visit: westendstpats5k.com
* 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
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
• 3 ripe bananas mashed
• 2 eggs
• 1 stick butter
• 1 cup unbleached flour
• 1 cup whole wheat flour
• 1/2 cup shelled walnuts chopped
• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)
• 1 tsp baking soda
• 1/2 tsp salt
• 1 tsp vanilla extract
• Preheat the oven to 350 degrees
• Grease a 9x5x3 bread pan
• Cream butter and date mixture
• Add eggs one at a time, beating well
• Sift flour, baking soda, and salt and add to creamed mixture
• Fold in mashed bananas, vanilla and walnuts
• Pour mixture into the bread pan
• Bake for 50-60 minutes or until the toothpick comes out clean
• Cool for 10 minutes and then put on a rack
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!