SACRAMENTO CALIFORNIA | VOL. 8
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 NO!
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
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
APR 24 - 27
MAY 1 - 4
MAY 8 - 11
MAY 8 - 11
MAY 15 - 18
MAY 22 - 25
MAY 29 - JUN 1
* Schedule subject to change
Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA
Corales Puntacana Championship
Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
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
PENDRITH $1,710,000
PGA Championship Quail Hollow Club • Charlotte, NC • USA XANDER SCHAUFFELE $3,330,000
Charles Schwab Challenge
Colonial Country Club • Fort Worth, TX • USA DAVIS RILEY $1,638,000
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
+ Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
SCHEFFLER $4,000,000
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA TOURNAMENT
LOCAL EVENTS GUIDE SACRAMENTO
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 12 | SCANDINAVIAN FEST
Come join us, once again, for the Annual Sacramento Scandinavian Festival! The festival features Scandinavian food, baked goods, and merchandise for sale. Viking reenactors will be present with interactive activities for the whole family and there will be crafts for the young ones and the young at heart. Come gather information about the Nordic countries and enjoy music, entertainment, and door prizes! For more info visit: https://bit.ly/3MwSEA7
APRIL 26 | BOCKBIERFEST
Join us for the Annual Bockbierfest for Sacramento’s one and only authentic celebration of spring! Savor rich, malty bockbier, sway to traditional music, and immerse yourself in the vibrant atmosphere. Dust off your Lederhosen or Dirndl and prepare for an unforgettable evening. For more info visit: https://tinyurl.com/2s394auy
MAY
MAY 3 | HONEY FESTIVAL
Save the bees! Historic Downtown Woodland is abuzz during the bee-centric California Honey Festival. Learn about bees and pollinators as you sip on honey beers and mixed drinks from local breweries and enjoy tasty honey creations on local restaurant menus throughout the week. It’s a chance to get the community educated about honeybees and the issues they face in our world today. For more info visit: californiahoneyfestival.com
MAY 22 - 26 | COUNTY FAIR
This traditional event brings the county to the city. A family friendly event with farm animals, carnival, food, shopping, and lots of free stuff for the family. The Sacramento County Fair is the Memorial Day destination for affordable fun! For more info visit: sacfair.com
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LOCAL EVENTS GUIDE SACRAMENTO
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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JUNE
JUNE 26 - 29 | COUNTY FAIR
Placer County Fair will bring families back to a fun place unlike any other with carnival games and rides, tasty and unique foods, and entertainment for all ages. For more info visit: placercountyfair.org
JULY
JULY 4 | INDEPENDENCE DAY
Also called the Fourth of July, Independence Day is a national holiday that celebrates America’s declared independence from Great Britain on July 4, 1776. American cities across the country celebrate by hosting festivals, parades, and, most importantly, fireworks shows. Schools are closed and most people have the day off. Many people schedule picnics and other get-togethers on this day. For more info visit: https://bit.ly/3lnOPRW
JULY 11 - 27 | STATE FAIR
The 17-day fair is a robust celebration of the State of California, its industries, agriculture and diversity of its people. This year’s California State Fair is all about the blue ribbon and celebrating everything that makes California “The Best!” For more info visit: calexpostatefair.com
JULY 13 - 14 | ART FESTIVAL
Birding enthusiasts, carvers and artists gather for Sacramento’s PFDA Wildfowl Art Festival. The event highlights traditional wildlife artwork with exhibits, fine art, antiques, carvings and contests. For more info visit: pacificflyway.org
LOCAL EVENTS GUIDE SACRAMENTO
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.
AUGUST
AUG 23 | RIB CHILLI COOK OFF
This one-day family fun event will kick off at downtown Rio Vista. We expect this year’s festival to, once again, be even more fun than the year before. Ribs grill all day over outdoor heat and are judged by a panel of experts, and much, much more! For more info visit: hogaugustbites.com
SEPTEMBER
SEPT 13 | ALOHA FESTIVAL
Aloha! The Sacramento Aloha Festival brings the paradise of the Pacific Islands to California’s state capital at this all day luau. Cultural exhibits, native Hawaiian cuisine and beverages, educational workshops, Pacific Island inspired music and community speakers all add to the rich texture of the day’s proceedings. Lei’s optional. Mahalo. For more info visit: sacalohafest.org
SEPT 13 | BREWERS FESTIVAL
The California Brewers Festival connects the makers and distributors of quality brews with their appreciative and thirsty fans. Food trucks come to the festival to pair delicious meals and snacks with fine craft beers, ciders and wines. Entertainment includes varied live musical performances for a lively and fun atmosphere. Proceeds from the festival benefit local non-profits and charitable organizations. For more info visit: calbrewfest.com
OCTOBER
OCT 10 | OKTOBERFEST
Every year, revelers come to the Turn Verein to eat, drink, and dance like a tried-and-true German. It’s like a piece of Munich, right in Sacramento! For more info visit: https://tinyurl.com/f4kmvh57
LOCAL EVENTS GUIDE SACRAMENTO
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.
NOVEMBER
NOV 15 - 17
| HARVEST FESTIVAL
The Harvest Festival Original Art & Craft Show is known as one of the West Coast’s premier shows. See the nation’s most talented artisans & shop thousands of American handmade arts & crafts. You will find beautiful wall art, sculptures, glasswork, metalwork, jewelry, clothing, specialty foods, photography, hand-turned wood, ceramics, unique home decor, and much more. For more info visit: https://tinyurl.com/3bvzvp43
NOV 29 - 30
| ART FEST
Here’s the place to find those special gifts of original art for the holiday season. Local artists will stock the MACC top to bottom for your viewing and shopping pleasure. Come on by for an inspiring holiday outing! For more info visit: https://tinyurl.com/372a2fux
DECEMBER
DEC 9 | JINGLE BELL RUN
Join us at the Jingle Bell RunSacramento in December for a great race. The Jingle Bell RunSacramento works hard to deliver you a memorable race experience. We would love to hear from you, so consider writing us a review. For more info visit: https://tinyurl.com/2s3n4rf7
JANUARY
JAN 31 | FILM FESTIVAL
The SHFF screens more films over fewer days than any other horror film festival thus providing a greater chance for exposure for the horror filmmaker. We have a profound dedication to the horror genre. The festival screens all things horror including features, shorts, documentaries, music videos, trailers, and animations. For more info visit: sachorrorfilmfest.com
LOCAL EVENTS GUIDE SACRAMENTO
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.
FEBRUARY
FEB 14 - 15 | WINE & CHOCOLATE
WEEKEND
The annual Lodi Wine & Chocolate Weekend in Lodi, California, is an indulgent celebration of fine chocolates and artisan wines the weekend before Valentine’s Day. The two-day affair features over 40 of the region’s wineries perfectly pairing their varieties with decadent offerings from local chocolatiers. For more info visit: lodiwineandchocolate.com
MARCH
MARCH TBA | BEER FEST
Expect the same high-quality event you’ve come to know and love that includes hours of some of the nation’s best brewers, a great variety of food trucks, and live music. The generosity of brewers, attendees, and partners make this event possible! For more info visit: capitolbeerfest.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!
