Orange County CA 7

ORANGE COUNTY CALIFORNIA | VOL. 7

FENG SHUI

IN COLOR & DESIGN

Feng Shui, which literally means wind and water, is an ancient Chinese practice rooted in the theory of Yin and Yang. It is the ancient Chinese practice of using energy forces to harmonize individuals with their surrounding environment by organizing furniture, art, plants, and other objects within any given space or room to create peace and harmony.

It has been used for centuries to determine building sites such as the Forbidden City in Beijing, which is built on a north-south axis with the main entrance facing south. It was believed to be the most propitious direction according to the feng shui masters. Additionally, the pyramid addition to the Louvre in Paris, Trump Tower in Manhattan, and the Sydney Opera House in Sydney have all been influenced by feng shui principles.

In interior design, feng shui is a tool to help design a room that makes you feel good and enhances health, prosperity, harmony and balance for a joyful life.

Chinese philosophy is all about opposites - masculine and feminine, dark and light, warm and cold. Additionally, there is a focus on the 5 elements which are wood, fire, earth, metal and water. These symbolize qualities such as stability, wisdom, growth and creativity. Decorating with the five elements is meant to bring joy and balance to your life.

According to Better Homes and Gardens, you can feng shui your home with a few simple tips:

Clear your home of clutter and open up the flow of traffic. This will create an atmosphere of calm by creating a welcoming entryway. Adding feng shui plants and positioning furniture in relation to the door will give a feeling of

control and empowerment, creating balance. And don’t forget to use feng shui with your color selections.

The bedroom is the most important room for applying the principles of feng shui since we all spend so much time there. It is important to have the bed face the door but not straight-on. It is preferable to have a wall behind the bed so that you are aware if anyone is entering your space. This is referred to as command position. Use soft and muted pastel colors or earthen tones that you’d find in nature. Plants are not recommended for the bedroom as they are active and produce energy which is not conducive to the calm environment required in the bedroom. However, they are desirable throughout the rest of the home. Some of the best plants include lucky bamboo, orchids, jade, snake or rubber plants.

Although there is no scientific basis for the use of feng shui in design, it is about making your environment a healthy and happy one for your family, so why not give it a try.

NEW TRENDS FOR Weddings

After the thrill of an engagement, all attention moves to the upcoming wedding. It is a happy and exciting time for any couple and one filled with many choices and decisions. It can also be a stressful time if not properly organized. To make it a joyous event, a plan is essential and it starts with making lists of things to accomplish. Technology has made it much easier. There are on-line wedding planning tools for couples to use. Not only do they simplify wedding preparation, they save time and keep everything organized and in one place as opposed to old fashioned methods.

Post-Covid backyard weddings are out and luxury is in. Couples want their venue to be special, whether it is the country club, a spectacular garden, a historic estate, or a clear top tent for dancing under the stars. They want it to reflect who they are and their own personal love story and even their cultural heritage.

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Oftentimes, couples are going for smaller, more intimate affairs. This allows more time to spend with people they care about most. It also helps with the budget and allows for spending on special effects or treats. Decor has shifted from traditional white to brighter, bolder colors. Couples can now more easily express their personalities. Food and flowers are often designed to be environmentally friendly using locally sourced products. Champagne towers add a touch of elegance and they have made a big comeback.

Hanging florals are a new and dramatic trend along with decorative ceremony aisles. Special effects lighting is another new trend. For a really unique look, go for a custom dance floor as the dance floor is often the center of the action at the wedding party. A new special effect is called cold sparks. The best explanation is indoor fireworks which add drama and sparkle to any event. They can be used in a variety of ways. Use them to light up the bride and groom’s entrance to the party, for first dances, or for the couple’s departure.

It is all about creating a memorable experience unlike any other. If you don’t have a lot of time to plan and implement all that is required for your wedding, consider hiring a wedding planner or pick a venue that coordinates the details for you. Country Clubs and Hotels are good at that as they often have excellent party planners on staff. Although a private wedding planner will add to the expense, they make sure the entire process runs smoothly from design issues, overseeing the budget, sending invitations, tracking RSVPs, managing vendors, and coordinating the schedule of the wedding. At a minimum, be sure to have someone in charge on the day of the wedding for any last minute issues that arise.

