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.
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
PENDRITH $1,710,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAR 6 - 9
MAR 6 - 9
MAR 13 - 16
MAR 20 - 23
Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA
Puerto Rico Open Grand Reserve Golf Club • Rio Grande • PUR
THE PLAYERS Championship
TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA
Valspar Championship
Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA
MAR 27 - 30 Texas Children’s Houston Open
Memorial Park Golf Course • Houston, TX • USA
GARNETT $720,000
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
APR 24 - 27
MAY 1 - 4
JAEGER $1,638,000
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA AKSHAY BHATIA $1,656,000
Masters Tournament
Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA SCOTTIE SCHEFFLER $3,600,000
Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM BILLY HORSCHEL $720,000
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
THE CJ CUP Byron Nelson
TPC Craig Ranch •McKinney, TX • USA
MCILROY, SHANE LOWRY $1,286,050
2025 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAY 8 - 11
MAY 8 - 11
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
Myrtle Beach Classic
Dunes Golf and Beach Club • Myrtle Beach, SC • USA
MAY 15 - 18 PGA Championship Quail Hollow Club • Charlotte, NC • USA
MAY 22 - 25 Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA
MAY 29 - JUN 1
JUN 5 - 8
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
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
JUN 26 - 29
JUL 3 - 6
Travelers Championship + TPC River Highlands • Cromwell, CT • USA
Rocket Mortgage Classic Detroit Golf Club • Detroit, MI • USA
John Deere Classic TPC Deere Run • Silvis, IL • USA
JUL 10 - 13 Genesis Scottish Open The Renaissance Club • North Berwick • SCO
DECHAMBEAU $4,300,000
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA TOURNAMENT
LOCAL EVENTS GUIDE
SOUTH CENTRAL PENNSYLVANIA
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 7 - 16 | HOME & GARDEN SHOW
Farm to Table Buy Local brings farms and food & beverage producers to the Pittsburgh Home and Garden Show! See our Buy fresh buy local stage to hear from local farms and gardeners who will provide tips and tricks on how to grow & prepare healthy fresh foods. For more info visit: pghhome.com
MARCH
15
| ST. PATRICK’S DAY
Whether you’re Irish or not, you’ll want to join the fun in Downtown Pittsburgh. Get ready to pull out your green and celebrate Ireland’s patron saint at one of the largest St. Patrick’s Day Parades in the US. For more info visit: pittsburghstpatricksdayparade.com
APRIL
APRIL 6 - 12 | RESTAURANT WEEK
Dine Latino Restaurant Week is a one-of-a-kind culinary celebration
that honors local Latino-owned restaurants by showcasing their authentic flavors and time-honored traditions. For more info visit: https://tinyurl.com/y5r9d4bu
APRIL 20 - 29 | FRINGE
FEST
This free, 22-hour long festival fills a gigantic warehouse location with art and performances from new and emerging artists. This inclusive and family-friendly event features live painting, interactive exhibits, films and 500+ participants. For more info visit: pittsburghfringe.org
MAY
MAY 16 - 17 | MUSIC FESTIVAL
There will be over 300 local bands and musicians, visual artists, comedians, spoken word performances, and food trucks at the festival. For more info visit: millvalemusic.org
LOCAL EVENTS GUIDE
SOUTH CENTRAL PENNSYLVANIA
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 17 - 18 | FIBER FESTIVAL
The Central Pennsylvania Fiber Festival is a non-profit organization that focuses on natural fibers and fiber arts such as spinning, weaving, felting, knitting and dyeing. An annual indoor festival with product displays, vendors, demonstrations and a fleece sale is held each May at the Lycoming County Fairgrounds. For more info visit: centralpennfiberfest.com
MAY 23 - 25 | FOOD TRUCK FEST
Get ready to taste the best food on four wheels! Dozens of the region’s best food trucks will be in attendance, plus live music and entertainment, craft beer and wine, regional artisans and vendors, and lots more. For more info visit: pghfoodtruckfest.com
JUNE
JUNE 5 - 8 | ARTS FESTIVAL
One of the biggest festivals in Pittsburgh every year is the Three Rivers Arts Festival. This massive event runs for roughly 10 days
and features artists from all over southwest Pennsylvania and the country at large plus musical acts, unique art exhibits, and a whole lot more. For more info visit: traf.trustarts.org
JULY
JULY 4 | INDEPENDENCE DAY
The Union County Veterans’ 4th of July Committee produces a gala 4th of July celebration each year. The highlights of the celebration include a spectacular fireworks show on Friday evening and a patriotic themed parade on Saturday morning. The event also includes a big band concert, a monument ceremony, a picnic and more. For more info visit: ucveterans4thofjuly.org
JULY 11 - 13 | PICKLESBURGH
Picklesburgh is a dill-icious weekend in Downtown Pittsburgh dedicated to the humble Pickle. Headlined by a giant flying Heinz pickle balloon, the Picklesburgh festival is a true culinary cele-
LOCAL EVENTS GUIDE
SOUTH CENTRAL PENNSYLVANIA
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.
