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.
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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 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 LPGA TOURNAMENT SCHEDULE
LOCAL EVENTS GUIDE PALM BEACHES
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
Celebrate America’s Independence Day at the City of Fort Lauderdale’s free 4th of July Spectacular! The Independence Day Celebration will feature a patriotic extravaganza on and along Fort Lauderdale Beach featuring live bands, a kids zone, beach games, contests, family activities and a dazzling fireworks display. For more info visit: https://bit.ly/38pr2Os
JULY
10 -
20 | SHAKESPEARE BY THE SEA
Palm Beach County’s longest-running, summertime cultural tradition returns when The Palm Beach Shakespeare Festival and Palm Beach County Parks & Recreation present the Shakespeare by the Sea.For more info visit: pbshakespeare.org
AUGUST
AUG 16 | OKTOBERFEST
This event will teach you everything you need to know—how to sing, dance, drink, and celebrate like a pro, so you’ll be all set for the big event in just a few months! For more info visit: americangermanclub.org
AUG 23 | PICNIC FEST
Come join us for a FUN DAY of Karaoke, Delicious Food options such as; Conch & Rice, Lambchops, Corn On the Cob, Oxtails, Burgers & Fries, BBQ Ribs and Grilled Chicken! For more info visit: https://tinyurl.com/3h3ak4u6
LOCAL EVENTS GUIDE PALM BEACHES
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
1
- 30 | FLAVOR SOUTH FLORIDA
Flavor South Florida is a monthlong dining event established in 2007 to introduce diners to the vast array of restaurants. Offering dining deals from St. Lucie to Boca Raton during the month of September. For more info visit: flavorpb.com
OCTOBER
OCT
1
- 31 | FRIGHT NIGHTS
Fright Nights is the premier haunted house attraction in South Florida, bringing you bone chilling haunted houses, creepy characters, live entertainment, scare zones, and more! For more info visit: myfrightnights.com
OCT 10 - 12 | FOOD FESTIVAL
With over 40 food trucks and vendors serving gourmet dishes and sweet treats, and dozens of artisans showcasing handmade jewelry, art, and crafts, there’s
something for everyone! Enjoy a vibrant community atmosphere with activities for all ages! For more info visit: https://tinyurl.com/3u95ppkt
OCT 10 - 19 | OKTOBERFEST
One of the largest in the country. Two bands over the course of two weekends and one band we brought in from Munich! We offer authentic German cooking, domestic wine and imported beer, a carnival and much more. Mark your calendars for our annual Oktoberfest the second and third weekends of every October. We hope to see you there! For more info visit: oktoberfestflorida.com
NOVEMBER
NOV 7 - 9 | CARD SHOW
Located less than 2 miles from the beautiful beaches of West Palm Beach, and minutes from the Palm Beach International Airport, World Champion Sports Cards brings one of the largest card & collectible shows to the state of
LOCAL EVENTS GUIDE PALM BEACHES
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.
Florida. For more info visit: palmbeachcardshow.org
DECEMBER
DEC 6 | WINE, BEER, & SPIRITS
FEST
Enjoy a session at Huizenga Plaza with your favorite local brew, exotic wine & craft spirit. Guests will enjoy beer, wine and spirit samples for the session paired with live entertainment, food and interactive games. For more info visit: floridasummerfest.com
DEC 11 - 14 | FOOD & WINE FEST
This gastronomic experience hosts an unprecedented collection of talent for this four-day foodie festival. Residents and visitors alike will savor the many culinary creations, as master chefs mix, blend and create culinary magic in an unmatched resort destination. For more info visit: pbfoodwinefest.com
JANUARY
JAN 10 - 11 | FESTIVAL OF THE
ARTS
This juried art festival of hand-crafted artwork includes glass, photography, painting, mixed media, fiber, jewelry and much more. This much anticipated, premiere Delray Beach art festival showcases the fine art of hundreds of artists exhibiting and selling their work in an outdoor gallery. For more info visit: https://tinyurl.com/ced7ed8y
JAN 16 - 31 | SOUTH FLORIDA FAIR
Five stages of continuous entertainment await you every year during the South Florida Fair! The grounds attractions and educational shows in Yesteryear Village are sure to make your visit memorable. For more info visit: southfloridafair.com
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LOCAL EVENTS GUIDE PALM BEACHES
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 22)
FEBRUARY
FEB 13 - 15 | CRAFT SHOW
The prestigious Palm Beach Fine Craft Show makes its triumphant return to the Palm Beach County Convention Center. This elegant showcase features the nation’s top contemporary craft artists, offering their latest celebrated works in a comfortable, indoor setting. For more info visit: palmbeachfinecraft.com
FEB 7 - 28 | RENAISSANCE FEST
Travel back in time to the 16th century at the Annual Florida Renaissance Festival at Quiet Waters Park in Deerfield Beach. You’ll meet sword fighters, magicians, heroic knights and over 100 performers ready to entertain you. Feast on a cornucopia of food fit for a king or queen. Visit the Enchanted Artisan Marketplace where merchants will demonstrate and sell their wares - blown glass, wooden toys, unique pottery and more. For more info visit: ren-fest.com
MARCH
MARCH TBA | FESTIVAL OF THE ARTS
Come and enjoy this fantastic weekend of art, culture and entertainment! The Annual Festival Of The Arts will highlight some of America’s finest artisans and contemporary crafters. There will also be exciting performing arts events including fine dance, theatrical, and literary presentations. For more info visit: csfoa.org
MARCH 1 - 8 | ARTS FESTIVAL
Festival of the Arts BOCA is an extraordinary, multi-day cultural arts event bringing excitement and new experiences to The Palm Beaches. The event features of the world’s most sought-after classical and contemporary performers, as well as award-winning authors and speakers, cirque performances, story slams, and film screenings. If you needed any more proof The Palm Beaches are Florida’s Cultural Capital, Festival of the Arts BOCA is it! For more info visit: festivalboca.org
LOCAL EVENTS GUIDE PALM BEACHES
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.
APRIL
April TBA | Wine & Food Fest
Over 20 years ago the first Las Olas Wine & Food Festival took place to benefit the American Lung Association. Come together to enjoy the fantastic culinary talents of South Florida, while raising money for a good cause. You will sip, sample and enjoy dishes from 50+ of South Florida’s finest restaurants and more than 40 wineries and breweries and the event is infused with more fun and excitement.
For more info visit: lasolaswff.com
APRIL 26 | JAZZ FESTIVAL
The Palm Beach International Jazz Festival is a full, one-day music event which will feature highly acclaimed, award winning jazz artists. The festival will honor the many wonderful facets of jazz including the Great American Songbook, jazz standards, Bebop, Brazilian and Latin jazz. A true feast for the ears.
For more info visit: palmbeachinternationaljazzfestival.org
MAY
MAY TBA | SUNFEST
SunFest is a large waterfront music and art festival where people are hanging out with good friends, listening to good tunes. Exhibitor will showcase Florida’s largest waterfront music and art festival where people are Hanging out with good friends, listening to good tunes. For more info visit: sunfest.com
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
* 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!