2024 PGA TOURNAMENT SCHEDULE

DATES TOURNAMENT

APRIL 29 - MAY 5

MAY 6 - 12

MAY 6 - 12

MAY 13 - 19

MAY 20 - 26

MAY 27 - JUNE 2

JUNE 3 - 9

JUNE 10 - 16

JUNE 17 - 23

JUNE 24 - 30

JULY 1 - 7

JULY 8 - 14

JULY 8 - 14

JULY 15 - 21

AT&T Byron Nelsons TPC Craig Ranch, McKinney, Texas

Wells Fargo Championship + Quail Hollow Club, Charlotte, North Carolina

Myrtle Beach Classic

+ Signature Event

* Schedule subject to change

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

Dunes Golf & Beach Club, Myrtle Beach, South Carolina GOLF

PGA Championship #

Valhalla Golf Club, Louisville, Kentucky

Charles Schwab Challenge

Colonial Country Club, Fort Worth, Texas

RBC Canadian Open

Hamilton Golf & Country Club, Hamilton, Ontario, Canada

The Memorial Tournament presented by Workday + Muirfield Village Golf Club, Dublin, Ohio

U.S. Open #

Pinehurst Resort & Country Club (Course No. 2), Village of Pinehurst, North Carolina

Travelers Championship + Highlands, Cromwell, Connecticut

Rocket Mortgage Classic Detroit Golf Club, Detroit, Michigan

John Deere Classic TPC Deere Run, Silvis, Illinois

Genesis Scottish Open ^ The Renaissance Club, North Berwick, Scotland

CBS, ESPN+

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

NBC, USA NETWORK, PEACOCK

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

TBA Event TBA, TBA GOLF

Barracuda Championship

Tahoe Mountain Club (Old Greenwood), Truckee, California GOLF

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

2024 PGA TOURNAMENT SCHEDULE

DATES TOURNAMENT

JULY 22 - 28 3M Open TPC Twin Cities, Blaine, Minnesota

JUNE 29 - AUG 4

AUG 5 - 11

* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

CBS, GOLF, ESPN+, SXM

Olympic Men’s Golf Competition # Le Golf National, Paris, France GOLF

Wyndham Championship Sedgefield Country Club, Greensboro, North Carolina

DATES TOURNAMENT

AUG 12 - 18

AUG 19 - 25

AUG 26 - SEP 1

CBS, GOLF, ESPN+, SXM

EDEX CUP PLAYOFFS

FedEx St. Jude Championship TPC Southwind, Memphis, Tennessee

BMW Championship Castle Pines Golf Club, Castle Rock, Colorado

TOUR Championship East Lake Golf Club, Atlanta, Georgia

NBC, GOLF, ESPN+, SXM

NBC, GOLF, ESPN+, SXM

NBC, GOLF, ESPN+, SXM

2024 LPGA TOURNAMENT SCHEDULE

2024 LPGA TOURNAMENT

LOCAL EVENTS GUIDE

ORANGE COUNTY

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 18 | TUSTIN LOBSTERFEST

The annualTustin Lobsterfest is taking place this weekend — so if you’ve got an open calendar, treat yourself to this outdoor indulgence jubilee. Featuring live music entertainment ’50s, ’60s and ’70s cover bands. Lobsterfest serves up unlimited whole lobster with pools of melted golden butter on the side! For more info visit: tustinlobsterfest.com

MAY 24 - 27 | STRAWBERRY FEST

The Garden Grove Strawberry Festival started as a way to bring together the east and west sides of Garden Grove. Garden Grove celebrates with an annual festival including a huge carnival with games and rides, a parade, arts and crafts, and lots of entertainment! For more info visit: strawberryfestival.org

JUNE

JUNE 1 - 2 | BEACH CONCOURS

The Huntington Beach Concours is a fun event where car lovers and enthusiasts can come to enjoy themselves, while knowing that they are also helping a worthy cause, The Huntington Beach Library Children’s Resource Center. It is rated # 1 in California, please help us keep it that way by attending this year’s event. For more info visit: hbconcours.org

JUNE 2 | CHILI COOK OFF

The Tustin Street Fair & Chili Cook Off is held every year in Old Town Tustin. The World’s largest single-day chili cook-off features carnival rides and games, a salsa competition, a family plaza, family friendly contests, beer and wine booths, food booths, craft and vendor booths, entertainment, and music.The Street Fair and Chili Cook off is an exciting community event for the whole family! For more info visit: https://bit.ly/37mIh0c

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LOCAL EVENTS GUIDE

ORANGE COUNTY

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 18)

JUNE 28 - 29 | WINE FESTIVAL

Guests are invited to sip on fine wines and taste a variety of delicacies at the beautiful Laguna Cliffs Marriott Resort & Spa. This is an elegant event for true fine wine lovers, located in one of Orange County’s most beautiful coastal cities! For more info visit: californiawinefestival.com

JULY

JULY 3 - 30 | FESTIVAL OF ARTS

As one of the nation’s oldest and most highly acclaimed juried fine art shows, the Laguna Beach Festival of Arts has offered a breathtaking showcase for artists and art lovers for 90 years. For more info visit: https://tinyurl.com/554zcwex