bration. Why pickles? Well, you may be surprised to know that Pittsburgh has a wonderful pickle history and enjoys celebrating the current pickle nostalgia! For more info visit: picklesburgh.com
AUGUST
AUG 15 - 23 | THE GRANGE FAIR
The Grange Fair is the nation’s most unique county fair with 1,000 tents, 1,500 RV’s, 300 concessions, amusement rides, over 8,000 exhibit items, livestock, tractor pulls, equine center, free grandstand featuring nationally-known entertainers and much more. Be a part of the excitement and stay to join again in the fun tomorrow by taking advantage of their camping accommodations. The site can also be rented for special events. For more info visit: grangefair.com
AUG 23 - 30 | RENAISSANCE FEST
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 legs, steak on a stake, fresh baked goods and much more. Featuring a cast of hundreds of authentically costumed merrymakers living and working throughout the village and performing, continuously, upon the Festival’s stages, the illusion of a rollicking 16th Century festival day is created. For more info visit: pittsburghrenfest.com
SEPTEMBER
SEPT 5 - 7 | IRISH FESTIVAL
Learn about the ethnic richness of the Irish and Irish-American culture at this three day festival. The Pittsburgh Irish Festival celebrates the Irish experience in America. Our “Halfway to St. Patrick’s Day Festival” has become a springboard for a new cultural awakening of all things Celtic in Western Pennsylvania, the beauty of Irish dance, music, and literature bridges many borders. For more info visit: pghirishfest.org
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LOCAL EVENTS GUIDE
SOUTH CENTRAL PENNSYLVANIA
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 20)
SEPT 7 - 13 | BEAN SOUP FEST
McClure Bean Soup Festival & Fair is held every September. The event features open show exhibits, various contests, a pageant program, rides and food. The fair derives its name from the bean soup that is made in kettles over open fire. McClure Bean Soup Festival offers free admission and free entertainment; the parking fee supports local organizations. For more info visit: https://tinyurl.com/2z4xnwnh
SEPT 18 - 21 | JAZZ FESTIVAL
Don’t miss this soulful weekend with more than 140 jazz musicians.The event will continue the legacy of past festivals and feature legendary jazz musicians from around the world! For more info visit: pittsburghjazzfest.org
OCTOBER
OCT 4 - 12 | FOLIAGE FEST
Bedford’s Fall Foliage has continually brought people together over crafts, art, music, and fellowship.
Centered in the historic downtown, the Bedford Fall Foliage Festival brings the best local arts, crafts, and culture together in the crisp mountains of central Pennsylvania. For more info visit: bedfordfallfoliagefestival.com
OCT 4 - 12 | APPLE FESTIVAL
The Festival has something for everyone with special attractions ranging from steam engine displays, live music, antique cars, orchard tours, pony rides, tastings, craftsman demonstrations … and so much more! For more info visit: appleharvest.com
NOVEMBER
NOV 21 - 23 | CHRISTMAS STORY
Ralphie Parker’s one Christmas wish is pretty simple - he wants an air gun. And he’s going to make sure he gets it! A Christmas Story is based on the beloved 1983 movie, which has become a perennial holiday classic. Adapted faithfully for the stage by Joseph Robinette, the funny and witty songs are pro-
LOCAL EVENTS GUIDE
SOUTH CENTRAL PENNSYLVANIA
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.
vided by the songwriting duo of Benj Pasek and Justin Paul. Sure to appeal to all the family, this musical is a whimsical, nostalgic portrait of 1940s America and a stone-cold holiday classic. Why watch it on TV when you can see it live? For more info visit: https://tinyurl.com/mr3kzf75
DECEMBER
DEC 1 - 31 | HOLIDAY LIGHTS
Enjoy the most wonderful time of the year at Kennywood, when the entire amusement park is transformed into a winter wonderland of dazzling lights. The best place to visit during the holidays in Pittsburgh is Kennywood, without a doubt! For more info visit: kennywood.com
JANUARY
JAN 10 - 11 |
HOME SHOW
At the Home Show, our goal is simple: to inspire, motivate and excite you for your upcoming home improvement - whether it’s a minor renovation or a major re-
model. Our events feature a wide selection of home improvement professionals in a fun, interactive environment. More importantly, we want you to be excited for all the fantastic possibilities that come with your project! For more info visit: lancasterhomeshow.com
FEBRUARY
Feb 20 - 22 | Home Show
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: phillyhomeshow.com
2025 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
HEALTH & FOOD
Eating healthy and having a holistic approach to wellness focuses on mind, body and soul. Foods that enhance energy, heart health, improve sleep and increase muscle strength are growing in popularity. High protein, low calorie, and low carbohydrate meals are the way to go. The movement towards plant-based items for health and environmental reasons is here to stay.
Sugar intake is a concern for many.
A popular sugar alternative is dates which are very sweet and have been used for thousands of years. They are high in nutrients, antioxidants and fiber. Some say they are good for brain health as well as digestion. Eaten whole or used in baked treats, they provide all the sweetness needed.
To lose weight or simply to eat a little bit healthier, there are several different approaches you can take.
The Whole Food Diet is probably the most recommended diet. It is about avoiding or limiting processed foods, preservatives or artificial ingredients while sticking to lots of fresh fruits and vegetables, whole grains, nuts, beans, fish, shellfish and eggs. Limiting meat is a part of this diet as well. Not only is this diet healthy for you, but it is healthy for the planet as processed foods require more resources such as water and energy, thus creating more pollution.
The PALEO Diet is based on foods eaten in the Paleolithic period of hunter gatherer societies thousands of years ago, before farming.
The KETO Diet is a low carbohydrate, high fat diet that helps burn fat for energy rather than carbs, thus triggering weight loss. According to Healthline, the foods to eat on this diet are: meat, fatty fish,eggs, butter and cream, cheese, nuts and seeds, olive or avocado oil, avocados, and low carb vegetables and condiments.
The Vegetarian Diet is made up of plant-based foods which include fruits and vegetables, grains, legumes and nuts. No meat or dairy products including eggs and other milk products are consumed. There is a trend to eat more fruits and vegetables and new products are continually coming to the market. Non-dairy milk alternatives like oat, soy and almond are popular replacements for milk. New plantbased pasta alternatives like chickpea or zucchini pasta help us eat more vegetables and additional options are continually being introduced.
