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 PORTLAND
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 2 - 5 | CINCO DE MAYO
For more than 30 years, the Portland Guadalajara Sister City Association has hosted a Cinco de Mayo Fiesta that has become one of the largest multicultural celebrations in Oregon. The fiesta boasts three full days packed with festivities and culturally immersive programming at Tom McCall Waterfront Park in downtown Portland. During the event, festival-goers can experience the spirit of Mexico through music, arts, dance and sport. For more info visit: cincodemayoportland.com
MAY 16 - 17 | UFO FESTIVAL
More than 70 years ago, the tiny town of McMinnville was struck with UFO fever when a local family spotted a flying disc from their farm, making national news. 50 years later, in 1999, the fever descended again with the very first UFO Festival. Today you can celebrate all things extraterrestrial with other enthusiasts during days full of parades, costume contests,
expert speakers and family fun! For more info visit: ufofest.com
JUNE
JUNE 27 - 28 | MIDSUMMER FEST
Decorate the Maypole and make flower crowns, watch two stages of live music and performers, indulge in Nordic summer delicacies, play games and make crafts, shop vendors, experience Vikings, and enjoy - this is Midsummer! For more info visit: oregonmidsummer.com
JULY
JULY 4 | INDEPENDENCE DAY
The annual Independence Day celebrations in Portland offer an array of great activities and events. Thousands of Portland residents and guests flock downtown to the Waterfront Blues Festival, while many families opt to get out of the city to enjoy local celebrations in St. Paul, Fort Vancouver, and the wine country. Find the perfect way
LOCAL EVENTS GUIDE PORTLAND
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.
to spend America’s Birthday! For more info visit: https://bit.ly/3soF22T
AUGUST
AUG 2 | JAZZ FESTIVAL
The Vanport Jazz Festival honors the city of Vanport and the voices that formed Portland’s jazz community. Near the site of the historic 1948 flood, the event transforms Colwood Golf Course into a cultural revival, welcoming nationally renowned artists and breathing new life into Portland jazz. For more info visit: vanportjazzfestival.com
SEPTEMBER
SEPT 11 - 14 | OKTOBERFEST
Go full Bavarian this Oktoberfest; German and Northwest craft brews are accompanied by plenty of sausages and, naturally, wiener dog races, all in a quaint town 40 miles (64 km) south of Portland. For more info visit: oktoberfest.org
SEPT
27 | THE WEDGE
The Wedge is a farmers market-style festival celebrating cheese and everything that goes with it. Sample and purchase local, artisan cheese, specialty foods, wine, spirits, and cider. For more info visit: thewedgeportland.com
OCTOBER
OCT 1 - 5 | FILM FESTIVAL
Portland Film Festival is a non-profit organization dedicated to nurturing filmmakers and audiences and celebrating the power of a good story. The festival focuses on the people, ideas, technology, skills and artistry behind filmmaking and provides entertainment and educational opportunities to the public. The festival stands by the belief in equity for everyone, regardless of background, socioeconomic means or physical ability. For more info visit: portlandfilm.org
LOCAL EVENTS GUIDE PORTLAND
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 11)
OCT 3 - 5 | GREEK FEST
Dedicated to preserving and sharing the Hellenic-American experience in Oregon and Southwest Washington, HACCM celebrates the rich cultural traditions brought to this region by the Hellenes, immigrants from Greece. For more info visit: portlandgreekfestival.com
NOVEMBER
NOV 8 | BOOK FESTIVAL
Founded in 2005 by local writer Larry Colton and renamed in 2018, the annual festival always featured an impressive lineup of local and national authors and a book fair. For more info visit: https://tinyurl.com/hnep3ysz
DECEMBER
DEC 1 - 30 | FESTIVAL OF LIGHTS
Presenting the sights, sounds, and sensations of the season! The Grotto’s Christmas Festival of Lights features over two million lights and is the largest Christmas choral festival in the world. Grab your
hot coco and enjoy the lights with your loved ones. For more info visit: https://bit.ly/321OopV
JANUARY
JAN 15 - 18 | MUSIC GATHERING
The Portland Oregon Old-Time Music Gathering is a grassroots volunteer-run festival that aims to celebrate and enrich the community of traditional old-time Appalachian style stringband musicians. We wish to create an environment where the music is as meaningful as it is when we gather to swap tunes and play in a friend’s living room or meet to play at a campsite during a summer festival. For more info visit: https://tinyurl.com/4m6ec2ac
JAN 30 - 31 | FOLK FESTIVAL
Portland’s Folk Festival began as a way for Portland musicians to come together to celebrate the burgeoning local scene and enjoy each other’s craft. The energy exudes from the stage that has been marinated in decades of iconic
LOCAL EVENTS GUIDE PORTLAND
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.
artists creating an atmosphere that feels oddly transcendent. We continue hosting this festival for the same reason we started, to bring the Portland music community together to recognize and praise each other; to build community and shower each other with appreciation. For more info visit: portlandsfolkfestival.com
FEBRUARY
FEB 19 - 22 | SEAFOOD & WINE FESTIVAL
The Newport Seafood and Wine Festival is “The Original and Still the Best” located on the picturesque Oregon Coast. Experience a Seafood & Wine pairing you won’t soon forget. Renowned Chefs will prepare signature seafood dishes that will pair perfectly with distinct wines. For more info visit: The Newport Seafood and Wine Festival is “The Original and Still the Best” located on the picturesque Oregon Coast. For more info visit: https://tinyurl.com/76n4tedc
MARCH
MARCH TBA | SEAFOOD FEST
Enjoy fresh Oregon seafood as well as wine, craft beers, cider, and distilled spirits as you browse the myriad of exhibitors. Over 30 of Oregon’s finest wineries offer you tastings of their very best. This is a family-friendly event. Live entertainment, face painters, balloon artists, and so much more. For more info visit: pdxseafoodandwinefestival.com
APRIL
APRIL TBA | TULIP FESTIVAL
Grab your wooden clogs for a stroll through the tulips. The Wooden Shoe Tulip Festival blossoms each spring, drawing many to come see acres upon acres of tulips in full bloom. For more info visit: woodenshoe.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
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!
Carpet MD & Breathe Right
Duct Cleaning .................... Front Cover, Back Cover
Nyberg Acupuncture & Wellness .................12-13
Carpet