JULY 9 | GERMAN HERITAGE DAY

German Heritage Day is a celebration honoring the first Germans who immigrated to the United States in the 1600s. This is a family-friendly event open to everyone – guests can dress casually or don

traditional dirndls and lederhosen. For more info visit: https://tinyurl.com/y6fmxjnm

July 19 - 20 | WINE FESTIVAL

This romantic evening of rare wine tasting begins with a champagne reception under the stars at Santa Barbara’s charming old-world Carousel House. Extremely limited reserve level wines are matched with gourmet appetizers from top local chefs, artisan cheeses, fresh fruits, olive oils and more while live music keeps things super cool. For more info visit: https://tinyurl.com/2s3rnbm3

AUGUST

AUG 1 - 18 | COUNTY FAIR

OC Fair & Event Center in Costa Mesa, CA, hosts events, activities, festivals, family fun, music and entertainment of all kinds. With 157,000 square feet of venue space, the fairgrounds is ideal for meetings, parties, corporate events, cultural festivals, trade shows, fundraising runs and con-

LOCAL EVENTS GUIDE ORANGE COUNTY

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.

certs. For more info visit: ocfair.com

AUG 30 | STREET FAIR

In 1973, The City of Orange was looking for ideas to celebrate its one hundredth year. Inspired by the Orange Street Fair of 1910 it was decided that for their centennial celebration, Orange would have the Orange International Street Fair. The Fair was so successful that it has become an annual tradition. The Fair is located near Plaza Park in the historic downtown district. For more info visit: orangestreetfair.org

SEPTEMBER

SEPT 6 - 8 | LOBSTER FESTIVAL

The Long Beach Original Lobster Festival returns providing Fresh Live Maine Lobster, prepared to mouth-watering perfection in the World’s Largest Cooker. You can dance away the calories to a variety of popular artists throughout the day on the dance floor, enjoy tasty eats in the food court, check

out the Arts & Crafts booths, sip on adult beverages, and sing a tune at the Karaoke Lounge. There is something for everyone! For more info visit: originallobsterfestival.com

OCTOBER

OCT 1 - 6 | SUGAR PLUM

Sugar Plum welcomes in each season featuring the best in seasonal gifts, and decorations. An inspiration to decorative and gift-giving needs….we pride ourselves in offering the best in handcrafted items, and unique treasures in antiques and collectibles. We are one of the largest family-owned craft shows featuring the talents and imagination of over 175 artists, crafters, bakers, and candymakers. Please be our guest! For more info visit: sugarplumfestivals.com

OCT 17 - 24 | FILM FESTIVAL

As the West Coast’s fastest-growing film festival, NBFF offers films from 50 countries across multiple

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

genres. We carefully curated a collection of short film programs. So grab your popcorn and enjoy the show! For more info visit: newportbeachfilmfest.com

NOVEMBER

NOV 7 - 8 | SUGAR PLUM

We are one of the largest family-owned craft shows featuring the talents and imagination of over 175 artists, crafters, bakers, and candymakers. Please be our guest! For more info visit: sugarplumfestivals.com

NOV 8 - 9 | WINE FESTIVAL

Wine lovers will hit the sunsplashed beachside location for a day of sun, wine, food and music. Hundreds of premium California wines are served up along with the best of the regional craft brews and a dizzying variety of foods to sample. Artisanal cheeses, breads, olive oil, as well as shellfish, salads, chocolates, cakes, and more! For more info visit: https://bit.ly/3LYHNhU

DECEMBER

DEC 1 - 31 | WINTER FEST

Celebrate the holiday season at Winter Fest with all the family. Glide around the ice rink, enjoy beautiful views from the Giant Wheel and warm up with coffee drinks including blended favorites and the popular WinterFest hot chocolate. Winter Fest provides the ideal location for a fun and exciting day out that everyone will enjoy! For more info visit: winterfestoc.com

DEC 1 - 22 | WINTER FANTASY

Winter Fantasy is a one-of-a-kind holiday art festival that offers a festive, unique shopping experience in an enchanting winter wonderland with thousands of lights and decorations, handcrafted gifts by 165 artists, three stages of live music, community performances, carolers, puppeteers, art classes, and daily visits with Santa Claus. For more info visit: https://tinyurl.com/yayry36s

LOCAL EVENTS GUIDE ORANGE COUNTY

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.

