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.
(. . .continued on page 6)
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
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 NASHVILLE
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 18 - 24
| FILM FESTIVAL
A weeklong festival with hundreds of independent films! It is one of the largest film festivals in the Southern United States.The Nashville Film Festival features premium in-person screening events, incredible interactive audiences, and a myriad of accompanying special events including after parties, live music performances, panels and workshops. For more info visit: nashvillefilmfestival.org
SEPT 26 - 28 | GREEK FESTIVAL
Come experience our heritage for yourself and be a part of this year’s Nashville Greek Festival. For over three decades, the Greek Orthodox Christian community has opened its doors to host one of Nashville’s landmark cultural events, the Nashville Greek Festival. For more info visit: nashvillegreekfestival.com
OCTOBER
OCT 2- 5 | OKTOBERFEST
Oktoberfest has something for everyone! Delicious German foods from dozens of restaurants & vendors, world-class beer, tons of events, Arts & Crafts vendors, live German music, the Dachshund Derby, and the 2nd largest 5K Race & Run in Tennessee – plus so much more! For more info visit: thenashvilleoktoberfest.com
OCT 4 | CULTURAL FESTIVAL
A free event held the first Saturday in October at Centennial Park, it is Middle Tennessee’s largest multicultural festival and includes music and dance performances, ethnic food court, children’s area, teen area, and marketplace. For more info visit: celebratenashville.org
(. . .continued on page 14)
LOCAL EVENTS GUIDE NASHVILLE
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.
(. . .continued from 12)
OCT 18 | LIGHT THE NATIONS
The annual Light the Nations in West Nashville highlights the up-and-coming area by featuring local businesses, art, vendors, food trucks, and fantastic live entertainment. For more info visit: lightthenationsnashville.com
NOVEMBER
NOV 1 | TURNIP GREEN FESTIVAL
The Nashville Farmers’ Market is hosting their annual Turnip Green Festival. This free fall festival will celebrate all things turnip greens, including live music, Smiley’s famous cast iron cauldron of braised greens, Thanksgiving-themed vendor specials, a turnip green cook off, a kids’ zone, food trucks, fall produce and more! The event is free, and parking is also free!
For more info visit: https://tinyurl.com/37838ewt
NOV 22 - 24 | INDIGENASH FEST
IndigeNash aims to honor the invaluable contributions of Indigenous peoples while raising awareness of Nashville’s rich cultural fabric. This first-of-its-kind event for the city serves as a platform to celebrate and recognize the artistic and cultural contributions of Indigenous peoples, which have historically been vastly underrepresented and critically overlooked. IndigeNash is a step toward necessary social change and artistic inclusivity. For more info visit: https://tinyurl.com/3x7rvuy4
DECEMBER
DEC 1 - 30 | ZOOLUMINATION
Discover radiant displays where wildlife and wonder come together in a breathtaking celebration of light. With new designs and over a thousand lanterns, some 100 feet long and 50 feet high, this experience will delight all ages! For more info visit: https://tinyurl.com/mws9bk8b
(. . .continued on page 16)
LOCAL EVENTS GUIDE NASHVILLE
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.
(. . .continued from 14)
DEC 19 | WINTER FESTIVAL
The Winter Festival features Florida Style Snow, kiddie rides, local group performances, food, and arts and crafts. Make sure you have your camera ready for Pictures with Santa. For more info visit: https://tinyurl.com/5fabaj3h
JANUARY
JAN 16 - 18 | ELVIS WEEKEND
The Smoky Mountain Ultimate Elvis Weekend is held in Pigeon Forge, Tennessee at the Grand Smokies Resort Lodge and Event Center. Celebrating the life and music of Elvis Presley. Enjoy a variety of events including Elvis tribute artist performances, The Ultimate Elvis Tribute Artist Contest, and Elvis-themed activities. Experience the quaintness of Pigeon Forge and the beautiful Smoky Mountains while honoring the legacy of the King. For more info visit: https://tinyurl.com/252bps93
JAN 30 - 31 | CHOCOLATE FEST
Totally Delicious! ChocolateFest offers a day full of sweets and gifts from area chocolatiers, bakeries, restaurants, caterers, and various other non-food type vendors! Get the VIP treatment with a tasting ticket! For more info visit: mychocolatefest.com
FEBRUARY
FEB TBA | CHOCOLATE FEST
Take a stroll through Downtown Jonesborough and pick up delicious chocolate treats in celebration of Jonesborough’s Chocolate Fest. There will be chocolate stops dotted throughout downtown provided by Jonesborough small businesses, each serving something unique and special but of course, chocolate-themed. Attendees will discover endless options— everything from barks, fudges, truffles and so much more. For more info visit: https://tinyurl.com/bdhjfaeu
LOCAL EVENTS GUIDE NASHVILLE
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.
MARCH
MARCH 6 | WHISKY WARMER
Experience an unforgettable evening of great food, great company, and exceptional spirits at the 7th annual Memphis Whiskey Warmer. This elevated event is designed for whiskey aficionados and newcomers alike, with distillers pouring samples of premier whiskey, bourbon and scotch while providing education for those looking to learn more. For more info visit: https://tinyurl.com/mpaycs4m
APRIL
APRIL 11 | BEER FESTIVAL
Enjoy the annual East Nashville Beer Festival is Saturday Attendees can expect dozens of local and regional craft breweries, food trucks, and live music. For more info visit: eastnashvillebeerfest.com
APRIL 11 | CHERRY BLOSSOM FESTIVAL
Looking forward to seeing you at the Nashville Cherry Blossom Festival at Nashville Public Square Park! For more info visit: nashvillecherryblossomfestival.org
APRIL 18 | EARTH DAY FESTIVAL
Families and friends walk through Centennial Park each year for Earth Day. Music City’s FREE festival features live music and family-friendly booths hosted by community groups, environmental organizations, and government agencies. For more info visit: nashvilleearthday.org
APRIL 25 - 26 | ROCK ‘N’ ROLL NASHVILLE MARATHON
Marathon, half marathon, and 5k race held in April with runners from around the world. For more info visit: runrocknroll.com
LOCAL EVENTS GUIDE NASHVILLE
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 16 | ROSÉ
FEST
Pink isn’t just a color for wine. It’s a powerful statement supporting the Tennessee Breast Cancer Coalition! Help us raise funds for them while you sip on some rosé! We will have DJs spinning all day, live performance art, craft vendors, and delicious food trucks. For more info visit: nashvillerosefestival.com
JUNE
JUNE 4 - 7 | COUNTRY MUSIC FESTIVAL
CMA Fest is the longest-running Country Music festival in the world and your attendance allows CMA to give back! A portion of proceeds from CMA Fest will support the CMA Foundation and their mission to shape the next generation through high quality music education. For more info visit: cmafest.com
JULY
JULY 4 | LET FREEDOM SING!
Held every Fourth of July at Riverfront Park, featuring a street festival and live music, and culminating in one of the largest fireworks shows in the country. For more info visit: https://tinyurl.com/4n28rfth
AUGUST
AUG 13 - 22 | STATE FAIR
The State Fair is held in September at the State Fairgrounds, which lasts nine days and includes rides, exhibits, rodeos, tractor pulls, and numerous other shows and attractions. For more info visit: wilsoncountytnstatefair.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
BANANA DATE NUT BREAD
• 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