JANUARY

JAN TBA | MANATEE FESTIVAL

Food, fun, and crafts all for a good cause! The Manatee Festival uses the funds raised through its annual festival to benefit friends of Blue Spring State Park, Dare Programs and other area organizations. So have a weekend full of fun for the whole family while supporting your community. For more info visit: themanateefestival.com

JAN 31 | TET FESTIVAL

The Tet Festival of Southern California is recognized as the world’s largest Tet Festival outside of Vietnam. Helping preserve culture, visitors are immersed with a vibrant array of traditional foods, live entertainment, festive games, and customs celebrating the new year. For more info visit: sdtet.com

FEBRUARY

FEB 10 - 16 | MUSIC FESTIVAL

MARCH

MARCH TBA | RENAISSANCE FAIR

The Faire takes place in one of the most picturesque villages of California turning it into a real town of the Renaissance era. There are various performances and parades, knight tournaments, Celtic dances and folk music. There is also the participation of circus performers who demonstrate an exciting show of lights, throwing knives, and comedy shows. For more info visit: renfair.com

The Laguna Beach Music Festival is a multi-day series of classical and contemporary concerts, community engagement programs, and dynamic special events. For more info visit: https://tinyurl.com/bd2r4uyf

2025 GRAND SLAM TOURNAMENT SCHEDULE

2024 GRAND SLAM TOURNAMENT SCHEDULE

MAY 26 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - TUE

- WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 31 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single

JUN 01 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single

JUN 01 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single

JUN 02 - SUN 12:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 02 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 03 - MON 12:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 03 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 04 - TUE 12:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 04 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 05 - WED 12:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 05 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 06 - THU 12:00 PM 1/2 Finals Singles Ladies’

JUN 07 - FRI 12:00 PM 1/2 Final Gentlemen’s Single

JUN 07 - FRI 3:30 PM 1/2 Final Gentlemen’s Single

JUN 08 - SAT 3:00 PM Final Women’s Single

JUN 09 - SUN 3:00 PM Final Gentlemen’s Single * Schedule subject to change

DATE

2024 GRAND SLAM TOURNAMENT SCHEDULE

JULY 1 - MON 11:00 AM Men's & Ladies' 1nd Round

JULY 2 - TUE 11:00 AM Men's & Ladies' 1nd Round

JULY 3 - WED 11:00 AM Men's & Ladies' 2nd Round

JULY 4 - THUR 11:00 AM Men's & Ladies' 2nd Round

JULY 5 - FRI 11:00 AM Men's & Ladies' 3rd Round

JULY 6 - SAT 11:00 AM Men's & Ladies' 3rd Round

JULY 7 - SUN 11:00 AM Men's & Ladies' 4th Round

JULY 8 - MON 11:00 AM Men's & Ladies' 4th Round

JULY 9 - TUE 11:00 AM

JULY 1- WED 11:00 AM

JULY 11 - 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 12 - FRI 1:00 PM Men's Singles Semifinals

JULY 13 - SAT 2:00 PM

JULY 14 - SUN 2:00 PM

Ladies' Singles Final & Men's Doubles Final

Men's Singles Final & Ladies’ Doubles Final * Schedule subject to change

2024 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.

WHAT ARE ANNUITIES?

An annuity is an investment vehicle that can provide a guaranteed income for an individual or their spouse. It is a contract with an insurance company or financial institution where you contribute money upfront and at a specific time receive payments back over the course of your lifetime. There are several advantages to investing in an annuity. First, it is tax deferred which means no taxes until you begin taking the income. Second, you can choose a fixed rate annuity where you will always receive the

same amount regardless of market conditions. Third, you will receive payment even if you receive more than your original investment. Fourth, there are annuities with death benefits for heirs.

There are many different types of annuities, all of which have different features, benefits and costs but they fall into three main categories: fixed, fixed index and variable. There are two types of payout options- deferred and immediate.

FIXED ANNUITY

A fixed annuity is based on a set interest rate and can increase in value over time. It guarantees income payments over your lifetime with the possibility of death benefits for heirs. There are two ways to purchase - either through a lump sum payment or a series of payments that increase the value of your annuity and therefore the total payout.

VARIABLE ANNUITY

A variable annuity’s value will depend on market conditions and will rise and fall with the stock market. This means the possibility of a higher interest rate when the market is strong but in a weak market, the annuity could even lose value.

INDEXED ANNUITY

An indexed annuity is based on the performance of a particular market index and the value of the annuity will be based on that particular index. Interest will be based on the index’s interest rate.

WHY BUY AN ANNUITY?

It is a good opportunity to be sure you have the resources to cover your essential monthly expenses such as mortgage or rent, insurance, utilities , travel, etc. The best thing about an annuity is that it does not run out no matter your age or the value of the investment. Start by analyzing your monthly expenses to figure out how much

income you need to cover basic bills. Don’t forget to consider and plan for inflation. When considering an annuity, the most important thing is to be sure to understand what you are investing in. They are complicated investments. Work with a trusted financial adviser to ensure your understanding of the risks and potential returns.

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